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Private Car Third Party Insurance Online
Mandatory third party protection for your car.
Compare available quotes and complete the journey digitally.
Multi-insurer options
100% digital journey
Direct payment to insurer
Quickinsure support
Get your Private Car TP quote
Select your vehicle type and enter registration number
Quick answer
Private car third party insurance is the mandatory motor cover for every car in India. The IRDAI-fixed annual premium is ₹2,094 for cars up to 1000cc, ₹3,416 for 1001cc to 1500cc and ₹7,897 above 1500cc, plus 18% GST, and it is identical at every insurer. Buy it online through TP-Sugam in a few minutes.
IRDAI third-party rates have been revised. Motor third-party premiums were last revised on 1 June 2022. Revised rates take effect from 1 September 2026. Check the current slab for your vehicle →
What does Car Third Party Insurance cover?
Third party bodily injury
Legal liability for injury caused to a third party.
Third party death liability
Legal liability for death of a third party.
Third party property damage
Legal liability for damage to third-party property.
Statutory liability
Coverage as per applicable law, vehicle class and policy terms.
Car categories you can insure
Hatchback & Sedan
Cars up to 1500cc, the most common slabs.
Compact SUV
Popular compact SUVs and crossovers.
Premium & Luxury
Cars above 1500cc engine capacity.
Electric Cars
EVs with a 15% discount on the TP premium.
How TP-Sugam works
A simple 5-step journey
1
Enter car number
Start with your registration number and provide required information.
2
Verify details
Confirm your vehicle details such as make, model and engine capacity.
3
Compare quotes
View available third party insurance quotes from multiple insurers.
4
Select insurer & pay
Choose your preferred option and pay directly to the insurer.
5
Get your policy
After successful payment, the policy is issued by the insurer.
Information you may need
Registration number
Your car RC number.
Vehicle make & model
Manufacturer, model and variant.
Engine capacity
Determines your IRDAI premium slab.
Previous policy
Required when renewing a lapsed policy.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (Private Car)
| Coverage | Third Party | Comprehensive |
|---|---|---|
| Third-party bodily injury | ✓ | ✓ |
| Third-party death liability | ✓ | ✓ |
| Third-party property damage | ✓ | ✓ |
| Damage to your own vehicle | ✕ | ✓ |
| Theft of your vehicle | ✕ | ✓ |
| Fire damage | ✕ | ✓ |
| Natural calamities | ✕ | ✓ |
| Mandatory TP protection | ✓ | Included |
Worth protecting your own vehicle?
Third party insurance does not cover damage to your own vehicle. If your vehicle is new, financed or of high value, comprehensive cover protects both the third party and your own vehicle, and allows add-ons.
Other Asked Questions
Is third party car insurance mandatory in India?
Yes. As per the Motor Vehicles Act, 1988, it is mandatory to have at least a third party car insurance policy to drive on the road. Driving without it can attract a fine of ₹2,000 to ₹4,000 and imprisonment of up to three months.
What is the third party car insurance premium?
The IRDAI-fixed annual premium is ₹2,094 for cars up to 1000cc, ₹3,416 for 1001cc to 1500cc and ₹7,897 above 1500cc, plus 18% GST. It is the same at every insurer, so there is nothing to negotiate.
Does car third party insurance cover damage to my own car?
No. Third party cover pays for injury, death and property damage caused to others. Damage to your own car, its theft, or loss in a fire or natural calamity requires a comprehensive policy.
Why is the third party premium the same at every insurer?
IRDAI fixes the third party tariff by engine capacity and the notified rate applies to every licensed insurer. You cannot receive a discount on the third party portion — the choice you make is which insurer services your policy.
What is the 3-year rule for a new car?
A new private car must be covered by a three-year third party policy. The premium for the full three-year term is collected upfront at the time of purchase.
Have third party car insurance rates changed in 2026?
Motor third party premiums were last revised on 1 June 2022. A revision has been notified with effect from 1 September 2026 following rising claim costs. Always check the current slab for your car before you renew.
Frequently Asked Questions
Is third party car insurance mandatory in India?
Yes. As per the Motor Vehicles Act, 1988, it is mandatory to have at least a third party car insurance policy to drive on the road. Driving without it can attract a fine of ₹2,000 to ₹4,000 and imprisonment of up to three months.
What is the third party car insurance premium?
The IRDAI-fixed annual premium is ₹2,094 for cars up to 1000cc, ₹3,416 for 1001cc to 1500cc and ₹7,897 above 1500cc, plus 18% GST. It is the same at every insurer, so there is nothing to negotiate.
Does car third party insurance cover damage to my own car?
No. Third party cover pays for injury, death and property damage caused to others. Damage to your own car, its theft, or loss in a fire or natural calamity requires a comprehensive policy.
Why is the third party premium the same at every insurer?
IRDAI fixes the third party tariff by engine capacity and the notified rate applies to every licensed insurer. You cannot receive a discount on the third party portion — the choice you make is which insurer services your policy.
What is the 3-year rule for a new car?
A new private car must be covered by a three-year third party policy. The premium for the full three-year term is collected upfront at the time of purchase.
Have third party car insurance rates changed in 2026?
Motor third party premiums were last revised on 1 June 2022. A revision has been notified with effect from 1 September 2026 following rising claim costs. Always check the current slab for your car before you renew.
Can I buy third party car insurance online?
Yes. Select Private Car on TP-Sugam, enter your registration number, compare the available third party quotes and pay the insurer directly. The policy is issued by the insurer and emailed to you.
Is third party car insurance enough for an old car?
For an older car with a low market value, a third party policy usually makes financial sense because it meets the legal requirement at the lowest possible premium. For newer or financed cars, comprehensive cover is recommended.
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