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TPsugam
Tractor Third Party Insurance Online
Simple third party insurance for your tractor.
Compare available options and complete the journey online.
Multi-insurer options
100% digital journey
Direct payment to insurer
Quickinsure support
Get your Tractor TP quote
Select your vehicle type and enter registration number
Quick answer
Tractor third party insurance is the mandatory liability cover for agricultural tractors used on public roads. The premium is fixed by IRDAI on engine capacity, so it is identical at every insurer. Select Tractor on TP-Sugam, enter your registration number and complete the purchase online.
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 Tractor 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.
Tractor use and eligibility
Agricultural Tractors
Tractors registered for agricultural use.
Tractor with Trailer
Tractors drawing an attached trailer.
Commercial Use
Tractors used for hire or reward.
Other Eligible Vehicles
Other eligible agricultural vehicles.
How TP-Sugam works
A simple 5-step journey
1
Enter vehicle 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 tractor RC number.
Vehicle class
Agricultural tractor or tractor with trailer.
Engine capacity
Determines your IRDAI premium slab.
Previous policy details
Required when renewing.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (Tractor)
| 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
Why is tractor third party insurance important?
Because a tractor used on a public road must carry third party cover by law. It protects you from legal liability if the tractor causes injury, death or property damage to another person.
Is third party insurance mandatory for a tractor?
Yes, if the tractor is used on a public road. Under the Motor Vehicles Act, 1988, at least a third party policy is required. Driving or operating without it can attract penalties.
Does tractor insurance cover damage to the tractor?
Third party insurance does not cover damage to your own tractor. A comprehensive policy is needed to protect the tractor itself against accident, fire, theft or natural calamity.
How is tractor third party premium calculated?
The premium is fixed by IRDAI based on the vehicle class and engine capacity, and it is the same at every insurer. The exact slab is shown when you enter your tractor details.
Can I buy tractor insurance online?
Yes. Select Tractor on TP-Sugam, enter your registration number, compare the available options and pay the insurer directly. The policy is issued and emailed to you.
Does the trailer need separate insurance?
An attached trailer is generally rated along with the drawing tractor, but the premium and the documents required depend on how the tractor is registered and used. Declare the trailer at the time of purchase.
Frequently Asked Questions
Why is tractor third party insurance important?
Because a tractor used on a public road must carry third party cover by law. It protects you from legal liability if the tractor causes injury, death or property damage to another person.
Is third party insurance mandatory for a tractor?
Yes, if the tractor is used on a public road. Under the Motor Vehicles Act, 1988, at least a third party policy is required. Driving or operating without it can attract penalties.
Does tractor insurance cover damage to the tractor?
Third party insurance does not cover damage to your own tractor. A comprehensive policy is needed to protect the tractor itself against accident, fire, theft or natural calamity.
How is tractor third party premium calculated?
The premium is fixed by IRDAI based on the vehicle class and engine capacity, and it is the same at every insurer. The exact slab is shown when you enter your tractor details.
Can I buy tractor insurance online?
Yes. Select Tractor on TP-Sugam, enter your registration number, compare the available options and pay the insurer directly. The policy is issued and emailed to you.
Does the trailer need separate insurance?
An attached trailer is generally rated along with the drawing tractor, but the premium and the documents required depend on how the tractor is registered and used. Declare the trailer at the time of purchase.
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