Buy Car Insurance Third Party Online – Instant & Affordable
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- July 21st, 2025
- 69 views
Car insurance is a must-have for every vehicle owner in India. Among all types of car insurance policies available, third-party insurance is the most basic and legally mandatory one. It protects you from financial losses if your vehicle causes injury, death, or property damage to someone else.
In this blog, we’ll walk you through everything you need to know about buy car insurance third party online, why it’s necessary, how it works, and how you can get it instantly at an affordable price.
What is Third-Party Car Insurance?
Third-party car insurance is a type of motor insurance that covers the legal liabilities arising out of injury, death, or property damage caused to a third party. This policy does not cover damage to your own vehicle or any personal injuries.
As per the Motor Vehicles Act, 1988, it is mandatory for every vehicle owner in India to have at least third-party insurance.
Why Choose Third-Party Insurance?Â
Third-party car insurance is one of the most common choices among vehicle owners in India. But why do so many people prefer it? Let’s understand each reason in detail:
1. Legal Requirement
According to the Motor Vehicles Act, 1988, it is mandatory for every car owner in India to have at least third-party insurance. Driving without it is a punishable offence and can lead to fines or legal action. So, whether your car is new or old, this policy is essential to stay on the right side of the law.
2. Affordable Premium
Third-party insurance is much cheaper than comprehensive insurance. Since it only covers damage caused to other people (not your own car), the premium is low. It’s a great option for those who want legal coverage at a minimal cost, especially if their car is old or not in regular use.
3. Covers Third-Party Liabilities
If your car causes an accident or damage to someone else’s property, or injures another person, third-party insurance will cover the cost. This includes compensation for injuries, death, or damage to another vehicle or property. Without insurance, you would have to pay these costs out of your own pocket.
4. Peace of Mind
Accidents can happen anytime, and dealing with their consequences can be stressful. Third-party insurance gives you peace of mind knowing that if something goes wrong, you are financially protected from legal claims made by third parties. It saves you from sudden legal and financial trouble.
Summary
So, choosing third-party car insurance makes sense if you want a simple, cost-effective policy that keeps you legally protected. It may not cover your own car, but it takes care of others if you're at fault - and that's exactly what you need to drive with confidence and responsibility.
Who Should Buy Third-Party Insurance?
While anyone who owns a vehicle must have third-party insurance, it is especially suitable for:
• People who own old cars
• Those who drive less frequently
• People looking for low-cost, legal coverage
• First-time car owners
If your vehicle’s market value is low and you do not want to pay high premiums, third-party insurance is a good choice.
Benefits of Buying Car Insurance Third Party Online
Today, most insurance services are available online, and buying car insurance third party online comes with many advantages:
1. Quick and Easy Process
You can buy or renew your third-party car insurance in just a few minutes. All you need is an internet connection, your vehicle details, and a payment method.
2. Instant Policy Issuance
Once the payment is done, your digital policy is generated instantly. You don’t have to wait for paperwork or physical documents.
3. Affordable Premiums
Buying third-party car insurance online often gives you access to lower premiums due to no middlemen or agent commissions.
4. Secure Transactions
Online platforms are secure and allow multiple payment options like UPI, credit/debit cards, or net banking.
5. No Physical Visits
You can complete the whole process from home. No need to visit a branch office or meet an agent.
Steps to Buy Third-Party Car Insurance Online
Buying 3rd party car insurance online is very simple. Follow these steps:
1. Visit a trusted insurance website (like Square Insurance or others).
2. Enter your car details – registration number, make, model, fuel type, etc.
3. Choose third-party coverage from the available plans.
4. Check the premium using a car insurance calculator India (optional but helpful).
5. Fill in your personal details like name, contact number, and address.
6. Make payment using any online mode.
7. Download your policy – it will be sent to your email instantly.
How Much Does It Cost?
The cost of third-party car insurance is regulated by the IRDAI (Insurance Regulatory and Development Authority of India). It depends mainly on your car's engine capacity (cc).
Here’s a rough idea:
• Cars up to 1000cc: Around ₹2,000/year
• 1000cc to 1500cc: Around ₹3,000/year
• Above 1500cc: Around ₹7,000/year
These are standard rates, but using a car insurance premium calculator can help you get an accurate quote.
What is Covered in Third-Party Insurance?
Third-party insurance provides coverage for:
• Injury or death of a third person in an accident involving your car
• Damage to third-party property
• Legal liability arising from the incident
It does not cover:
• Damage to your own car
• Personal accident cover (unless added separately)
• Natural calamities or theft
Should You Use a Car Insurance Premium Calculator?
Yes, you definitely should! A car insurance premium calculator is a simple online tool designed to help you understand how much your car insurance will cost before you buy it. Let’s break down why it’s useful and how it works.
1. Compare Plans Easily
When you enter your car details into the calculator - like model, fuel type, registration year, and location - it instantly shows you multiple insurance options from different companies. This lets you compare different policies side by side based on premium amount, coverage, and benefits.
2. Choose the Best Price
Instead of blindly accepting the first quote you see, the calculator helps you find the most affordable plan that still meets your needs. You can adjust inputs like policy type or add-ons and see how the premium changes - helping you select the best value for money.
3. Avoid Hidden Charges
Sometimes when buying offline or without research, people end up paying extra fees or hidden costs. The calculator gives a clear and upfront estimate of your premium, so you know exactly what you’re paying for - no surprises later.
4. Make an Informed Decision
By using this tool, you’re not just guessing or relying on an agent’s advice. You're taking control of the decision. It gives you a transparent and personalized quote based on your car, usage, and preferences.
When to Renew Your Policy?
Most third-party policies are valid for one year (or up to three years for new cars). It’s important to renew your policy before it expires to avoid penalties and remain legally covered.
You can set reminders or choose automatic renewal options if available.
Things to Keep in Mind
• Always provide correct vehicle details while buying or renewing your policy.
• Keep a soft copy of your policy on your phone or email.
• In case of an accident, inform the insurance company and file an FIR immediately.
• If your third-party insurance has expired, you may need a vehicle inspection before renewal.
Final Thoughts
Buying car insurance third party online is not just a legal necessity but also a smart and hassle-free choice. With affordable premiums, instant policy issuance, and easy renewals, it offers a basic but essential safety net for car owners in India.
Whether you drive daily or occasionally, third-party insurance ensures that you're on the right side of the law and protected from unexpected liabilities.
So if you haven’t already, now is the right time to buy 3rd party car insurance online and drive with peace of mind.
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