Third Party Insurance Online in Hyderabad, IndiaBuy or Renew Your Policy Online in Just 2 Minutes
Third-party insurance is a type of motor insurance that is required by law in India under the Motor Vehicle Act. This basic insurance plan helps cover any damage or injury caused by your vehicle to someone else’s vehicle, property, or body. It is often called “act-only” insurance and is a must-have for all vehicle owners.
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Here’s a list of the top features of a Third Party Car Insurance Policy.
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Third-party insurance is budget-friendly. Compared to a comprehensive policy, it comes at a much lower cost while still offering essential coverage as per law.
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If your vehicle accidentally causes injury to someone or damages another person’s property or vehicle, this policy takes care of those expenses. It covers: Injury or death of a third party Damage to third-party property
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The law requires every vehicle owner to have a Personal Accident (PA) Cover. This offers coverage of up to ₹15 lakhs for the owner-driver in case of permanent disability or death due to a road accident while driving.
You should purchase a Third Party Car Insurance Policy for your vehicle as it is mandatory under the Motor Vehicles Act, 1988. Driving without a third-party liability policy is illegal and can lead to penalties. This insurance protects you from legal and financial liabilities arising from damage to third-party property or injury/death of a third party. Hence, having third party car insurance is essential.
If your car accidentally injures someone, like a pedestrian or another road user, this policy helps cover the medical expenses or legal liabilities involved.
In unfortunate cases where an accident leads to the death of a third party, the insurance policy provides compensation to the victim’s family as per the applicable legal guidelines.
If your vehicle damages someone else's property, like crashing into a shop or boundary wall, this insurance helps cover the repair or replacement costs.
Accidents involving other vehicles, such as a collision with a bike or car, are also covered. The insurance supports repairs or compensation for the damage caused.
Many people search for the cheapest third-party car insurance, but here’s the truth: The premium for third-party insurance is fixed by the IRDAI (Insurance Regulatory and Development Authority of India). This means:All insurance companies must follow the same rates - There’s no price difference between insurers - You can’t get it cheaper from one company over another The rates may change every year as per IRDAI guidelines, but they remain uniform across all providers.
Third-party insurance rates are decided by the industry regulator (IRDAI) based on the Cubic Capacity (cc) of the car’s engine. Hence, the vehicle’s engine capacity is the only factor that affects the third-party premium rates.
The policy covers legal and financial liabilities in case of injury, death, or property damage caused to a third party.
Having a valid third-party insurance policy keeps you compliant with traffic laws and helps you avoid fines or legal action.
Third-party insurance is more affordable compared to comprehensive plans, making it a cost-effective choice for basic protection.
It’s easy to buy and renew a third-party insurance policy online without any complex procedures.
Share your car registration number and basic info like model, fuel type, and variant.
We show you multiple third-party insurance options from trusted insurers – all in one place.
Pick the plan that suits your needs. No hidden conditions, just clear coverage info.
Complete payment online and get your policy instantly in your email.
While third-party insurance protects you from legal and financial liabilities towards others, it has a few limitations compared to a comprehensive policy. Here are the main drawbacks:
With our comprehensive plan, you are protected against a wide range of unfortunate incidents.
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Buying Third-party Car Insurance from BimaStreet is simple and quick. Just enter your car details, choose a plan, and make the payment online.
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You can visit BimaStreet’s website anytime to buy or renew your policy as per your convenience.
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No need to submit any physical documents. The entire process is 100% digital and paperless.
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Once you complete the payment, your insurance policy is shared instantly on your email.
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BimaStreet offers policies from well-known and reliable insurance providers.
A comprehensive policy offers wider protection, covering both your car and third-party liabilities. Third-party insurance only covers damage to others.
For most vehicles, the policy is valid for one year. For new cars, a 3-year third-party insurance is mandatory by law.
Yes, it is completely legal and required. It protects you from third-party liability but does not cover your own car.
It provides coverage for third-party injury, death, or property damage and ensures you're legally compliant.
The premium is based on the engine capacity (cc) and is fixed by IRDAI — the same across all insurers.
It’s required under the Motor Vehicles Act, 1988 to ensure compensation in case of third-party damages.
Yes, all car owners must have third-party insurance regardless of their driving record.
You can face legal penalties including fines and imprisonment. Also, you cannot claim for any third-party damage.
Yes, a comprehensive policy gives better protection, including your own car, theft, fire, and natural disasters.
No, third-party plans don’t allow add-ons. You can get add-ons only with a comprehensive policy.
The premium depends on engine capacity, which varies by model — not the model name directly.
You can buy it at a showroom, through an agent, or online from trusted platforms like BimaStreet.
No, it only covers third-party liabilities. For full protection, choose a comprehensive policy.
Anyone with a registered car is eligible to purchase a third-party insurance policy.
Compare based on claim service, customer support, and digital experience. BimaStreet ensures a smooth and quick online process.
Yes, you can. You can also switch and renew your policy online easily through BimaStreet.
Follow these simple steps to buy or renew your third-party bike insurance online with Bimastreet:
The process for claiming third-party bike insurance is simple and follows standard procedures similar to other motor insurance claims. Here’s how you can raise a claim, whether you are the victim or the one who caused the damage.
Before filing a claim, collect all necessary evidence of the incident, such as photographs, videos, or witness details. This helps prevent claim rejection due to lack of proof.
File an FIR (First Information Report) at the nearest police station immediately after the incident and inform your insurance provider. Early reporting ensures a smooth and faster claim process.
The Motor Accident Claims Tribunal (MACT) determines the compensation amount for third-party claims. Currently, the maximum compensation limit is ₹7.5 lakhs. Keep this in mind while raising your claim.
Yes, it’s affordable and fulfills the legal requirement under the Motor Vehicles Act.
Yes, having a valid third-party insurance policy is sufficient to avoid fines.
It offers legal and financial coverage for third-party damages or injuries caused by your vehicle.
Yes, you can claim for third-party liabilities, but not for damages to your own bike.
Yes, you can upgrade to comprehensive insurance by contacting your insurer and paying the difference.
Yes, it is legally required for all two-wheeler owners in India.
Yes, it can be purchased individually for any bike or scooter.
Compare plans online, choose digital insurers, and avoid unnecessary add-ons.
No, it is the most affordable type of bike insurance.
Yes, it is mandatory for new two-wheelers, often offered as a 5-year policy.
Yes, third-party claims are valid across India.
No, NCB (No Claim Bonus) applies only to comprehensive insurance plans.
Yes, as long as the rider had a valid driving license, the policy covers third-party liabilities.
No, it is mandatory by law.
You can switch to a comprehensive plan with a zero depreciation add-on.
You can purchase or renew it online with any insurer.
At renewal, you can upgrade by selecting a comprehensive policy.
No, only third-party insurance is legally mandatory.
No, for fire and theft coverage, you need a comprehensive or standalone own-damage policy.
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Support mail: -
Claim mail: -
For Other Query: -
Phone Number: -
Corporate Office :-
Website approved by IRDA(Govt. of India),
ISNP Ref:
IRDA License Number:
Licensed on:
Valid Upto:
Disclaimer:
© 2026 - All Rights Reserved