Third-party insurance
Motor cover for harm you cause to others; compulsory by law for every vehicle on a public road.
Third-party insurance is the part of motor cover that pays for harm you cause to other people: injury, death or damage to their property. The Motor Vehicles Act makes it compulsory for every vehicle used in a public place. It pays nothing for your own vehicle. See motor insurance explained.
Questions people ask
Is third-party insurance compulsory?
Yes. Section 146 of the Motor Vehicles Act, 1988 says no one may use a motor vehicle in a public place without it. Under section 196, as amended in 2019, a first offence can mean up to 3 months in jail, a 2,000 rupee fine, or both.
Does third-party insurance cover my own vehicle?
No. It only pays for injury, death or property damage you cause to other people. To cover your own vehicle, you need own-damage cover, which together with third-party cover makes a comprehensive policy.
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