Get Third-Party Plan for Just ₹2094!

Looking for the most affordable, no-frills way to stay road-legal? Acko’s Third-Party Car Insurance plan—priced from ₹2,094 (indicative)—gives you the mandatory cover you need without burning a hole in your pocket. It’s quick to buy online, hassle-free to renew, and keeps you compliant with the Motor Vehicles Act so you can focus on the road, not paperwork.

Note: Prices are indicative and may vary by vehicle category, location, and regulator-notified rates. Always check the final premium on Acko before purchase.

Why choose a third-party plan?

Legal compliance: Meets the minimum insurance requirement to drive on Indian roads.
Low premium: One of the most budget-friendly ways to insure your vehicle.
Simple & fast: 100% digital purchase—no inspection for standard cases, instant policy PDF.
Peace of mind: Covers your liability if your vehicle injures a third person or damages their property.

What’s covered (at a glance)

Third-party liability: Injury, death, or property damage to a third person caused by your insured vehicle.
Legal expenses: Costs associated with third-party claims as per policy terms.

What’s not covered

Damage to your own vehicle (OD): Accidents, theft, natural calamities affecting your car are not included.
Personal belongings & wear/tear: Regular maintenance, mechanical breakdown, or personal items.
Add-ons: Zero depreciation, engine protector, roadside assistance, etc., are part of comprehensive/OD plans not third-party only.

Want damage protection for your own car? Consider upgrading to a Comprehensive or Stand-Alone OD policy alongside third-party.

Who should consider this plan?

City commuters with older cars who want legal compliance at the lowest cost.
Low-mileage drivers who primarily park indoors and face limited risk exposure.
Owners selling soon and looking to keep the vehicle compliant till transfer.
Fleet managers ensuring basic statutory cover for multiple vehicles.

How to buy in 5 minutes

Visit Acko’s website/app and choose “Third-Party Car Insurance.”
Enter car number or select make–model–fuel–variant.
Confirm registration city & RTO details.
Review the premium (from ₹2,094) and inclusions.
Pay online and download your e-policy instantly.

Documents typically needed:

Registration Certificate (RC) details, previous policy (if renewing), and basic KYC (may be prefilled via DigiLocker in many cases).

Pricing basics (why you might see differences)

Premiums for third-party insurance in India are regulated and can vary by:

Engine capacity (cc) or kW for EVs
Private vs commercial usage
Location/RTO and tenure (1-year vs long-term options for new vehicles)

Tip: If your car is older and you mainly need legal cover, third-party is the most economical. For newer cars, pair third-party with OD cover to protect your own damages.

Add these smart extras (optional)

While the third-party plan itself is minimal, you can layer protection:

Personal Accident (PA) Cover for Owner-Driver (mandatory if not covered elsewhere)
Stand-Alone OD cover for own-damage risks
Add-ons with OD/Comprehensive: zero-dep, consumables, engine secure, RSA, key replacement, and more.

Claims—how it works for third-party

In an accident: Ensure safety first. Inform police (FIR where required).
Notify Acko: Share incident details via app/helpline and keep copies of RC, DL, policy, and FIR (if applicable).
Assessment & settlement: Third-party claims are processed per Motor Accident Claims Tribunal (MACT) / legal process. Acko coordinates per policy terms.

Own-damage claims aren’t part of a third-party-only policy.

FAQs

Q1. Is ₹2,094 the final price for all cars?
A: No. ₹2,094 is an indicative starting premium. Actual price depends on vehicle segment, location, and current regulator-notified rates.

Q2. Can I buy third-party now and add own-damage later?
A: Yes. You can pair third-party with a Stand-Alone OD policy from the same or a different insurer, subject to norms.

Q3. Is PA cover included?
A: PA for Owner-Driver is mandatory but may be purchased separately if you already have it under another vehicle/policy. Check your status at checkout.

Q4. Do I need inspection to buy?
A: For third-party renewals, inspections are generally not required in standard cases. Acko will prompt if anything additional is needed.

Q5. Will traffic cops accept an e-policy?
A: Yes. Keep your soft copy on your phone and ensure it’s valid. Also carry RC and DL.