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Motor Insurance
Commercial Vehicle Third Party Insurance
Key Features
Covering the unexpected, so you can drive worry-free
Coverage Highlights
Get Third Party coverage for your car
Affordable
The policy is economical considering the coverage it offers, with the IRDAI setting a standard premium for various commercial vehicles
Avoid Fines
Having a third-party policy for commercial vehicles is compulsory, helping you avoid hefty traffic fines
Convenient Purchase
You can easily buy third-party insurance for commercial vehicles online
Consistent Pricing
The IRDAI regulates the price of this policy, ensuring no discrepancies in premium rates
Inclusions
What’s covered?Third-Party Property Damage
If your vehicle causes damage to another vehicle, the insurer will cover the costs, up to a limit of INR 7.5 lacs
Third-Party Death or Injury
In the event that your vehicle injures or causes the death of a third party, or results in any disability, the insurance will provide compensation as determined by the Motor Accident Claims Tribunal
Personal Accident Cover
You are also eligible for personal accident coverage up to INR 15 lacs, provided you have a valid driving license
Exclusions
What’s not covered?Depreciation
The normal wear and tear of the vehicle due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your vehicle suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Driving
If you use your vehicle outside the borders of India and then suffer any damage, such damage would not be covered
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Car with Bajaj Allianz?
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Motor & Health Companion
Drive Confidently with Bajaj Allianz
Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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Download the Caringly Yours app from App stores or click "Get Quote"
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1
Register or log in to your account.
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2
Enter your car details
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3
You will be redirected to the Car Insurance Page.
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4
Ensure to check your No Claim Discount
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5
Choose right Insured Declared Value (IDV) that reflects your car value
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6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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10
Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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Enter your current policy details
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2
Review and update coverage if required
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3
Check for renewal offers
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4
Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Download our Caringly Yours App on Android or iOS
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1
Register or login to use Motor On the spot claim for a smooth process
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2
Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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4
Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Insurance Wallet App
Know More
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For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
Quick Links
Diverse more policies for different needs
Insurance samjho
Two wheeler motor OTS
Two wheeler long term policy
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Caringly yours(Motor Insurance)
All you need to know about motor insurance
Smart Reads, Right Coverage
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Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
Yes, comprehensive insurance is still a smart choice for an old car. It protects against theft, fire, vandalism, and natural disasters—risks that don’t depend on the car’s age. Even if the car’s market value is lower, the financial relief in unexpected situations often outweighs the premium cost.
Yes, driving a car without comprehensive insurance is possible, but it comes with risks. While only third-party insurance is legally required, skipping comprehensive coverage means you bear the full cost of damages from theft, fire, or natural disasters.
Deductibles in comprehensive car insurance are the amount you pay from your pocket before the insurer covers the rest of the claim. There are two types: compulsory deductible, set by the insurer, and voluntary deductible, chosen by you to lower premiums. Higher voluntary deductibles reduce premiums but increase your share in claims.
Insured Declared Value (IDV) in comprehensive car insurance is the maximum amount you can claim/receive if your vehicle is stolen or damaged beyond repair. It is calculated based on the car’s market value, factoring in depreciation. A higher IDV increases premiums, while a lower IDV reduces payouts during claims.
Car insurance premiums depend on car type, age, make, and model. Not only that engine capacity, location, and frequency of usage. The age of the driver and their claims history also impact costs. Additional add-ons, voluntary deductibles, and installed safety features are other factors that influence the final premium.
No Claim Bonus (NCB) in comprehensive car insurance is a discount on the premium for not filing claims during the policy term. It rewards safe driving and responsible ownership, increasing yearly up to 50%. NCB reduces renewal costs to make insurance affordable.
Comprehensive car insurance claims can be rejected due to policy lapses, incorrect information, driving under the influence, unauthorized vehicle modifications, using the car for commercial purposes, delayed claim reporting, lack of valid documents, or intentional damages.
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
Why juggle policies when one app can do it all?
Download Caringly your's app!
What is Third-Party Car Insura
Third-party car insurance, also known as Third-Party Liability (TPL) insurance, is a basic mandatory car insurance policy in India. It financially protects you from legal and financial liabilities arising from injuries or property damage caused to a third party (people or vehicles) by your car in an accident. In simpler terms, if you cause an accident and injure someone or damage another person's car, the 3rd party car insurance covers the costs associated with those damages, not your car's repairs.
Key Features of Third-Party Car Insurance
An online third-party car insurance offers essential coverage:
●Third-Party Bodily Injury : Covers medical expenses, disability compensation, or death benefits for third parties injured in an accident caused by your vehicle.
●Third-Party Property Damage : Covers repairs or replacement costs for property damaged by your car, including other vehicles, buildings, or infrastructure.
●Mandatory by Law : Owning and driving a car in India requires a valid third-party car insurance policy. Driving without it can lead to penalties and fines.
Please note :Third-party car insurance does not cover repairs to your own car or injuries to yourself or your passengers.
*Claims are subject to terms and conditions set forth under the travel insurance policy.
Why You Need Third Party Insurance?
Third Party Car Insurance is the most basic insurance cover you can have for your four wheeler; it is to your car what butter is to bread.
Without it, your car is virtually useless because you cannot legally drive your vehicle without a valid car insurance cover for third party liability coverage at the least. As per the Indian Motor Vehicles Act 1988, it’s mandatory for every car plying on roads to have a third party liability cover.
Not only does Third Party Car Insurance help you meet the statutory requirement, but it also cushions you from unexpected expenses. Compensation expenses for injuries caused or accidental death to a third party can be quite high, and can deplete your savings as quickly as sand slipping through your fingers.
What’s more is that Third Party Car Insurance helps you maintain your peace of mind. Financial and legal repercussions aside, knowing that someone is suffering because of you is not the best for your personal wellbeing.
With our Third Party Car Insurance Policy, we help you take responsibility for any mishaps involving you and your car while taking care of the financial burden of the same.
Importance of Third-Party Car Insurance
Having 3rd party car insurance is essential for several reasons:
Financial Protection : It safeguards you from substantial financial burdens in case you cause an accident. Legal costs and third-party damage repairs can be significant.
Peace of Mind :Knowing you have this basic coverage allows you to drive with greater peace of mind, knowing you're not solely liable for the financial repercussions of an accident involving a third party.
Legal Compliance : It's a legal requirement in India. Driving without valid insurance can lead to fines, vehicle seizure, and potential legal hassles.
Third Party Car Insurance Claim Process
The working of a Third Party Car Insurance Policy is quite simple. In this, you, the insured person, are the first party, the Insurance Company is the second party, and the injured person claiming the damages in the third party. Here’s how this insurance policy works:
✓The victim (i.e. third party) or his legal representative makes a claim against you, the vehicle owner
✓An FIR is filed with the police with the details of the accident
✓A case is registered with the Motor Accidents Claim Tribunalaccident
✓As directed by the tribunal, the insurer pays the compensation amount to the victim
How To Get a Claim for Third-Party Insurance?
In case of an accident involving a third party, follow these steps:
1. Inform the Authorities :File a police report (FIR) at the nearest police station.
2. Intimate Your Insurer :Contact your insurance company about the accident.
3. Gather Documents :Collect necessary documents, such as the FIR, driving license, RC book, and any medical bills (if applicable).
4. Claim Process :Submit the documents to your insurer for claim processing. They will then contact the third party and settle the claim amount per policy terms.
What makes our insurance unique
With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process
