
Hdfc Ergo Third Party Car Insurance
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Covers Third Party Person
Covers Third Party Property
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HDFC ERGO Third Party Car Insurance Policy
A third-party liability policy is the most basic cover offered by HDFC ERGO to car owners. A third party auto insurance cover provides you with a safeguard against third party liabilities - life and property. The cover includes legal liability cover for injury, death, and property damage caused to a third party by the insured vehicle.
The HDFC ERGO third party liability cover also offers you the compulsory Personal Accident cover of up to Rs 15 lakh. A third party liability cover is an inexpensive cover compared to a comprehensive cover and covers you for the legal requirement of having an auto insurance policy for your car.
Third Party V/S Comprehensive Car Insurance Plan
The following table highlights the key differences between a third party car insurance plan and a comprehensive car insurance plan:
Basis |
Third-Party |
Comprehensive |
Coverage | A third party car insurance plan offers protection to the policyholder against any third party liabilities incurred including property damage, death, or bodily injuries, etc that can arise because of an accident or mishap.This insurance plan is mandatory for all the car owners to have as per Indian Motor Tariff Act. | A comprehensive car insurance plan offers holistic coverage to the insured vehicle by providing compensation towards both own damage expenses and third party liabilities that can arise because of any mishap or unforeseen event. |
Add-On Covers | As it is basic insurance plan coverage, therefore, no add-on covers can be availed alongside any third party car insurance plan. | Under a comprehensive car insurance plan, a policyholder can avail a few add-on covers alongside the same insurance plan. Some of the commonly available add-on covers are personal accident cover, zero depreciation cover, roadside assistance cover, etc. |
Nature of Requirement | As mandated by the Indian Motor Tariff Act, a car must at least carry a third party car insurance plan. This insurance plan provides the policyholder with legal and financial assistance in times of need. | A comprehensive car insurance plan is not compulsory but is generally the most recommended plan by the insurers as it offers coverage against third party liabilities and own damage expenses. There is no need to buy a third party insurance plan separately if a comprehensive insurance plan has been purchased. |
Cost | These insurance plans are quite affordable as limited insurance coverage is offered to the policyholder. | This insurance plan is comparatively expensive as enhanced coverage is offered under this plan. |
HDFC ERGO Third Party Car Insurance Policy Coverage
What All is Covered Under HDFC Ergo Third Party Policy?
A third party car insurance policy offered by HDFC ERGO covers the following:
- Unlimited liability of compensation in case of injury/death of a third party by the insured vehicle. The amount of compensation is decided by a court of law.
- Compensation of up to Rs 7.5 lakhs for any third party property damage.
- Personal Accident cover of Rs 15 lakhs for the policyholder (optional).
What All is Not Covered Under HDFC Ergo Third Party Policy?
HDFC ERGO third party car insurance policy does not provide a cover for the following:
- Bodily injury of the policyholder.
- Damages/loss caused to the insured car.
- Contractual liabilities.
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HDFC ERGO Third Party Car Insurance FAQs
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Is it compulsory to purchase the personal accident cover along with the HDFC ERGO third party liability cover?
A Personal Accident (PA) cover of up to Rs 15 lakhs is a mandatory requirement for all car owners. However, car owners have an option to opt for it with either the auto insurance policy or separately. This means you can skip the HDFC ERGO personal accident cover if you already have one from any other motor insurer
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How much compensation is offered by HDFC ERGO in case of death of a third party?
HDFC ERGO offers unlimited liability of compensation for a third party’s death due to the insured vehicle. The final amount of compensation is decided by a court of law.
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Will I get the NCB discount with the HDFC ERGO third party cover?
No. No Claim Bonus (NCB) discount is not available in case of third party car insurance policy.
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I have lost my HDFC ERGO third party car insurance policy documents. What should I do?
In case of loss of car insurance policy document, you can request the insurer to provide you with a duplicate copy of the document for a nominal fee. For this, you can contact HDFC ERGO at 022-6234-6234/0120-6234-6234 or visit your nearest HDFC ERGO branch.
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How much compensation is provided for third party property damage?
Third party property damage is covered up to Rs. 7.5 lakh.


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