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HDFC Ergo Third Party Car Insurance
Third-party car insurance helps you if your car causes damage to someone else or their property in an accident. It protects you from paying for these damages yourself. This insurance is required by law for all vehicles. Here, you can learn about the key details of third-party insurance.
Key Features of HDFC Ergo Third-Party Car Insurance
Covers Damage to Others
If you accidentally hurt someone or damage their property, the insurance will pay for it. Medical costs are covered, and property damage is compensated up to Rs. 7.5 lakhs.
Affordable Pricing
The price for third-party car insurance is fixed by the Insurance Regulatory and Development Authority of India (IRDAI), so it is affordable for everyone.
Personal Accident Add-on
You can add personal accident cover, which helps with medical expenses if you get injured in an accident.
Motor Insurance Plans By HDFC Ergo
What is Covered and Not Covered in Digit Third-Party Car Insurance
Before purchasing third-party insurance, it is important to be aware of its inclusions and exclusions.
What it Covers
Personal Damage to Third Party
In case any person gets injured by your car, then the policy covers all the expenses related to the injury of the third person.
Property Damage Compensation
Third-party insurance helps you to pay off expenses related to third-party property damage up to the limit of 7.5 Lakh.
Personal Accident Cover
Third-party insurance in Go Digit also provides coverage up to 15 Lakh to the owner of the insured car. But this is an optional add-on that you should purchase for your safety in case of any accidents.
What Does it not Cover
Own Damage of Car
Any kind of damage to your car is not covered by third-party insurance.
Theft of Car
If your car gets stolen, no compensation is provided.
Drunk Driving
Damage caused after the consumption of alcohol or drugs is also not covered under third-party insurance.
Driving in the Learning Stage
If you are learning to drive a car, you are not eligible for compensation under this type of insurance.
FAQs
No, third-party insurance does not provide compensation for any loss to one's car.
You will be eligible to get coverage up to the limit of 7.5 lakh in case your car destroys the third party’s property.
Yes, Digit Car Insurance provides an add-on for personal accident damage to car owners.
Any of the following reasons for car damage will not be covered by third-party insurance:Own Damage of CarTheft of CarDrunk DrivingDriving in the Learning Stage