Insurance • Travel • India • 2026

Motor Insurance in India: Third-Party vs Comprehensive Cover

Learn what motor insurance is compulsory in India and how third-party cover differs from own-damage and comprehensive/package protection.

Last reviewed: 5 October 2026. This is an educational guide for Indian students and travellers. Insurance and visa rules can change; verify the exact visa category and policy wording before purchase. This is not financial, insurance, legal or immigration advice.

The mandatory part

Third-party liability insurance is mandatory for vehicles plying on public roads in India.

Own damage

Own-damage cover protects the insured vehicle against specified losses subject to terms. A comprehensive/package policy can combine liability and own-damage protection.

Important terms

IDV, deductible, no-claim bonus, add-on, own damage and third-party liability are common exam and consumer terms.

What to check before paying for a policy

• Is insurance mandatory for your exact visa category, or only recommended?
• Does the policy cover the complete travel period and correct countries?
• Check emergency medical limits, evacuation/repatriation, deductibles, exclusions and pre-existing-condition wording.
• Confirm whether the embassy/visa centre requires a specific certificate format or insurer eligibility.
• Keep the policy certificate and emergency-assistance details accessible during travel.

Important distinction

IRDAI states that third-party liability insurance is mandatory for vehicles on public roads; broader own-damage protection is separate.

Official source

Check the official government/regulator guidance →

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