Comprehensive Car Insurance Policy

Comprehensive Car Insurance Policy

What Is A Comprehensive Car Insurance Policy?

A comprehensive car insurance plan is a package policy that offers coverage for the loss and damage sustained by both parties involved in the accident/mishap. It includes coverage for the damages incurred by the insured vehicle as well as third-party liabilities.

Policyholders can enhance the coverage of a comprehensive policy with the help of a number of add-on covers such as zero depreciation cover, NCB cover, Bi-fuel kit cover etc., which are available with it. Although a comprehensive car insurance policy is not mandatory by law unlike a third party only car insurance polic, it is nonetheless recommended.

What All Is Covered Under A Comprehensive Car Insurance Policy?

  • Own damages incurred by the insured vehicle in any road accident, natural/man-made calamity, theft, fire or any other mishap.
  • Third party bodily injuries as well as death.
  • Third party property damage

​What All Is Not Covered Under A Comprehensive Car Insurance Policy?

  • Depreciation/wear and tear of the vehicle.
  • Mechanical or electrical breakdown of insured vehicle.
  • Accident which occurred when the vehicle was being driven without a valid driving licence.
  • Accident which occurred when the driver was under the influence of intoxicants.
  • Any loss or damage due to mutiny war, or nuclear attacks and other events that are beyond compensation.

Difference between a Comprehensive Car Insurance and a Third Party Cover

Basis

Comprehensive Car Insurance

Third Party Car Insurance Policy

Coverage

Comprehensive car insurance policies offer compensation for damage caused to the insured vehicle as well as the injury/death of a third party. It also offers coverage up to a maximum cap of Rs 7.5 lakh in case of third party property damage.

The third-party Car insurance plan offers compensation for injury/death of a third party( as decided by a court of law) and third party property damage (up to Rs 7.5 lakh).

Add-ons

A number of add-on covers such as Zero Depreciation Cover, Consumables Cover, etc. are offered along with a comprehensive car insurance policies against extra premium.

No such add-on covers are available for purchase with the third-party policies.

Cost

Comprehensive plans are comparatively costlier due to extensive coverage.

Third-Party policies are compared cheaper to comprehensive policies due to its limited coverage.

Car Companies User Reviews

  • Great service

    Great..it is an excellent experience to do insurance from here. Your executive is undoubtedly an excellent agent.

    A
    Alfres Lalliansanga
    On: 5th April, 2020 | Views
  • Great support form the team

    Good Service. Immediately the team contacted me.

    P
    Pandeeswari Madhavan
    On: 4th April, 2020 | Views
  • Nice support

    Good team, special thanks to the executive who helped me.

    V
    Vijay Shanker Khanna
    On: 3rd April, 2020 | Views
  • Good support from your team

    Your team helped me to figure out the apt insurance for me. The team was really helpful.

    A
    Akhil P Mohan
    On: 3rd April, 2020 | Views
  • Easy and trusted

    Good one... When compared with leading companies in market.

    R
    Raveendran R
    On: 29th March, 2020 | Views
  • Great support

    Good experience....Great support by team...

    P
    PANCHAL DILIPKUMAR CHANDULAL
    On: 27th March, 2020 | Views
  • Excellent support

    Thank you for the support.

    S
    SYED MOHAMMAD ALI
    On: 27th March, 2020 | Views
  • Great support by the executive

    Very good support by the executive. Thanks to insurance dekho, It is giving nice support to us. All the best to your company.

    L
    LT GIRISH G
    On: 25th March, 2020 | Views
  • Like the way your team supported me

    I got good assistance to renew my car insurance. I would like to have the same in future also.

    M
    MD WASHIM REJA
    On: 27th February, 2020 | Views
  • Great support

    Like the proactive measure to intimate and get insurance done in advance

    S
    SonelUplanchiwar
    On: 20th December, 2019 | Views
  • Great support

    Good experience, really a nice way to renew my car insurance,I think it is cheaper also.

    S
    Sunil Kumar Mishra
    On: 19th December, 2019 | Views
  • Good job biddya

    Thank you so much to your executive for his assistance. First time I have taken online policy from you.

    S
    SITARAM PRAJAPATI
    On: 29th July, 2019 | Views

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