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
Comprehensive Car Insurance
Third Party Car Insurance Policy
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).
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.
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
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