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


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

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

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

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    Pandeeswari Madhavan
    On: 4th April, 2020 | Views
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    On: 3rd April, 2020 | Views
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    On: 3rd April, 2020 | Views
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    On: 29th March, 2020 | Views
  • Great support

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    On: 27th March, 2020 | Views
  • Excellent support

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    On: 27th March, 2020 | Views
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    On: 25th March, 2020 | Views
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    On: 27th February, 2020 | Views
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    On: 20th December, 2019 | Views
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    On: 19th December, 2019 | Views
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    On: 29th July, 2019 | Views

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