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 insurance

    Good work

    K
    KUNAL DUBEY
    On: 28th February, 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
  • Very smooth and fast process

    Really fast payment service and I also got the policy document immediately.

    R
    RAMA GOYAL
    On: 25th February, 2020 | Views
  • Easy to get policy

    Agent was very informative regarding what to choose and why.

    N
    NIKHIL OWALEKAR
    On: 25th February, 2020 | Views
  • Good experience and smooth renewal

    Nice experience. Good support. The support person was patient and clear in conveying all the info.

    A
    ANTON BENILES GNYANPRAKASH
    On: 21st February, 2020 | Views
  • Great support

    Excellent service, well done!

    M
    Mohammad Wasim
    On: 19th February, 2020 | Views
  • Great support

    Great support. Keep up the good work.

    R
    RAVI SHARMA
    On: 17th February, 2020 | Views
  • Good job tx

    Very nice. Well job done. Nice experience.

    M
    MOHMMED HASAN SHAIKH
    On: 14th February, 2020 | Views
  • Good service

    Thank you for your continuous support. Thank you.

    M
    M MURALIKRISHNA
    On: 10th 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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