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

Which car do you drive?

When did you buy your car?
20042019
Have you made a claim in the previous year?

​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.

Comprehensive Car Insurance Companies

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Car Companies User Reviews

  • Excellent work by executive

    You executive is an excellent resource who has been very patient and calm in his work. He explained the policy in very well manner and helped me get r...

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    S
    SYED REHMAN
    On: 21st May, 2020 | Views
  • Excellent opportunity for the vehicle owners

    Very much happy with the service provided by keeping the quotations from different insurers to select the best price.

    N
    NAGAVALLI
    On: 20th May, 2020 | Views
  • Great support

    Excellent great support.

    M
    MOHIT KAUL
    On: 19th May, 2020 | Views
  • Great support from team

    Very good support from executive

    S
    SHAMS TABREZ ANSARI
    On: 16th May, 2020 | Views
  • The service by your executive was outstanding!

    Executive of insurancedekho.com have done a great job in assisting me. Special thanks to the team of Insurance Dekho.

    J
    JITENDER KUMAR
    On: 13th May, 2020 | Views
  • Easy App

    Super and easy app. Convenient to choose insurance policy.

    V
    VASANTHI SUNDAERA MURTHY APPUIYER
    On: 13th May, 2020 | Views
  • Easy Insurance service

    Very nice service and facility given on call support.

    P
    PAWAR PATIL ANIL
    On: 12th May, 2020 | Views
  • Exemplary service

    I have been provided the best possible service that too at 5am by your executive. It was exemplary! Employee like her is an asset and must be valued ...

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    M
    M M M INDIA LTD
    On: 12th May, 2020 | Views
  • Good Support

    Good support from Insurance Dekho team.

    P
    Pushp Mahindra
    On: 28th April, 2020 | Views
  • Supportive person

    Nice executive who is an expert in the field of insurance

    P
    Pankaj Rawat
    On: 23rd April, 2020 | Views
  • Great Support for quick Insurance

    Good experience and quick service as always.

    K
    KHALIDAMEEN
    On: 16th April, 2020 | 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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