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Comparing Own Damage and Comprehensive Car Insurance Policies in Depth

Written by Saad Ahmad
Updated On Oct 18, 20232 min read

Comparing Own Damage and Comprehensive Car Insurance Policies in Depth

Choosing the correct form of auto insurance coverage as a car owner is a complex undertaking in and of itself. With so many various coverage plans and insurers to select from, it can be challenging for a buyer to choose the best one. We've broken down the differences between own-damage and comprehensive auto insurance policies to assist you.

Comparing Own Damage and Comprehensive Car Insurance Policies in Depth

What Are the Benefits of Having a Car Insurance Policy?

With so many hazards connected with driving a car, it's crucial to have car insurance coverage to protect yourself from financial loss and legal obligations in the event of a calamity such as a car accident, theft, fire, or explosion. You must examine elements such as the IDV, the make and model of the automobile, the age of the car, and the geographical place where you dwell before purchasing any form of car insurance coverage. Furthermore, we propose that you look for plans online, compare them to those offered by other insurers, and then make your decision appropriately.

The Advantages of Own-Damage Car Insurance

Standalone own-damage insurance is another name for this sort of coverage. It is advantageous for those automobile owners who just have third-party coverage and do not wish to upgrade to a comprehensive policy. Because third-party automobile insurance only covers damage to a third-property party's or life, it does not cover damage to your own vehicle. This is why own-damage insurance serves as additional coverage for your vehicle in the event of a calamity such as wrecks, natural or man-made disasters, fire, theft, and so on. This sort of coverage is ideal for drivers who currently have mandatory third-party insurance but want to upgrade. As a result, they will not be responsible for any big or small damage to their own vehicle as a result of any catastrophe. One of the nicest things about having an own-damage policy is that it doesn't have to be bundled with your third-party insurance. As a result, you won't need to get it through your third-party insurance provider. Instead, you may look up plans online, compare insurance coverage and prices, and select a provider from a list of options. The following are some additional advantages of obtaining own-damage coverage for your car:

  • The No Claim Bonus is included in the package.
  • It protects your car against accidents, natural disasters, and man-made disasters, among other things.
  • The cost of the policy is less than the cost of a full policy.

Advantages of a Comprehensive Automobile Insurance Policy

If you want complete coverage, a comprehensive automobile insurance policy is the way to go. It provides you with the advantages of both own damage and third-party liability coverage. It also reimburses the cost of personal injuries sustained while traveling. It's a more comprehensive form of insurance that also covers any legal expenses you might have to pay to a third party. You may acquire add-on coverage with comprehensive automobile insurance that you cannot get with a third-party policy alone. These add-ons are meant to supplement your base plan by providing additional coverage and allowing you to customize your insurance coverage. The following is a list of optional coverages that you may purchase in addition to your comprehensive vehicle insurance policy.

  • Coverage for NCB protection
  • Coverage for roadside assistance
  • Cover for the engine
  • Cover for passengers

Take Away

To assist you in deciding which type of auto insurance coverage is best for you, we've created a full comparison chart that lists all of the benefits of both policies. Choose a plan that fits your budget and needs, and don't forget to read the policy details thoroughly.

Also read: Which Is Better: Online Or Offline Car Insurance?

Steps To Follow After A Car Accident


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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