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Comprehensive Car Insurance Explained

Published On May 27, 2021 11:00 AM By InsuranceDekho

Comprehensive car insurance policy covers the insured against both own damages and third party liabilities. Read more about them here.

Comprehensive car insurance is an extensive motor insurance policy that covers the insured against both own damages and third party liabilities. It offers complete protection even against losses except for the ones arising due to a collision. These losses include fire, theft, man-made calamity, natural calamity, and so on. 

They are the best way to get the most superior kind of protection for your car. But there is a common myth associated with these policies that they are expensive. However, the reality is that despite offering extensive coverage, comprehensive car insurance policies are not always expensive. To check what suits you the best, you can compare car insurance policies from different companies online at InsuranceDekho, using its car insurance premium calculator. 

Comprehensive Car Insurance Explained

Benefits of Buying Comprehensive Car Insurance Policy  

A comprehensive car insurance policy or ‘other than collision’ car insurance comes with certain advantages:

  • Offers complete protection for your car
  • Offers financial protection plus peace of mind
  • Offers financial protection if the car is written off
  • You can make claim in case of an accident, if you are at fault
  • Offers protection for damages caused to own car in the misfortunate event of an accident

Inclusions In Comprehensive Car Insurance Policies

To avoid any confusion at the time of claim settlement, you must go through the inclusions under your comprehensive car insurance policy. Here are some common inclusions: 

  • Damage caused by severe weather or natural disasters like earthquake, flood, etc. 
  • Damages caused due to fire, theft, vandalism, etc.
  • Expenses related to damages caused to the third party
  • Damages caused due to objects falling on the car, for instance, trees, etc. 
  • Damage or destruction of the car caused due to civil disturbance like riot, etc. 

Exclusions In Comprehensive Car Insurance Policies

It is important to know what your comprehensive car insurance policy does not cover you for, to avoid any hassle at the time of claim settlement. Read comprehensive car insurance policy exclusions here: 

  • Wear and tear of your car
  • Depreciation
  • Mechanical or electrical breakdown
  • Damage caused due to drunken driving
  • Damage caused because of driving after consumption of drugs
  • Loss to the car caused due to war, nuclear risk, or mutiny
  • Damage caused due to tubes and tyres. But the insurance company will cover 50% of the replacement cost in case the vehicle is also damaged. 

Why to Buy Comprehensive Car Insurance Policy Online?

Now that you know the benefits of comprehensive car insurance policy, you must know why buying it online is a better option: 

  • Ease And Convenience: Buying a comprehensive car insurance policy online allows you to own a policy within a few minutes  at the comfort of your home,and in a hassle free manner. 
  • Informed Choice: Online process keeps you informed of the policy features in advance, so that you do not make an unaware decision. 
  • Cost-Effective: When buying comprehensive car insurance policy online, you can choose from different add-ons and consider other parameters as well, that decide your car insurance premium. By modifying your choices, you can choose the most affordable cover for your car.

Bottom Line

Buying a comprehensive car insurance policy is a wise choice to make if you want to pamper your car and offer it maximum protection. To choose from the popular car insurance companies offering comprehensive car insurance policies, you can use InsuranceDekho’s car insurance premium calculator. It not only helps you calculate premiums that you will be required to pay for a particular car insurance policy but also compare different plans online on the basis of several factors such as features, premiums, benefits, etc. 

To buy the policy offline, you can get in touch with the customer care executives at InsuranceDekho on the toll-free number 7551196989 and share your requirements. The buying process will be made further easy for you by the executives. 

Also Read:

Things Covered In An Own-Damage Car Insurance Policy

Benefits of Buying Standalone Own-Damage Car Insurance

Disclaimer: 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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