Comprehensive Car Insurance
All you need to know about comprehensive car insurance
As the name suggests, a comprehensive car insurance policy is a type of car insurance policy which covers a policyholder against the damages sustained by both the parties involved in an uncertain event like fire and accident. So, the damages to self, car, as well as the other party involved in the accident are covered by the comprehensive policy, up to the maximum coverage amount.
A comprehensive car insurance provide you financial protection against the following cases -
Accidental Damages
Fire Damages
Car Theft
Natural disasters like cyclone, flood, earthquake etc
In Transit car damage
Falling objects
Manmade hazards like strikes, riots, Vandalism etc
Third party losses like property damage, bodily injury or death
Personal Accidental Injuries or Death
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In India, car insurance is broadly divided into two categories.
Third Party Car Insurance
Comprehensive Car Insurance
With third-party insurance, you are only protected against the damages, losses, or injuries caused to the third party in case of a road accident involving your car. As per the Motor Vehicles Act, third-party insurance is mandatory for every car.
But what if the accident damaged your car and caused injuries to you as well? Unfortunately, with third-party insurance, you are required to pay for your injuries and car damages from your pocket. This is where a comprehensive car insurance policy can help.
If you are concerned about the financial losses in case if your car meets with an accident or stolen, it is time to know what comprehensive car insurance is and how it is different from third party car insurance policy.
80% CUSTOMERS CHOOSE THIS |
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| Covers under Car Insurance | Comprehensive Cover | Third Party Liability Only |
|---|---|---|
| Accident Coverage |  |
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| Theft Coverage | |
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| Natural Calamities Coverage | |
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| No Claim Bonus upto 50% | |
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| Choice of add-ons | |
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| Customization of car value | |
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| Cashless Claims | |
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| Quick Claim Settlement | |
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| Personal accident cover | |
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| Damage to third party property | |
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| Injury to a third party person | |
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| No hetty fines levied if valid policy in place | |
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Another advantage of comprehensive insurance coverage is that you get to purchase several add-ons with the policy. The add-ons help you increase the scope of your policy. For instance, one add-on that a lot of people consider along with their comprehensive policy is 24x7 roadside assistance.
With this add-on, you can receive 24x7 assistance in case if your car breaks down even in the middle of nowhere. From arranging a mechanic, towing, alternative vehicle, fuel delivery, your insurer will try to help you in many different ways if you have this add-on.
Some very popular add-ons you can consider are-
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There is a widespread belief in India that comprehensive plans are expensive as compared to third-party plans. While this is not entirely false, the higher premiums of a comprehensive policy also offer significantly higher coverage. Own damages, injuries, or car theft could result in severe financial losses.
Paying higher premiums for a comprehensive plan makes sense as it could protect you against such losses. Moreover, there is also a smart way to reduce the premiums of your comprehensive policy. With No Claim Bonus or NCB, you can get discounts of up to 50% on the policy premiums.
Think of NCB as an incentive you receive from your insurer for not filing any claims. The NCB starts at 20% for the first claim-free year and reaches up to 50% in the fifth claim-free year.
Here is how the NCB works-
| No. of Claim-Free Years | NCB Percentage |
|---|---|
| 1 | 20% |
| 2 | 25% |
| 3 | 35% |
| 4 | 45% |
| 5 | 50% |
So, let’s say that you want to renew your comprehensive policy that you purchased last year as it is about to expire soon. If you did not file any claims last year, you have 1 claim-free year. So, you are entitled to receive NCB or premium discount of 20%. The NCB percentage will continue increasing up to the 5th claim-free year as per the table above.
But note that you will lose your accumulated NCB if you file any claims. So, even if you have 3 claim-free years and current NCB is 35%, you will have to again start at 0% NCB if you file any claims now. Also, the maximum NCB discount in comprehensive vehicle insurance is 50%.
Just like all the different types of general insurance policies, comprehensive insurance plans have exclusions too. Some of the most important ones are-
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You can buy comprehensive car insurance plan online with ease in following three steps!
Step - 1
Fill out Vehicle Details
Step - 2
Customize your plan
Step - 3
Get Policy Document
It is not difficult to understand the different ways in which comprehensive car insurance in India could help you and your finances. With additional benefits such as add-ons and NCB, you can get yourself a feature-packed car insurance plan that could keep you and your prized possession protected against many unfortunate events.
Moreover, with many top insurers offering online car insurance, buying and renewing a comprehensive car insurance policy is a simple and hassle-free process. Compare comprehensive plans from reputed insurers online and select one that best suits your requirements.
Starting at only ₹6 per Day*
Leave Your Worries Behind, Buy Car Insurance Online!
