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What is Comprehensive Car Insurance?

A comprehensive car insurance covers you for damages caused to your own car which could range from: dents caused by another car during a road accident or your windshield getting broken or your car getting stolen. Other than damages, a comprehensive car insurance helps you cover damages/ injuries caused to a third-party. Here are some instances:

  • Road Accidents
  • Theft
  • Fire
  • Vandalism
  • Falling Objects
  • Damage done to your car by animals or wildlife
  • Natural Disasters
  • Civil Disturbances

Having just a third-party insurance won't cover any of these damages/losses to your own car. Thus, having a comprehensive insurance cover is a matter of convenience.

Did you know?

You can check the list of perils covered by your comprehensive car insurance by simply reading the policy wordings. It's not just convenient, but also advisable!

Why Comprehensive Car Insurance?

While it’s practical and simpler to go for comprehensive cover, it includes a host of benefits to make your decision even easier:

It’s easily affordable.

Price wise, comprehensive covers are more economical and cost-effective than a third party one.

Hassle-free.

It saves you from a lot of stress in a tough situation, and also ensures you much-needed peace of mind.

Covers various instances.

Right from theft and fire, to liability to third parties in case of an accident.

But Should I Upgrade?

In one simple word, Yes.

You’re already paying for an insurance that provides cover for third-party damages. It makes better sense in spending a little extra to cover a whole list of possible accident situations.

Moreover, claiming on your comprehensive car insurance for damages to your own car is less complicated than you can imagine.

But do keep in mind, there are still some instances NOT covered under a comprehensive cover. These exclusions are:

  • Mechanical or on-road electrical breakdown
  • General ageing, wear and tear
  • Damages caused by driving under the influence of narcotics or alcohol.
  • Damage caused by driving without a valid driving license
  • Consequential loss
  • Loss damage outside areas mentioned in the policy document

It's any day advisable to switch from third-party to a comprehensive insurance cover. Want to know why and what happens when you switch? Check ahead!

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Why Comprehensive Car Insurance is Better?

Here is why comprehensive cover is a better option over third-party insurance:


Expensive? Not Really!

A comprehensive cover might seem a bit more expensive than third-party insurance. However, once you compare the damages they cover, the difference in price is negligible.

Covers your Car too!

A third-party insurance does not cover damages done to your vehicle; all claims are in favor of the other party. A comprehensive insurance policy covers your car too.

Enhance Coverage

Buying just a third-party insurance cover limits your coverage options. With a comprehensive car insurance, you can also buy add-ons to enhance the coverage.

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Ultimately, switching to a comprehensive insurance covers does provide a lot of benefits. It covers expenses and losses for both you as well as the third party. Thus, it keeps everyone happy.

Add-ons for your Comprehensive Car Insurance

Did you know that you could extend your car insurance coverage by opting for add-ons that you need to pay for? The cost of these is added to your premium amount. But they increase your financial coverage substantially.

Zero Depreciation: This is one of the most popular add-ons considering vehicles and its parts are subject to depreciation. You can read more about zero depreciation here.

NCB Protect: Insurance companies offer you a bonus for every year you don’t make a claim, this is known as a No-Claim Bonus (NCB). But the year you make a claim, NCB falls back to zero. With NCB Protect, you can claim without affecting your NCB.

Engine and Gearbox protection: This covers damages caused to engine parts and the gearbox of your car. They may occur due to leakage of lubricating oil, water seepage, etc. to name a few.

Understand your car’s needs and upgrade it’s insurance cover.
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FAQs
Some Questions about Comprehensive Car Insurance

Should I opt for a comprehensive car insurance or just a third-party policy?

As per the Indian law, it is mandatory for all vehicles operating on public roads to have Third Party Liability Insurance. However, a comprehensive car insurance policy covers injury and damage costs. This is both to your vehicle as well as to the other/third party involved. So, the latter is advisable.

Can I switch from third-party insurance to comprehensive insurance? What documents should I submit?

Yes, you can easily switch from third-party to comprehensive car insurance. You can call and inform Coverfox at 022-39178008 or write to us on help@coverfox.com. You also have to submit a copy of your previous year’s policy document and copy of your car’s RC (Registration Certificate).

An inspection team would be sent to inspect your car. After inspection, once approved, you’re eligible to receive comprehensive car insurance. The IDV would depend on the age, condition of your car, and its engine capacity.

What coverage limits meet my needs?

Third party liability insurance covers the following: unlimited coverage of injuries and up to a sum of Rs. 7.5 lakhs as property damage cover. You also have an option to limit the third-party property damage coverage to up to Rs. 6,000. This leads to a lower “Liability Only” premium, letting you avail further discounts on your premium.

What are the key factors affecting premium calculation?

Following is a list of standard aspects that may affect your premium calculation:

  • Make/Model of the vehicle
  • Age of the person
  • Driving history
  • Profession of the person
  • Geographic location


Are there any discounts that can lower my premium?

Apart from NCB, there are discounts available under ‘own-damage’ premium for the following instances:

  • Members of Automobile Association of India
  • Private Vintage Cars
  • Installation of anti-theft devices approved by ARAI
  • Vehicles specially designed/modified for the disabled

What is a deductible or excess?

This is the amount payable over and above the claim amount. It is the amount of money you may have to pay for repairs before your insurance claim covers the rest. There is standard excess for most vehicles, ranging from Rs. 50 for two-wheelers to Rs. 500 for private and commercial vehicles.

How are claims under comprehensive car insurance settled?

The most important step is to notify the insurance company at the earliest. You can then proceed to registering an official claim by submitting the required documents. Some of them are claim form, vehicle registration, FIR (if applicable) and so on, to the insurance company. Some insurance companies also allow online claim registration.