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icon Car Insurance icon Comprehensive Car Insurance

Comprehensive Car Insurance

Imagine this scenario: You have stepped out of your house after a storm and witnessed your car damaged—thanks to a branch falling on it. What will protect your car now? Moreover, how will you cover the damages to your car? You will need a financial safety net that you can rely on. Here is where comprehensive car insurance steps in—effectively providing you with the financial relief you desire. But it doesn't stop there—this insurance policy is here to offer you protection from all angles, even if your car has been damaged on account of an accident, theft, fire or other natural calamities.

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What is Comprehensive Car Insurance?

A comprehensive car insurance, as the name suggests, is a motor insurance policy designed to offer comprehensive protection for car owners against financial losses for their own vehicle as well as third-party liabilities. Insurance companies offer compensatory relief, such as vehicle repair or part replacement (depending on the total or partial damage of the vehicle).

Unlike a third-party insurance that covers only damages to others, or own-damage insurance that covers only your vehicle—comprehensive insurance stands out as covering both types of damages, protecting you against a wide range of unforeseen risks, including accidents, theft, fire, natural disasters, and vandalism.

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs
Disclaimer - Above mentioned prices are for a Maruti Wagon R, 1.2 VXI (1197 CC) registered in Mumbai on 2013 & previous policy has not expired.

Comprehensive Car Insurance vs. Third-Party Car Insurance

Let us check out the key differences between the three policies to see what each has to offer:

Key Feature Third-Party Car Insurance Own-damage Insurance Comprehensive Insurance
What it Means Covers damages to others Covers damages to your own vehicle. Covers both own vehicle and third-party liabilities
Legal Requirement Required by law as per the Motor Vehicles Act 1988. Not required by law. Not required, but highly recommended.
Premium Amount Lower premiums Moderate Higher premiums due to extensive coverage.
Scope of Coverage Injury, death, or property damage to a third party Damage to your vehicle only Accidents, theft, fire, natural & man-made disasters
Add-on Covers Not available. Limited Multiple add-ons available, such as Zero Depreciation, Engine Protection, and Roadside Assistance
Personal Accident Cover Available separately Available separately Often included or made available as an add-on.

That is why, a third-party or own damage protection will provide only partial protection, exposing you to more risks—while comprehensive insurance ensures 360-degree protection, ensuring significant protection but at slightly higher premiums.

Key Benefits of Comprehensive Car Insurance

Here is a look at the key benefits offered upon owning a Comprehensive Car Insurance:

1. Own Damage Cover

In case there are damages sustained by your own car on account of accident, theft or other disaster, this policy offers protection against damage to your vehicle.

2. Third-Party Liability

Damages caused to third parties by your insured car, be it injury, death or property damages, are effectively covered under this policy.

3. Natural and Man-Made Calamities

A natural calamity may strike at any time. This is why comprehensive car insurance offers protection against not just natural but also man—made calamities, including events such as floods, earthquakes, theft, riots, and vandalism.

4. Multiple Add-on Covers

A comprehensive insurance policy allows you to select multiple add-on covers that help enhance the value of your policy, impacting your coverage level, at the cost of slightly higher premiums.

5. No Claim Bonus (NCB)

Upon purchasing a comprehensive car insurance policy, you are provided with the No-Claim Bonus (NCB) benefit. Simply, this benefit allows you to get a discount on the premium during your policy renewal for every claim-free year.

6. Cashless Repairs

At the time of claim settlement, this policy allows you to visit any authorised garage listed under your insurer's network of cashless garages and get your car repaired. The insurer will directly settle the amount with the garage, without you having to cover any expenses.

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Add-On Covers You Can Opt For

An add-on cover helps increase the benefits of your insurance policy, strengthening its overall coverage level.

While purchasing your comprehensive insurance, ensure to select the add-ons that are best suited for you to enhance the value of your policy. Here’s a look at them:

  • Zero Depreciation Cover

This cover is beneficial at the time of claim settlement, as it enables your insurer to pay the full costs for car parts without considering the depreciation value of the car.

  • Engine Protection

This cover aids in covering the costs to replace or repair the engine and gearbox, in case of unforeseen circumstances like water ingressions, oil leakage, etc.

  • Roadside Assistance

This cover provides 24/7 assistance in case your car suffers a sudden breakdown in the middle of the road due to an empty fuel tank, vehicle lockouts, flat tyres, etc. The services included under this cover are towing, fuel delivery, minor repairs, etc.

  • Return to Invoice (RTI)

At the time of claim, in case of total loss or theft of your car, this cover allows the insurer to pay the original invoice value, which is ideal for new car owners.

  • Consumables Cover

Once you opt for this cover, it reimburses the amount spent on consumables such as lubricants, nuts and bolts, engine oil, screw, oil filter, etc. at the time of repair.

  • Personal Accident Cover

This is a compulsory add-on cover provided with comprehensive car insurance. This secures your policy further by providing the owner with coverage in case they face injury, disability or death due to a car accident.

No Claim Bonus Cover
No Claim Bonus Cover
Engine Protection Cover
Engine Protection Cover
Consumables Cover
Consumables Cover
Key Protection Cover
Key Protection Cover
Personal Accident Cover
Personal Accident Cover
Daily Allowance Benefits
Daily Allowance Benefits
Cover Your Car Accessories
Cover Your Car Accessories

Inclusions Under Comprehensive Car Insurance

Always double-check the terms mentioned under your policy. By checking the fine print of your policy, you can get a clear idea about the coverage that your policy has to offer.

Here’s what is covered in general:

1. Coverage for Own Damage

Covers damages arising to own vehicle on account of accident, theft, fire, natural/manmade disasters, falling objects and animal damage.

2. Third-Party Liabilities

Covers compensation for property damages to third parties or legal or financial expenses arising due to injury or death of the third party.

3. Personal Accident Cover

Covers damages not just to your own vehicle, but to the driver as well, in case of injury, disability or death during driving.

4. Select Add-Ons

Based on the type of additional add-on you choose, like zero deprecation, roadside assistance, engine protection, consumables, etc, the services offered by this add-on will be covered.

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Exclusions Under Comprehensive Car Insurance

Here is what's not covered in general:

  • Invalid Driving Licence

If the driver is found without a valid driving licence, no expenses will be covered for damages or losses arising out of it.

  • Driving under Influence

If the driver is caught under the influence of alcohol, any damages or losses arising from it will not be covered.

  • Wear and tear

Repairs will have to be paid from your own pocket if the car faces regular wear and tear.

  • Depreciation (If Not Add-on)

Unless incorporated as an add-on, the policy will not provide compensation for the depreciated value of a car.

  • Mechanical/Electrical Breakdown

In case the car faces an electrical or mechanical breakdown, the expenses arising from it will have to be paid by you.

  • Contributory Negligence

Causing harm to your car on purpose, by doing things you logically should not do. An example of such negligence is taking the car out for a drive during a flood.

  • Mutiny, War or Nuclear Risk

Damage to the car occurring in case of nuclear risk, war-like situation or mutiny will not be covered.

Types of Car Insurance Policy

Third Party Car Insurance
Third Party Car Insurance
Own Damage Car Insurance
Own Damage Car Insurance
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Premium Calculation Factors for Comprehensive Car Insurance

The estimation of the premium for your comprehensive car insurance policy depends on a list of factors. These are:

1. Vehicle Details

Based on the make/model, age and engine capacities of the vehicle, the premiums may differ:

  • Make and model of vehicle

High-end/luxury or high-performance cars will have significantly higher premiums than affordable cars.

  • Age of vehicle

The newer the vehicle, the higher the Insured Declared Value (IDV) will be, resulting in higher premiums, as older cars will depreciate in value over time.

  • Engine Type and Capacity

Due to higher risk and repair costs associated with larger engine capacities, premiums will be higher.

2. Location

The geographical location will impact your car insurance policy's premium. Cars registered in urban areas will have higher premiums, while those in rural areas will have lower premiums.

3. Add-Ons Chosen

The more add-on covers chosen (like zero depreciation, engine protection, roadside assistance, return to invoice), the higher the increase in premiums.

4. NCB

This is a reward for not making any claims during a policy year, impacting the discounts on renewal premiums. The more claim-free years you have, the higher your NCB and the lower your renewal premium.

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Buy Comprehensive Car Insurance Online with Coverfox

Need help buying and renewing comprehensive car insurance online? Coverfox makes the process a lot simpler—through a few simple steps to follow:

How to Buy Comprehensive Car Insurance Online

  • Visit the Coverfox website.
  • Click on the “Insurance > Car Insurance” Tab.
  • Enter Vehicle number or click on “Bought a new car? Click Here”.
  • Enter your car details (such as Make, Model, RTO, etc.).
  • Compare different plans shown on the page and select the add-ons that will help you cover additional damages, and choose the best fit.
  • Upload the necessary documents.
  • Make the payment through the secure payment gateway.
  • Gain access to your police instantly.

How to Renew Comprehensive Car Insurance Online

  • Enter Car Details: Add details like the Car registration number and other basic details.
  • Compare & Select the Right Plan: Go through the shortlisted plans, compare their premiums and benefits. Then, go ahead and select the best plan.
  • Add Additional Covers: Enhance the protection of the policy by attaching add-ons like Zero Depreciation, Engine Protection, etc.
  • Make Online Payments: Pay premium online through a secure gateway from your credit/debit card, internet banking, wallet, etc

Required Documents for Comprehensive Car Insurance Online:

These are the documents you should have at your side while carrying out either of these two processes:

  • Vehicle registration certificate (RC)
  • Previous insurance policy details (if applicable)
  • Identity proof (Aadhaar, PAN, or Passport)
  • Address proof

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What Makes Comprehensive Car Insurance on Coverfox Better?

Need a comprehensive insurance plan that is worth your money? Coverfox is your ideal go-to online platform to select the best comprehensive car insurance plan that is tailor-made for you. In just a few simple clicks, you are provided with policy options from top insurers—allowing you access to instant quotes while evaluating key aspects like premiums, coverage, add-ons, and claim settlement ratios offered by each. What's more? You can also view a list of network garages offered by each insurer.

Now, all you have to do is sit back and compare the plans to select the best one suited for you, based on your needs and budget, while Coverfox takes care of the rest, allowing you instant coverage and hassle-free documentation.

Here’s why you should go ahead and consider Coverfox as your reliable Insurance platform:

  • Seamless Experience: All processes are conducted online.
  • Clear Understanding: All plans are explained in English without unnecessary jargon.
  • Instant Quotes: Get quotes from top insurers immediately and compare the best plan.
  • Hassle-Free Buying: Pay online and receive the policy instantly.
  • Data Security: Data stored in ISO certified data centres only.

Who Should Buy Comprehensive Car Insurance?

A comprehensive car insurance policy is mainly important for these people:

  • New Drivers

Just learned how to drive a car and are struggling on the roads? This insurance policy provides you with the safety net that takes your worries away, in case of an increased risk of an accident.

  • Car Owners in High-Risk Areas

If you are a car driver living in an area prone to vandalism, high traffic or risk of natural calamities, then this insurance is the means to safeguard your vehicle.

  • Frequent Drivers

If you find yourself frequently driving your car over long distances, whether for work or leisure, this policy allows you to travel with peace of mind against unforeseen risks on the road.

  • Luxury Car Owners

For premium or high-end cars, because of their expensive parts, the costs of repairs are through the roof. This policy is a crucial means to avoid those hefty expenses.

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Claim Process for Comprehensive Car Insurance

In case your vehicle is involved in an accident or stolen/damaged, you will be required to file a claim with your insurer. The process for registering a claim is made even simpler with the help of Coverfox.

File an FIR
File an FIR
After checking for any damages after an accident, or discovering theft, it is vital to call the police and file an FIR. Preserve this FIR as it will be required while filing your claim.
Notify Your Insurer
Notify Your Insurer
Inform your insurance company immediately via their website, app, or helpline to provide details of the incident.
Initiate the Claim
Initiate the Claim
Fill out the online claim form with details like date, time, location, and a brief description of the incident. Submit the required documents with the form.
Log In to Your Account
Log In to Your Account
Using your registered credentials, access your insurer’s portal or app.
Inspection and Repairs
Inspection and Repairs
Schedule a vehicle inspection or upload photos for assessment. Choose between cashless repairs at a network garage or reimbursement options.
Track and Settle
Track and Settle
Monitor your claim status online. The insurer settles bills directly with the garage for cashless claims or reimburses approved amounts for reimbursement claims.

Document for Comprehensive Car Insurance Claim Process

To file a successful car insurance claim, you will require the following documents:

  • Insurance policy document
  • Vehicle Registration Certificate (RC)
  • Driver’s licence
  • First Information Report (FIR) – mandatory for theft or severe accidents
  • Photos of the damaged vehicle or accident site
  • Repair invoices and payment receipts (for reimbursement claims).

Support: Get in touch with Coverfox for more guided assistance with a few contact details to help ease your queries.

Contact us here:

Phone number: 022 4897 1018

Email:help@coverfox.com

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Frequently Asked Questions

  • Q. What does comprehensive car insurance cover?

    • Comprehensive car insurance offers protection from all angles, including covering own damage, third-party liabilities and damage arising due to natural calamities. It also offers personal accident cover to safeguard the driver from injury, disability or death arising from an accident.

  • Q. Is comprehensive insurance mandatory?

    • No, comprehensive insurance is not mandatory. However, it is highly recommended due to its extensive coverage benefits.

  • Q. How is the premium for comprehensive car insurance calculated?

    • The premium for comprehensive car insurance is calculated based on factors such as the make and model of the car, geographical location and add-on covers incorporated.

  • Q. Can I add covers like zero depreciation?

    • Yes, add-on covers like zero depreciation can be added to your policy. This helps the insurer pay the full reimbursement during claims, without considering the depreciated value of the car.

  • Q. What happens if I delay renewal?

    • In case policy renewal is delayed and policy lapses, the following occurs:

      • Vehicle inspection may be required.
      • Renewal premiums may be higher.
      • Higher chances of losing the NCB benefit.
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Written By: Coverfox - Updated: June, 2025.
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