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Comprehensive Car Insurance

Unlike third-party car insurance, comprehensive car insurance also covers you against damages caused to your car that aren’t a result of an actual collision with another vehicle.

Apart from liabilities to third parties, these instances also include:

  • Theft
  • Fire
  • Vandalism
  • Falling objects
  • Damage done to your car by animals or wildlife
  • Natural disasters
  • Civil disturbances

Thus, having a comprehensive insurance cover is a matter of convenience!

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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!

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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:

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It’s easily affordable.

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

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

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Covers various instances.

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

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But Should I Upgrade?

In one simple word, Yes.

Paying for the damages to property and injuries to people involved in an accident could be quite cumbersome. Considering that you are already paying for an insurance that provides cover for third-party damages, it makes sense spending a little extra to cover a whole list of possible accident situations. Moreover, to make claim on your comprehensive car insurance for damages to your own car is less complicated than you imagine.

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

  • 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
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Why Comprehensive Car Insurance is Better?

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

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Expensive? Not Really!

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

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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.

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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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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.

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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.

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

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

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, both to your vehicle as well as to the other/third party involved. So, the latter is advisable.

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.

Are there any discounts that can lower my premium?

Apart from the NCB or No Claim Bonus, 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, such as the claim form, vehicle registration, FIR (if applicable) and so on, to the insurance company. Some insurance companies also allow online claim registration.