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icon Car Insurance icon Comprehensive Car Insurance

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

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Top Car Insurance Plans Available on Coverfox

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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.
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Why Comprehensive Car Insurance is Better?

Affordable

It's easily affordable.

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

Hassle Free

Hassle-free.

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

Covers

Covers various instances.

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

expensive

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 car

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 cover

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.

Types of Car Insurance Policy

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Is Comprehensive Car Insurance More Expensive Than Other Types of Car Insurance Policies?

The general concept is that comprehensive car insurance policies are more expensive than other car insurance categories like Third Party Liability Only. It may be priced higher than other types of car insurance policies, but it does not hold true always. Therefore, it requires thorough research for car owners and comparison between different types of insurance plans to select one that offers the maximum benefits against low premium. You might just find that a comprehensive car insurance policy might turn out to be a more cost-effective plan as compared to other policies.

As a result of the misconception that third party covers and other car insurance plans are more affordable than comprehensive car insurance, car owners tend to opt for other options, even before thinking over a comprehensive plan.

Add-on Cover for Car Insurance

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Cover Your Car Accessories

What Is Covered by Comprehensive Car Insurance?

Before you select a comprehensive car insurance plan, you should be aware of the inclusions and exclusions of the policy to be able to take a well informed decision. Here are the natural and manmade disasters that comprehensive Car Insurance policies usually cover:

  • Damage caused by natural calamities
  • Fire
  • Vandalism
  • Theft
  • Damage to third party
  • Damage to your insured car due to civil disturbances like riots
  • Damage to your insured car as a result of external objects like trees

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What Is Not Covered Under Comprehensive Car Insurance?

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.

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Frequently Asked Questions

  • Q. What happens if I don’t have comprehensive car insurance?
    • If you don’t include comprehensive and collision, your car will have no cover under your car insurance policy. If you end up causing an accident, then collision cover is the only way to make a car insurance claim for your damage or total loss. In the absence of collision coverage, you will have to pay all the amount yourself.

  • Q. Is it worth getting a comprehensive car insurance policy?
    • Comprehensive car insurance provides coverage to the insured vehicle, owner-driver as well as the hired individuals who may be present at the time of an accident. Hence, it financially protects the interests of the car owner.

  • Q. What is the difference between the third party and comprehensive car insurance?
    • In simple words, a comprehensive car insurance policy will offer coverage for a wide range of damages, injuries, and losses to your passengers, your vehicle, and other property. Third-party car insurance is more restrictive, covering damage to other vehicles and their passengers, but typically not much else.

  • Q. 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.

  • Q. Is comprehensive car insurance policy compulsory for car owners?
    • Comprehensive car insurance offers coverage to the insured vehicle, owner-driver and hired individuals who might be present at the time of an accident. Thus, it financially protects the interests of the car owner.

Show more

Top Car Insurance Plans Available on Coverfox

Tab 1
Tab 2
Carousel plan image
tag
Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Disclaimer - Above mentioned prices are for a 2 years old Maruti Wagon R, 1.2 VXI AMT OPT (1197 CC) registered in Mumbai & previous policy has expired.

Written By: Coverfox - Updated: September, 2022.
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