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Comprehensive Car Insurance
Allow total protection to the third-party and the insured vehicle
Cost-Effective and Value for Money Policies
Protects your car from damages and losses of most kind
Comprehensive car insurance is an insurance plan offering all-inclusive coverage to your car that includes third party coverage and own car damage coverage. With a comprehensive plan, policyholders can buy add-on covers to widen the coverage available under the plan, which makes the policy expensive. However, it is one of the most recommended plans for car insurance.
So, in the event of a mishap the policyholder can claim for losses or damages incurred by his/her vehicle for both third-party as well as for personal car damages. Comprehensive insurance suits private car owners since such policies take care of liabilities of the third party as well as the damages of the car owner.
What Is Comprehensive Insurance Policy Coverage?
So, Comprehensive Car Insurance Policy is a car insurance plan that suits the private car owners aptly because it offers extensive and total car protection to the policyholder from numerous risks like theft, mishaps, liabilities of the third-party, natural and man-made destructions and much more. So, as a car owner, you can expect to get compensated for any repair work as well as most of the replacement works of your car in the event of any unforeseen situations with a car insurance comprehensive plan. Thus, policyholders can use this type of car insurance policy to get compensated for repairs and damages for both partial and major damage of your car.
The insured individuals can use add-on coverage with their comprehensive plan including, NCB add-on, add-on for Bi-fuel equipment, zero depreciation add-on etc. You may note here that it is not obligatory by law to have a comprehensive motor insurance cover, however, it is recommended for better coverage of your car.
What are the Features of Comprehensive Car Insurance Policy?
Some of the key features of a comprehensive car insurance policy are mentioned below:
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Third party liabilities
The Comprehensive plans allow coverage for liabilities caused to third parties in the event of accidents that took place due to the fault of the insured vehicle.
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Own damage compensations
With a comprehensive plan, you can expect to get coverage for various damages caused to your car in the event of a mishap.
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Personal Accident cover
The Comprehensive plan also allows coverage to the insured or the driver of the vehicle with a personal cover against accidents so that he/she can receive good treatment at hospital.
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Include third-party coverage
By buying a comprehensive plan you can get covered for third party liabilities, which is covered as part of the comprehensive plan. Thus, you don't have to buy a third party plan separately if you have a comprehensive plan.
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Add-on covers
Under a comprehensive plan, you can include several add-on policies to widen the coverage of your car insurance plan.
Steps of Comprehensive Car Insurance Claim
Below are some steps that need to be followed to make a claim for comprehensive insurance policies:
Register Claim
The first step is to go to the official portal of your insurer and register a claim on their website. This you can do by logging in using your username, password (provided by the insurer).
Submit documents after filling the form :
The next step is to download the claim form from the official website of the insurer. Once you get the form, fill in the correct details in the form like policy number, vehicle details, insured car owner details etc. Together with filling the form, submit documents to support the details. Now, you can upload the claim form along with the documents on the insurer website.
Inspection
For inspection, you can either do self-inspection or can opt for digital inspection. For self-inspection, you can click images of the damage caused to your vehicle and send them to the insurer. And in case of digital inspection, it is conducted by the surveyor.
Track Claim
Once the entire process is done and you inform the insurer, you can track the status of your claim on the insurer's portal.
Register Claim
The first step is to go to the official portal of your insurer and register a claim on their website. This you can do by logging in using your username, password (provided by the insurer).
Submit documents after filling the form :
The next step is to download the claim form from the official website of the insurer. Once you get the form, fill in the correct details in the form like policy number, vehicle details, insured car owner details etc. Together with filling the form, submit documents to support the details. Now, you can upload the claim form along with the documents on the insurer website.
Inspection
For inspection, you can either do self-inspection or can opt for digital inspection. For self-inspection, you can click images of the damage caused to your vehicle and send them to the insurer. And in case of digital inspection, it is conducted by the surveyor.
Track Claim
Once the entire process is done and you inform the insurer, you can track the status of your claim on the insurer's portal.
Best Car Insurance Companies Offering Cashless Claim Settlement Facility in India
| Insurer Name | Key Features | |
|---|---|---|
 | Royal Sundaram Comprehensive Car Insurance Policy |
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 | Bajaj Allianz Comprehensive Car Insurance Policy |
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 | Bharti AXA Comprehensive Car Insurance Policy |
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 | Cholamandalam Comprehensive Car Insurance Policy |
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 | Digit Comprehensive Car Insurance Policy |
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 | Edelweiss Comprehensive Car Insurance Policy |
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 | Future Generali Comprehensive Car Insurance Policy |
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 | HDFC ERGO Comprehensive Car Insurance Policy |
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 | ICICI Lombard Comprehensive Car Insurance Policy |
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 | IFFCO Tokio Comprehensive Car Insurance Policy |
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 | National Comprehensive Car Insurance Policy |
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 | New India Comprehensive Car Insurance Policy |
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 | Acko Comprehensive Car Insurance Policy |
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 | Sbi Comprehensive Car Insurance Policy |
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 | Tata AIG Comprehensive Car Insurance Policy |
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Frequently Asked Question
Comprehensive car insurance is an insurance plan offering all-inclusive coverage to your car that includes third party coverage and own car damage coverage. With a comprehensive plan, policyholders can buy add-on covers to widen the coverage available under the plan, which makes the policy expensive. However, it is one of the most recommended plans for car insurance.
One major difference between third-party insurance and comprehensive insurance is regarding the coverage offered. A comprehensive plan offers multiple protection, while a third-party cover is limited to offering protection against the claims of third party liabilities.
Comprehensive car insurance is an insurance plan offering all-inclusive coverage to your car that includes third party coverage and own car damage coverage. Is comprehensive insurance full coverage?
To choose comprehensive car insurance, you must compare the plans well on the basis of sum insured, coverage, exclusions, add-ons allowed, claim settlement process, and so on. Select a cost-effective plan.
Yes, it is worth getting comprehensive car insurance because it offers extensive coverage. Also, if your car is new and expensive, it is recommended to buy comprehensive insurance coverage.
Many insurance companies offer coverage against any losses or damages caused by an animal under Comprehensive car insurance policy.
