Comprehensive Car Insurance

Comprehensive car insurance provides complete coverage for your vehicle, including protection against third-party damages and your own car's damages. This type of plan allows you to add extra coverage options, making it more expensive but highly recommended. It covers both your car and any third-party liabilities, making it ideal for private car owners. In case of an accident, you can claim for both third-party damages and your own car's damages.

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Highlights of Comprehensive Car Insurance

Covers damages from accident, fire, theft, natural disasters and riots

Covers costs for third-party and own car damages.

Includes third party liability coverage

Allow add-ons such as zero depreciation, engine protector and accessories cover

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Comprehensive Car Insurance Everything Everything You Need to Know9

Key Benefits and Features of Comprehensive Car Insurance Policy in India

Here are some key features and benefits of a comprehensive car insurance policy:

Third-party liabilities

Covers damages caused to third parties in accidents due to your car.

Own damage compensations

Covers damages to your car from accidents, natural and man-made disasters like floods, riots, and vandalism.

Personal Accident Cover

Provides compensation for the driver in case of disability caused by injuries or demise due to an accident, benefiting the driver's family.

Own damage and third-party coverage

Includes both third-party and own damage coverage, so you don't need a separate third-party plan.

Add-on covers

Offers additional benefits like zero-depreciation, engine protection, lock and key replacement, and no-claim bonus protection.

Network garages for cashless claims

Allows cashless repairs at network garages across India.

No-claim bonus coverage

Provides a discount on your premium if you haven't made any claims in the previous year.

Comprehensive Car Insurance Plan - Inclusions and Exclusion

Comprehensive Car Insurance Plan - Inclusions

Below are some common inclusions of a comprehensive car insurance plan:

Natural calamities - Covers damages from natural disasters like floods, earthquakes, and hailstorms.

Man-made disasters – Covers damages from events like riots, strikes, vandalism, and terrorism.

Third-party liabilities - Covers damages to third-party vehicles, injuries to third parties, and third-party deaths or disabilities.

Coverage against car theft – Covers loss or damage due to car theft.

Coverage against fire – Covers losses from fire, self-ignition, or explosions.

Accidental damages – Covers damages from accidents.

Comprehensive Car Insurance Plan – Exclusions

Expired policy: No coverage if the policy has expired and is not renewed.

Intoxicated driving: No coverage if the driver is under the influence of alcohol or drugs.

Valid license: No coverage if the driver lacks a valid driving license.

Wear and tear: No coverage for damages due to regular wear and tear.

Nuclear weapons/civil war: No coverage for damages from nuclear weapons or civil war.

How to Select the Best Comprehensive Car Insurance in India

Compare policies

Research and compare different plans from various insurance companies online to find the best coverage and benefits for your vehicle.

Claim settlement ratio

Choose an insurer with a high claim settlement ratio to ensure better and faster claim settlements.

Network garages

Opt for an insurer that offers access to many network garages for easy cashless claims.

Add-on covers

Select a policy with add-ons like roadside assistance, zero depreciation, and consumable cover to enhance your coverage.

No-claim bonus

Look for a policy that offers a no-claim bonus, which can give you a 20-50% discount on your premium if you don't make any claims during the policy year.

Factors Affecting the Comprehensive Car Insurance Premium

Various factors affect comprehensive car insurance premiums as mentioned below:

Add-ons

Common additional covers like zero-depreciation, roadside assistance, and consumable cover that you include can increase the premium amount.

Geographical location where the car is registered

The RTO location where the car is registered affects the premium. Areas with higher theft and accident rates have higher premiums.

Anti-theft device

Installing anti-theft devices can lower your premium as they reduce the risk of theft.

Car variant, make, and model

Luxury or top-variant cars have higher premiums compared to regular cars.

Comprehensive Car Insurance Claim Procedures

Below the are steps to raise a cashless comprehensive car insurance claim:

Step 1

Notify your insurer immediately after an accident or damage.

Step 2

Take your car to an authorized network garage for repairs.

Step 3

Submit required documents (claim form, driving license, insurance policy copy, registration certificate) to the insurer.

Step 4

Get a repair cost estimate from the garage and inform the insurer.

Step 5

An insurance surveyor may be appointed to evaluate the damage.

Step 6

Once the claim is approved, repair work begins, and the insurer settles the expenses directly with the garage.

Step 7

Pay any claim deductibles as per your policy terms.

Step 8

Pick up your repaired car from the network garage after the claim is settled.

Step 1

Notify your insurer immediately after an accident or damage.

Step 2

Take your car to an authorized network garage for repairs.

Step 3

Submit required documents (claim form, driving license, insurance policy copy, registration certificate) to the insurer.

Step 4

Get a repair cost estimate from the garage and inform the insurer.

Step 5

An insurance surveyor may be appointed to evaluate the damage.

Step 6

Once the claim is approved, repair work begins, and the insurer settles the expenses directly with the garage.

Step 7

Pay any claim deductibles as per your policy terms.

Step 8

Pick up your repaired car from the network garage after the claim is settled.

Below the are steps to raise a reimbursement comprehensive car insurance claim:

Step 1

First, you need to notify the insurer immediately after encountering an accident or damage

Step 2

Take your vehicle to the nearest garage/workshop for repair

Step 3

Next, get a cost estimation of the repair work from the garage

Step 4

Submit the required documents like a claim form, driving license, copy of your insurance policy, registration certificate, etc.

Step 5

The insurance company may appoint a surveyor to review the claim and conduct a survey on their behalf for an efficient evaluation of the damage

Step 6

Once the claim is approved, you can proceed with the necessary repairs at the garage

Step 1

First, you need to notify the insurer immediately after encountering an accident or damage

Step 2

Take your vehicle to the nearest garage/workshop for repair

Step 3

Next, get a cost estimation of the repair work from the garage

Step 4

Submit the required documents like a claim form, driving license, copy of your insurance policy, registration certificate, etc.

Step 5

The insurance company may appoint a surveyor to review the claim and conduct a survey on their behalf for an efficient evaluation of the damage

Step 6

Once the claim is approved, you can proceed with the necessary repairs at the garage

Documents for Claiming Comprehensive Car Insurance

Copy of vehicle insurance policy

Copy of driving license (DL)

Copy of your duly signed claim form

Repair bill (Original)

Registration Certificate (RC) copy of the vehicle

FIR (Only in case of theft, injury/damage to third-party, or highway accidents)

Proof of release and cash receipt

Ask Anything as We Have Answers to Everything in Insurance

Comprehensive car insurance provides all-inclusive coverage for your car, including third-party and own car damage coverage. Policyholders can also buy add-ons for extra coverage, making the policy more expensive but highly recommended.

The main difference is the coverage offered. Comprehensive insurance provides multiple protections, including third-party and own car damage, while third-party insurance only covers third-party liabilities.

Comprehensive car insurance offers all-inclusive coverage, including third-party and own car damage coverage. It is often considered full coverage.

To choose comprehensive car insurance, compare plans that are cost-effective, based on sum insured, coverage, exclusions, allowed add-ons, and the claim settlement process.

Yes, comprehensive car insurance is worth it because it offers extensive coverage. It is especially recommended for new and expensive cars.

Many insurers offer coverage for losses or damages caused by animals under comprehensive car insurance policy.