Comprehensive Car Insurance
Comprehensive Car Insurance is an all-inclusive policy that covers both third-party liabilities and own vehicle damages. It provides financial protection against accidents, theft, natural disasters, fire, vandalism, and more. Unlike third-party insurance, which only covers damages to others, comprehensive insurance ensures your vehicle is also protected.
Coverage of Comprehensive Car Insurance
- Accidental DamageCovers repair costs if your car is damaged in an accident.
- Third-Party LiabilitiesPays for injury or property damage caused to others.
- Theft & BurglaryCompensation if your car is stolen or parts are stolen.
- Fire & ExplosionCovers damages due to fire, lightning, or explosions.
- Natural DisastersProtection from floods, earthquakes, storms, cyclones, etc.
- Man-Made DisastersCovers riots, vandalism, strikes, and terrorist activities.
- Damage During TransitProtection if your car is damaged during transport by road, rail, or water.
Exclusions (What Comprehensive Insurance Does NOT Cover?)
- Driving Without a License No coverage if the driver is unlicensed.
- Drunk Driving or Drug Influence Claims are denied if intoxicated.
- Regular Wear and Tear Mechanical failures and aging-related damages are not covered.
- Intentional Damage or Fraud No coverage if damage is caused deliberately.
- Accidents Outside Policy Coverage Damage occurring after the policy expires is not covered.
Add-On Covers Available with Comprehensive Insurance
- Zero Depreciation Cover Ensures full claim amount without depreciation deductions.
- Roadside Assistance Emergency support for breakdowns, towing, fuel refills, etc.
- Engine Protection Cover Covers damage due to waterlogging, oil leaks, or mechanical failures.
- Personal Accident Cover Compensation for medical expenses, disability, or death of the driver/passengers.
- No-Claim Bonus (NCB) Protection Retains NCB benefits even after making a claim.
Who Should Buy Comprehensive Insurance?
- New & Expensive Car Owners High repair costs make coverage essential.
- Frequent Drivers More driving means higher accident risk.
- Residents in Risky Areas If you live in flood-prone or theft-prone regions.
- Owners Seeking Complete Protection Covers almost all possible risks.
