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Comprehensive Car Insurance

If you are a car owner, it is important that you understand the seriousness of having a secured travel experience. This security, be it financial or legal, comes with car insurance. A car insurance is a type of motor insurance that safeguards you at the time of need. There are three types of car insurance - third party car insurance, stand alone own damage and comprehensive car insurance. In this page, we are focusing on comprehensive car insurance, its key features, premium rates, inclusions and exclusions, documents required to buy comprehensive car insurance, add ons, InsuranceDekho’s recommendation car insurance to buy, renewal details, claim process and some frequently asked questions. Once you are through these details, it will help you in making a sound decision about whether this is the right insurance for you.

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What is Comprehensive Car Insurance?

Comprehensive car insurance is a type of car insurance which gives you the benefits of both third party liability and stand alone own damage car insurance. A comprehensive car insurance gives complete coverage to your car - both financial and legal. It gives you coverage for your vehicle like coverage for damage due to fire, vandalism, natural or man made disaster, damage in an accident or loss of vehicle due to natural or man made disaster, theft or burglary. It also protects you from any legal or financial liability arising due to an accident involving a third party like injury to a third party person or damage to a third party’s property including vehicle.

Key Features of Comprehensive Car Insurance

Here are some of the key features of comprehensive car insurance:

Features

Coverage Under Comprehensive Car Insurance

Third Party Liability Insurance

Yes

Stand Alone Own Damage Insurance

Yes

Personal Accident Cover

Yes

Options to Choose Add Ons

Yes

No Claim Bonus (NCB)

Yes, %age depends on insurer to insurer

Cashless Repairs

Yes

Cashless Garages

Yes, number depends on insurer to insurer

Renewal of Insurance Online

Yes

Comprehensive Car Insurance Premium Rates [2024]

There are different ways of calculating the comprehensive car insurance premium price: based on vehicle type, your age, gender and based on car fuel type. The details for all are listed below:

Comprehensive Car Insurance Premium Based on Your Car Type

Car Type

Comprehensive Insurance Cost

Sedan

₹10,000 - ₹20,000

Hatchback

₹7,000 - ₹15000

SUVs

₹15,000 - ₹30,000

Luxury Cars

₹10,000 - ₹25,000

Comprehensive Car Insurance Premium Based on Your Age Group

Age Group

Average Annual Car Insurance Rates

25-40 years

₹ 2,500 - ₹ 6,300

40-44 years

₹ 3,000 - ₹ 7,400

45-50 years

₹ 3,300 - ₹ 8,500

Comprehensive Car Insurance Premium Based on Your Gender:

Gender

Comprehensive Coverage

Male Drivers

₹ 17,000 - ₹30,000

Female Drivers

₹ 8,000 - 18,000

Comprehensive Car Insurance Premium Based on Your Car’s Fuel Type

  • Petrol: ₹15,000 - ₹25,000 per annum
  • Diesel: ₹17,000 - ₹28,000 per annum
  • Electric: ₹18,000 - ₹30,000 per annum

Note: the premium price for comprehensive car insurance will also vary depending on your geographical location. Metro cities have a higher premium price as compared to taking insurance in non-metro cities and towns.

Benefits of Comprehensive Car Insurance

  1. Covers you against legal and financial liabilities arising due to a third party
  2. Covers you for any damage arising to your vehicle
  3. Gives personal accident cover
  4. Protects your car from natural and man made disasters
  5. Protects your car from fire

What is Covered and Not Covered in Comprehensive Car Insurance?

Here’s a table listing the inclusions and exclusions of comprehensive car insurance:

Inclusions Under Comprehensive Car Insurance

Exclusions Under Comprehensive Car Insurance

Third Party Bodily Injury

Accident Under The Influence of Alcohol

Third Party Death

Accident Under The Influence of Drugs

Personal Accident Cover

Accident While Driving Without a Driving Licence

Damage or Loss to Own Vehicle Due to Natural Disaster

Accidents While Driving With an Expired or Invalid Driving Licence

Damage or Loss to Own Vehicle Due to Man Made Disaster

Accidents While Driving With a Learners’ Licence Without An Adult With a Valid Driving Licence to Assist

Damage or Loss of Personal Belongings in The Car

Claim Made on a Policy That Has Expired or Lapsed

Damage or Loss of Vehicle Due to Vandalism

Damage Done or Accident Outside Your Stated Geographical Location

Damage or Loss of Vehicle Due to Fire

Mechanical or Electrical Damage

Vehicle Theft or Burglary

Wear and Tear

How to Buy Comprehensive Car Insurance from InsuranceDekho?

In order to buy comprehensive car insurance from InsuranceDekho, follow the simple steps mentioned below for both online and offline.

Buying Comprehensive Car Insurance Online with InsuranceDekho

Follow these steps mentioned below to buy a comprehensive car insurance online with InsuranceDekho:

Step 1: Enter Your Car Registration Number

Visit the car insurance home page on InsuranceDekho website. Fill the form you will find on the page as soon as you land. In case you are buying comprehensive car insurance for a brand new car, click on the prompt right below the car registration form prompt “brand new car.” Enter your car registration number and click on continue.

Note: In case you have selected the prompt “brand new car,” you will have to choose your car brand, model, fuel type, engine configuration, model year and city of purchase.

Step 2: Select A Suitable Plan

Now, a list of plans will be displayed in front of you. Once you have selected a suitable plan click on “Price”, you will be able to move to the next step now.

Step 3: Verify Details & Make Payment

Now verify owner and vehicle details and make payment.

Step 4: Download Policy Document

You will now be able to download your policy document from InsuranceDekho.

Offline Purchase from InsuranceDekho

In order to purchase your comprehensive car insurance from InsuranceDekho offline you can connect with one of our customer executives on call here +91-7551196989 or by emailing us at support@insurancedekho.com.

Documents Required

Listed below are all the documents that may be required for you to buy a third party car insurance:

  • Identity Proof: Documents like your Passport, Aadhaar Card, Driving Licence, Voter ID.
  • Address Proof: Documents like your Voter ID, Passport or Aadhar Card is required as proof of your address.
  • Registration Certificate (RC): Your car’s registration certificate or RC is also required
  • Passport Size Photograph: Two recent passport size photographs will also be required.
  • Previous Policy Number: In some cases, you will also be required to present your old car insurance policy number for reference.

Add Ons for Comprehensive Car Insurance

Here are the list of Car Insurance Add ons that can be combined with your comprehensive car insurance policy:

  • Zero Depreciation Cover: Zero depreciation cover locks the price of your car and does not let its depreciating value impact you. When you have this cover you are assured to get the right price while selling your car.
  • Engine Protection Cover: With this cover, you will be able to protect your car’s engine and is a must have with comprehensive cover.
  • No Claim Bonus Protection Cover: A no claim bonus protection cover or NCB cover keeps your no claim bonus benefits intact even after you have made a claim.
  • Roadside Assistance Cover: With this cover, you will be able to get 24*7 assistance from your insurer in case your car malfunctions or stops in the middle of the road.
  • Return to Invoice Cover: In case of total loss of car or theft, your insurer pays you the difference between your Insured Declared Value (IDV) and the invoice value. This cover ensures that you do not have a huge bill to pay in case your car is lost or entirely damaged.
  • Daily Allowance Cover: This cover helps you get a daily allowance price for your travel through cabs or autos when your car is in the garage for repair.
  • Passenger Cover: When you take this cover you will also get the coverage for additional passengers sitting in the car with you. This cover protects them in case your car is in an accident.
  • Consumables Cover: With this cover you will be able to protect your car’s nut, bolt, brake oil, engine oil, lubricant etc.
  • Tyre Protect Cover: A tyre protect cover gives your tyres coverage in case of damage, loss or theft. Note that this is not applicable when your tyre goes through normal wear and tear.
  • Key Replacement Cover: When you buy a key replacement cover, you get coverage in case your key is lost, damaged or irreparable. This is especially recommended for people buying cars above INR 10 lakhs and premium or luxury cars.
  • Loss Of Personal Belongings Cover: In case your personal belongings like laptop, tools, documents get lost, this cover helps you get up to 50% of the cost for the same.
  • Windshield Cover: When your windshield gets damaged or lost in an accident, your insurer gives you coverage for the same.
  • Aggravation Damage Cover: When driving in the rain, your car can get impacted badly which can end up damaging your car’s engine, gear box, transmission or differentials. This can also damage your power steering and internal parts due to leakage of lubricant or oil coolant. With aggravation damage cover, your car will be protected from any such damage and their cost of repair or replacement.
  • VPAY: VPAY is an industry game changer add on that offers a 360 degree coverage and protection to your car for stand alone own damage needs. When you take this cover, you don’t have to worry about any part of your car. Note that this cover is offered by Bajaj Allianz Car Insurance Only.
  • EMI Protection Cover: When your car is under extended repair period, this add on provides coverage for your car loan EMIs. This cover is offered by Reliance Car Insurance Only.
  • RIM Protection: This cover comes into picture when you need to repair or replace your car’s rim.
  • Geo Extension: For frequent travellers who love to be on the road, a geo extension cover is highly recommended. With this cover you get protection even outside your geographical boundaries.
  • Electrical Accessories Protection: With this add on be stress free about your electrical gadgets installed in the car as this is covered by your insurer in case a repair or replacement is required. This also covers theft related expenses of your electrical accessories.
  • Non Electrical Accessories: With this cover you get repair and replacement cost for non-electrical accessories of your car.
  • Emergency Hotel Accommodation: In case your vehicle has a breakdown in the middle of the night or while travelling longer distances, this add on gives you emergency hotel accommodation cover.
  • Electric Vehicle Battery Protection: This add on gives your EV vehicle’s battery full protection if you have an electric car.
  • Electric Motor Protect: If you have an EV, this add on covers the electric motor of your car.
  • Electric Vehicle Charger: In case your EV’s charging unit gets damaged or stolen, this add on will provide protection against that.

How To Renew Your Comprehensive Car Insurance?

In order to renew your Four Wheeler comprehensive insurance you must:

Step 1: Visit InsuranceDekho website

Visit the car insurance main page on InsuranceDekho’s website. Select Renew Policy from the header menu.

Step 2: Enter Mobile Number to Verify Details

Enter your mobile number in the pop up and tap on “Continue.” Verify your number through the OTP you receive.

Step 3: Select Your Policy and Review Details

From the list of all your open policies, select your comprehensive car insurance policy. Review your policy before renewing, make changes if required and then proceed.

Step 4: Make Payment

Choose your preferred payment method like UPI, net banking, credit or debit card and make the payment.

Congratulations, your policy is now renewed.

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Factors that Affect Your Comprehensive Car Insurance Premium in 2024

  • Age of Your Car: The age of your vehicle is the biggest determinant of the price of your car insurance premium. As the age increases, the premium price also increases since older vehicles tend to be more risky and damaged as compared to newer ones.
  • Make, Model, Variant of Your Car: The brand, model and variant type of your car also impacts the premium of your comprehensive car insurance.
  • Type of Engine: Depending on the engine type or cubic capacity (cc) of your car, your insurance premium can change.
  • Price of Your Car: Depending on the price of your car, your premium price will also change. A high end or premium car will have a higher premium than an economical car.
  • New or Pre-owned Car: Depending on whether your car is pre-owner or new, your car’s premium will change. Usually the premium of your new car will be cheaper than that of an old car as old cars are considered to be high risk cars.
  • Your Age: Whether you are a young adult, middle aged person or a senior citizen the price of your car premium will change. Price of premium for car insurance for young adults tends to be higher since they are considered risky on the road.
  • Gender: Your gender also influences your premium rate, since men are more likely to indulge in risky driving, car insurance premium price for men are higher than that for women of the same age.
  • Deductibles: Deductibles are the amount that you agree with your insurer to pay out of your pocket for any cost incurred. Since this brings down the load on your insurer, this helps lower your premium price.
  • Add Ons Taken: The total number of add ons you take will also have an impact on your insurance premium since add ons come at an additional cost.
  • Driving History: Your driving history - the number of times you have broken traffic rules or been in an accident also impacts your car insurance premium price.
  • Credit History: Depending on how your credit history is, how many payments have you been unsuccessful in paying off and the number of loans you have may also negatively impact your car insurance premium price.
  • Premium Payment History: The history of lapse in your insurance premium in the past or your overall track record will also impact your insurance premium.
  • Claim History: The number of claims you have made in the past also influences your premium price. It is important to note that you must not make claims for tiny or small issues/ repairs.
  • No Claim Bonus: Your no claim bonus or NCB impacts your premium price positively as the bonus gets subtracted from the overall premium bringing the cost down.
  • Security System Installed: The more secure your car is the lesser will be the premium. If you have installed a better and high quality security system, it will ensure your car is safer. Hence it will bring down the premium cost.

How To Claim Comprehensive Car Insurance?

Below are the conditions under which a third-party claim can be raised:

  • Hospitalisation expenses
  • Third-Party Demise
  • Third-Party Property/ Vehicle Damage
  • Own vehicle loss
  • Own vehicle damage or repair

In case a third party is involved:

Step 1 - Register a Complaint or File an FIR

File a First Information Report (FIR) at the nearest police station. Collect a copy of the FIR's charge sheet for future reference. Do make sure you document all the damages and click pictures and take video of the accident.

Step 2 - Notify Your Insurer

Inform your insurance company about the accident and provide them with all the necessary details as soon as possible.

Step 3 - Proceed to the Motor Accident Claims Tribunal (MACT)

Cases of road accidents and mishaps are handled by the Motor Accident Claims Tribunal (MACT). After the FIR is filed and the surveyor has checked the evidence, the case is transferred to the MACT, which is a specialised court responsible for handling road accident cases and deciding on compensation.

Step 4 - File a Case at the Tribunal

The MACT will review the case filed by the third party and decide on the compensation based on the nature of the accident and the extent of damages.

Step 5 - Hospitalisation Expenses and Third-Party Demise

In case the third party is hospitalised or dies in the accident, you can claim compensation for the same. The dependents of the deceased can file for compensation and based on their income and age, the compensation will be provided to the third party.

Difference between Comprehensive and Third Party Car Insurance

Features

Third Party Car Insurance

Comprehensive Car Insurance

Damages due to Natural disasters like Floods, Earthquakes, etc.

Damages due to theft or vandalism and other man made disasters

Add On Covers - Zero Depreciation, Roadside Assistance, Consumables Protect, etc

Car Value Customization

Personal Accident Insurance Cover

Damages due to Fire

Injury to the Third party

Damage to the Third party

InsuranceDekho Recommendation on Car Insurance Type Based on Vehicle Age

Vehicle Age

Plan Type

Recommended Add-ons

0 Years (New Vehicle)

1 year Standalone Own Damage (SAOD) + 3 Years Third-party Damage

RTI + Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

1-3 Years

Standalone Own Damage (SAOD)

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

4-5 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect

6-7 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance

8-10 Years

Comprehensive Plan

Basic Plan

More than 10 Years

Third Party Plan

No add-ons

Comprehensive Car Insurance

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Find Right Car Insurance Quotes by Cars Body Type

  • SUV
  • Hatchback
  • Sedan
  • MUV

Learn about Comprehensive Car Insurance

Car Insurance Companies Reviews & Ratings

What users are saying
  • Fire Damage Claim

    A short circuit in my car's wiring lit a small fire which damaged the dashboard till some extent. Bajaj Allianz was my insurer and handled the claim process ideally. My car was repaired at a cashless garage and I just had to pay the pre-agreed deductibles and rest was covered with my car insurance. The quality of repair was excellent, and I didn't face any out-of-pocket expenses. InsuranceDekho's suggestion to go with Bajaj Allianz for comprehensive coverage proved beneficial to me.

    C
    Bajaj Allianz car Insurance
    By Charlie Daniels
    On: 12th July, 2024
  • Theft Recovery

    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

    G
    Digit car Insurance
    By Gulfisha Ahmed
    On: 12th July, 2024
  • Flood Damage Repair

    My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim was approved after a smooth process and my car was repaired at a cashless garage. I have no complaints with the services provided by Acko. Although the condition of my car before repairing was really bad, Acko claim settlement process returned my car in 4 days and it looks brand new now. Thanks to InsuranceDekho for suggesting Acko for their reliable services.

    N
    Acko car Insurance
    By Nilutpal Das
    On: 12th July, 2024
  • Accident Claim Settlement

    I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.

    A
    Hdfc Ergo car Insurance
    By Arundhati Raj Gupta
    On: 2nd July, 2024
  • Smooth Third-Party Accident Cl...

    Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICICI Lombard, who was my insurer. They handled the whole case from start to end and settled the third-party claim efficiently. I’m thankful for their support during this stressful time and I'm glad that I sought advice from InsuranceDekho while selecting ICICI Lombard as my insurer.

    P
    Icici Lombard car Insurance
    By Padmashree Saini
    On: 2nd July, 2024

FAQs About Comprehensive Car Insurance

  • What is comprehensive car insurance?

    A comprehensive car insurance is a type of policy that provides financial protection against the liabilities that you may incur towards a third party. This plan also provides coverage for own-damages sustained by your own car arising due to an unforeseen incident.

  • How to choose comprehensive car insurance?

    Comprehensive car insurance must be selected by considering various factors such as coverage offered, insurance company's strength of network garages, cash settlement ratio, claim process etc.

  • Is it worth getting comprehensive car insurance?

    Yes, it is beneficial to opt for this car insurance as it offers a dual coverage of standalone own-damage as well as third party cover. To know more about comprehensive car insurance click here.

  • Is there any coverage for animal damage under a comprehensive car insurance plan?

    Yes. For this, you are required to inform your insurance company as soon as possible after detecting the damage to your car due to an animal. The insurer would send a surveyor to assess whether the damages sustained by your car were because of an animal attack. Thereafter, the claim procedure would take place as usual.

  • Why is it important to purchase a comprehensive car insurance plan for my old car?

    This insurance plan offers coverage against a variety of risks including windshield damage, fire, natural calamities, accidents, etc, that are beyond one’s control. Irrespective of the car being new or old, these damages can cost you the same for repair work. Therefore, it is recommended to get your car protected with a comprehensive car insurance plan, especially if you use your car oftenly.

  • What is a comprehensive car insurance plan?

    A comprehensive car insurance plan is a kind of motor insurance plan that offers protection to the policyholder against both own damage and third party liability.

  • Which insurance is better for a car - comprehensive insurance or third party car insurance plan?

    A comprehensive car insurance is better than a third party plan as it offers wider coverage.

  • What is the difference between comprehensive insurance and 3rd party car insurance?

    Comprehensive car insurance policy is not a mandatory policy whereas third party car insurance is a compulsory cover. Another difference between them is that the comprehensive cover offers coverage for third party liabilities as well as own-damages of your car, whereas third party plan only covers the liabilities related to third party.

  • Can I shift my car insurance plan from a third party liability plan to a comprehensive car insurance plan?

    Yes, if you are buying a comprehensive insurance plan from the same insurer, in such a case, you can contact your insurance provider and request them to switch your insurance plan from third party liability insurance to comprehensive insurance plan. Before the change in insurance plan gets implemented, the insurance company may send a surveyor to inspect your car.

      Moreover, it is also feasible to shift between the insurance companies. Here, you are required to intimate your existing insurer regarding your intention to switch at least a month before. This would help in enabling a seamless transfer without causing any gap in insurance.

  • Is Comprehensive Car Coverage Full Coverage?

    A comprehensive car insurance policy can provide maximum coverage to your car. Especially when you customise the policy by adding a suitable add-on to the policy. This policy covers damage to the car due to accidents, car theft, losses to a third party, damage to the car due to natural damages, personal injuries or death caused in an accident, damages caused in a fire. Comprehensive car coverage is full coverage.

  • Is it Worth Getting Fully Comprehensive Car insurance?

    A comprehensive car insurance policy can be a blessing for all car owners as it provides monetary help on repair or replacement expenses of your car in case of accidents or damage to your own car. This policy saves your money, provides coverage to your car and covers you legally as it already provides cover for third-party damages. It is safe to say that it is worth it to have a fully comprehensive car insurance policy.

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