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:

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

Comprehensive Car Insurance Premium Based on Your Age Group

Comprehensive Car Insurance Premium Based on Your Gender:

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:

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.

• 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

InsuranceDekho Recommendation on Car Insurance Type Based on Vehicle Age