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Comprehensive Car Insurance

Comprehensive car insurance is broad protection against all damages that may incur to your vehicle during mishaps. 

Comprehensive insurance is complete protection, which takes care of the indemnities to the car, Third-party legal liability, theft of the vehicle and personal accident coverage.

One needs to consider the important factors while buying Car Insurance. There are 2 main car insurance policies firstly Third -car insurance policy and secondly Comprehensive car insurance policy. 

One must understand clearly, the difference between a Third Party and Comprehensive car insurance policy before buying. Well, this article will help you to differentiate between both the policies. 

What is Comprehensive Car Insurance

Under this policy you have an option of additional covers such as accessories coverage, engine protection, zero deprecation cover, medicals however this all these additional coverages will lead the premium amount to soar up.

You should opt for comprehensive car insurance as it is an overall coverage that leaves the insured stress free. 

Comprehensive car insurance provides you coverage against the following: destruction, robbery, fire, flood, natural disaster, Third-party liability, etc. 

Without comprehensive insurance, all claims filed apart from the accident are not reckoned. 

The fundamentals which are not a part of the comprehensive car insurance are normal wear and tear, depreciation value, mechanical failure, electrical failure, damages that may be incurred by a driver without a valid driver’s license, or driving under the influence of alcohol, etc.

Comprehensive Car Insurance Policy is complete protection against and from all indemnities that may sustain your vehicle during mishaps.

Comprehensive Car Insurance Policy is known as a bundle of the shield, which upkeeps of the indemnities to the car, third-party legal liability, theft of the vehicle and personal accident coverage.

There are various fundamentals of a Third Party and Comprehensive Car insurance policy, which you need to analyze the core benefit or coverage, compare it for pricing and be smart to make the right decision. 

Third-Party Car Insurance Policy

 

Comprehensive Car Insurance Policy 

It is mandatory to have a Third-Party Car Insurance Policy as per the Motor Act of 1988

 

Comprehensive car insurance policy is optional 

The cost of Premium is lower even thou the IDV is set to the current market value

 

The cost of the premium is higher based on the current market value of the vehicle

If your car value is low, it is advisable to opt for a Third-Party Car Insurance Policy

 

Based on the car value to be more expensive it is advisable to opt for a Comprehensive policy. 

The protection is limited to legal liabilities and damages to third party which may lead to death or injuries to oneself, damage to third party or property

It has a wide scope of coverage which also includes legal liability along with coverages to the third party and own property damage

Third-Party Insurance is a sigh of relief to the car driver.

 

You can opt for additional covers such as accessories coverage, engine protection, zero deprecation cover, medicals nevertheless all add-ons will soar up the cost of the premium

You should be an owner of a car or four-wheeler be smart enough to opt for comprehensive car insurance as it provides total coverage that leaves the insured stress free. 

Why Comprehensive Car Insurance

Insurance Regulatory and Development Authority of India (IRDAI), execute motor Insurance as the foremost requirement to own any type of vehicle on the road in the country. 

 

Such Insurance protects and guards the vehicle against any sort of damages that may incur in due course of owing the vehicle. 

 

The key role of motor insurance is to safeguard the ownership rights of the vehicle against expenses, damage due to accident, fire, explosion, riots, unforeseen calamities, own damage or theft of the insured vehicle. 

 

As a law within the country, each vehicle owner needs to own a motor or vehicle insurance even before the vehicle has been taken off the shelf.

 

There are numerous aspects to be careful while buying a Car Insurance. There are 2 main car insurance policies. Firstly, Third Party car insurance policy and secondly Comprehensive car insurance policy. 

 

There is a difference between a Third Party and Comprehensive car insurance policy, one must be educated before buying. 

Benefits of Comprehensive Car Insurance

• It has a third-party liability cover
• Covers or Personal Accidents
• Covers damages to your car
• Covers against car theft and fire
• Comprehensive policy covers natural calamities
• It offers you the benefits of add-ons.

 

One seeking the peace of mind needs to opt for a Comprehensive rather than just a Third-Party insurance policy. Better the coverage, you will be at peace. 

How to Claim Car Insurance

A claim is a feature for a car policyholder. When a car owner comes across an accident the owner of the car can set a claim for the cost of repairs for the vehicle. 

 

As you are the soulful owner of the car insurance policy it is your right to claim any sort of damages that may incur your vehicle due to mishaps or accidents. 

 

 

Claims can be cashless or reimbursements. In a cashless claim, the insured does not need to pay for the repairs of the vehicle. The policy provider takes responsibility on behalf of the car owner wherein the damages should be covered under your policy.

 

In the reimbursement claim, one pays upfront the cost of the repair and depending on the terms set by the insurance company you set a claim by submitting the bills for repairs. 

When filing a cashless claim, one needs to register the claim to the insurance provider which can be done over a call to the customer number. Upon registration, you get a token or registration number. You can take your vehicle to the nearest authorized network garage. Submit your documents and the surveyor will get the rest sorted with the insurance company. 

Similarly, the reimbursement claim process you can take your vehicle to any garage, get your bills and submit it to the insurance company who will initiate the reimbursement amount depending on the coverage.