Difference Between Comprehensive Insurance & Bumper-to-Bumper Car Insurance

Car is an important asset for every individual because it not only holds huge monetary value but also comes with emotional attachment. With that in mind, you'd wish to protect your car with the help of insurance against the eventuality.

Read more

Stay home & renew car insurance in 2 minutes

No documents required
Get Car Insurance starting at only
Other options
Get Car Insurance starting
@ only 2072/year*
  • Save up to 85%* Lowest Car Premiums

  • 20+ Insurers To Choose From

  • 51 Lakh+ vehicles insured

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

You might be pretty much familiar with third-party car insurance and comprehensive car insurance. However, you also have a third option to insure your car with Bumper-to-Bumper car insurance. Let us understand more about bumper to bumper alongside the comparison with comprehensive car insurance.

Comprehensive Car Insurance Plan

A Comprehensive Car Insurance Policy is the most popular and preferred car insurance plan in India. It is because along with the mandatory protection towards third party liability it also provides coverage for the insured car against any damage/loss.  

You have an option to even enhance the overall coverage by buying necessary add-on covers to your base plan. The most common add-on covers are personal accident cover for passengers, NCB protection cover, Engine protect cover, etc.

Bumper-to-Bumper Car Insurance

A Bumper-to-Bumper vehicle insurance plan is widely available for all car owners in India. It provides a broader coverage as compared to the basic comprehensive insurance policy. It is most commonly known as 'nil depreciation cover' or 'zero depreciation cover'. 

This comes as an add-on cover with the comprehensive plan and at the time of claim settlement you will not have to bear the depreciation cost 

Comprehensive vs. Bumper-to-Bumper

The usual wear and tear of a four-wheeler is not covered under a comprehensive car insurance policy. Therefore, at the time of claim settlement, the insurer may not be able to compensate for the full damage of the car. The insurer is bound to deduct the depreciation of the car parts from the settlement amount.

However, with a bumper-to-bumper, a 100% claim can be settled as it covered even the small parts of the car such as fiber, rubber, metal, etc. It nullifies the deductions pertaining to the depreciation at the time of claim.



Bumper – to – Bumper

Premium Amount

Premium is higher than the third party car insurance

Premium is higher than the comprehensive car insurance

Type of Car



No. of Claims

There is no limit

Unlimited claims are allowed

Theft Protection




Depreciation of parts is considered

Depreciation of parts is considered

Age of Car

Up to 15 years

Up to 5 years

Airbags (in case of accidents)



Compensation for Plastic parts/metal Components

Covered but the depreciation rates are applicable

Covered and the depreciation rates are not applicable

When is it best to Buy Bumper-to-Bumper Insurance?

Following are the cases when you can choose Bumper-to-Bumper Car Insurance over Comprehensive Insurance:

  • When you buy a brand new car
  • When you require the total coverage for the repair costs 
  • When you own a luxury or premium category vehicle
  • When you are concerned about even the minor dents in your car
  • When you have just started to learn driving
  • In case if your car parts are expensive
  • When you live in an accident-prone area

Who Should Buy a Comprehensive Insurance Policy?

If you want higher coverage for your car as compared to the third-party mandatory plan, you should go for a comprehensive insurance plan. It provides the best financial security against unforeseen damage to your vehicle.

Following are the factors that make it a must to buy a comprehensive car plan:

  • Covers both third party as well as own car damage caused due to an accident
  • Covers damages caused due to natural calamities such as cyclones, floods, storms, etc.
  • Provides settlement in case of theft
  • Covers damages caused due to man-made calamities such as vandalism, riots, etc.
  • Covers damages caused due to fire or explosion
  • Provides settlement for the damages that are beyond repair 


Both comprehensive car insurance plan bumper to bumper insurance provides benefits. It is just bumper to bumper plan that enhances the overall coverage to protect the vehicle. It is advisable for you to determine your immediate needs and future requirements before buying and customizing a car insurance plan.

Written By: PolicyBazaar - Updated: 10 August 2021
You May Also Like
  • Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming increasingly common for people to purchase second-hand...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
Car insurance save up to 85
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices

Why buy from Policybazaar?

  • 24x7 Claims Assistance
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
How to Prevent Reliance Car Insurance Claim Rejection?

24 Jan 2022

No one would ever want to get their car insurance claims rejected...
Read more
Types of Car Insurance Provided by Kotak Mahindra General Insurance

21 Jan 2022

Having valid motor insurance is a mandatory requirement for every...
Read more
Tips to Reduce Your Tata AIG Car Insurance Premium

19 Jan 2022

Planning to buy a Tata AIG car insurance policy but worried about...
Read more
Popular Inclusions and Exclusions in a Motor Insurance Policy

19 Jan 2022

Apart from being a mandatory purchase, a motor insurance policy is...
Read more
8 Mistakes to Avoid While Buying a New India Assurance Car Insurance Policy

17 Jan 2022

When it comes to choosing four-wheeler insurance, we blindly trust...
Read more
Transferring Car Insurance from One Person to Another
In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Insurance offers much-needed financial protection in case of a crisis. When vehicle insurance is mandatory in India...
Read more
How to Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Car Depreciation Calculator In India
Car depreciation is the difference in the value of a car between the time you purchase and when you sell it. In...
Read more
Multiple Ways To Check Your Car Insurance Status Online
Keeping a check on your car insurance policy is as important as purchasing a comprehensive insurance policy for...
Read more