Know About Full-Coverage Car Insurance

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Car Insurance

You must have read or heard about the term “Full Coverage Car Insurance” while looking for an insurance policy for your four-wheeler. This term may sound confusing, but it simply means an insurance policy that offers both liability and damage coverage to your car. Let us understand more about Full coverage insurance further in the article.

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      What does “Full Coverage” Car Insurance Mean?

      Full Coverage car insurance is another term for a package or comprehensive car insurance. This car insurance policy offers compensation in case of third party liabilities and own damages caused to the insured car.

      Third-Party liabilities include death or disability of the third person and third-party property damage. Own damage coverage includes damages or losses arising from unfortunate events like accidents, natural calamities, theft, fire, manmade acts, etc. Thus, a full-coverage car insurance includes both these types of coverage for your car.

      So, while buying car insurance, if you come across this term, keep in mind that it's a comprehensive insurance policy only and nothing else.

      What is Covered Under Full-Coverage Car Insurance?

      Though full coverage or comprehensive car insurance is not mandatory, it offers wide coverage to the insured vehicle. Take a look at the coverage offered under this type of motor insurance policy:

      • Death or disability of a third person due to the insured four-wheeler
      • Accidental damage of the third-party property
      • Total or partial loss of the insured vehicle due to fire and theft
      • Coverage will be offered under damages due to natural causes like earthquakes, etc. and
      • Manmade acts like riots, strikes, etc.
      • Damages caused to the insured four-wheeler while it was in transit via rail, road, water or air.

      Moreover, full-coverage car insurance can also be enhanced by purchasing add-on covers at an extra premium.

      You May Also Read: List of Top Car Insurance Add-On Covers

      How much does “Full Coverage” Insurance cost?

      The cost of full coverage car insurance depends on the coverage, plus other factors such as model, variant, any additional cover, engine capacity and RTO of your car.

      Moreover, different insurers charge different premiums based on the factors mentioned above.

      Therefore, it is best to compare car insurance plans online on an aggregator website like and choose the plan that best fits your needs and budget.

      In addition, if you want to get an estimated premium before purchasing a motor insurance policy, you can also use the Car Insurance Premium Calculator.

      Finding the Right Insurance Coverage for Your Car

      Now that you know about full-coverage car insurance, you must also make sure to choose the right insurance policy for your car. Finding the right car insurance requires you to understand about types of coverage offered and compare those coverage with your requirements.

      For instance, if you only need to cover third party damages, you can only buy third party car insurance, which carries a nominal premium. However, if you want an extensive cover, you must invest in a full-coverage or comprehensive car insurance plan.

      Thus, make sure to understand your requirements and your car’s requirements, compare and then choose a car policy for your four-wheeler.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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