Importance and Benefits of Comprehensive Car Insurance Policy

Get Car Insurance starting at only ₹2,094/year #

Having third-party car insurance is mandatory as per the motor laws. However, this policy is not enough to cover your car from any own damage. For instance, if your car catches fire, a TP policy would not suffice. Thus, it is recommended to opt for a comprehensive plan. Here is how having comprehensive car insurance can be beneficial for you and your car.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 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.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      The Need for Comprehensive Car Insurance

      Importance and Benefits of Comprehensive Car Insurance Policy

      The third-party insurance covers third-party damages caused by your car which isnt sufficient to protect your vehicle completely as it does not cover damages to the insured's vehicle, natural calamities, or thefts. Also, one should note that vehicles are machines, and quite expensive at that one. Thus, it's crucial to protect your property and yourself from the costly consequence of accidents, whether it's a little scratch caused by a careless motorcycle rider, an unexpected accident on the highway, or a robbery. As a result, getting the correct insurance policy, such as comprehensive car insurance, is essential for complete financial protection and would be the right choice in the event of any unforeseen occurrence.

      Benefits of comprehensive car insurance policy

      Comprehensive motor insurance policy provides you with a wide range of coverage options to ensure your safety. It covers many various risks including the car, its passengers, any property or valuables in your vehicle, as well as any damages caused to a third-party vehicle and its passengers.

      1. Third party liability insurance

        The comprehensive coverage protects the car owner from third-party legal liability claims in the event of an accident. As a result, if a vehicle with this coverage is involved in an accident in which a third party is hurt or killed, the insurance policy will compensate the third party/beneficiary.

      2. Own Damage Coverage

        The comprehensive car insurance plan, under this option provides adequate protection for the insured vehicle. It protects the car from natural disasters such as severe weather conditions, floods, lightning, earthquakes, and so on. It also protects the car from man-made disasters such as theft, riots. Additionally, under this cover any damage being done to the car while it's being transported is also covered.

      3. Personal accident cover

        As previously stated, vehicles are prone to accidents especially in India considering the road situation and the rash driving, which can occasionally turn into tragedies that not only ruin your vehicle but sometimes your life. A comprehensive vehicle insurance coverage will provide adequate compensation if an accident in your car leaves you with injuries or permanently disabled.

      To sum it up,

      Comprehensive motor insurance, which includes varied coverage, is a better option than the state-mandated third-party liability policy. Additionally, the peace of mind provided by this sort of insurance policy is absolutely invaluable, since it provides the highest layer of safety for your vehicle and keeps you financially protected in case of a mishap.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      Does Your Car Insurance Cover Damages By Rat Attack?

      29 Nov 2023

      Considering the population of rats in our country, it is common to
      Read more
      All You Need to Know About Standalone OD Insurance

      29 Sep 2023

      The concept of Own Damage(OD) is not a new one. For those of us
      Read more
      Your Guide to Reducing the Chances of a Rejected Motor Insurance claim

      29 Sep 2023

      Filing a motor insurance claim can be a complex process, and
      Read more
      Top things to keep in mind when Renewing Car Insurance

      29 Sep 2023

      To continue receiving coverage benefits, it's necessary to renew
      Read more
      Importance and Benefits of Comprehensive Car Insurance Policy

      20 Sep 2023

      Having third-party car insurance is mandatory as per the motor
      Read more
      Check Vehicle/Car Insurance Status Online on Parivahan Sewa, Vahan, IIB & RTO
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be
      Read more
      How to Find Car Insurance Details by Registration Number?
      As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      A comprehensive car insurance policy offers protection against third-party liabilities and own damages sustained by
      Read more

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.