What is Partial & Full Car Insurance Coverage?

With the increment in the number of cars and bad condition of the roads, the car owners are becoming more prone to accidents. If you own a car then insuring your car with an insurance plan is a must. However, the government has made it mandatory to have partial car insurance also known as third-party insurance that provides cover for loss or damage caused to the third party whereas comprehensive car insurance covers own damages.  So, what is partial & full car insurance coverage. Read on to learn more about these insurance policy coverages.

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Partial & Full Car Insurance Coverage

There are two types of car insurance coverage that insurance companies provide. Partial car insurance coverage and Full car insurance coverage. Partial car insurance coverage is commonly known as liability insurance whereas full car insurance coverage is comprehensive car insurance coverage. A partial car insurance coverage is less expensive than a full car insurance coverage.

In the table below, you will understand the difference between partial and full car insurance coverage.


Partial Car Insurance

Full Car Insurance

About Insurance Policy

Partial car insurance is a standard and mandatory insurance plan. It provides cover for third-party liabilities.

Full car insurance policy is a comprehensive plan. It provides all-around coverage to the policyholder whether third-party or own damages.

What Does It Cover?

Any loss or damage caused to the third party by your vehicle in a road accident is covered.

This insurance plan provides cover for any loss or damage caused to third-party as well as your own damage. It also provides cover in case of theft as well as damage caused to your vehicle in a natural calamity.


If you accidentally hurt anyone on the road or damage their vehicle so you won’t have to pay for the damage out of pocket.

It provides cover against your own damage as well as third-party. Also, you can get the benefit of no claim bonus while renewing your insurance plan every year only if you do not raise a claim.


Does not provide cover for own car damage.

Has no limits but more expensive than partial car coverage.

Premium Rates

IRDAI determines the premium rates of this insurance coverage and it is cost-effective.

The premium rates of this insurance plan depend on the add-ons you opt for as well as your car’s make and model.


You cannot customize this insurance policy.

You can customize this insurance plan. You can add riders for better coverage such as zero-depreciation, breakdown assistance, etc.

What To Choose?

If you own an old car and do not drive it much then this insurance plan is enough.

If you have purchased a new car then it is recommended to purchase this insurance plan because it comes with many features such as No claim bonus, etc.

Apart from these insurance plans, personal accident cover is also mandatory to purchase whether you have partial or full car insurance coverage.

Why Should You Upgrade to Full Car Insurance Coverage?

Partial insurance coverage does not provide you cover for your own damages and this is one of the biggest reasons that you should upgrade to full car insurance (comprehensive) coverage. However, there are several other reasons and they are as follows:

Customization is Possible

When you upgrade to full car insurance coverage, you get an option to customize it. For instance, if you are not satisfied with your existing comprehensive plan then you can add different kinds of riders for better coverage. Also, you can customize the Insured declared value of your insurance plan.

Personal Accident is Included

Under full car insurance coverage, personal accident cover is included whereas in a partial car insurance coverage you will have to purchase the personal accident cover separately.

Third-party liability is Included

Under full car insurance coverage, third-party liability cover is included that provides cover in case your vehicle causes damage to third-party vehicle/property.

Consider These Things While Purchasing Car Insurance

There are several things that you should consider before purchasing a car insurance plan. They are as follows:

  • Make sure that you check your car’s insured declared value because, at the time of claim, the insurer will provide you cover limited to that insured value.
  • You should purchase an insurance plan depending on its usage so that you can purchase the best car insurance.
  • Depending on your car’s age, decide and opt for the add-ons that suit your needs.


Partial car insurance cover is mandatory whereas purchasing full car insurance depends on you. It is recommended by the insurance experts to purchase an insurance policy online because it is a seamless process as well as you can compare car insurance. Also, opt for full/comprehensive insurance coverage because it provides you overall coverage and makes sure that you get coverage for any kind of loss or damage that you or your car suffer.

Written By: PolicyBazaar - Updated: 13 September 2021
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