Comprehensive Car Insurance
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Highlights of Comprehensive Car Insurance
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Comprehensive Car Insurance Everything Everything You Need to Know9
Key Benefits and Features of Comprehensive Car Insurance Policy in India
Covers damages caused to third parties in accidents due to your car.
Covers damages to your car from accidents, natural and man-made disasters like floods, riots, and vandalism.
Provides compensation for the driver in case of disability caused by injuries or demise due to an accident, benefiting the driver's family.
Includes both third-party and own damage coverage, so you don't need a separate third-party plan.
Offers additional benefits like zero-depreciation, engine protection, lock and key replacement, and no-claim bonus protection.
Allows cashless repairs at network garages across India.
Provides a discount on your premium if you haven't made any claims in the previous year.
Comprehensive Car Insurance Plan - Inclusions and Exclusion
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Comprehensive Car Insurance Plan - Inclusions
Below are some common inclusions of a comprehensive car insurance plan:
Natural calamities - Covers damages from natural disasters like floods, earthquakes, and hailstorms.
Man-made disasters – Covers damages from events like riots, strikes, vandalism, and terrorism.
Third-party liabilities - Covers damages to third-party vehicles, injuries to third parties, and third-party deaths or disabilities.
Coverage against car theft – Covers loss or damage due to car theft.
Coverage against fire – Covers losses from fire, self-ignition, or explosions.
Accidental damages – Covers damages from accidents.
Comprehensive Car Insurance Plan – Exclusions
Expired policy: No coverage if the policy has expired and is not renewed.
Intoxicated driving: No coverage if the driver is under the influence of alcohol or drugs.
Valid license: No coverage if the driver lacks a valid driving license.
Wear and tear: No coverage for damages due to regular wear and tear.
Nuclear weapons/civil war: No coverage for damages from nuclear weapons or civil war.
Comprehensive Car Insurance Claim Procedures
Below the are steps to raise a cashless comprehensive car insurance claim:
Below the are steps to raise a reimbursement comprehensive car insurance claim:
Ask Anything as We Have Answers to Everything in Insurance
Comprehensive car insurance provides all-inclusive coverage for your car, including third-party and own car damage coverage. Policyholders can also buy add-ons for extra coverage, making the policy more expensive but highly recommended.
The main difference is the coverage offered. Comprehensive insurance provides multiple protections, including third-party and own car damage, while third-party insurance only covers third-party liabilities.
Comprehensive car insurance offers all-inclusive coverage, including third-party and own car damage coverage. It is often considered full coverage.
To choose comprehensive car insurance, compare plans that are cost-effective, based on sum insured, coverage, exclusions, allowed add-ons, and the claim settlement process.
Yes, comprehensive car insurance is worth it because it offers extensive coverage. It is especially recommended for new and expensive cars.
Many insurers offer coverage for losses or damages caused by animals under comprehensive car insurance policy.