Comprehensive Vehicle Insurance: Full Protection
Third-party cover plus cover for your own vehicle, with add-ons you can choose.
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- Help with renewals and claims
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Overview
About comprehensive insurance
A comprehensive policy gives you two layers of protection. First, the compulsory third-party cover. Second, own damage cover for your own vehicle.
You can add extra covers like zero depreciation, engine protection and roadside help. The right mix depends on your vehicle's age, value and use.
What is covered
- Accident damage to your vehicle
- Fire and explosion
- Theft
- Flood, earthquake, storm and other natural calamities
- Riot, strike and other man-made events
- Third-party liability
- Personal accident cover for the owner-driver
What is not covered
- Wear and tear
- Mechanical or electrical breakdown
- Drunk driving or no licence
- Use of the vehicle outside the policy purpose
- Damage when the policy has expired
Good to know
Getting the most from a comprehensive plan
- Set a fair IDV. Too low means a low claim for theft or total loss.
- Choose add-ons you will really use.
- Make small repairs yourself to protect your NCB when it makes sense.
- Know your deductible and your claim process.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
Third-Party vs Comprehensive Car Insurance: Which One Is Better?
Third party vs comprehensive car insurance explained in simple words. See what each covers, what it does not, and how to choose. Get a quote to compare.
Read guideOwn Damage Cover in Vehicle Insurance Explained Simply
Own damage cover pays for damage to your own vehicle from accident, fire, theft. Learn how it works, what it skips and how to claim. Get a quote today.
Read guideCar Insurance Add-Ons Explained: Which Ones Do You Really Need?
Understand car insurance add-ons in simple words, what each cover does and who needs it, so you pick only what suits your car. Get a free quote today.
Read guideDeductible and Voluntary Excess in Vehicle Insurance Explained
Learn how a voluntary deductible vehicle insurance option works, how it differs from the compulsory deductible, and when to choose it. Get a quote today.
Read guideFAQs
Questions about comprehensive insurance
What is own damage cover?
It pays for damage to your own vehicle from events like accident, fire, theft and natural calamities, as per policy terms.
Is comprehensive insurance compulsory?
No. Only third-party cover is compulsory. Comprehensive is optional but gives much wider protection.
Can I add extras to a comprehensive policy?
Yes. Add-ons like zero depreciation, engine protection and roadside help are common.
Does it cover wear and tear?
No. Normal wear and tear and breakdowns are not covered.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.