Third Party Car Insurance VS Comprehensive Cover

Insurance companies in India offer two types of policies - comprehensive and third-party. While the third-party cover is cheaper and covers only third-party damages, the comprehensive cover offers wider coverage and is hence, slightly expensive.
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There are several key factors that come into play when you have to choose a car insurance scheme. One such point of concern is deciding whether to choose a comprehensive car insurance scheme or a standalone third-party car insurance scheme. In India, insurers sell both comprehensive covers and standalone third-party covers. While comprehensive motor policies cover both personal damages and third-party liabilities, standalone third-party car insurance cannot be used for own personal damages.

What Is Comprehensive Car Insurance Coverage?

A comprehensive policy, as the name suggests, offers overall protection against damages to both parties involved in an accident. This scheme is extensive, and it covers damages to car, theft, legal liability to third-party, and personal accident cover. The policy coverage can be further improvised by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc. This coverage is highly popular since it offers end-to-end coverage and hence ensures less stress for the policyholder.

Without a comprehensive insurance cover, you risk paying from your pocket for expensive repairs of damages following an accident. Comprehensive car insurance in India is often costlier than standalone third-party insurance cover. However, it provides a lot more benefits to the insured compared to standalone third-party covers.

Comprehensive car insurance often includes coverage for: theft, fire, natural disasters like a hurricane or a tornado, vandalism, falling objects, Damage done to your car by animals, civil disturbance, like a riot that results in damage or destruction of your car.

Types of Motor Insurance Policy

Essential Components Of Comprehensive Car Insurance Policy:

A comprehensive car insurance policy is the highest form of protection you can buy for your vehicle. It is always recommended to have comprehensive insurance even though the law does not mandate it. With a comprehensive insurance plan, you can be rest assured that the potential losses due to accidents are easily taken care of. Some of the essential components of comprehensive car insurance are as follows:

  • It provides protection against damages from accidents, even if you are at fault.
  • It provides end-to-end protection for a vehicle even against theft or damages caused by natural disasters.
  • Add-on covers like zero depreciation and engine protection are also available along with comprehensive insurance covers.
  • No additional premium is required for covering third-party liabilities in the case of accidents.

Reasons to Upgrade to Comprehensive Car Insurance:

Comprehensive is also known as “other than collision” coverage because it normally includes coverage for:

  • Theft
  • Vandalism
  • Glass damage (such as a broken windshield)
  • Damage sustained from hitting an animal or bird
  • Damage from falling objects or missiles
  • Fire incidents
  • Floodwaters
  • Damage sustained due to severe weather or natural disaster -- such as windstorm, hail, hurricane, tornado, etc.
  • Damage to a third party.

Without comprehensive coverage, a car insurance claim cannot be made if your vehicle receives damage that is not due to collision. For high valued cars, this type of insurance is desirable as an additional protection.

Comprehensive Car Insurance Exclusions:

  • Aging, wear and tear, etc. of the vehicle
  • Depreciation
  • Electrical or Mechanical breakdown
  • Damage to tyres and tubes. However if the vehicle is damaged at the same time, liability of the company will be limited to 50% of the replacement cost.
  • Damage caused by a person driving without a valid license.
  • Damage caused due to drunken driving or driving under the influence of drugs.
  • Loss/ damage caused by war, mutiny or nuclear risk.

Third-Party Car Insurance:

Third-party car insurance offers cover against any legal liability to a third party caused when you are at fault. It covers any damage or injury caused by the insured, to another person or property. A third-party liability cover is made mandatory in India under the Motor Vehicles Act, 1988. There is no specific limit on the liability coverage for injuries or death of a third party. However, liability coverage for property damages sustained by a third party is capped at Rs.7.5 lakh.

Benefits Of Buying Third-party Car Insurance:

This type of car insurance covers the owner in case of any legal liability owing to death or injury to any individual or damage to any property caused by the insured vehicle. The Motor Vehicle Act stipulates that a third-party claim can be made under the categories of "no fault liability claims" where the claimant is under no obligation to allege and prove negligence on the part of the vehicle that caused the accident or "fault liability claims".

Third-party Car Insurance Exclusions:

Third-party only car insurance policy does not cover the cost of damages to a vehicle or the belongings in the vehicle in case of an accident. It will also not provide cover if your car or belongings are stolen or destroyed.

Difference Between Third-party & Comprehensive Cover:

One major difference between third-party insurance and comprehensive insurance is the range of protection offered to you and your vehicle. While a comprehensive plan provides multiple protection covers for you and your vehicle, a third-party cover is limited to offering protection against the claims of a third party. The strengths and weaknesses of these two types of car insurance depends on several underlying factors. It is necessary to better understand these variables in order to compare, analyze and decide upon the right car insurance scheme.

  • Value of the car: If value of your car is low, it is better to take third-party motor insurance since repairs to damages caused can be managed cost-efficiently and easily. It is cheaper to pay for repairs when compared to paying the high premiums associated with comprehensive cover. However, if the car is brand new and expensive, comprehensive cover is the better option.
  • Coverage: Third-party insurance covers damages to third-party vehicle, injuries caused to other people in an accident, as well as damage to third-party property. Some companies charge extra for third-party property coverage. This coverage has become a priority these days since cost of repairing damages to the car is high. But it does not provide you any coverage against damages to your own vehicle.
  • Expense: A comprehensive cover is more expensive than a third-party cover since it provides coverage for a wide variety of damages/injury/loss.

What Insurance Cover Is Right For You?

If what you are looking for is coverage for yourself and your vehicle, a comprehensive car insurance policy is what you need. It is a wider coverage plan since it has provisions for third-party as well. Comprehensive coverage policy is expensive as compared to just third-party insurance cover. In the end, choosing the right insurance cover comes down to your specific requirements. If you own a new, high-end car, it is a good idea to have a comprehensive cover that offers maximum protection for your vehicle. You can also choose additional covers like engine protection to ensure that your vehicle is well-protected. A standalone third-party cover could be opted for old vehicles that are no longer in prime condition.

It is better to be safe, than sorry. Accidents happen unexpectedly, and it can heavily weigh on your finances. There might be slight variations in the benefits and exclusions depending on the insurance agency and it is advisable to check the terms and conditions in detail before taking a policy. To attain peace of mind when it comes to getting the right coverage, take a third-party or comprehensive insurance that meets all your requirements.

Car Insurance Guide Page

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    Car manufacturers today offer warranties that protect engine, transmission, and other powertrain components for an extended period of time. This is completely unlike the warranties offered traditionally.

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News About Third Party VS Comprehensive Car Cover

  • BMW Planning to Locally Assemble X7 and X4 SUVs in India in 2019 

    BMW has recently announced that it is looking to locally assemble the India-spec X4 and X7 SUVs at its Chennai plant. While the BMW X4 made its debut a while ago, the BMW X7 is a completely new product offering by the German car manufacturer.

    The BMW X7 is the company’s new flagship SUV that will be available in the country in the M750d variant. The engine of this SUV is 3.0-litre inline-6 that is capable of generating 400 bhp of maximum power and a peak torque of 560 Nm. This 7-seater SUV is likely to receive xDrive along with an 8-speed automatic transmission. This car will feature a host of the latest technologies in terms of comfort features and driver assistance.

    The second coupe SUV by the German car manufacturer, the BMW X4 is expected to capture the lower segments of the coupe SUV market. This car is likely to compete against the likes of the Audi Q4 and Mercedes-Benz GLC coupe in addition to even the Jaguar F-Pace and Porsche Macan in certain markets. The BMW X4 is speculated to carry a price tag within the range of Rs.50 lakh to Rs.60 lakh. This SUV is expected to become available with both petrol and diesel engine options at the time of its launch.

    21 January 2019

  • New Maruti Suzuki Wagon R to be launched on 23 January 2019

    Maruti Suzuki is set to launch the new generation of the Wagon R in the Indian market. The car is set to hit the Indian market on 23 January 2019. Maruti will continue to sell the Wagon R through the Maruti Arena Showroom channel. The new Maruti Suzuki Wagon R is a Made for India vehicle and will feature unique styling.

    The new iteration of the Wagon R will be longer than the previous model and will continue to have the slab-sided look. The model is likely to come with larger headlamps and more rounded look up front. It is expected to come with a floating roof design as seen on the Ertiga. It is likely to get subtle creases to the front and rear fenders and doors. The latest iteration of the car is likely to be based on the platform of the current model. However, it will be tweaked to clear the latest crash test norms. The current gen engine is a 1.0-litre, 3-cylinder, petrol engine which is expected to be carried over to the new gen. However, it is likely to be tuned to offer better refinement. CNG and optional AMT are also expected on the upcoming Wagon R.

    7 January 2019

  • Mahindra XUV300 to be launched on 15 February 2019

    The much-anticipated Mahindra XUV300 is expected to be launched in the month of February 2019. Mahindra dealerships across the nation have already started accepting unofficial bookings for the SUV. The company had recently launched some official images of the car a few days back. A model was spied in production-spec while being filmed for an ad film as well.

    The XUV300 is based on the X100 platform from Tivoli. Some changes have been made to make the car fall under the four-metre mark. The new XUV300 carries a design line which closely follows the styling on the XUV500. The XUV300 is also a feature packed car with features such as a sunroof, dual-zone climate control system, and an 8-inch touchscreen. The XUV300 will share its engine with the Marazzo. It is a 1.5-litre diesel mill which is capable of producing 123 hp. The car will also receive a 1.2-litre petrol engine trim. Both the engines are mated with a 6-speed gearbox. An automatic transmission model can be expected in the near future.

    4 January 2019

  • TATA to launch 2019 Harrier SUV on January 23

    According to Tata Motors, the 2019 Tata Harrier SUV will be launched on January 23 in India. Bookings for the Harrier SUV are already being accepted for an amount of Rs.30,000. For a speculated price of Rs.16 lakh to Rs.21 lakh, it is expected to compete with the likes of the Hyundai Creta, Jeep Compass, and the Mahindra XUV 500.

    Based on the entry-level Jaguar Land Rover D8 SUV platform, the Harrier is mated to a six-speed manual gearbox. It is powered by a 2.0-litre four-cylinder diesel engine, which produces 140hp and 350Nm of torque. The XE, XM, XT, and XZ are expected to be the four variants offered by Tata Motors. The safety features on the Harrier SUV includes six airbags, stability control, hydraulic brake assist, and ABS with EBD. The 2019 Harrier SUV also comes with Tata’s Eco, Sport, and City modes.

    31 December 2018

  • Mahindra offers year-end discounts on SUVs

    Mahindra is offering attractive year-end discounts on a wide range of its SUVs, ranging from Rs.15,000 to Rs.1 lakh. On the Marazzo, discounts go up to Rs.15,000 in exchange benefits. There are four trim levels available in this with an engine that is 123hp, diesel 1.5 litre that is paired with a 6-speed manual gearbox. Discounts of up to Rs.65,000 is offered on the TUV300. Along with Rs.46,000 cash discount, there is also Rs.15,000 off in exchange of your old car. The Balero Standard comes with Rs.50,000 benefits while the Balero Power Plus has benefits of up to Rs.40,000. The KUV100 NXT comes with Rs.79,000 in benefits with Rs.4,000 more in discounts for corporate buyers. The Scorpio comes with Rs.85,000 in benefits while the Alturas comes with Rs.1 lakh in benefits. The XUV500 comes with Rs.79,000 in benefits.

    26 December 2018

  • Isuzu MU X SUV and Isuzu D Max Price Increase Announced

    Pick-ups, Isuzu Motors said in an recent announcement, making it the third time the price of the company’s vehicles have been hiked. The first time the prices were increased this year was in January, and the second hike was implemented in September this year. In both of the previous hikes, Isuzu said that the reason for the increase in prices was high distribution and input costs. The new hike is said to be in the range of 1% to 2% for commercial vehicles, and will be applicable to the D-MAX S-CAB and the D-MAX Regular Cab. There will also be a hike in the region of 3% to 4% on the adventure range of pick-ups which include the MU-X SUV and the D-MAX V-Cross. The D-MAX range of Isuzu Motors includes the regular D-MAX S-CAB and the D-MAX Cab so far as the commercial vehicle segment is concerned.

    24 December 2018

  • Rolls-Royce Cullinan launched in India priced at Rs.6.95 crore

    Cullinan was the first ever all-terrain vehicle launched by Rolls Royce. The company has now launched the car in India at a price of Rs.6.95 crore. The Cullinan can be branded as an SUV but Rolls Royce prefers to refer to them as a high side car. Based on the platform call Architecture of Luxury platform of Rolls Royce, the car makes use of an aluminium space frame used in the new generation Rolls Royce Phantom. While the car is not necessarily designed for off-roading, Rolls Royce has ensured that the car delivers the very best performance across all terrains. One can feel the Rolls Royce heritage of the vehicle by looking at the square design and iconic front grille. The car features two sleek LED headlamps the come with integrated DRLs. The front bumper houses a matte-silver skid plate that adds to the looks of the vehicle. The one thing the car has managed to pull off is that the car has managed to hide the SUV size of the car very well. One would not realised the size of the car before looking at the massive profile of the SUV. The car has managed to find a place for Suicide doors that have been beautifully integrated in the vehicle. The dashboard has a touchscreen infotainment system along with 2 high definition touchscreen monitors placed at both the back and front seats of the vehicle. The infotainment system of the vehicle is integrated with a digital television and a blu-ray player. This system will be assisted by 18 speaker that use the next generation Rolls Royce bespoke audio system.

    18 December 2018

  • Frontier Car Group and OLX India Release OLX Cash My Car

    The biggest Indian marketplace for used goods, OLX, in collaboration with the biggest name in the online used automobile sector, Frontier Car Group, have announced that the launch of OLX Cash My Car – an offline used car selling initiative. The launch of OLX Cash My Car complements the core offering of OLX. Individuals across the country can now sell a used car directly through OLX, or through a Cash My Car store offline. This initiative is a free service for customers and its best features include trust, convenience and speed. Users can simply go to a local OLX Cash My Car store to request a free inspection of their vehicle. There are authorised vehicle inspection agents who will physically assess the condition of the vehicle along with its documents. The vehicle will then be auctioned online and car owners will get the best price for it.

    17 December 2018

  • 2019 Ford Endeavour spotted in India for the first time

    The new 2019 Ford Endeavour was spotted testing in India recently. This can only mean that the Ford Endeavour will be launching in India sometime very soon. The car was unveiled in May 2018 and went on sale in Thailand in July 2018. The 2019 Ford Endeavour is expected to arrive in the country sometime in early 2019. The new Ford Endeavour carries a lot of similarities to the current model but does have a few minor tweaks in the form of updated fog lamp housing, revised bi-xenon headlights, and a larger three slat front grille. The car will be getting the Ford’s SYNC3 infotainment system. This will come equipped with Android Auto and Apple CarPlay and a push button start as standard. Most of the changes to the car will be under the hood. The new Endeavour will come with a 2.0 litre EcoBlue diesel engine. The car is available in two states of tune, namely the 215PS / 500Nm and is equipped with an all new 10 speed automatic transmission. This will most likely replace the current 2.2 litre and 3.2 litre diesel engines that come with a 6-speed automatic transmission. A number of safety features have also been introduced to the facelift version launched in Thailand. The Indian version of the vehicle. These features will mostly not feature on the model released in India. The 2019 Ford Endeavour will be priced ranging between Rs.26.32 lakh and Rs.32.81 lakh (ex-showroom Delhi).

    14 December 2018

  • BMW M2 Competition released in India at a starting price of Rs.79.90 lakh

    BMW M2 Competition has been released in India recently. The price of this all-new model starts from Rs.79.90 lakh in its ex-showroom. The latest BMW M2 Competition is not only one of the greatest M cars in India but it is the most affordable among all the M cars in the world as well as in India. It is powered by an inline 6, twin-turbocharged 3-liter engine which has the capacity of delivering 405 bhp of peak power and 550 Nm of torque. The car can reach from 0 to 100 kmph speed in a matter of 4.2 seconds and its peak speed is 250 km per hour. As a matter of fact, the M2 is the smallest M car manufactured by BMW.

    13 December 2018

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Third Party Car Insurance VS Comprehensive Cover Reviews

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  • United India Car Insurance
    "Service is good"
    0.5 4.0/5 "Great!"
    Took my car insurance from United India based on the agent suggestion. I pay the premium amount of Rs. 3600 its because of the no claim bonus and some extra discounts. I have not applied any claim till now. From 7 years, i have been renewing the policy with the same company. They will give reminder call and I'm getting SMS from United India before the policy expiry.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 16, 2020
  • New India
    New India Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from New India since its a government sector company and i have a known person over there. There is no cashless claim i had because there is a delay in that and it takes almost 1 week. They are giving claim upto 70% since my vehicle is old one. I pay the premium amount of Rs. 12500 on every year. They said they are providing a road side assistance and no claim bonus facility.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 16, 2020
  • Liberty Car Insurance
    "Wrost service ever "
    0.5 1.0/5 "Really Bad"
    My car in total loss and they have reject my claim. 2 months they have investigate case and after they reject. they says your car is sold by you . i am saying i have not sold and i have proof but they dont want to listen us. never buy from liberty insurance.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 13, 2020
  • Iffco Tokio Car Insurance
    "Good Insurance Policy"
    0.5 4.0/5 "Great!"
    I have a zero claim experience for my car insurance from Iffco Tokio. Actually my friend has suggested me to take the car insurance from Iffco Tokio because he is working as a agent over there. I have paid the premium amount of Rs. 8000 for that they are providing the coverage value of Rs. 2.75 lakhs. I have no idea about the road side assistance and no claim bonus.
    Was this review helpful? 0
    , vapi
    Reviewed on Jan 06, 2020
  • New India Car Insurance
    "Good Insurance company"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India Assurance. When i purchased the car from the showroom that time they have provided this insurance which i'm continuing. Till now i didn't claimed anything and i have no idea about the coverage value. They are giving good customer support and wish to continue the same.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 06, 2020
  • Reliance General Car Insurance
    "good service"
    0.5 5.0/5 "Blown Away!"
    I have chosen Reliance insurance as my friend is a franchise. I have taken a third party car insurance from them. I pay the premium of Rs.3000 on yearly basis. Even though it is a third party insurance, I can get upto 15lakhs. I will not get notification for renewal. I pay the premiumthrough online or directly to them.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 27, 2019
  • Reliance General Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from RELIANCE GENERAL INSURANCE. It has some good benefits and the premium is low. I pay Rs.7,000 on yearly basis and also as no claim bonus options. It also includes garage benefits. I have no claim experience yet. I will get notification regarding the insurance from car showroom not from the insurance provided. I pay through online or cheque.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 22, 2019
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from Reliance. Because their office near by my work place, so that its easy to renew the policy. They have provided me IDV value of Rs. 4.50 lakhs and the provided premium amount was Rs. 9,500. This is a third party insurance. I have not applied for any claim till now. I have got the no claim bonus of 30%.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2019
  • Shriram Car Insurance
    "Good Plan"
    0.5 5.0/5 "Blown Away!"
    1 month ago, i have purchased the car insurance policy from Shriram General Insurance. Since the premium amount was less, i have chosen the same. They have given me a documents on the same day. I have not got any no claim bonus. I have paid the premium amount of Rs. 19000. Its a third party cover policy.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 20, 2019
  • Iffco Tokio Car Insurance
    "Good Claim experience"
    0.5 4.0/5 "Great!"
    Earlier i had a car insurance with Iffco Tokio and had a claim experience. Since the premium amount is high and the IDV value is less hence i have changed the policy by next year. They have processed the claim in one week. They have cover upto 100% and i have paid only Rs. 500. I have paid the premium amount of Rs. 50000 for the coverage amount of Rs. 7.40 lakhs.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Bajaj Allianz Car Insurance
    "Easy policy to take"
    0.5 4.0/5 "Great!"
    From Bajaj Allianz, i have chosen the car insurance policy. Its easy to claim hence my friend had recommended me about this policy. I have paid the premium amount of Rs. 30000. They are giving a IDV value of Rs. 6.90 lakhs. Its a zero depreciation policy. I do not have any claim experience as of now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Oriental Insurance Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    Chosen my car insurance from Oriental because their office is located next to my office. I had a claim experience once and it was very good. They have provided the claim immediately as per the spot instruction. They provided me a 100% since its a zero depreciation policy. I used to visit their branch to renew the policy.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Dec 17, 2019
  • Oriental Insurance Car Insurance
    "You can go for it but make sure about the clarity"
    0.5 1.0/5 "Really Bad"
    Earlier i was having a car insurance from Oriental. When i contact the customer care service, they are not giving guidance regarding the ownership change. They are not providing good service hence i have cancelled the car insurance with them since i do not want to continue.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2019
  • Shriram Car Insurance
    "Easy Process"
    0.5 5.0/5 "Blown Away!"
    I'm not facing any problem with Shriram General Insurance. I didn't contact the customer care service till now. I bought the car insurance from Shriram because i felt the premium is little cheaper than others. They are providing the IDV value of Rs. 1.5 lakhs. They have not provided me a claim bonus.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Till now i didn't talk with the New India customer care service. One time there was a fraction happen for my car that time made the claim and they took 1 week to give the claim. I've paid the premium amount of Rs. 15000 approximately. By online only, i used to renew the insurance.
    Was this review helpful? 1
    , kochi
    Reviewed on Dec 13, 2019
  • Bajaj Allianz Car Insurance
    "Policy Coverage & Claim Experience"
    0.5 1.5/5 "Bad"
    I had taken a car insurance with Bajaj Allianz & find the claim experience (originals are requested to be in possession of surveyor via dealer) & policy coverage (surveyor said the damage to my car is probably due to rat/dog which is not covered), due to which i had to eventually pay from my own though i pay hefty auto-premium
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 13, 2019
  • Bajaj Allianz Car Insurance
    "Good friendly policy"
    0.5 4.0/5 "Great!"
    Long back I have done my claim for my car in TATA AIG. I took the car insurance from TATA AIG because we felt the policy is good and i'm comfortable with the company, am a happy customer. i didn't claim fully since its not a bumper to bumper policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 11, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i purchased the car in the showroom where they have provided a car insurance policy from Bajaj Allianz. I have renewed the policy for the second year also but I have no idea about the premium amount and its a zero depreciation policy. They have informed me about the no claim bonus details. I have not made any claim experience till now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 11, 2019
  • Chola Ms Car Insurance
    "Extremely bad."
    0.5 0.5/5 "Unacceptable"
    Extremely bad. Pathetic is the word. They will take you hard earned money in the name of insurance and when you go to claim for it first they will give you the lure of no claim bonus if you dare to claim and even if you insist for claim, Broad day light robbery is the only word to describe this insurance company.
    Was this review helpful? 4
    , ahmedabad
    Reviewed on Dec 05, 2019
  • ICICI Lombard Car Insurance
    "User friendly"
    0.5 5.0/5 "Blown Away!"
    They are very fast claim experience. I have not personally chosen the policy from ICICI Lombard. From the merchant side by default they have provided me a policy from this company. Recently I had applied the claim and I got up to 83%. Earlier it was a bumper to bumper covered policy now my car is more than 5 years old, so its not covered 100% now.
    Was this review helpful? 6
    , bangalore
    Reviewed on Nov 26, 2019
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