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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  • Universal Sompo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have applied car insurance from Universal Sompo through online, my company has provided me this insurance. One time payment i made Rs.23,000 and still there is a no claim and also i 'm getting a no claim bonus for this car insurance. I have given all my documents and they given document also.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • New India
    New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance from New India because when I taken my car, they have provided the policy from this company and I have been renewing with the same one. I pay the premium amount of Rs. 7,000 and they are giving me a IDV value up to Rs. 5L. I used to renew the policy in their branch office and the response was good. They don't sent any notification regarding the policy expiry.
    Was this review helpful? 2
    , pune
    Reviewed on Mar 11, 2020
  • review Car Insurance
    "Worst exeperience"
    0.5 0.5/5 "Unacceptable"
    1.Fraud company 2.No Transparancy 3.For one accident surveyor asked to intimate 2 claim for zero dept policy 4.disgusting service 5.Customer care doesn't know about the product and dont know the process 6.Making fool to customers by not saying the hidden charges 7.surveyor is non professional 8.Tries to profit the service center by changing unwanted items and forcing customer to pay more than the insurance amount
    Was this review helpful? 0
    , pune
    Reviewed on Mar 06, 2020
  • Reliance General Car Insurance
    "Excellent policy"
    0.5 4.0/5 "Great!"
    I chosen my car insurance from Reliance because the car where I have purchased those guys deal with the Reliance. If something happened I should not be in a trouble so I agree with them. They are providing a good IDV value for my car. They are sending me a notification through the call and SMS. I used to renew the policy at home because the agent use to come to my place for renewing the policy.
    Was this review helpful? 0
    , jammu
    Reviewed on Mar 05, 2020
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    By online randomly I have chosen the car insurance from HDFC Ergo. Their claim ratio is really good. I pay the premium amount of Rs. 19,000 on a year and they are giving me IDV value of Rs. 1.70L. This is a comprehensive policy which covers for 100%. I have a claim experience which is good but I need to pay the claim fee of Rs. 1000.
    Was this review helpful? 0
    , rajkot
    Reviewed on Mar 05, 2020
  • Magma HDI Car Insurance
    "CHEAP AND BASTERS MAGMA MOTOR INSURANCE "
    0.5 0.5/5 "Unacceptable"
    They are very cheap, kamine type people.They talk with customer very rudely.And they play a trick with customer after accident or during claim.Firstly they not visit.And after one week they visit and hold all work .After two week they will ask that MAGMA want to visit the accident site with customer.Till that time customer become frustrate becs their motive is also to frustrate the customer so that customer deny to take the claim.And one importent thing they will say if customer could not visit accident site with MAGMA then no claim will approved becs their motive is do same. SO NOT TAKE ANY INSURANCE FORM MAGMA.KAMINE LOG HAI GHATIYA KISM KE .
    Was this review helpful? 2
    , gurgaon
    Reviewed on Mar 04, 2020
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    From ICICI Lombard, i have selected my car insurance because its collaborated with Maruti Suzuki showroom hence its easy to claim the insurance. My claim experience is good and they have sanctioned the claim in 3 days. This is a comprehensive insurance plan. I pay the premium amount of Rs. 12000.
    Was this review helpful? 0
    , ludhiana
    Reviewed on Mar 03, 2020
  • ICICI Lombard Car Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    My car insurance was taken from TATA AIG because i am holding the policy with the same company for almost seven months and i have not done any claim so far. Paying the premium amount of Rs. 90000 for the tenure of three years for the car insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 02, 2020
  • United India Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a car insurance from United India. The agent who work with us as a colleague provided me this policy. The premium amount is coming around Rs. 16000. They are giving a coverage amount of Rs. 12 lakh. This is a first party comprehensive plan. I'm getting a no claim bonus and road side assistance as well.
    Was this review helpful? 1
    , mangalore
    Reviewed on Mar 01, 2020
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India because i am holding the policy with the same company for almost 30 years and i have done the claim twice so far. My claim experience is really good because they have done a cashless claim upto 90%. I have been paying the premium amount of Rs. 8500 per year and they are giving a IDV value of Rs. 3 lakhs.
    Was this review helpful? 0
    , jamshedpur
    Reviewed on Feb 27, 2020
  • Universal Sompo Car Insurance
    "Good Insurance"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from Universal Sompo because the premium is less when i compared to other insurance provider, they have provided me a IDV value of Rs. 4 lakh. When i have done the cashless claim, they have sanctioned in 2 days. I'm getting renewal message in prior when the policy is getting lapsed. This is a first party insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 20, 2020
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My friend has referred me about the car insurance from Reliance. I pay the premium amount of Rs. 10,200 for this policy. This is a third party insurance. My friend is working as a agent and he will renew the policy. I have not approached them for any kind of claim. They use to send the reminders to renew the policy.
    Was this review helpful? 0
    , tirupur
    Reviewed on Feb 20, 2020
  • Oriental Insurance Car Insurance
    "One of the best policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was selected from Oriental insurance since the branch office is located to nearby my office. I pay the premium amount of Rs. 6000 for that they are providing me a IDV value of Rs. 2.8 lakhs. This is a first party insurance. Even though i don't have any claim experience, they have not provided me any no claim bonus.
    Was this review helpful? 0
    , guwahati
    Reviewed on Feb 19, 2020
  • National Insurance Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    For the economical and low premium purpose, i have chosen the two wheeler insurance from National. I pay the premium amount of Rs. 7000 every year and they are giving the IDV value of Rs. 4 lakh. I used to renew the policy in the branch nearby located to my place. I have no claim experience till now.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 30, 2020
  • National Insurance Car Insurance
    "Excellent policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG car insurance is pretty awesome policy. So I have taken my car insurance from this company because they are providing me a bumper to bumper offer, comprehensive policy even if the car is 7 years old and this is the only company who provides this facility. To apply the claim is very easy in a single call. They have provided me 100% claim.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 28, 2020
  • United India Car Insurance
    "Secure and fast claim"
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased from United India and i have been renewing the policy with the same company for last 5 years. My claim experience is very fast and there is no struggle in getting the claim. The person will come to the spot by the next day once we applied the claim. I got the claim upto 90%. I have been receiving the no claim bonus also.
    Was this review helpful? 1
    , kochi
    Reviewed on Jan 22, 2020
  • Royal Sundaram Car Insurance
    "Money waste policy"
    0.5 1.0/5 "Really Bad"
    I have taken my car insurance from Royal Sundaram at earlier but I'm not satisfied with their services. When i applied for my claim, they have taken most of the part and they didn't provide the cashless claim in their garages. Quality of service is not that much good. I bought the policy through online. They didn't promised their word.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • Oriental Insurance Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    ORIENTAL INSURANE has provided a car insurance and they have provided me a better offer with the better quotation including the bumper to bumper offer so that i took the same and till now i never spoke with the customer care also. I have not approached for them for any claim. They have offered me a coverage value of Rs. 3.5L. I have renewed the policy in online.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • 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? 1
    , jaipur
    Reviewed on Jan 16, 2020
  • 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? 3
    , coimbatore
    Reviewed on Jan 16, 2020
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