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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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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  • New India Car Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    One of my friend is working in New India so with him i bought the policy. I pay the premium amount of Rs. 15000 and this is a bumper to bumper covered policy. I got the IDV value of Rs. 6 lakhs. I do not have any claim experience and i got the no claim bonus too.
    Was this review helpful? 0
    , dindigul
    Reviewed on Oct 14, 2019
  • Royal Sundaram
    Royal Sundaram Car Insurance
    "Very Nice Policy"
    0.5 5.0/5 "Blown Away!"
    For my car insurance, i'm paying the premium amount of Rs. 10000 every month. I took the car insurance from Royal Sundaram because the car taken showroom members have given this policy. The policy covered with bumper to bumper facility.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Oct 13, 2019
  • ICICI Lombard Car Insurance
    "Satisfactory"
    0.5 3.0/5 "Satisfactory"
    At the time of purchasing the car, I got an insurance from ICICI Lombard through the showroom which I have continued for 5 years but am not having car. It was satisfactory and had a neutral experience. I used to get reminder msg and calls for the policy renewal. I had a claim and which was dealt by showroom and the process was hassle free. Actually, the policy was bit costlier than the insured value of vehicle before 3years ago.
    Was this review helpful? 0
    , kanpur
    Reviewed on Oct 12, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO given me a third party insurance and for one time, they have charged me only 6K. The policy validity is 4 years. Its a zero dep policy. Its good but I don't have claim experience. I have received the insurance paper through post. Overall good.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 08, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 2.0/5 "Expected more"
    My car insurance was taken from New India because the car dealer has provided me this policy. I had paid the premium amount of Rs. 33000 and this policy gives me a coverage of 100%. My claim experience is good and they had processed the claim in 24 hours.
    Was this review helpful? 0
    , bhopal
    Reviewed on Oct 04, 2019
  • United India Car Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I have Hyundai car which is more than 18years, United India is charging me insurance fee around 3500rupees for one year policy. They are sending the insurance paper on time. Its a third party insurance. The claim is not applicable. IDV is less which can be better.
    Was this review helpful? 0
    , palakkad
    Reviewed on Sep 29, 2019
  • Reliance General Car Insurance
    "Easy and Good policy"
    0.5 5.0/5 "Blown Away!"
    I am having a car insurance from Reliance. When i met the accident, i sent a photo to them and the executive came to the place and they took the photo and they have provided me a claim amount of Rs. 1.50 lakhs but the total damage is Rs. 2.5 lakhs. They have given me a claim in 45 days.
    Was this review helpful? 0
    , erode
    Reviewed on Sep 24, 2019
  • United India Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Currently I taken car policy from United India by paying the premium around Rs.14,000 for per annum for my toyoto car. It has bumper to bumper zero depreciation plan and they do have road side assistance, break down service, 24 hours service. The customer service is good interms of reminder. alerts.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Sep 20, 2019
  • Iffco Tokio Car Insurance
    "Need improvement on the cash garages"
    0.5 4.0/5 "Great!"
    In 2017 I used Iffco Tokiyo for the car protection, the premium cost was economical. But they don't have cash less garages for certain demise hence I have moved other insurance company. The online option is very good for renewal and other purpose.
    Was this review helpful? 0
    , sonipat
    Reviewed on Sep 19, 2019
  • Iffco Tokio Car Insurance
    "Need improvement on the cash garages"
    0.5 4.0/5 "Great!"
    In 2017 I used Iffco Tokiyo for the car protection, the premium cost was economical. But they don't have cash less garages for certain demise hence I have moved other insurance company. The online option is very good for renewal and other purpose.
    Was this review helpful? 0
    , sonipat
    Reviewed on Sep 19, 2019
  • New India Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    For my Honda city car I took New India assurance, I used to pay Rs. 21,000 per annum they gave me insured value upto 70 to 75%. I got bumper to bumper zero depreciation it has the cash garages. There is no claim experience so far, the renewal process is very easy through online.
    Was this review helpful? 0
    , sonipat
    Reviewed on Sep 19, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have chosen ICICI Lombard for a car insurance because am holding a salary account and the services are good. I got a first party insurance. I am having Maruti Suzuki Zen which is 8 years old. The IDV value is better. The policy is valid for one year and paid premium of Rs.2,500.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Sep 17, 2019
  • SBI General Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My car is insured with SBI General because its easy to renewal and main thing is the premium is not so high. The customer service is not so good and would suggest them to improve the service. I had a claim and the experience was average. The policy is valid upto 3 years.
    Was this review helpful? 0
    , faridabad
    Reviewed on Sep 17, 2019
  • Oriental Insurance Car Insurance
    "Good for car protection"
    0.5 5.0/5 "Blown Away!"
    I have maruthi 800 car which has the four wheeler policy of Oriental Insurance, my premium was around Rs. 8.000 for specific period. I took bumper to bumper with 100% of coverage, the renewal process is very easy. I usually visit to the Oriental branch, I used to get the policy copy. They do have road side assistance, 24 hours service etc.
    Was this review helpful? 0
    , bangalore
    Reviewed on Sep 14, 2019
  • Chola Ms Car Insurance
    "No claim Experience"
    0.5 3.0/5 "Satisfactory"
    I have taken car insurance from Cholamandalam insurance. They have financed for my vehicle hence they have provided the policy from them. Long back, i have renewing the policy with the same company. They have provided me a coverage value of Rs. 2,5 lakhs and i do not have any claim experience till now.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Sep 14, 2019
  • National Insurance Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In 2016, I had a car insurance with National Insurance, at the time I done a claim because my car front bumper got damaged, hence I got the cashless garage option then within 2 to 3 days I got my car back with proper condition, it was also good insurance company.
    Was this review helpful? 0
    , panipat
    Reviewed on Sep 13, 2019
  • HDFC Ergo Car Insurance
    "Good Protection "
    0.5 5.0/5 "Blown Away!"
    Currently I have car insurance with HDFC Ergo, I paid the premium around Rs. 10,000 for one year plan, it gives bumper to bumper protection for my 2015 maruthi wagon R car, they are providing good IDV value based on manufacturing year. The renewal process was happened easily through the dealer.
    Was this review helpful? 0
    , panipat
    Reviewed on Sep 13, 2019
  • ICICI Lombard Car Insurance
    "Good for car policy"
    0.5 4.0/5 "Great!"
    I have four wheeler policy with ICICI Lombard, the premium is based on the claim or else its reliable. They do have third party insurance, road side assistance, 24 hours, I got the cashless claim when I met with an accident but they covered 50% of plastic only remaining amount I paid it.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Sep 10, 2019
  • United India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    United India renewal process is very easy and they give reminder call before the due date. I paid Rs.7800 for per annum for my bumper to bumper plan, they are providing road side assistance, 24 hours. They do have no claim bonus for my renewal. The service is prompt I able to reach them at any time.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Sep 09, 2019
  • Future Generali Car Insurance
    "Best policy for car"
    0.5 5.0/5 "Blown Away!"
    Future Generali premium cost is affordable and also they gave me best insured value based on my Alto 2016 model car. They do have road side assistance, 24 hours service, break down service, they used to give no bonus claim upto 20% whenever I go for renewal.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Sep 09, 2019
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