Insurance is like a spare tyre. You may not require it, but not having one is not an option.

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

Recent Articles on Car Insurance:

  • Keep These Points In Mind When Buying A New Car And Insuring It

    As the eagerly awaited festive season approaches, you will be showered with a slew of discounts and offers from car manufacturers and insurance companies. So, if you already have plans to purchase a new set of wheels in the near future, this is the best time to do it.

    However, there are certain things you should keep in mind when buying a new car and insuring it. This includes assessing your needs and understanding the coverage offered by the assortment of insurance products available in the market.

    This page enlightens you on the various aspects of buying a car and an appropriate auto insurance policy. Use this as a checklist when you start shopping before the holidays.
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  • Safeguard Your Vehicle With The Return To Invoice Cover In Car Insurance

    Did you know that the coverage offered by a comprehensive car insurance policy is not as exhaustive as the name indicates? There are several exclusions under a comprehensive/package policy, and some of these can be added to the coverage through the use of add-on covers.

    Add-on covers are car insurance riders that can be bought from the insurance company at an extra cost. These riders offer specific levels of protection to the insured car and can be opted to suit the unique insurance needs of the customer.

    One such add-on cover is the return to invoice (RTI) rider. Consider a scenario in which your vehicle meets with an accident that causes total damage to it. The car insurance company is liable to pay you the Insured Declared Value (IDV) of the vehicle as the maximum claim amount. But if the car was protected with the RTI cover, then you will receive the original invoice value of the vehicle, i.e., its on-road price at the time of purchase!

    This page gives you a detailed insight on this extremely attractive rider.
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  • What New Car Warranties Are All About

    The festive season is closing in on us, and it brings a tide of discounts from car manufacturers and insurers alike. If you have plans to buy a new car in the near future, do not delay it any further. The festive season is the best time to get your dream car and also save some money in the process.

    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.

    There are also certain exclusions with respect to warranties. This page elaborates on the new car warranties and the steps you need to take to ensure that you are abreast of the fine print in the owner’s manual.

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  • Driving Safely On Indian Roads

    There are few places in India that are more dangerous than the roads. The enormous volumes of vehicles using the roads and the lack of adequate infrastructure has led to bad driving habits and traffic congestion. The statistics of accidental deaths in the country are appalling.

    The best way to make the roads safer is by practising defensive driving techniques and following road safety guidelines.

    This page elaborates on how you can equip yourself to be a better driver on Indian roads. It also gives you tips on time management and getting your vehicle updated with adequate safety features.
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  • Case Study - Reading Through The Policy Documentation

    When you buy an auto insurance policy, it is imperative that you read through the fine print of the policy documentation in detail. This equips you better to take the right steps at the time of a claim under car insurance. Also you will be aware of the exclusions under the plan, so that you are not disheartened at the time of a claim.

    We have a host of case studies on the website that illuminate the necessity of understanding the coverage under your plan. This is one such case study.
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GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

News About Third Party VS Comprehensive Car Cover

  • 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

  • Mahindra Scorpio S9 Variant launched in India

    Mahindra & Mahindra has added a new trim of its most successful SUV to date, the Mahindra Scorpio. The new variant is christened as the S9 variant. The Mahindra Scorpio S9 has been priced at Rs.13.99 lakh (ex-showroom, Delhi) and is placed under the S11 trim of the vehicle in the Scorpio line-up. The S9 variant was originally available when the current gen of the vehicle was introduced in 2014. It is being reintroduced now.

    The Indian automaker stated that the new variant will be available across the company’s dealerships all over the country and will come with a number of features. The S9 variant is Rs.1.4 lakh cheaper than the S11 variant and just Rs.60,000 more expensive than the S7 variant. It is equipped with static blender projector headlamps, ORVMs with integrated turn indicators, LED light guides, hydraulically assisted bonnet, fog lamps, and cushion suspensions with anti-roll technology. The SUV will also offer features such as automatic climate control and a 5.9-inch touchscreen infotainment system. However, the infotainment system will not have an integrated Apple CarPlay or Android Auto feature. It is also offering features such as voice assist system, Intellipark, ABS, dual front airbags, steering mounted audio controls, and so on. It is powered by the same 2.2-litre mHawk diesel engine that is mated with a 6-speed gearbox and has been tuned to produce 140 bhp of max power and 320 Nm of peak torque.

    12 December 2018

Third Party Car Insurance VS Comprehensive Cover Reviews

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  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
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