• Third Party Car Insurance VS Comprehensive Cover

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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

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    Third Party Car Insurance VS Comprehensive Cover Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC Ergo Car insurance for a while now. I pay a premium of 19000 per year. I never had any claim experience with the policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • New India Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've two cars and one of my car is insured with the New India Assurance. It has got No additional features, I never had any claim experience with the policy. I never faced any issues with their services too. So far it has been a good experience with the policy and I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've bee using the National Insurance Car insurance policy for a while now. My Swift is insured with the National Insurance., I am paying 12000 per year and never had any claim experience with the policy. The policy also offers bumper to bumper coverage. So far it has been a good experience with them and no troubles yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • New India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. Customer service and response is good regarding documentation . I came to know through on-line website about this policy .I pay annually through on-line banking.overall am satisfied with this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I got Car insurance from Icici Lombard general insurance through tata finance As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annual through on line banking
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Royal Sundaram Car Insurance
      "Pathetic policy"
      0.5 3.0/5 "Satisfactory"
      I had a pathetic claim experience with Royal sundaram car insurance policy. Process was very slow. Finally i could not claim my policy. They are very confusing terms and condition for their policy. In their own services, the process is very slow. After i had many struggles, i have claimed the policy. Even though i never got the claim what i expected. For the first premium i have paid Rs.19000. I have been using this policy for 2 years. Cashless carriage also very less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Oriental Insurance Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the Oriental Insurance company. I pay a premium of 20000 Per year, they also offered me a very good IDV value of 291000. I do not have any claim experience with the policy and I make payments at the branches. SO far is has been a good experience in terms of features and benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2018
    • Chola Ms Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the Cholamandalam Insurance company. They offers Bumper to Bumper coverage for my card and they offered me a fair IDV value. I pay a premium of 24000 per year. I claimed this policy once and they processed a claim 23000 and deducted almost 2400. For such a small claim the charges are very high as far as I am concerned.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance and i pay a premium of Rs 9900 for this insurance. They cover only thirds party damages in this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Lombard Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the ICICI Lombard general Insurance. I pay a premium of 5000 Per year, The IDV value is good. There is cashless garage facility. Overall I am happy with the features and benefits of the policy even though I never had any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • New India Car Insurance
      "Okay "
      0.5 3.0/5 "Satisfactory"
      I have insured my four wheeler with New India Assurance company. Customer service is okay one with them. Response is also okay one with the New India Assurance company. Plan benefits are fine one with the New India Assurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Reliance General Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a car isnurance policy with the Reliance General Insurance Company . I pay a premium of 10000 Per year . The IDV value is fair. I do not have any claim experience with the policy and they offers cashless garage facility as a part of this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • New India Car Insurance
      "Good discount "
      0.5 5.0/5 "Blown Away!"
      Recently I took a insurance policy for my car .The service provided by the company is good and the discount which we can avail is high which is a great initiative and helpful for the customers .I recommend to take policy with new India .thank you
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 09, 2018
    • Royal Sundaram Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Sundaram general insurance from last 1 year, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance and they gave road side assistance for this insurance. A premium of Rs 14500 has to be paid for this insurance and the coverage value is good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 08, 2018
    • National Insurance Car Insurance
      "Best"
      0.5 4.0/5 "Great!"
      I have insured my car with the National Insurance company. I would like to say that the customer service is good one with them and the premium value is also good too. Coverage value is nominal one for me with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • Iffco Tokio Car Insurance
      "Okay to buy"
      0.5 3.0/5 "Satisfactory"
      I had four wheeler insurance policy with the IFFCO TOKIO General insurance company. I felt like that the customer service is good one and the response is also better one too. Everything is better one with the IFFCO TOKIO General insurance company.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 07, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with United India Insurance from last 7 years and it is a good policy to use. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10000 for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • Tata AIG Car Insurance
      "Have to Improve the Services"
      0.5 5.0/5 "Blown Away!"
      I used to pay the premium of Rs. 2000. Actually my car got damaged to Rs. 50 K but they have given only Rs. 20000 for the claim amount. I have called to the customer care for my policy documents. I used to make the payment through online. I don't receive a hard copy and soft copy to my home. For that i have to reminded them for 2 to 3 times. After the follow up of 3 week they sent my hard copy to my residence. The claim experience is very bad. Their is no proper response from them when i approached the claim.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 06, 2018
    • review Car Insurance
      "Trust worthy policy"
      0.5 4.0/5 "Great!"
      It is a tax benefitable. It has easy claim policy. The showroom people of Hyundai recommended the Bharati Axa insurance. I used to pay the premium of Rs. 6400 every years. They are not providing any road assistance. I never had any claim experience so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 06, 2018
    • United India Car Insurance
      "Good Car Insurance"
      0.5 3.5/5 "Pretty good"
      So far i don't have any kind of difficulties with them. I have never called to their customer since i don't need it. Cashless garages are available. Roadside assistance is not available. I used to make the premium of Rs less than 5000. It is a tax benefitable policy. I have never had a claim experience with united India car insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 03, 2018
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