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There are primarily two types of car insurance policies: Third-Party Car Insurance and Comprehensive Car Insurance. Let's take a closer look at each type:
Third-party car insurance is the minimum legal requirement mandated by the Motor Vehicles Act of India. It provides coverage against any legal liability arising out of the use of your car that results in bodily injury or death of a third party or damage to their property. It does not cover any damage to your own vehicle.
Comprehensive car insurance provides coverage for both third-party liability as well as damage to your own vehicle. It offers a broader scope of coverage and is a popular choice for car owners who want more comprehensive protection.
It extends protection to damages that may occur during transit, ensuring your vehicle is covered from start to finish.
Comprehensive car insurance policies allow you to customize your coverage by adding optional add-ons or riders to the policy. Some common add-ons include:
1
Provides services like towing, fuel delivery, battery jump-start, etc., in case of breakdowns.
2
Protects your accumulated NCB discount even if you make a claim during the policy term.
3
Covers repair or replacement of the engine in case of water ingression or hydrostatic lock.
4
Provides full claim without considering depreciation on car parts during repairs replacement.
5
Pays the difference between the insured declared value (IDV) and the invoice value in case of total loss or theft.
6
Covers the cost of consumables like engine oil, coolant, nuts, bolts, etc., during repairs.
It's essential to compare car insurance policies, understand the coverage, and choose the one that best suits your needs and budget. Additionally, always read the policy document carefully to know the specific terms, conditions, and exclusions.
While a comprehensive car insurance policy in India offers extensive coverage compared to third-party insurance, there are still certain exclusions that are not covered under a comprehensive car insurance policy. These exclusions may vary slightly depending on the insurance provider, but some common exclusions include:
General wear and tear of the car, including mechanical breakdowns and failures, are not covered.
Any loss or damage that arises as a consequence of the initial incident, such as engine damage due to driving through waterlogged areas, is usually not covered.
If the driver is found to be driving without a valid driving license, any claims arising from an accident may be rejected.
Accidents caused when the driver is under the influence of alcohol, drugs, or any other intoxicating substance are not covered.
Accidents occurring while the vehicle is being used for racing, speed testing, or other illegal activities are not covered.
If the vehicle is being used for commercial purposes without the appropriate insurance coverage, claims may be denied.
Damage caused by nuclear risks, war, terrorism, or any such perils are generally not covered.
The reduction in the value of the vehicle over time (depreciation) is not covered under the policy.
Damage due to electrical or mechanical breakdowns is usually not covered. However, it can be covered by purchasing an additional engine protection add-on.
Any damage or loss caused while the car is being used for illegal purposes or unlawful activities is excluded.
Any damage or accident that occurs outside the policy period is not covered.
Any damage to the car caused deliberately or intentionally is not covered.
Any loss or damage that arises as a consequence of the initial incident, such as engine damage due to driving through waterlogged areas, is usually not covered.
It's essential to read and understand the policy document carefully to know the specific terms, conditions, and exclusions of your comprehensive car insurance policy. Additionally, if you want to enhance the coverage for specific exclusions, you can consider purchasing add-ons or riders offered by the insurance provider.
Discover the Answers You Seek
There are primarily two types of car insurance policies in India: a. Third-party Car Insurance: Covers liabilities towards third-party damages or injuries. b. Comprehensive Car Insurance: Provides coverage for both third-party liabilities and damages to your car.
Yes, as per the Motor Vehicles Act, 1988, it is mandatory for all car owners to have at least third-party car insurance to drive legally in India.
Comprehensive car insurance covers a range of risks, including: a. Own damage due to accidents, fire, theft, vandalism, or natural calamities. b. Third-party liabilities for bodily injury or property damage. c. Personal accident cover for the owner/driver.
The premium for car insurance is determined based on factors like the car's make and model, age of the vehicle, geographical location, the Insured Declared Value (IDV) of the car, and the chosen add-on covers.
IDV is the maximum sum assured payable by the insurer in case of total loss or theft of the insured vehicle. It is calculated based on the car's current market value and depreciation.
Yes, car insurance can be transferred to the new owner when you sell your car. The transfer process involves informing the insurance company about the change in ownership and providing relevant documents.
Yes, you can enhance your car insurance coverage by opting for various add-on covers, such as zero depreciation cover, engine protection, roadside assistance, and consumables cover, among others. These covers come at an additional premium.
In the event of an accident, follow these steps: a. Ensure your safety and the safety of others involved. b. Inform the police and file an FIR if required. c. Exchange contact and insurance details with the other party. d. Inform your insurance provider and file a claim as soon as possible.
You can renew your car insurance policy online through the insurance company's website or a reputable insurance aggregator platform. Ensure timely renewal to avoid policy lapse.
Car insurance policies in India typically have a tenure of one year. However, some insurers may offer long-term policies of up to three years for Third Party Coverage.
NCB is a reward given by insurance companies to policyholders for not making any claims during the policy year. It is a discount on the premium at the time of renewal. The NCB percentage increases with each consecutive claim-free year.
Yes, the NCB can be transferred to a new car when you purchase one. You need to inform your insurance company about the transfer and submit the relevant documents.
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Remember that the answers provided in these FAQs are general in nature and may vary based on the specific terms and conditions of the car insurance policy and the insurance provider. Always read the policy documents carefully and seek advice from insurance professionals when necessary.
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Support mail: -
Claim mail: -
For Other Query: -
Phone Number: -
Corporate Office :-
Website approved by IRDA(Govt. of India),
ISNP Ref:
IRDA License Number:
Licensed on:
Valid Upto:
Disclaimer:
© 2026 - All Rights Reserved