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Benefits of Comprehensive Car Insurance

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Car Insurance

Home / Car Insurance / Benefits of Comprehensive Car Insurance

Isn’t it a dream come true moment when we purchase a car of our own? It indeed is! Now, to secure this precious asset against uncertainties, it is mandated to have at least a third-party car insurance policy as per the latest Motor Laws. While a third-party policy may be mandatory, it does not provide sufficient coverage. To get extensive and all-around protection for your vehicle, you need to have a Comprehensive Car Insurance policy. So, read on to know the benefits of Comprehensive Car Insurance. 

Importance of Comprehensive Car Insurance
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The number of road accidents in India has been constantly rising. As compared to the previous year, there has been a 12% increase in the number of accidents. The data highlights the reason why having a valid car insurance policy is crucial to ensure protection against any such unexpected events that might take place on the Indian road. A Comprehensive Car Insurance policy is, in fact, one of the most effective types of car insurance policies as it offers all-around protection in case of any uncertainty. Want to know more about the benefits of Comprehensive Car Insurance? Scroll below to learn more.

  1. Third-liability Coverage: As per the Motor Vehicle Act of 1988, a third-party insurance policy is a must-have for all car owners. With a Comprehensive Insurance policy, you will be able to get coverage for third-party liability as well and ensure legal compliance with the Motor laws.

  2. Own-damage Cover: A Comprehensive policy also provides coverage for vehicle damage. This means that if the car sustains damage in an accident, it will be covered under this policy.

  3. Can be Customised: A Comprehensive Car Insurance policy, unlike other policy types, can be easily customised. This means that you can enhance the coverage of this policy with add-ons; however, you will have to pay a higher premium for the same. Some of the add-ons that you can include are Zero Depreciation Cover, No Claim Bonus Protector, Key Loss Cover, etc.

  4. Protection Against Unpredictable Events: This type of car insurance policy secures your vehicle financially against unpredictable events like vehicle theft. It also protects your car if there is damage to the car due to fire outbreaks, vandalism, flying objects, etc. 

  5. Ensures Peace of Mind: With a Comprehensive car Insurance Policy, you can stay stress-free, knowing that your vehicle is financially protected against any oddities that might take place on the Indian roads.

How to Buy a Comprehensive Insurance Policy for a Car with ACKO?
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Want to get complete protection for your vehicle with ACKO’s Comprehensive Car Insurance Policy? Then, here are the steps you need to follow:

Final Thoughts
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Thus, to sum up, a Comprehensive Insurance Policy is best suited for cars compared to the other policy types. This policy ensures utmost safety in case any uncertainty occurs on the Indian road. You can also customise it with a range of add-ons. 

Frequently Asked questions
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1.What are the benefits of a comprehensive insurance policy?

Some of the benefits of a Comprehensive Insurance Policy include third-party liability coverage, own-damage cover, customizable options, etc.

2.Which type of insurance is best for a car?

A Comprehensive Insurance policy is one of the most suitable policies for a car as it covers both third-party liability and own-damage cover.

3.Which car insurance is better, comprehensive or third party?

As compared to a third-party, a Comprehensive policy is better as it provides all-around protection.

4.Is comprehensive insurance better than zero DEP?

A Comprehensive policy is better for car that is new car; on the other hand, Zero Depreciation is better for cars that are older than 5 years.