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What is Comprehensive Car Insurance?
What is Comprehensive Insurance? A Comprehensive Car Insurance Policy or comprehensive insurance is a type of motor insurance plan that covers car-related expenses arising from accidents, calamities, & other covered instances. The policy covers both Third-party liability cover & Own-Damage Cover.
Top Features of Comprehensive Car Insurance Policy
The following are the key features of a Comprehensive Car Insurance Policy.
In one policy, you get both the legally required third-party coverage and coverage against damages to your own vehicle.
Cashless repair in a network garage in the unfortunate event of your insured car sustaining accidental damages.
Coverage against third-party liabilities like accidental injury, death or property damage caused to a third party.
Compensation for costs arising from damages caused by natural and manmade disasters like fires, floods, riots, etc.
Coverage in the event of your four-wheeler getting stolen or if it incurs damage beyond the scope of repair.
Option to select add-ons to further customise and enhance the coverage of the policy.
Inclusions
Exclusions
Accidental damages to your car.
Damages to your car due to calamities such as riots, cyclones, earthquakes, etc.
Damages to your car due to fire accidents.
Damages to the third-party property/vehicle.
Injury/disability or death of the third party.
Personal accident cover (mandatory cover to be purchased separately).
Total loss or theft of the insured car.
Damages to your car while being transported.
Damages to the car while driving under the influence of alcohol or other intoxicating substances.
Damages to the car due to electrical and mechanical breakdown.
Damages to the insured car while driving without a valid Driving Licence.
Wear and tear components like tyres, clutch plates, etc.
Damages to the car due to negligence or careless driving.
Damages to the insured car due to illegal racing or overspeeding.
Benefits of Comprehensive Car Insurance
Here are the key benefits of Comprehensive insurance coverage for cars.
Wide-Ranging Coverage
Comprehensive car insurance meaning stands for a policy that provides comprehensive coverage benefits like third-party liability coverage and own damage coverage.
Financial Backup
It saves you from financial losses due to damage to your car and damage to the third-party property or injury/death of a third party.
Compulsory Personal Accident Cover - Owner cum Driver (CPA)
Along with the Comprehensive insurance, you also need to buy the PA (Personal Accident) cover that provides coverage against injury/disability or death of the vehicle owner.
What are the Add-on Covers Under a Comprehensive Car Insurance Policy?
Here are the add-ons under the Comprehensive Car Insurance policy from ACKO.
Zero Depreciation Cover
The add-on nullifies the depreciation costs considered by an insurer during claim settlements.
Engine Protection Cover
The add-on provides coverage against engine, gearbox and differential damages.
Return To Invoice Cover
The add-on allows you to claim the amount as per the invoice value in case of vehicle theft or total loss.
Consumables Cover
The add-on covers the cost of consumables (engine oil, nuts and bolts, oil filter, etc.)used during the repair of the insured vehicle
NCB Protect Cover
The add-on protects your No Claim Bonus even if you raise a claim against your car insurance policy.
Key Replacement Cover
The add-on covers the cost of repairing/replacing the keys and lockset if they are damaged or stolen.
Outstation Emergency Cover
The add-on covers any accidental damages or breakdown occurring outside a 100 km radius of your residence.
Roadside Assistance Cover
The add-on provides 24x7 roadside assistance (towing, puncture repair, etc.) in case of vehicle breakdown.
PA Cover for Passengers
The add-on provides Personal Accident (PA) cover to passengers. It includes injury/disability or death due to an accident.
Who Should Buy Comprehensive Car Insurance?
You should buy a Comprehensive Car Insurance Policy if you belong to any of the following categories.
New car owners
If you live in a metropolitan city
If you live in a high-risk area.
Luxury car owners.
New drivers.
If you are a road tripper.
Top Reasons to Buy a Comprehensive Car Insurance Policy
Here are the top reasons to opt for Comprehensive insurance for your car.
Own Damage Cover
The Comprehensive policy provides comprehensive coverage that includes coverage against damages to your car and saves you from financial losses incurred due to accidents, calamities, theft, etc.
Add-On Covers
With the Comprehensive insurance plan, you have the option to purchase add-on covers that enhance the policy coverage.
Cashless Claims
You can avail of cashless claims with a Comprehensive policy. You can get the car repaired at network garages, and the insurer will take care of the repair bill.
How to Calculate Comprehensive Car Insurance Premium
Insurers usually have a car insurance premium calculator tool on their website. You can make use of this tool by inputting your car and previous policy details (if applicable). Based on these details, the tool will generate a quote representing the applicable policy premium.
The premium payable for a policy is usually computed based on the following formula.
Premium payable= Fixed third-party insurance premium + (Own Damage component - NCB and other discounts (if applicable)) + Add-ons cost.
How to Buy Comprehensive Car Insurance Online
Here are the steps to buy Comprehensive Car insurance online from ACKO.
Step 1: Download the ACKO app or go to the top of this page.
Step 2: Enter your vehicle number and previous policy details (if applicable).
Step 3: Select the Comprehensive insurance plan and pay the premium online to instantly buy the policy.
Comprehensive Car Insurance Claim Procedure
Here are the steps to raise a claim against Comprehensive car insurance from ACKO.
Step 1: Download the ACKO app or visit the website to log in to your ACKO account.
Step 2: Click on “Register a Claim” on your policy card.
Step 3: Provide the necessary details and upload the documents, if required to raise a claim.
Frequently Asked Questions
What is the difference between car insurance and comprehensive car insurance?
In general, car insurance refers to a motor insurance plan that provides coverage to a car. Comprehensive car insurance refers to a specific plan that offers own damage and third-party coverage.
Is Comprehensive insurance free?
No, Comprehensive insurance is not free. You must pay the premium while buying such a policy.
Can I put comprehensive insurance for my car?
Yes, you can buy Comprehensive insurance for your car. It is an optional pan that provides own damage coverage and third-party coverage.
Is bumper covered under insurance?
The bumper is covered under the Comprehensive car insurance plan.
What is the benefit of Comprehensive insurance?
The main benefit of Comprehensive insurance is that it offers own damage coverage. That means it covers damages to your car.
What is the difference between full insurance and comprehensive insurance?
Full insurance and Comprehensive insurance are the same. They are two different terms which refer to the Comprehensive Car Insurance Policy.
What does Comprehensive coverage mean?
In car insurance, Comprehensive coverage means that your four-wheeler is financially secured against own damages (theft, accidental damages and damages induced by manmade or natural calamities) and third-party liabilities.
Is it compulsory for car owners to have Comprehensive Insurance?
No, unlike a Third-party Car Policy, it is not compulsory for car owners to possess Comprehensive Insurance coverage. Nevertheless, it is valuable because it financially shields against different scenarios.
Is the best car insurance Comprehensive cover or Third-party Cover?
Comprehensive Car Insurance is the best among the two, as it offers more coverage than Third-party Insurance.
Are natural disasters like Tsunamis covered under a Comprehensive Car Policy?
Tsunamis and other such natural disasters can be covered under a Comprehensive Car Policy as per policy terms.
Is it possible to upgrade from a Third-party to a Comprehensive Insurance Policy?
Yes, it is possible to upgrade from a Third-party to a Comprehensive Insurance Policy during policy renewal. Alternatively, if you are already covered under a long-term Third-party Policy, you can buy an Own Damage (OD) Standalone Cover. That way, you will have the coverage of a four wheeler comprehensive policy.
Does Comprehensive Insurance cover accidental scratches to my car?
Yes, Comprehensive Insurance coverage includes accidental scratches to your car as per the terms and conditions of the policy.
Is Comprehensive Insurance full coverage?
Yes, Comprehensive Insurance (and its variants) offers the highest coverage you can buy for your car. Add-ons can also be purchased to further enhance coverage. For car insurance full coverage cost, you can head to our website and refer to the car insurance calculator tool.
How to choose an ideal Comprehensive Insurance Plan?
You can choose an ideal Comprehensive Insurance Plan by comparing policies online. Comparisons can be made based on criteria like coverage, number of network garages, claim process, Claim Settlement Ratio (CSR), etc.
Does having just Comprehensive Insurance mean that I need to buy the legally mandated third-party cover separately?
No, if you have a Comprehensive Policy, you do not need to buy a third-party cover separately. The reason is, a Comprehensive Policy includes the government-mandated third-party cover.
What is the Comprehensive Car Insurance price at ACKO?
The prices of our Comprehensive Car Insurance Plans differ from one car variant to another. You can visit our website and get a free quote by selecting a preferred plan and other coverages.
How long is a Comprehensive Car Insurance Policy valid?
The validity of Comprehensive Car Insurance is usually a year. However, if you opt for a long-term policy, coverage will extend based on the number of years you select at the time of purchase.
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Need More Help?
Have queries related to ACKO’s car insurance policies? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below
Email
Write to us at [email protected]
Phone
Call us on 1800 266 2256
ACKO General Insurance Limited
2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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CIN: U66000KA2016PLC138288
IRDAI Registration No: 157
Category: Non-Life Insurance
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