What is Comprehensive Insurance and What Does it Cover?

Damage Due to Accidents: Includes the repair costs of damage caused by accidents. 

Theft and Vandalism: Provides protection against loss or damage caused by theft and vandalism. 

Fire and Explosion: Covers damages due to fire, lightning, spontaneous combustion, or self‑ignition.

Natural Disasters: Offers coverage for damage caused by floods, hail, storms, earthquakes, cyclones, and more.

Third Party Liability: Protects against legal liabilities that arise from damages and injuries caused to third parties. 

Personal Accident Coverage: Offers compensation for personal injuries or death caused to driver-owners. 

Animal Collisions: Provides coverage for damages caused by collision with animals. 

Damage from Falling Objects: Offers coverage for the damage caused by falling trees or debris on the vehicle. 

Wear and Tear: Regular wear and tear or mechanical fault of the vehicle are excluded. 

Drinking and Driving: Excludes the damages caused while driving after drinking alcohol or consuming drugs. 

Electrical/Mechanical Breakdown: Does not include the failures caused by accidents. 

Illegal Use: Excludes the damages that occurred during any illegal activity or use of the vehicle for an unlawful purpose. 

Unauthorised Use: Damages caused to vehicles when driven by an individual without a valid driving license. 

You have paid a premium amount monthly or annually for the coverage. 

Choose a deductible amount, preferably a higher one. The higher you choose the deductible amount, the lower your premium will be. 

You will opt for filing a comprehensive claim if the damage to your car is caused by a storm, theft, fire, or vandalism. 

The insurance company will be responsible for paying the repair or replacement costs minus the deductible amount, up to the actual cash value of your car. 

Engine Protection Cover: Includes repairing and replacing damaged engine parts due to water or oil leakage. 

Zero Depreciation Cover: Prevents paying for the depreciation costs of your car during claim settlement.  

Return to Invoice Cover: Pays the on-road invoice value fully if your car undergoes theft or suffers a full loss. 

NCB Protect Cover: Shields your No Claim Bonus even if you file a claim. 

Consumables Cover: Include coverage of the cost of items such as nuts, bolts, and lubricants replaced during the repair process. 

Key Replacement Cover: Includes the replacement cost of car keys. 

PA Cover Applicable for Passengers: Provides accidental benefits coverage of up to ₹15 lakhs for injured passengers in an accident. 

Outstation Emergency Cover: Covers any breakdown or accidental coverage outside a 100 km radius of your place. 

Roadside Assistance: Includes coverage for services such as fuel delivery, minor repairs, and towing when stranded on the road during travel. 

Additional Car Protection: Provides insurance for installed accessories or electrical add-ons, such as speakers, chargers, against loss and damage. 

Electrical Accessories Cover: This add-on provides coverage for electrical accessories such as indicators, AC, headlights and odometers.