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Comprehensive car insurance is essential as it offers financial protection against various types of damages. This can include theft, weather-related damages, accidents, and more. It ensures you do not bear the entire cost of repairs or replacement if such unforeseen events damage your car.


On Bajaj Markets, you can explore affordable comprehensive car insurance plans from leading insurers. You can get plans with premium amounts starting from just ₹2,094. By exploring and comparing plans from various issuers, you can choose the right one and purchase it conveniently.

An Overview of Comprehensive Car Insurance

Comprehensive car insurance is ideal for you if you are a private car owner looking to financially protect your vehicle from various risks. Here are some important points to note about this plan:

  • This type of motor insurance includes third-party car insurance as well as standalone own-damage cover

  • It covers damages to your vehicle due to accidents, fires, natural disasters, theft, and other liabilities

  • The insurance provider has a network of garages that repair your car without any payments, as the company settles the bills directly

  • Note that it provides coverage only for the damages included in your plan, and you need to pay for exclusions and deductibles

Coverage Under Comprehensive Car Insurance

An insurance plan comes with certain inclusions and exclusions. The company only covers the included damages, and you are responsible for covering the rest. Here are some common inclusions and exclusions:

1. Inclusions:

  • Natural Calamities 

You get cover for damages caused to your car by natural calamities like fire, flood, earthquake and more.

  • Man-made Calamities 

These plans also provide coverage for damages by man-made calamities such as riots.

  • Damages to Third Parties 

You also get financial support for damages to a third party, including damage to their property or loss of life.

  • Personal Accident Cover 

You also receive a personal accident cover if you have a comprehensive car insurance plan. 

2. Exclusions:

  • Driving Without a Valid Driving Licence 

The insurance company will not entertain claims for damages that occur when you are driving without a valid driving license.

  • Drunk Driving 

The insurer will refuse your claim requests if you are found to be under the influence of alcohol at the time of driving.

  • Wear and Tear 

Any damage caused due to general wear and tear is typically not covered in a comprehensive car insurance plan.

  • Inactive Policy 

You will not get financial support for damage or loss to your vehicle while the policy is inactive or lapsed.

  • War, Mutiny, and Other Risks 

Most insurers will also not entertain damages during a war-like situation, mutiny, and nuclear risks.

Add-on Covers Under a Comprehensive Car Insurance Policy

To enhance the coverage of the policy, you have the option to include add-on covers to your plan. You can get these by paying an additional premium price. Here are some add-ons you can get for your car:

  • Zero Depreciation Cover 

This add-on eliminates depreciation costs that insurers typically consider when settling your claims.

  • Roadside Assistance Cover 

This gives you 24x7 roadside assistance if your vehicle breaks down.

  • Personal Accident Cover for Passengers 

This add-on provides cover for an injury or death from an accident.

  • Consumables Cover 

This covers the cost of engine oil, bolts and nuts, oil filters, etc., used during repairs of your insured vehicle.

  • Key Replacement Cover 

With this, you get cover for the cost of repairing or replacing your keys and lock in case of damage or theft.

  • Engine Protection Cover 

This add-on provides coverage against damages to the engine of the car.

  • Outstation Emergency Cover 

This add-on covers accidental damages or breakdowns to your car that occur outside a certain limit.

 

Benefits of Comprehensive Car Insurance

Getting this insurance plan for your vehicle comes with a wide range of benefits. Here are some of the advantages you must know about:

Financial Support

Car insurance protects you from financial losses caused by damage to you, your vehicle, third-party, or property

Comprehensive Coverage

These insurance plans offer extensive coverage benefits, including liability coverage for third parties and coverage for damage to your own vehicle

Stress-free Travels

With insurance, you can travel without any worries as you need not pay to get your car repaired in case of damages

No Claim Bonus (NCB)

This is a reward that insurance providers offer for a claim-free year, resulting in a higher sum insured at low premium costs

Who Should Buy Comprehensive Car Insurance

While getting car insurance is a smart investment for all, the following should especially get a comprehensive plan:

  • New Car Owners 

To protect your new car from various risks, you must purchase comprehensive insurance coverage for your car.

  • Residents of Metropolitan Cities 

Getting insurance is essential if you live in these cities as they have heavy traffic, pollution, and frequent accidents.

  • Residents of High-risk Areas 

You must get this insurance plan if you reside in areas that are more prone to accidents or hazards like landslides, or floods.

  • Luxury Car Owners 

Getting insurance could be smart if you own a luxury car because the financial loss will be high in case of damage or theft.

Comprehensive Car Insurance for an Old Car

This insurance plan covers all types of cars, whether new or old. While it is essential for new cars, you can also insure your old car if you still use it. However, before getting comprehensive insurance, consider your car's age and how long you intend to keep using it. 

 

If you intend to use your old car for some years, opting for comprehensive car insurance would be a wise and cost-effective choice. Older cars typically have lower market values, which means you can insure your car for a lower premium.

How to Get Comprehensive Car Insurance Online

You can get a comprehensive insurance plan for your car on Bajaj Markets. This platform allows you to compare and apply for policies from various leading insurance companies. Here are the steps you need to follow:

  1. Click on ‘CHECK PLANS’ on this page

  2. Enter your car number, contact number and PIN code to get a quote

  3. Evaluate the offers and choose as per your needs

  4. Fill out the form and upload the necessary documents, if required

  5. Pay the premium and save the policy after successful payment

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