Comprehensive Car Insurance
Comprehensive car insurance covers both third-party liabilities and own damages to your vehicle caused by accidents, theft, fire, natural disasters, and more. It's the most inclusive form of car insurance available in India.
Benefits of Comprehensive Car Insurance
- Covers both own damage and third-party liability
- Protection from natural and manmade disasters
- Peace of mind while driving
- Option to enhance coverage with add-ons
Why Choose Comprehensive Car Insurance?
Unlike third-party insurance, comprehensive plans cover a wide range of situations, making them ideal for people who want all-around protection.
What is Covered?
- Own damage (fire, theft, natural disasters, etc.)
- Third-party liability
- Personal accident cover
- Add-ons like zero depreciation, engine protection, roadside assistance
What is Not Covered?
- Driving under influence
- Driving without a license
- Mechanical breakdowns
- Wear and tear
Who Should Buy It?
Car owners looking for broad financial protection against most risks.
What Add-ons are Available?
- Zero depreciation cover
- Engine protection
- Roadside assistance
- NCB protection
Premium Comparison Table
| Car Variant |
Approx. Annual Premium (₹) |
| Hatchback | ₹6,000 |
| Sedan | ₹7,500 |
| SUV | ₹10,000 |
| Luxury | ₹20,000+ |
How is the Premium Calculated?
Premium depends on Insured Declared Value (IDV), vehicle's age, location, cubic capacity, type of coverage, and chosen add-ons.
How to Buy Comprehensive Car Insurance?
- Compare plans from top insurers on GoCover
- Select necessary add-ons
- Fill in vehicle details accurately
- Make secure payment
- Get policy instantly on email and WhatsApp