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What Does Third-Party and Comprehensive Car Insurance Cover?

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anshi roy

Depending on the type of car insurance plan you choose to buy i.e. third-party or comprehensive policy, you will be receiving coverage. Now let's have a detailed look at what each type of car insurance policy covers in India.

Third Party Car Insurance Offers Coverage for the Following 

It's important to note here that the third-party is mandatory for all types of vehicles plying on the road as per the Motor Vehicles Act, 1988. The policy will offer:

  • Protection against third party legal liability
  • Personal Accident cover for Owner/Driver is offered under this plan.
  • Compensation against third party property damage.

Comprehensive Car Insurance Offers Coverage for the Following

The comprehensive car insurance plan covers third party legal liability as well as own damage due to a number of manmade and natural calamities. It is always advisable to opt for a comprehensive car insurance to have an ultimate protection.

  • Self-ignition, Fire, Lighting, and Explosion: The package plan from covers the expenses uncured from fire, explosion, self ignition and lighting, etc.
  • Riot and Strike: The package car insurance plan covers any damage to your four wheeler vehicle caused due to the riots and strike.
  • Malicious Acts:  package plan also covers damages to the vehicle incurred due to various malicious acts.
  • Fire & Earthquake: Given that both fire and earthquake are seen as one of the most common phenomenon, the package car insurance plan covers these two significant distasteful incidents as well.
  • Terrorist Act: The plan covers any damage to the vehicle due to various human activities of terrorism.
  • Any damage to the car resulting from Landslide or Rockslide is covered under this plan.
  • Also covers damage to the vehicle from various natural calamities such as flood, storm, typhoon, hurricane, cyclone, inundation, tempest, hailstorm etc is also covered under this package plan.
  • Covers accidental damage to the vehicle by any external means
  • Housebreaking or theft, burglary: This car insurance plan covers the costs uncured from burglary, theft, housebreaking etc.

From the above discussion, you should have gathered at least a little idea about different types of coverage that each car insurance plan offers. One thing to keep in mind here is that you should always compare different types of car insurance plans online before renewal. Meanwhile, you can click here to have an ideal car insurance policy for your cherished vehicle.

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anshi roy
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