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Difference Between Comprehensive and Third-Party Car Insurance Policy Explained

What is Comprehensive Car Insurance?

What is Third-Party Car Insurance?

Difference Between Third Party Car Insurance and Comprehensive Car Insurance

Third party and comprehensive insurance differ from each other regarding their purpose and coverage. Read the difference between third party insurance and comprehensive insurance:

Parameters Third Party Car Insurance Comprehensive Car Insurance
Meaning  This is the most basic car insurance plan that only covers damage and losses your car could cause to any third-party person, vehicle or property. This is an all-round cover for your car- it only takes care of your third-party liabilities but also covers you and your own car.
Coverage Details It only offers coverage for third-party damages and losses such as if due to an accident or collision, you hurt a third-party person, his/her vehicle or a third-party property. Additionally, it also includes a personal accident cover to protect you from personal injuries or death. The coverage under this is extensive as it not only protects you against damage and losses caused to any third party but also covers for damage and losses to you and your own car. For example: If your car faces damage due to the floods in the city, your comprehensive car insurance will cover it.
Advantages It protects you in case you accidentally hurt somebody on the road, or damage one’s vehicle/property.  This way, you know you don’t have to dent your pocket in the case of such incidents. It protects both damages to your own car and third-party damages as well. So, you won’t end up in any losses! Additionally, you can also benefit from NCB (No Claim Bonus) during car insurance renewals for every year you don’t make a claim!
Limitations It doesn’t cover for damages to your own car. It is slightly more expensive than a third-party car insurance.
Customization No customizations are possible under this car insurance plan. You can customize your car insurance plan by adding specific add-on covers.
Premium Price Cheaper than a comprehensive car insurance policy, the premium price here is predetermined by the IRDAI based on your car cc. Although higher in price, the premium here is based on many more factors such as the city you drive in, your car’s make and model and of course, the add-ons you opt for (if any).
Which is Better? If you are currently driving a very old car, or you rarely drive then maybe having a basic third-party insurance would be sufficient for you. Although slightly more expensive, this plan would give you complete coverage this proving to be more beneficial. Additionally, even if you don’t make any claims in a year, you can benefit from a No Claim Bonus discount during renewals.

Benefits of Buying a Comprehensive Car Insurance

Limitations of Comprehensive Car Insurance

Exclusions in a Comprehensive Car Insurance

Benefits of Buying a Third-Party Car Insurance

Limitations of Third-Party Car Insurance

Exclusions in a Third-Party Car Insurance

Why Should You Upgrade to a Comprehensive Car Insurance Policy?

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How to Choose the Best Car Insurance Policy for You?

FAQs about Comprehensive vs Third-Party Car Insurance