How to Choose the Best Car Insurance?

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Types of Car Insurance Policies You Can Avail

Before looking for potential insurance policies to choose from, you will first need to know the types of car insurance available in the market. Once you understand the types, you can easily dig further to know the underlined features and check with your budget, need and priority.  This way, you will find out how to pick the best car insurance to protect yourself from unforeseen financial liabilities.

There are two types of car insurance policies available in the market. These are:

  1. Third-party liability car insurance
  2. Comprehensive car insurance

Parameter

Third-Party Car Insurance

Comprehensive Car Insurance

What it entails

It is a type of car insurance which covers the financial liabilities arising from any damage or loss to a third party property/ vehicle or from the death or injury to a third person involved in an accident with the insured vehicle.

This car insurance policy covers not only third party damages but also losses arising from damage to the insured vehicle.

What is covered

1. Injury or death of a third person involved in an accident with your vehicle. 2. Damage to third party vehicle or other property. 3. Personal accident cover – This is to protect you from losses and damages that could happen if you, the owner or driver, got injured in an accident.

1. Losses and damages to the third party. 2. Personal accident cover. 3. Car theft. 4. Damages due to natural calamities, fire, etc.

According to the Global status report on road safety 2013, more than 2,31,000 people were killed in road accidents in India. Further, the Ministry of Road Transport and Highways has issued that the number of road accident increased by 0.46% in 2018 from the previous years.

Keeping these numbers in mind, you will need to determine which car insurance policy you should purchase. Because, after all, purchasing car insurance is not only about being a law-abiding citizen but also for your safety. It is, thus, advisable to opt for comprehensive car insurance as it covers all unpredictable odds.

Now, take a look at how to choose a car insurance policy.

What all should your Car Insurance Policy Cover?

Parameters to look through before Purchasing a Car Insurance Policy

How to Choose the Right Car Insurance Company?

Frequently Asked Questions