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Partial and Full Coverage Car Insurance: Comparison and Considerations

What is Partial & Full Car Insurance Coverage?

Meaning of Partial Car Insurance Coverage

Meaning of Full Car Insurance Coverage

The Comprehensive Full Car Insurance Coverage Plan provides coverage for all types of damages, whether they are caused by third parties or by the insurer. It also includes theft and natural disaster damages. However, you may also claim a bonus for the same during the renewal term if no claims have been made for more than a year.

Moreover, a Full Car Insurance plan allows you to personalise your covered stated value and put on additional parts for enhanced protection in contrast to a partial auto insurance coverage plan.

Nevertheless, you can see the distinction between partial and full auto insurance coverage in the table below.

Points of Comparison

Partial insurance coverage

Full Insurance Coverage

Meaning

This is a mandatory insurance policy required to drive on Indian roads. It offers protection against third-party obligations.

A comprehensive motor insurance policy provides full auto insurance coverage. It covers both own and third-party damages.

Coverage

This is a mandatory insurance policy required to drive on Indian roads. It offers protection against third-party obligations.

A comprehensive motor insurance policy provides full auto insurance coverage. It covers both own and third-party damages.

Benefits

The benefit of partial car insurance coverage is that if you unintentionally cause harm to someone on the road or damage to their vehicle, you won't be responsible for paying for it out of pocket.

The benefit of having full coverage car insurance is that it offers protection from both your own and third-party damage. Further, you can avail a no-claim bonus if the insurance remains unclaimed throughout the year.

Limit

Does not offer coverage for personal vehicle damage.

Has no restrictions but costs more than partial auto insurance.

Premium Rates

The premium rates for this insurance coverage are set by IRDAI, and it is comparatively affordable.

The add-ons you choose, as well as the make and model of your automobile, will affect the premium costs for this insurance plan.

Customisation

The terms of this insurance coverage cannot be altered.

You can customise this insurance policy. There are add-on options like zero-depreciation, breakdown assistance, etc.

Things to Consider While Purchasing Car Insurance

Why Should You Upgrade to Full Car Insurance Coverage?

FAQs About Partial & Full Car Insurance Coverage