What is Comprehensive Car Insurance?
A comprehensive car insurance is an all-inclusive car insurance policy that covers you from both third-party damages and losses and own damages. This includes protection from unforeseen losses such as amid an accident, natural calamity, fire or theft.
Additionally, with Digit’s Comprehensive Car Insurance, you can customize your policy further with a range of add-on covers such a zero depreciation cover, return to invoice and breakdown assistance among many others.
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What is Covered in Comprehensive Car Insurance?
Even the tiniest accidents can cause so much trouble! That’s why this covers for you and your car during all unfortunate accidents.
Unfortunately, if your lovely car is stolen – your comprehensive car insurance will help make the situation better! 😊
It’s time to stop getting bitter over strangers for accidents both major and minor and let your comprehensive car insurance take care of the same!
Nature’s many furies are not in your hands! Therefore, don’t worry if a flood or cyclone damages your car. If you have a comprehensive car insurance policy in place, you’ll be covered!
Accidents can lead to not only car damages but personal injuries too! A comprehensive car insurance ensures you’re protected for in the likelihood of the same. (provided you have the PA cover).
Even a small fire can lead to major damages of your car or its parts! That’s why, a comprehensive car insurance ensures you don’t need to bear the brunt of it.
Add-ons to Customize your Comprehensive Car Insurance
Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.
If your car is less than 5 years old, get this cover to avoid paying for the cost of depreciation during your car insurance claims. Read more about Zero Depreciation Car Insurance.
We all need a little help sometimes! That’s why we have this cover to help you out in situations where you need a helping hand. Read more about Roadside Assistance.
Similar to an engine gearbox cover. Except this one covers and protects for your tyre in all possible situations, apart from just an accident. Know more about tyre protect add-on.
A car insurance will only cover for engine or gearbox damage when it happens in an accident but, this cover lets you protect your engine and gearbox in all possible situations. Read more about Engine Protection cover.
Ideal for new cars, this cover gives you the benefit of literally keeping your car as good as new. In case of a theft, or damages beyond repair this cover gives you back the complete value of your car’s invoice value. Read more about RTI in car insurance.
Every small thing makes a difference. That’s why, this cover is dedicating to protecting all your car’s nitty-gritties such as engine oils, screws, nuts and more, regardless of any accidents. Read more about Consumable cover.
Your comprehensive car insurance already covers for you but why not protect for the person riding with you, too? Read more about Passenger Cover.
What’s Not Covered?
It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.
Any claims made in a situation where you were driving drunk won’t be considered.
You can’t make claims if you were driving without a valid driver’s license.
This is pretty obvious, isn’t it? In case you haven’t bought a particular add-on you can’t claim for its benefits!
Consequential damages are those that take place after the accident. Unless covered for in an add-on, such damages can’t be covered.
To simply put it, don’t do things you aren’t supposed to! 😊 For example; if there are floods in your city, don’t take the risk and take your car out. Listen to your manufacturer’s manual cause such negligences can’t be covered!
In case you have a learner’s license, you should be driving with a valid license holder. Your car insurance won’t cover for you otherwise.
Difference between Third-Party & Comprehensive Car Insurance
| Third-Party | Comprehensive |
Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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Damages/Losses to own car in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your car |
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Doorstep Pick-Up & Drop |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
Benefits of a Comprehensive Car Insurance
Who should buy a Comprehensive Insurance for Car?
Buying a new car is almost like a milestone for most people. After already spending so much on your new car, the least you should do for your car and your peace of mind is protect it with a comprehensive cover.
Driving in bigger, metro cities always has its own set of risks given the rise in traffic, accidents and even pollution. Therefore, to be on the safer side it’s always better to protect your car with a comprehensive car insurance.
If you’re one of those who owns a stunning BMW or Audi, you should definitely opt for a comprehensive car insurance that won’t only protect your car from damages and the risk of thefts but, will also save your pocket from any other unexpected losses!
It’s okay to feel a little possessive about your dear car. Sometimes, even a small scratch can hurt! If you’re someone who is picky about anything happening to your car, then this goes without saying- that you need a comprehensive car insurance!
We’re a little a clumsy sometimes but some of us, maybe more than the rest! If you’re someone who’s always prone to little accidents and mishaps, then it’s better you opt for a Comprehensive Car Insurance that will help you and your car in all them clumsy situations!
If you often take the country down by road then getting a comprehensive car insurance is almost compulsory! After all, the last thing you want while traveling is unexpected losses. Besides, a comprehensive cover also lets you opt for breakdown assistance, that you could benefit from while traveling across the country.
Why should you upgrade to a Comprehensive Car Insurance?
To ensure your car is protected too! More often than not, people make the mistake of only getting a third-party car insurance only because it’s cheaper. However, what they don’t realize is that even in the case of a small accident and damages to one’s own car, they’ll have to shell out money from their own pocket. Instead, just spend a little more on a comprehensive car insurance policy and be relieved from any unexpected expenses!
Why should you buy Comprehensive Car Insurance by Digit?
FAQs about Comprehensive Car Insurance Policy
How is a comprehensive car insurance different from the zero-depreciation car insurance?
They're two completely different things! A comprehensive car insurance is a type of car insurance policy, while the zero depreciation is an add-on you can opt for in your comprehensive car insurance policy.
Is it a good idea to buy comprehensive car insurance for an old car?
This depends on how old your car is, and how often you use it and how much longer you plan to use it. If your car is still under 15 years old and you do use it on a regular basis, getting a comprehensive car insurance won’t even cost you much, and will ensure you don’t need to spend on it in the case of any unfortunate situations.
When to purchase a comprehensive car insurance policy?
The ideal time to purchase a comprehensive car insurance policy is when you’ve just got your car. However, it’s never too late! If you currently only have a third-party policy you can upgrade with an Own Damage cover or, if your policy is due for renewal soon – just renew with a comprehensive car insurance policy this time 😊