Risks Covered Under Comprehensive Car Insurance In India 2024

Updated On: 2024-03-30

Author : Team Policybachat

Are you a car owner in India? If so, understanding the pros and cons of comprehensive car insurance is crucial to safeguard your vehicle against unexpected risks. Comprehensive car insurance offers extensive coverage, protecting you from a wide range of hazards beyond just accidents. From natural calamities like floods and earthquakes to theft and vandalism, this insurance policy has your back when life throws unexpected curveballs your way.

In this article, we’ll delve into the various risks covered under comprehensive car insurance in India, empowering you with the knowledge to make informed decisions about protecting your valuable asset. Let’s know how comprehensive car insurance can protect against unforeseen adversities.

What is a Comprehensive Car Insurance Cover?

Comprehensive car insurance cover is a type of insurance policy that provides extensive protection for your vehicle against a wide range of risks. Unlike basic third-party car insurance, which only covers damages caused by third parties involved in an accident, comprehensive insurance offers broader coverage. It typically includes protection against damages due to accidents, theft, fire, vandalism, natural disasters such as floods and earthquakes, as well as other unforeseen events. This comprehensive coverage ensures that you have financial support to repair or replace your vehicle in various situations, offering peace of mind and security on the road.

What is Covered Under Comprehensive Car Insurance

Comprehensive car insurance offers coverage for a variety of risks and scenarios, providing extensive protection for your vehicle. Here are the risks covered under comprehensive car insurance:-

  • Accidents: Comprehensive insurance covers damages to your vehicle resulting from accidents, whether you’re at fault or not. This includes repairs for both your car and the other party’s vehicle involved in the collision.
  • Theft: If your car is stolen, comprehensive insurance will reimburse you for the value of the vehicle or cover the cost of its replacement.
  • Fire Damage: Comprehensive insurance protects your vehicle against damages caused by fire, whether it’s due to an accident or arson.
  • Natural Disasters: Coverage extends to damages caused by natural disasters such as floods, earthquakes, cyclones, and storms, ensuring you’re financially protected in the event of such calamities.
  • Vandalism: If your car is intentionally damaged by vandals, comprehensive insurance will cover the repair costs.
  • Third-Party Liability: Comprehensive insurance also includes coverage for damages caused to third parties involved in an accident, including bodily injury or property damage.
  • Personal Accident Cover: Some comprehensive policies may offer personal accident cover for the owner-driver, providing financial assistance in case of disability or death resulting from a car accident.

What is Not Covered in Comprehensive Car Insurance

While comprehensive car insurance provides broad coverage for a variety of risks, certain exclusions are not covered under such policies. Some common exclusions from comprehensive car insurance include:

  • Wear and Tear: Comprehensive insurance does not cover damages that result from general wear and tear of the vehicle over time.
  • Mechanical or Electrical Breakdowns: Coverage usually excludes repairs for mechanical or electrical breakdowns that are not the result of an accident or covered peril.
  • Driving Under the Influence: Damages incurred while driving under the influence of alcohol or drugs may not be covered under comprehensive insurance.
  • Driving Without License: Any damages resulting from illegal activities, such as racing or driving without a valid license, are typically excluded from coverage.
  • Deliberate Damage: Intentional damage caused to the vehicle by the policyholder or any other individual is not covered.
  • Unapproved Modifications: Any damages arising from modifications or alterations to the vehicle that are not approved by the insurer may be excluded from coverage.
  • Commercial Use: If the vehicle is used for commercial purposes and the policy is for personal use, damages incurred during commercial activities may not be covered.
  • Loss of Personal Belongings: Comprehensive insurance typically does not cover the loss or damage of personal belongings inside the vehicle.
  • Damage to tyres: Damage to tyres from normal wear and tear, punctures, or bursting is usually excluded from coverage unless specifically included as an add-on.
  • Nuclear Risks: Damages resulting from nuclear accidents, radiation, or radioactive contamination are generally excluded from coverage.

Frequently Asked Questions (FAQs):

What is a Comprehensive Car Insurance Policy?

A comprehensive car insurance policy is a type of insurance coverage that provides extensive protection for your vehicle against a wide range of risks. It protects against damages due to accidents, theft, fire, vandalism, natural disasters such as floods and earthquakes, as well as other unforeseen events.

What are the Risks Covered by Car Insurance?

Car insurance covers a variety of risks depending on the type of policy. Comprehensive car insurance, in particular, offers coverage for damages resulting from accidents, theft, fire, vandalism, natural disasters like floods and earthquakes, falling objects, animal collisions, civil unrest, and more. However, it’s essential to review your policy documents carefully to understand the specific risks covered by your insurance provider.

Does Comprehensive Insurance Cover Theft of Items in Car?

Yes, comprehensive insurance typically covers the theft of items inside the car. This includes personal belongings such as laptops, smartphones, bags, and other valuables stolen from the vehicle. However, coverage limits may vary depending on the insurance policy.

What Does Fully Comprehensive Car Insurance Cover?

Fully comprehensive car insurance, often referred to simply as comprehensive insurance, covers a wide range of risks beyond just accidents. Additionally, comprehensive insurance may offer coverage for personal injury, medical expenses, legal expenses, and more, depending on the policy.

Does Fully Comprehensive Car Insurance Cover Flood Damage?

Yes, fully comprehensive car insurance typically covers flood damage to your vehicle. Flood damage is considered one of the covered perils under comprehensive insurance policies. Whether your car is damaged by flooding caused by heavy rains, overflowing rivers, or other water-related incidents, comprehensive insurance should provide coverage for the repair or replacement costs.

Is It Worth Getting Comprehensive Car Insurance?

Yes, getting comprehensive car insurance can be worth it for many drivers, especially those who want extensive coverage and peace of mind on the road. Comprehensive insurance not only covers damages to your vehicle but also protects against theft, vandalism, natural disasters, and other unforeseen events. While comprehensive insurance premiums may be higher compared to third-party insurance, comprehensive coverage offers broader protection, potentially saving you significant costs in case of an accident or other covered incidents. Ultimately, the decision to purchase comprehensive car insurance depends on your individual needs, budget, and the level of risk you’re willing to take.

Which Car Insurance Is Better Comprehensive or Third Party?

The choice between comprehensive and third-party car insurance depends on your specific circumstances and requirements. If you own a new or high-value car, or if you live in an area prone to theft, vandalism, or natural disasters, comprehensive insurance may be a better option to provide comprehensive protection. However, if you have an older or lower-value vehicle and are looking to save on premiums, third-party insurance could be a more cost-effective choice. Ultimately, the choice depends on individual needs, budget, and level of risk tolerance to determine which type of car insurance is better suited for you.

Know more about Comprehensive Car Insurance


Comprehensive car insurance serves as a robust shield against a multitude of risks, providing invaluable protection for vehicle owners. From accidents and theft to natural disasters and vandalism, comprehensive coverage offers peace of mind on the road by ensuring financial security in the face of unforeseen events. While exclusions exist, the extensive coverage of comprehensive insurance underscores its value in safeguarding both the vehicle and its owner from significant financial burdens. Thus, for drivers seeking comprehensive protection and enhanced peace of mind, investing in comprehensive car insurance proves to be a prudent decision in navigating the uncertainties of the road in India.

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