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Standalone Car Insurance v/s Third-Party Car Insurance v/s Comprehensive Car Insurance.
| Features | Own Damage Insurance | Third-Party Insurance | Comprehensive Insurance |
|---|---|---|---|
| Cover your own car | Covers damages to your car only | Not covered | Covers damages to both your car and third-party liabilities |
| Third-party liability coverage | Not covered | Covers third-party property damage and injuries | Covers both third-party liabilities and own car damage |
| Coverage for theft | Yes, car theft is covered | Not covered | Yes, car theft is covered |
| Coverage for natural disasters | Yes, covers natural disasters like floods | Not covered | Yes, covers natural disasters |
| Coverage for man-made events | Yes, covers vandalism and riots | Not covered | Yes, covers man-made events |
| Personal accident cover | Optional (through add-ons) | Not included | Available as an add-on |
| Premium cost | Moderate | Lower, as it only covers third-party liabilities | Higher due to broader coverage |
| Add-on covers available | Available (e.g., zero depreciation) | Not available | Available (e.g., engine protection, zero depreciation) |
| Legal requirement | Not required | Mandatory by law | Optional but highly recommended |
| Best for | Those wanting protection for their own car | Those seeking basic, mandatory protection | Those seeking full coverage for car, third-party, and theft |
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What is Covered and Not Covered Under the IFFCO Tokio Standalone Own-Damage Policy?
Every insurance plan has things it pays for and things it does not. Here is what IFFCO Comprehensive Car Insurance covers and does not cover:
What it Covers
IFFCO Tokio’s own-damage car insurance pays for damage in these cases:
If your car is totally damaged or stolen.
If your car is damaged in a road accident.
If your car is damaged while being transported.
If your car is damaged by natural or man-made disasters like floods, fire, or riots.
What Does it not Cover
This insurance does not pay for:
Normal loss of value (depreciation) of the car.
Accidents that happen outside the area covered by the policy.
Damage caused by illegal or unsafe driving.
Problems caused by mechanical or electrical failures.
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