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Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Features | Own Damage | Third Party | Comprehensive |
|---|---|---|---|
| Meaning | Covers damage to your own car only. | Covers damage or injury to others caused by your car. | Covers both damage to your own car and to others. |
| Covers Your Car? | Yes | No | Yes |
| Covers Third Party? | No | Yes | Yes |
| Covers Theft, Fire & Natural Disasters? | Yes | No | Yes |
| Personal Accident Cover | No (can be added) | Yes | Yes |
| Legal Requirement | Optional | Mandatory by law | Optional, but highly recommended |
| Add-On Covers Available | Yes | No | Yes |
| Premium Cost | Medium | Low | High (more coverage) |
| Best For | People who already have third-party cover and want protection for their own car. | People are looking for only basic legal cover. | People who want full protection for both their own car and others. |
Motor Insurance Plans By Shriram
FUTURE
NCB : 50%IDV: ₹167226
HDFC
NCB : 50%IDV: ₹131369
ICICI
NCB : 50%IDV: ₹234117
BAJAJ
NCB : 50%IDV: ₹138149
What is Covered and Not Covered Under Comprehensive Car Insurance?
What it Covers
This policy protects your car from different types of damage, such as:
Road Accidents
Covers damage to your car caused by accidents or collisions.
Theft or Fire
Covers loss if your car is stolen or damaged in a fire.
Explosion
Covers damage caused by an explosion.
Natural or Man-Made Disasters
Covers loss from floods, earthquakes, riots, or similar events.
What Does it not Cover
This policy does not cover the following situations:
Depreciation
The normal decrease in your car’s value over time.
Illegal Driving
Accidents that happen while driving without a valid licence or breaking traffic laws.
Mechanical or Electrical Failure
Problems like engine or wiring breakdowns are not covered.
Outside India
Damage or accidents that happen outside India are not included.