Insurance
Comprehensive vs Third-Party Car Insurance: Which One Do You Need?
Third-party cover is mandatory, but is it enough? A simple guide to choosing the right motor insurance.
Every vehicle on Indian roads must carry third-party insurance. It covers damage or injury you cause to others, but it does not pay for damage to your own car. That is where comprehensive cover comes in.
Quick comparison
- Third-party: lowest premium, legally required, covers liability to others only.
- Comprehensive: covers third-party liability plus own damage from accidents, theft, fire and natural calamities.
Add-ons worth considering
- Zero depreciation, especially for cars under five years old.
- Engine protection if you live in flood-prone areas.
- Roadside assistance for frequent highway travel.
- Return to invoice for new and high-value cars.
Do not forget your No Claim Bonus. It can reduce your own-damage premium significantly at renewal and transfers with you when you change insurers.
