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Home / Motor Insurance / Comprehensive Car Insurance
What is Comprehensive Car Insurance?
Comprehensive car insurance offers extensive protection for your vehicle beyond just basic coverage. It covers damages resulting from accidents, theft, fire, natural disasters, and man-made incidents like vandalism or riots. Additionally, it includes third-party liability coverage, which means you're protected if your car causes injury to someone else or damages their property.
Top Features of ACKO Comprehensive Car Insurance Policy
The following are the key features of a Comprehensive Car Insurance Policy.
In one policy, you get both the legally required third-party coverage and coverage against damages to your own vehicle.
Cashless repair in a network garage in the unfortunate event of your insured car sustaining accidental damages.
Coverage against third-party liabilities like accidental injury, death or property damage caused to a third party.
Compensation for costs arising from damages caused by natural and manmade disasters like fires, floods, riots, etc.
Coverage in the event of your four-wheeler getting stolen or if it incurs damage beyond the scope of repair.
Option to select add-ons to further customise and enhance the coverage of the policy.
Comprehensive Car Insurance Vs Third-party Car Insurance
| Third-party Car Insurance | Comprehensive Car Insurance |
|---|---|
| Offers third-party coverage only | Offers own damage + third-party coverage |
| No add-on covers available | Add-on covers such as roadside assistance, zero depreciation, etc. available |
| Mandatory due to legal requirements | Not mandatory |
So, understand the differences between third-party insurance and comprehensive insurance and choose the right policy for your car.
How Does Comprehensive Car Insurance Work?
A Comprehensive Car Insurance policy provides financial security when your vehicle suffers damage or causes damage to a third party. Here’s an example to understand how it works:
Example Scenario: Own Damage Claim
Policy Details: You own a Maruti Swift valued at ₹6.5 lakhs, covered by an ACKO Comprehensive Car Insurance policy.
Incident: Your car is involved in an accident, incurring damages estimated at ₹70,000.
Claim Process:
You immediately file a claim with ACKO via the app or website.
ACKO verifies the incident and the necessary documents.
Upon approval, ACKO reimburses you ₹70,000*.
Result: Your car is repaired, and you're saved from bearing the full repair cost yourself.
*Please note that the approved amount will exclude applicable deductibles and/or depreciation as per policy T&Cs.
Example Scenario: Third-Party Property Damage Claim
Policy Details: You have Comprehensive Car Insurance.
Incident: While driving, you accidentally hit another car, causing ₹50,000 worth of damage to their vehicle.
Claim Process:
The third party files a claim of ₹50,000 against your policy.
ACKO assesses the damage and verifies the claim.
ACKO settles the repair cost directly with the third party or their insurer (up to policy limits for property damage).
Result: You are protected from the financial burden of repairing the third party's vehicle.
Inclusions
Exclusions
What is Covered in ACKO Comprehensive Car Insurance Policy?
ACKO Comprehensive Car Insurance Policy will provide you coverage only for specific events. A list of things covered under the policy is listed below. Also, refer to the policy wordings for more details.
Accidental damages to your car.
Damages to your car due to calamities such as riots, cyclones, earthquakes, etc.
Damages to your car due to fire accidents.
Damages to the third-party property/vehicle.
Injury/disability or death of the third party.
Personal accident cover (mandatory cover to be purchased separately).
Total loss or theft of the insured car.
Damages to your car while being transported.
What is Not Covered in ACKO Comprehensive Car Insurance Policy?
Listed below are a few exclusions of Comprehensive Policy. You should also refer to the policy wordings to know more about what exactly is not covered under your policy.
Damages to the car while driving under the influence of alcohol or other intoxicating substances.
Damages to the car due to electrical and mechanical breakdown.
Damages to the insured car while driving without a valid Driving Licence.
Wear and tear components like tyres, clutch plates, etc.
Damages to the car due to negligence or careless driving.
Damages to the insured car due to illegal racing or overspeeding.
Benefits of Comprehensive Car Insurance
As compared to the other car insurance policy types, a comprehensive policy offers several benefits. Listed below are a few of the benefits of comprehensive car insurance
Wide-Ranging Coverage
Comprehensive car insurance meaning stands for a policy that provides comprehensive coverage benefits like third-party liability coverage and own damage coverage.
Financial Backup
It saves you from financial losses due to damage to your car and damage to the third-party property or injury/death of a third party.
Compulsory Personal Accident Cover - Owner cum Driver (CPA)
Along with the Comprehensive insurance, you also need to buy the PA (Personal Accident) cover that provides coverage against injury/disability or death of the vehicle owner.
What are the Add-on Covers Under a ACKO Comprehensive Insurance Policy?
Add-ons offer additional coverage along with your standard Comprehensive policy. While the add-ons will increase the premium amount, they will also offer extra financial protection at the same time. Here are the add-ons under the Comprehensive Car Insurance policy from ACKO.
Zero Depreciation Cover
The add-on nullifies the depreciation costs considered by an insurer during claim settlements.
Engine Protection Cover
The add-on provides coverage against engine, gearbox and differential damages.
Return To Invoice Cover
The add-on allows you to claim the amount as per the invoice value in case of vehicle theft or total loss.
Consumables Cover
The add-on covers the cost of consumables (engine oil, nuts and bolts, oil filter, etc.)used during the repair of the insured vehicle
NCB Protect Cover
The add-on protects your No Claim Bonus even if you raise a claim against your car insurance policy.
Key Replacement Cover
The add-on covers the cost of repairing/replacing the keys and lockset if they are damaged or stolen.
Outstation Emergency Cover
The add-on covers any accidental damages or breakdown occurring outside a 100 km radius of your residence.
Roadside Assistance Cover
The add-on provides 24x7 roadside assistance (towing, puncture repair, etc.) in case of vehicle breakdown.
PA Cover for Passengers
The add-on provides Personal Accident (PA) cover to passengers. It includes injury/disability or death due to an accident.
Extra Car Protection
This add-on cover provides protection for any additional expenses that may incur for extra car protection, such as roadside assistance, key repair, etc., that might typically not be covered in a standard car insurance policy.
Electrical Accessories Cover
This add-on covers electrical accessories like headlights, AC, indicators, and odometers.
Non-electrical Accessories Cover
This add-on covers expenses for the repair of non-electrical appliances like gearbox, window glass, in case of unforeseen event.
How Much is Comprehensive Car Insurance?
Car Type | Comprehensive Premium Cost (per year) |
|---|---|
SUV | Rs.20,000-30,000 |
Hatchback | Rs.10,000-15,000 |
Sedan | Rs.12,000-20,000 |
Luxury | Rs.50,000-80,000 |
Disclaimer: Please note that the above premium is for reference only and may vary depending on the specific vehicle details*
Is Comprehensive Car Insurance recommended for Old Cars?
Yes, a comprehensive car insurance policy is recommended for old cars that are not more than 10 years old. There is a common misconception that comprehensive car insurance is not needed for old cars. However, whether your car is new or old, a Comprehensive policy continues to provide vital protection. While the Insured Declared Value (IDV) of an older car will be lower, leading to reduced premiums, the policy still offers extensive coverage against unforeseen events.
Even if you plan to sell your old car in a few years, unexpected damage could result in significant repair costs without Comprehensive coverage. Thus, getting comprehensive coverage can be a worthwhile investment
Who Should Buy Comprehensive Car Insurance?
You should buy a Comprehensive Car Insurance Policy if you belong to any of the following categories.
New car owners
If you live in a metropolitan city
If you live in a high-risk area.
Luxury car owners.
New drivers.
If you are a road tripper.
Factors Affecting Comprehensive Car Premium
The premium for a Comprehensive policy is not determined by a single factor but by many. The insurer considers the factors listed below when determining the car insurance premium.
Vehicle Type
Your car's make, model, and age can affect premiums. Expensive or high-performance vehicles typically cost more to insure due to their higher repair or replacement costs.
Driving History
A clean driving record with few or no claims generally leads to lower premiums, while a history of accidents or traffic violations can increase costs. The driving history helps the insurer assess the policyholder's risk profile.
Vehicle Registration Location
Where you live impacts your premium. Areas with higher rates of accidents, theft, or natural disasters tend to have higher premiums. For instance, a car registered in a metro city will have a higher premium than one registered in a non-metro city.
Deductible Amount
While choosing a comprehensive policy, you also have the option to decide the deductible. The deductible is the amount that you agree to pay from your pocket. The more deductibles there are, the lesser premiums for comprehensive insurance.
Anti-theft Devices
Cars equipped with anti-theft devices or safety features like alarms and tracking systems are more affordable to insure
Add-ons
There are several add-ons that you can include in your Comprehensive policy, such as NCB protector cover, Key Loss Cover, Engine Protection Cover, etc. When these add-ons are included in the policy, the premium generally tends to increase.
Age of the Car:
The age of the car also affects Comprehensive Insurance premium. The more the age of the car, the higher will be depreciation, and lower the IDV. All of these factors will together result into a lower premium amount for older cars.
Fuel Type:
The fuel type is also taken into account when determining the premium amount. Typically, the premium of a diesel car is higher than a petrol car. Similarly, CNG cars are also more expensive to insure with a Comprehensive policy.
No Claim Bonus:
A No Claim Bonus or NCB discount is given if you have not raised any car insurance claims. So, while buying a comprehensive car insurance policy, you can check with your insurer for NCB discounts.
How to Calculate Comprehensive Car Insurance Premium
You can calculate the premium of a comprehensive car insurance policy with the following formula:
Premium payable = Fixed third-party insurance premium + (Own Damage component - NCB and other discounts (if applicable)) + Add-ons cost.
Use our car insurance premium calculator to calculate the premium within seconds.
Example Calculation & Comparison: For a Brand New Maruti Swift (Petrol, 1.3 VXI ABS variant, Bengaluru, India)
For example, the premium calculation for different coverage types for a new Maruti Swift (IDV ₹4,34,000) registered in Bengaluru, assuming no prior No Claim Bonus (NCB).
Comprehensive Insurance Premium Breakdown by Coverage Type
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**Please note that the amounts mentioned above exclude GST.
How to Buy Comprehensive Car Insurance Online
Buying car insurance online with ACKO is very simple. Just follow a few simple steps, and you will be done with the buying process. So, follow these steps and get an ACKO car insurance policy on the go.
Step 1: Download the ACKO app or go to the top of this page.
Step 2: Enter your vehicle number and previous policy details (if applicable).
Step 3: Select the Comprehensive insurance plan and pay the premium online to instantly buy the policy.
ACKO Comprehensive Insurance Claim Procedure
At ACKO, the claim process for a car insurance policy is very simple. All the required documents can be submitted online, and you just have to follow these steps to raise a claim against Comprehensive car insurance from ACKO.
Step 1: Download the ACKO app or visit the website to log in to your ACKO account.
Step 2: Click on “Register a Claim” on your policy card.
Step 3: Provide the necessary details and upload the documents, if required to raise a claim.
What Documents are Required to Process a Comprehensive Car Insurance Claim?
Listed below are the documents that will help you experience a seamless Comprehensive Car Insurance claim:
A duly-filled claim form
Vehicle registration certificate (RC)
Driving license
Copy of FIR (in case of vehicle thefts)
Estimated bill of repair cost
Frequently Asked Questions on Comprehensive Car Insurance
Can I buy comprehensive insurance after third-party insurance?
You can easily buy a comprehensive insurance plan if you have previously purchased third-party car insurance. Explore options from different insurers, compare policies, and make the switch online for a seamless transition to enhanced protection.
Which is best comprehensive insurance?
Choosing the best comprehensive car insurance depends on your requirements. Consider factors like coverage, cost, value-added services, customer support, and reviews to buy the best Comprehensive Car Insurance Policy.
What is the difference between first party and comprehensive?
First-party insurance refers to a standalone own damage insurance plan that provides coverage against damages to your insured vehicle. Comprehensive insurance is a bundled plan with third-party liability cover and first-party cover.
Can I put comprehensive insurance for my car?
Yes, you can buy Comprehensive insurance for your car. It is an optional pan that provides own damage coverage and third-party coverage.
Which is more expensive third party or comprehensive?
Comprehensive insurance is typically more expensive than third-party insurance. While a third-party liability policy covers damages to others, a comprehensive plan also covers own vehicle damages, offering broader coverage but at a higher cost.
Which parts are covered in comprehensive car insurance?
A Comprehensive car insurance plan covers the basic spare parts of the car. You can consider buying car accessories insurance add-ons to cover any other accessories installed in your vehicle. Such add-ons will cover the damages to additional accessories.
Is it compulsory for car owners to have Comprehensive Insurance?
No, unlike a Third-party Car Policy, it is not compulsory for car owners to possess Comprehensive Insurance coverage. Nevertheless, it is valuable because it financially shields against different scenarios.
Is the best car insurance Comprehensive cover or Third-party Cover?
Comprehensive Car Insurance is the best among the two, as it offers more coverage than Third-party Insurance.
Does Comprehensive Insurance cover accidental scratches to my car?
Yes, Comprehensive Insurance coverage includes accidental scratches to your car as per the terms and conditions of the policy.
How to choose an ideal Comprehensive Insurance Plan?
You can choose an ideal Comprehensive Insurance Plan by comparing policies online. Comparisons can be made based on criteria like coverage, number of network garages, claim process, Claim Settlement Ratio (CSR), etc.
Does having just Comprehensive Insurance mean that I need to buy the legally mandated third-party cover separately?
No, if you have a Comprehensive Policy, you do not need to buy a third-party cover separately. The reason is, a Comprehensive Policy includes the government-mandated third-party cover.
Does comprehensive insurance cover engine failure?
Yes, Comprehensive insurance will provide coverage for engine failures.
What is not covered in comprehensive car insurance?
Typically, a Comprehensive Car Insurance policy will not provide coverage for mechanical failure or if there is any damage to the insured car when the policyholder is driving under the influence of alcohol or intoxicants.
Are accessories (e.g., custom parts, aftermarket enhancements) covered under comprehensive insurance?
The accessories can be covered when you include the Accessories Cover to your Comprehensive Insurance policy.
How does voluntary deductible impact premium cost?
With voluntary deductible included in your policy, the Comprehensive premium will become less.
Does comprehensive insurance cover damage to tyres, tubes, and windscreen replacement?
No, Comprehensive Insurance does not cover tyres and tubes, but it does cover windscreen replacement.
Does comprehensive insurance cover break-ins, and does it cover stolen personal items?
While Comprehensive Insurance will cover break-in, it will not cover theft of personal items.
Does comprehensive insurance cover fire and explosion damage, man-made hazards, and falling objects?
Yes, Comprehensive Insurance covers damage from fire and explosions, man-made hazards, and falling objects.
Does comprehensive insurance cover damages while the car is in transit (rail, road, etc.)?
Yes, even if the car is in transit, Comprehensive Insurance will cover all the damages.
Does comprehensive car insurance cover rental cars?
To get coverage for rental cars, you may have to buy an additional add-on with your Comprehensive policy.
Does comprehensive insurance cover injuries to the driver or passengers?
A Comprehensive Insurance will cover injuries to the driver and policyholder, but to get coverage for passengers, you will have to get Passengers cover.
Are aftermarket modifications or accessories covered under comprehensive insurance?
No, aftermarket modifications or accessories are not covered under comprehensive insurance.
Does comprehensive insurance follow the car or the driver?
Comprehensive Insurance does not follow the driver but the car.
Is comprehensive insurance the same as bumper-to-bumper?
No, Comprehensive Insurance and Bumper-to-Bumper are not the same.
How to know if my car insurance is comprehensive?
If your policy covers both third-party liability and own-damage, then it is a Comprehensive policy.
How long does it typically take to settle a comprehensive insurance claim?
It typically takes between 7-10 days to settle a comprehensive insurance claim.
How long does a comprehensive claim stay on car insurance?
Generally, the Comprehensive claim lasts between 3-5 years on a car insurance policy.
Are there discounts for installing anti-theft devices or safety features?
Yes, there are discounts available for installing anti-theft devices, as it reduces the insurer’s liability towards the vehicle.
Is commercial use (ride-sharing, delivery) covered under personal comprehensive insurance?
No, if the vehicle is being used for commercial purposes, then it will not be covered under personal comprehensive insurance.
Is it necessary to update my insurance policy if I modify my car with LPG or CNG kits?
Yes, you need to keep the insurer updated if you modify your car with LPG or CNG kits.
Need More Help?
Have queries related to ACKO’s two wheeler insurance policy? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below
Email
Write to us at [email protected]
Phone
Call us on 1800 266 2256
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