Loader
Loader

Claim Assistance
Get In Touch

Thank you for visiting our website.

For any assistance please call on 1800-209-0144

Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive Car Insurance

The feeling of buying a car is exhilarating. Buying a car is a big financial decision and the one buying it goes through a spectrum of emotions. If you are a car owner or going to be one, it's important to understand which type of motor insurance policy is suitable.

In India, third-party insurance is a mandate. Anyone found without it is liable to legal implications. At times, not abiding by the law may also lead to the disqualification of the driving license. Comprehensive insurance offers a cover for the repair/replacement of any incurred damages to the vehicle from an accident or a mishap. So, if you are a car owner or plan to buy one soon don’t forget to buy comprehensive car insurance.

Scroll

What is Comprehensive Car Insurance?

A comprehensive car insurance policy offers cover from any third-party liability, damage from a mishap, natural or man-made calamity, etc. Having comprehensive insurance provides extensive coverage. 

✓  It gives the added advantage of third-party liability cover

✓  The policyholder can easily customize the plan as per the needs

✓  Option to choose from an array of add-on riders

Having comprehensive car insurance coverage gives all-around protection to the car and ensures protection from any unforeseen circumstances. For many of us, buying a four-wheeler is a dream and an expensive deal. We all know that adversity never comes with prior notice and the Indian roads are one of the most uncertain spots.

Right from a small dent to a minor/major accident can at times be heavy on the pocket. Henceforth, a comprehensive motor insurance policy is extremely important. To avoid any confusion, you may also compare comprehensive car insurance quotes online.

Features of Comprehensive Car Insurance Policy 

The Bajaj Allianz comprehensive car insurance policy offers the below features that make it one of a kind:

  •  Cover for Third-Party Liability: Cover for Third-Party Liability:

    When the car is covered under a comprehensive plan, the policyholder can easily file for a claim in case any damage is incurred by a third person. Or the damage to the property caused by the car insured. It also offers a cover against any legal liability that may arise due to any such mishap. The Bajaj Allianz General Insurance offers an easy and hassle-free comprehensive car insurance online claim process. 

  • Personal Accident Cover Personal Accident Cover

    We also offer a personal accident cover of Rs. 15 lakh*. It takes care of all the hospitalization costs that may arise due to any untoward accident. The table below shows the compensation as per the below scale for any bodily injury or demise sustained by the insured owner-driver of the vehicle

    Nature of Injury

    Compensation Scale

    Loss of one limb or sight of one eye

    50% of the sum insured

    Loss of two limbs or sight of both the eyes or one limb and sight of one eye

    100% of the sum insured

    Permanent total disablement from injuries*

    100% of the sum insured

    Death

    100% of the sum insured

    Disclaimer: For more information, please read the policy wording carefully. *Standard T&C apply

  • Own Damage Cover Own Damage Cover

    The insurer offers a cover against the loss/damage to the insured car due to fire, burglary, riot, strike, flood, typhoon, etc. The overall expenses of repairing the car can put you in financial distress, so opt for the best comprehensive car insurance policy.

  • Add-on Rider Options Add-on Rider Options

    To enhance the existing coverage offered within the base plan, you may also consider including add-ons and making the plan more enhanced. Choose the suitable car insurance add-on rider options and make the plan airtight. Be it protecting the engine of the car to helping you in case of any emergency, the add-on rider option caters to varying needs. This may vary from insurer to insurer

    *Standard T&C apply

Buy Comprehensive Car Insurance Insurance with us. Watch the video to know more

What is the Process for Claiming Comprehensive Car Insurance?

Cashless Comprehensive Insurance Claim

 

With the cashless claim facility, the insured need not pay anything from pocket in case of any damage. The insurance company will directly settle the bills at the network garage or workshop. The recovery process will happen exactly the way mentioned in the vehicle insurance policy. 

Follow the steps below to avail the benefit of cashless car insurance claims:

✓         Inform the insurance company as soon as possible. You may also visit the insurer’s website or register the cashless claim through the mobile app

✓         On successful registration, a claim registration number will be received

✓        Take the damaged car to the nearest network garage to start the repair process. To avail of the cashless benefit, the car needs to be only moved to a network garage

✓        The required documents need to be submitted to the surveyor

✓        Once the survey is completed, the insurer confirms the liability

Reimbursement Comprehensive Insurance Claim

Under it, the insured initially will have to spend from their pocket for the incurred damages. After the verification of the documents, bills, and understanding of the coverage, the insurance company reimburses the expenses.

Listed below are the steps for a successful reimbursement of a motor insurance claim:

✓        Get in touch with the insurance company or visit the insurer’s website. You may also register the reimbursement claim through the mobile app

✓        Upon successful registration, a claim registration number will be shared

✓        Move the damaged car to the nearest garage to start the repair process. In such a case it is no mandate to take the car to a network garage

✓        The documents need to be submitted to the surveyor

✓        Once the survey is duly completed, the insurer confirms the liability and the reimbursement process begins

Car Insurance OTS Claims

OTS is the acronym for On-the-Spot feature, it permits you to make claims instantly from the spot. With the OTS feature, one claims up to Rs. 30,000* and receives the amount in 20* minutes or less.

To avail of the benefit of Motor OTS Claim:

✓        Download the Caringly Yours mobile app and sign in with all the required details

✓        Click pictures of the damaged car and upload them on the app

✓        The images are verified, once this is done, the amount will be transferred to the bank account

*Standard T&C apply                                                                                                

What is covered and not covered in Comprehensive Car Insurance?

  • Inclusions

  • Exclusions

Damage Due to Natural Calamity

A comprehensive vehicle insurance plan offers a cover to the car against naturally occurring calamities such as fire, earthquake, typhoon, flood, cyclone, etc.

Damage Due to Man-made Calamity

The plan also offers a cover to the insured car against any man-made calamities such as riots, strikes, or any malicious act. It also includes any accident due to external means or terrorist activity. 

Personal Accident Cover

A personal accident cover of a sum up to Rs. 15 lakh is provided to the owner-driver of the insured car. Moreover, personal accident cover for a paid driver and passengers is also accessible. 

Legal Liabilities of Third Parties

The comprehensive car insurance coverage takes care of the liabilities in case any damage is incurred to a third party. It could be damage to the third party's property or loss of life of the third party.

1 of 1

Inactive Car Insurance Policy

Any damage or loss incurred to the car while the policy is inactive or lapsed. Ensure renewal of the comprehensive motor insurance policy timely.

Driving Without a Valid Driving License

No claims will be entertained if the driver is found driving the insured vehicle without a valid driving license.

Drunk Driving

In case a claim is made, wherein the owner-driver is found to be drunk or under the influence of any other intoxication/substance abuse.

Negligence

In simple words, don’t do things that logically you shouldn’t do. For instance, in case there are floods in the city you reside, don’t take the risk of taking the car out. Such negligence should be avoided or else the plan won't cover them. It may vary from insurer to insure. 

Mutiny, War, or Nuclear Risk

Any damage incurred to the car during a war-like situation, nuclear risk, or mutiny also remains uncovered. 

Wear and Tear

Any damage due to the normal wear and tear or general aging of the car is not covered. Or any damage that is beyond the car manufacturer’s guidelines.

1 of 1

Disclaimer: This is not an exhaustive list. For more information, please read the policy wording carefully. 

 

Who Should Buy Comprehensive Car Insurance?


By now, you know much about the comprehensive insurance plan. Now have you ever wondered who should buy the comprehensive car insurance policy?

Anyone who is falling into any of the below categories should make a wise decision:

If You are a New Owner

Buying a car is not an easy task. It does involve a lot of planning and money. The time you buy a car, ensure to have comprehensive insurance coverage in place.

Living in a Tier-I and Tier-II City

Driving in the city may sound easy but isn’t so. To drive safely and responsibly protect yourself and the car with a suitable comprehensive four-wheeler insurance policy.

A New Driver

In case you have recently started driving, have a comprehensive insurance policy in place. It's better to be safe than sorry and having the right insurance coverage will help you in every situation. 

Frequent Driver/ Traveler

If you drive regularly include yourself in the circle of protection and choose the suitable vehicle insurance policy.

 

Why Should You Buy a Comprehensive Car Insurance?

Often people only consider buying third-party insurance as it’s a legal mandate. However, choosing a comprehensive motor vehicle insurance policy is equally important. A third-party liability cover doesn't cover the cost of repair or replacement in case of an accident.

Listed below are some key reasons to choose the Bajaj Allianz car insurance policy:

Features

Car Insurance Benefit

Cashless Services

Across 7200+ Network Garages

Cashless Hospitalization

Across 8600+ Network Hospitals

No Claim Bonus Transfer

Up to 50%

Claim Settlement Ratio

98%*

Claim Process

Digital within 20mins*

Motor On-the-Spot (MOTS)

Through Caringly Yours mobile app

*Standard T&C apply

What are Add-ons in Comprehensive Car Insurance?

Having add-ons included in the base plan makes the comprehensive plan even more airtight. We suggest you choose add-ons in the comprehensive insurance plan that adds value to the policy. Here’s the rundown of the best add-ons that we offer:
Engine Protector

Engine Protector

The engine is the most important and expensive part of a car. Read more

Engine Protector

The engine is the most important and expensive part of a car. There may be chances that a standard car insurance policy may not cover damages to the engine. In case of a mishap, repairing the engine may be an expensive deal. Having the engine protector add-on is an apt solution as it covers costs that may incur due to oil leakage, water ingression, etc.

Zero Depreciation

Zero Depreciation

This is also known as bumper-to-bumper cover. Read more

This is also known as bumper-to-bumper cover. A zero depreciation add-on helps to nullify the depreciation that is associated with the car. It means that the car doesn’t lose the market value as the insurer does not consider the depreciation of the vehicle. This add-on cover must be included if the car is less than 5 years*.

*Standard T&C apply

Key And Lock Replacement

Key And Lock Replacement

This add-on enables the reduction of the costs that may incur in case the keys are lost or misplaced. Read more

Key And Lock Replacement

This add-on enables the reduction of the costs that may incur in case the keys are lost or misplaced. The insurer takes care of the complete buying and replacing of the car’s lock and keys

24/7 Spot Assistance

24/7 Spot Assistance

This is one of the most useful add-ons to be included in the car insurance policy. Read more

24/7 Spot Assistance

This is one of the most useful add-ons to be included in the car insurance policy. Having this add-on ensures that you are never left stranded on the road. The team is a call away to assist you in any adversity related to the insured car.

Personal Baggage

Personal Baggage

Having this add-on secures the personal belongings and also offers cover Read more

Personal Baggage

Having this add-on secures the personal belongings and also offers cover for the incurred loss because of any damage or theft/burglary from the insured car.

Consumable Expenses

Consumable Expenses

This add-on, expenses related to the consumable involving coolant Read more

This add-on, expenses related to the consumable involving coolant, engine/braking oil, gearbox oil, etc. is taken care of during servicing or after the accident.

Conveyance Benefit

Conveyance Benefit

When the car is being repaired in a garage and once the insurer accepts the claim, Read more

Conveyance Benefit

When the car is being repaired in a garage and once the insurer accepts the claim, this add-on ensures that you are paid for the everyday commute.

Disclaimer: For more details, please refer to the policy wording carefully. 

FAQs About Comprehensive Car Insurance

Is comprehensive car insurance different from zero depreciation car insurance?

Both of these are entirely two different concepts. A comprehensive plan is a type of car insurance policy whereas a zero depreciation is an add-on cover. An add-on cover is included in the existing car insurance policy making it more comprehensive.

Is comprehensive car insurance a good idea for an old car?

It depends on how old the car is, its usage of it, and how long one plans to use it. If the car is under 15 years old and is used regularly consider investing in a comprehensive plan. Opting for a comprehensive plan is anyway a better idea for maximum security throughout.

What is the best time to buy comprehensive car insurance?

The day you become a car owner, you must have a car insurance policy in place. In case you only have a third-party liability cover, ensure to opt for a comprehensive cover to ensure financial safety before plying on Indian roads.

Can comprehensive car insurance be expensive?

When compared to third-party insurance, comprehensive vehicle insurance tends to be more expensive. However, when compared to the benefits it offers, monetary terms remain a secondary aspect. 

Is it possible to buy comprehensive car insurance online?

Yes, as per the requirements you may choose the suitable Bajaj Allianz car insurance plan online. 

Is buying comprehensive car insurance online safe?

To ensure maximum safety, you may consider buying the car insurance plan online directly from the insurance company’s website.

Can I calculate my comprehensive insurance premiums?

To calculate the comprehensive vehicle insurance premium you may use the insurance premium calculator online. 

What is the difference between comprehensive insurance and third-party car insurance?

A comprehensive policy offers multiple protection covers for the vehicle and you. On the contrary, a third-party liability cover is limited to protection against a third-party claim.

*Standard T&C apply

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Please enter valid quote reference ID

  • Select
    Please select
  • Please write your comment

Getting In Touch With Us Is Easy

  • Customer Login

    Customer Login

    Go
  • Partner login

    Partner Login

    Go
  • Employee login

    Employee Login

    Go