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Benefits of Buying a Comprehensive Car Insurance 1. Protects your Pocket from Third-Party Liabilities One of the main reasons people get any type of car insurance, is to comply with the law and, protect themselves from losses in case of any third-party damages.
Opt for Add-Ons for Better Coverage Most people prefer a comprehensive car insurance because you can customize your policy just the way you want, by picking add-ons to extend the kind of coverage your car can receive. Cost Effective Although the premium of a comprehensive car insurance is higher than that of a third-party car insurance, it still turns out to be a lot more cost effective since the coverage and benefits you receive with a comprehensive car insurance is a lot higher, saving you a lot of money in the long run!
Compensates you in case of Car Theft Car thefts are the worst! You Can opt for Breakdown Assistance A Breakdown Assistance is one of the many add-ons available in a comprehensive car insurance. However, there are certain limitations too, such as: A comprehensive car insurance does not cover for damages caused due to normal aging and wear and tear of your car. Exclusions in a Comprehensive Car Insurance 1. Consequential Damages Consequential damages are those that take place after the accident.
What is a Third Party Car Insurance? Covers for Third-Party Liabilities The main purpose of a Third-Party car insurance is to cover you from losses and damages caused to a third-party due to your own car. Protects your Pocket from Traffic Fines Since at least having a third-party car insurance is mandatory by law, not having one can lead you to pay hefty penalty fines.
Exclusions in a Third-Party Car Insurance 1. Difference between Third Party Insurance and Comprehensive Insurance Third party and comprehensive insurance differ from each other regarding their purpose and coverage. It is slightly more expensive than a third-party car insurance. Customization No customizations are possible under this car insurance plan. You can customize your car insurance plan by adding specific add-ons and covers such as the zero-depreciation cover, engine and gearbox protection, Return to Invoice, Breakdown Assistance, etc Premium Price Cheaper than a comprehensive car insurance policy, the premium price here is predetermined by the IRDAI based on your car cc.
What should I go for? Reasons to Upgrade to a Comprehensive Car Insurance. To Customize your Policy for Better Coverage Customize your car insurance further by opting for different add-ons and covers that would give your car better coverage.
What are the factors to consider before buying car insurance? If you drive fewer miles in a year this could result in a lower car insurance premium. Parking in a private driveway or garage can also attract a discount. Car insurers may take. If your driveway is cluttered with cars, you may want to consider a multi-car insurance policy. The lower the value of the car and the cheaper it is to repair, the less car insurance you may have to pay.
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Share this guide. Do I need car insurance? He misjudges the distance between his car and the one directly behind him, and backs into it. The other car suffers broken headlights and a dent to the bumper. His car is also damaged; its tail lights have been smashed and the rear dented.
Since he only has third party coverage, Mike cannot make an insurance claim. All he can do is report the theft to the guards and hope his car turns up. Comprehensive car insurance covers you for accidental damage caused by you or others. It can also cover expenses arising from legal action brought against you following a road accident. Damage by fire or theft, vandalism, windscreen repair or replacement cover, and car stereo theft are also covered.
Example: Ally is about to leave the house to drive to work. A storm has been raging all night, but finally the winds have died down. Outside, she is stunned to discover that her car has been crushed by a fallen tree. Luckily, she has comprehensive car insurance, so her insurance provider will cover the current market value of her car. In general, a comprehensive car insurance policy will cover you for a wide range of damages, injuries, and loss to your passengers, your vehicle, and other property.
Third party car insurance is more restrictive, covering damage to other vehicles and their passengers, but typically not much else. Make sure you have the level of cover you need.
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