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MOTOR INSURANCE

Comprehensive Car Insurance — Complete Vehicle Protection

All-in-one car insurance covering own damage, third-party liability, theft, fire, natural calamities, and personal accident. The most complete protection for your vehicle.

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What is Comprehensive Car Insurance?

Comprehensive car insurance is the most complete form of motor insurance that combines own-damage coverage and third-party liability into a single policy. It protects your vehicle against virtually every risk — from road accidents and natural disasters to theft and vandalism.

While third-party insurance is the legal minimum, comprehensive coverage offers the peace of mind that comes with knowing you are fully protected. Add-on covers like zero depreciation, engine protection, and roadside assistance can further enhance your coverage.

Why Choose Comprehensive Insurance?

  • Complete Protection — Covers both own damage and third-party liability in one policy
  • All-Risk Coverage — Accidents, theft, fire, natural calamities, vandalism, terrorism
  • Personal Accident — Includes mandatory ₹15 lakh PA cover for owner-driver
  • NCB Benefits — Earn up to 50% premium discount for claim-free years
  • Add-On Flexibility — Enhance coverage with zero depreciation, engine protect, RSA
  • Cashless Repairs — Get repairs at 5,000+ network garages without upfront payment

Key Benefits

Own Damage Cover

Covers repair costs for your vehicle from collisions, overturning, and accidents.

Third-Party Liability

Covers compensation for injuries, death, or property damage to third parties.

Theft & Total Loss

Full IDV compensation if your car is stolen or damaged beyond repair.

Natural Calamities

Protection against floods, earthquakes, storms, hail, and lightning.

Fire Coverage

Covers damage from fire, self-ignition, explosion, and lightning strikes.

Add-On Covers

Zero depreciation, engine protection, roadside assistance, key replacement.

Types of Plans Available

Standard Comprehensive

Own damage + third-party + PA cover. Good baseline protection for everyday driving.

MOST POPULAR

Comprehensive + Add-Ons

Standard comprehensive plus zero depreciation, RSA, engine protection. Best value for most car owners.

Premium Comprehensive

Maximum coverage with all available add-ons. Ideal for new cars, luxury vehicles, and high-value automobiles.

Claim Process

1

Intimate the insurer and FMC Insurance Bazaar immediately after incident

2

Choose cashless repair at a network garage or opt for reimbursement

3

Submit claim form, photos, RC, DL, and FIR (if required)

4

Surveyor inspects the vehicle and assesses damage

5

Claim approved — repairs done cashlessly or reimbursement processed

Documents Required

  • Vehicle Registration Certificate (RC)
  • Previous Insurance Policy
  • Driving License
  • PAN Card or Aadhaar Card
  • Vehicle Inspection (for expired policies)
  • FIR Copy (for theft/major accident claims)

Frequently Asked Questions

It covers own vehicle damage (accidents, fire, natural calamities, vandalism, terrorism), theft, third-party liability (injuries/death/property damage), personal accident cover, and optional add-on covers.
IDV = (Manufacturer listed selling price) – (Depreciation based on age). For vehicles less than 6 months old, IDV is 100% of invoice price. Depreciation increases with age up to 50% for 5-year-old vehicles.
Essential add-ons include: Zero Depreciation (full claim without depreciation deduction), Engine Protection (covers engine damage from waterlogging), Roadside Assistance, Return to Invoice, and Key Replacement Cover.
NCB rewards claim-free years: 20% after 1 year, 25% after 2, 35% after 3, 45% after 4, and 50% after 5+ years. NCB applies only to the OD premium component and is transferable between insurers.
Cashless claims are settled directly with the network garage — you pay nothing upfront. Reimbursement claims require you to pay first and get reimbursed by the insurer. Cashless is faster and more convenient.
Yes, you can adjust IDV, add or remove add-ons, change voluntary deductible amount, and select specific coverage options. FMC Insurance Bazaar helps you build the perfect policy for your needs.
Yes, comprehensive policies cover damage from floods, inundation, and waterlogging. However, engine damage from hydrostatic lock may require a separate Engine Protection add-on.
Premiums vary based on car model, age, city, IDV, add-ons, and NCB. A typical comprehensive policy for a mid-range sedan costs ₹8,000-15,000 per year. FMC Insurance Bazaar helps you compare to find the best rate.

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Get Comprehensive Car Insurance Quote

Compare comprehensive car insurance plans from 20+ insurers. Get the best coverage with the most affordable premium.

  • Compare 20+ insurers instantly
  • Save up to 80% with NCB transfer
  • Cashless claims at 5000+ garages
  • Free add-on consultation

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Want Complete Car Protection?

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