Policy snapshot
A complete car insurance policy that covers own damage, theft and third party liability.
What is Comprehensive Car Insurance?
Comprehensive Car Insurance combines mandatory third party liability cover with own damage protection for the vehicle.
What can it cover?
- Third party liability for injury, death or property damage
- Own damage cover for accidents, fire and certain other events
- Theft or total loss of the car
- Damage due to natural calamities and man made events as per policy
- Optional add ons such as zero depreciation and engine protector
Who should consider it?
- Car owners who want wider protection than basic third party cover
- Owners of new or high value cars
Key features to understand
- Wider protection for both vehicle and liability
- Cashless repairs at network garages
- No claim bonus on claim free years
- Customisable add ons to enhance coverage
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
Only third party cover is mandatory by law. Comprehensive cover is strongly recommended to protect your own car.
It is an add on where approved claims are settled without deducting depreciation on specified parts, as per policy terms.