Policy snapshot
A complete policy offering financial protection for own vehicle damage, third-party liabilities, theft, fire, and natural disasters.
What is Comprehensive Motor Insurance?
Comprehensive insurance offers combined coverage for third-party liabilities and own vehicle damages, making it the most extensive plan.
What can it cover?
- Damage to own vehicle (accidents, fire, theft, natural disasters); Third-party injury/death; Third-party property damage; Personal accident cover for owner-driver.
Who should consider it?
- Vehicle owners seeking full protection, especially for new or valuable vehicles.
Key features to understand
- Covers wide range of risks (accidents, fire, theft, calamities); Allows add-ons like zero depreciation, engine cover, roadside assistance; Includes all third-party benefits.
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.