Policy snapshot
A full protection motor policy that covers third party liability as well as damage, theft or total loss of your own vehicle.
What is Comprehensive Motor Insurance?
Comprehensive Motor Insurance combines mandatory third party liability cover with own damage protection for the vehicle, covering accidents, theft, fire and listed natural and man made calamities.
What can it cover?
- Third party legal liability
- Own damage due to accident, fire or explosion
- Theft or total loss of the vehicle
- Damage due to natural calamities such as flood or storm
- Damage due to riots, strikes and malicious acts
Who should consider it?
- Car and two wheeler owners who want complete protection
- Owners of new and high value vehicles
Key features to understand
- Wider protection for both third party and own vehicle
- Eligibility for no claim bonus
- Option to add multiple useful add ons
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.