A third-party car insurance policy covers financial liabilities if your vehicle causes damage to another person’s property or results in injury or death. As per Indian law, having third-party car insurance is mandatory for all vehicle owners.
However, this policy does not cover any damages to your own car, making it suitable only for basic legal compliance.

Note: Third-party car insurance premium rates are regulated by IRDAI and may be updated periodically.

A comprehensive car insurance policy offers complete protection by combining third-party liability coverage with own damage cover.

It not only fulfills legal requirements but also protects your car against damages caused by accidents, natural disasters, fire, theft, and other unforeseen events. You can also enhance your comprehensive car insurance with add-ons for better coverage.

A zero depreciation car insurance policy (also known as bumper-to-bumper cover) provides the highest level of protection under a comprehensive car insurance plan.

It ensures that you receive the full claim amount without factoring in depreciation on car parts. This means you don’t have to bear additional costs during repairs or part replacements, making it ideal for maximum savings during claims.

A standalone own damage car insurance policy covers damages to your own vehicle due to accidents, fire, theft, or natural calamities.

This policy is designed for those who already have a valid third-party car insurance policy and want additional protection for their vehicle without opting for a full comprehensive car insurance plan.