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What are the risks covered by the Comprehensive policy?

The Comprehensive auto insurance policy provides cover for damage caused to the vehicle due to man-made or natural calamities.

Apnainsurance.com Research Bureau

28 Nov 2007

In addition to the cover provided by the Third Party car insurance plan, the Comprehensive insurance policy protects you against any loss or damage caused to the vehicle and its insured accessories due to natural and man-made calamities. These include:

  • Natural calamities, such as fire, explosion, self ignition or lightning, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, and fire and shock damage due to earthquake
  • Man-made calamities, such as burglary, housebreaking or theft, riot or strike, accident by external means, malicious act, terrorist activity and damage during travel by road, rail, inland-waterway, air, or elevator

This policy also includes personal accident cover, which provides compulsory accident cover for the owner of the vehicle while driving. The owner can also avail personal accident cover for passengers in the vehicle.

Another mandatory feature is the third party legal liability cover - it protects the owner against legal liability arising from an accident causing any permanent injury or death as well as any property damage.

This insurance policy also pays for towing charges from the place of accident to the workshop, subject to a maximum of Rs.300/- for scooters and motorcycles and Rs.1,500/- for private cars and commercial vehicles.

Also available is a restricted cover for fire and theft - only for vehicles that are laid up in a garage and not in active use.

See also:

What are the risks covered by the Third Party policy?

What are the different types of Personal Accident Covers available for drivers and passengers?

Motor Insurance FAQs on Claims

Motor Insurance FAQs on Coverage

Motor Insurance FAQs on Cost, Premiums, Bonus, Discounts, Renewals