How Will Car Modification Affect Your Insurance Policy?

Insurance premiums for modified cars are higher compared to regular car insurance. It is because modifications can increase the risk of theft or efficiency of your vehicle. For instance, if you fit your vehicle with a turbo engine, while your car's speed would go up, it would also mean a higher risk of getting into an accident. Your insurance provider considers all these probabilities, and your premium amount increases as you modify your vehicle. On the other hand, if you install parking sensors in your car, the premium would decrease as the risk of you smashing your vehicle while reversing reduces.

How Does Insurance Policy Change When You Sell Your Car?

According to Motor Vehicles Act, 1988, you must transfer the existing insurance policy to the car's new owner as the seller within 14 days of the sale. An important part of an exchange or buying-selling of cars is the exchange or transfer of insurance policy from the previous to the next owner. You purchase insurance to secure your car financially from unforeseen risks. There is no point in keeping a car insurance policy if you don't have a car. Hence you must ensure you transfer the insurance policy in the new car owner's name. If you purchase a car from someone else, ensure the policy is transferred to your name.

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Home / Motor Insurance / Car Insurance / Comprehensive Car Insurance

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Comprehensive Car Insurance

Q: Is purchasing Comprehensive car insurance mandatory?

It is not mandatory to purchase comprehensive car insurance. As per Motor Vehicles Act of 1988, it is compulsory to buy third party cover. However, with comprehensive insurance you get coverage for own damage and third party liabilities, whereas with third party insurance the insurer will only bear financial burden for third party losses.

Q: What are the documents required to raise a claim under comprehensive car insurance policy?

The most common documents required for raising comprehensive car insurance claim under any scenarios are FIR report, vehicle’s registration certificate, driving license, car insurance copy, claim form. In case of theft RTO’s theft declaration and subrogation letter is required. For third party claim, you will have to submit claim form along with insurance copy, FIR and copy of RC & Driving License.

Q: Who Should Get a Comprehensive Car Insurance?

Comprehensive car insurance policy is advisable for new car owners, people who go on constant road trips and metropolitan city car owners.

Q: What is the duration of a comprehensive car insurance policy?

The validity of Comprehensive Car Insurance is usually one year. However, if you opt for a long-term policy, coverage will extend based on the number of years you opt while purchasing the policy.

Q: Can I transfer my NCB discount if I change my insurer?

You can transfer your NCB benefit from one insurance company to another without losing NCB benefit. NCB will remain valid if your insurance company changes and the benefit of NCB can be used with your new insurer. However, No claim bonus (NCB) gets lapsed, if you do no renew policy within 90 days of its expiry.

Q: What is the difference between comprehensive insurance and 3rd party car insurance?

The primary distinction between third party and comprehensive insurance is the type of coverage provided. Comprehensive car insurance covers your own damages and third party losses, whereas third party insurance only covers third party liabilities. In India having at least basic third party insurance is a legal requirement as per the Motor Vehicles Act of 1988. Failure to have one may result in fines.

Q: Can I shift my car insurance plan from a third party liability plan to a comprehensive car insurance plan? Which is better?

Yes, you can shift your car insurance plan from a third party liability to a comprehensive car insurance policy. With comprehensive car insurance policy you get coverage for your own car's damages and losses caused by unforeseen events such as accidents, collisions, monsoon floods, fires, and so on. A comprehensive car insurance policy eliminates the need to purchase a separate personal accident policy because it covers everything. Note: If you already have a third -party liability policy, you can also get a separate standalone own damage policy to cover your vehicle’s own damage.

Comprehensive car insurance is a type of motor insurance policy that gives complete protection for your car. It covers damages to your own vehicle due to accidents and natural/man-made disasters. In addition, it also provides coverage for third-party liabilities, which is mandatory as per the law. Simply put, it helps you stay financially protected against most risks your car may face on the road.

What is Comprehensive Car Insurance?

With a comprehensive car insurance plan, if your car suffers any damage, you get financial support equal to the repair amount. The kinds of damage covered differ from plan to plan. A standard comprehensive plan will cover damages due to accidents, theft, fire, natural disasters (earthquakes, landslides, storms, etc.), and more. It will also cover third-party liabilities.

With such wide-ranging coverage, you can enjoy peace of mind every time you hit the road.

Comprehensive insurance also offers a personal accident cover of up to ₹15 lakh~*. This cover provides financial support in case the owner-driver is injured or passes away due to an accident. With HDFC ERGO, you can further customise your policy by choosing helpful add-ons such as Zero Depreciation, EMI Protector Plus, and Return to Invoice, based on your needs.

What Are the Key Features of Comprehensive Car Insurance?

A comprehensive car insurance policy comes with several features to ensure a smooth, all-around safe journey for you.

Feature	What It Means
Dual Coverage Under One Policy	Combines third-party liability and own damage in a single policy for broader protection.
Own Damage Cover for Multiple Risks	Covers damage due to accidents, theft, fire, natural calamities (floods, storms, quakes) and man-made events (riots, vandalism).
Mandatory Personal Accident Cover	Includes PA cover for the owner-driver as per IRDAI rules, offering financial support in case of accidental death or disability.
Optional Add-ons Available	Allows selection of useful add-ons like Zero Depreciation, Engine Protection, NCB Protection, Roadside Assistance, and Return to Invoice.
Cashless Repairs at Network Garages	Enables cashless servicing at authorised garages, where repair bills are settled directly between the insurer and the garage.
No Claim Bonus Benefit	Provides NCB discounts at renewal for claim-free years, reducing future premiums.

How Does Comprehensive Car Insurance Work?

The meaning of comprehensive car insurance lies in its name – it is comprehensive. i.e., it covers both third-party damages and own damages to the vehicle. In the case of damages to your vehicle due to any insured peril under comprehensive insurance for the car, the insurer will bear the repair cost. In the case of a theft, the insurer pays a lump sum benefit covering the financial loss you suffer.

You can even make a cashless claim under comprehensive insurance if you get your car repaired at a networked garage.

Example: The insurer will bear the repair cost if Mr. A's vehicle gets damaged due to a flood.

On the other hand, if any third party is physically injured or killed, or any third-party property is damaged by the insured vehicle, the policyholder can claim expenses for these damages under a comprehensive car insurance policy. The insurer would handle the compensation payable to the third party for the financial loss you have caused under a comprehensive car insurance policy.

Example: If Mr. A's vehicle damages Mr. B's bike in an accident, then Mr. A can claim expenses under comprehensive car insurance for losses incurred to Mr. B’s bike.

What is Covered and Not Covered Under Comprehensive Car Insurance?

Understanding what is covered and what is not under a comprehensive car insurance policy helps you avoid surprises at the time of a claim and choose the right coverage with confidence.

What is covered?
What is not covered?

The following pointers explain the various inclusions under the coverage of the HDFC ERGO comprehensive car insurance policy:

Accidents

This cover applies if your car is damaged in an accident and helps take care of the repair or replacement costs, as per policy terms.

Fire & Explosion

If your car is damaged due to fire or an explosion, we take care of the finances for the repairs, as per policy wordings.

Theft

In case your car is stolen during the policy period, we will repay you as per the loss incurred, subject to policy terms.

Calamities

If your car is damaged due to natural events (floods or earthquakes), or man-made events (like riots or vandalism), we provide financial support for the repairs.

Personal Accident

In case of injuries to the owner-driver due to a car accident, we provide financial support for the same.

Third Party Liability

We cover damages to property or injuries sustained by a third-party person through our third-party insurance feature.

In some cases, comprehensive car insurance will not be able to accept certain claims. Here is a list of exclusions under the HDFC ERGO comprehensive car insurance policy:

Depreciation

The general wear and tear of tyres and other car spare parts is not covered under comprehensive insurance.

Electrical & Mechanical Breakdown

Comprehensive coverage does not provide coverage for electrical and mechanical breakdown of the vehicle, such as the engine getting seized.

Illegal Driving

The policy does not cover accidents where the driver was driving without a valid driving license or under the influence of alcohol.

Damage outside Geographical Limits

The comprehensive car insurance policy will not accept any claims for damages or losses sustained outside India.

War-related Losses

The policy will not cover any damage or loss suffered by the insured four-wheeler due to situations, such as war, nuclear risks, mutiny, etc.

What Are the Benefits of Buying Comprehensive Car Insurance?

There are plenty of benefits of buying comprehensive car insurance for your four-wheeler in India. Here are some of the key perks:

Benefit	What It Means
Broad Protection for Your Car	Covers damage to your car + third-party liability under one policy, helpful in a country with high accident rates. ^[1]
Meets Legal Requirements	Includes mandatory third-party cover, so your car stays legally compliant on public roads. ^[2]
Cashless Repair Support	Access to 9000+ network garages where repair bills are settled directly with the insurer.
Customisable Coverage	Lets you add useful add-ons and adjust IDV based on your car’s value and needs.
No Claim Bonus Savings	Earn up to 50% NCB discount on own-damage premium for claim-free driving.
Personal Accident Protection	Owner-driver gets PA cover (up to ₹15 lakh) for accidental death or disability.
24×7 Customer Assistance	Get round-the-clock support via call, email, or WhatsApp for policy or claim help.
Digital Claims Convenience	Quick, easy online claim filing for fast assistance during emergencies.
Budget-Friendly Options	Offers wide coverage at competitive premiums without stretching your budget.

Which Add-On Can You Choose with Comprehensive Car Insurance?

Here are the add-on covers you can opt for to enhance your comprehensive car insurance coverage.

Zero Depreciation Cover

This zero depreciation car insurance cover ensures that depreciation is not deducted from the claim amount for replaced car parts.

Example: Your car is hit from behind in traffic, and the rear bumper needs replacement. With this cover, the insurer considers the full cost of the new bumper without reducing its value.

NCB Protection Add-On

This cover protects your No Claim Bonus even if you make a claim during the policy year.

Example: You file a claim for accident repairs after a minor collision, but your No Claim Bonus is not reduced when you renew the policy.

Emergency Assistance Cover

In case of car breakdown or technical failure, you can make use of this emergency or roadside assistance add on cover and get assistance anywhere, anytime.

Example: Your car stops working on a highway due to a battery issue. You reach out to the insurer and help is arranged to either fix it on the spot or tow it to a nearby garage.

Cost of Consumables - Car insurance claim

Cost Of Consumables Cover

This add-on pays for consumable items used during accident-related repairs, which may not be covered in standard plans.

Example: During repairs, items like engine oil, brake oil, and coolant are replaced. With this add-on, their cost is included in the claim.

Tyre Secure Cover

With this cover, you get coverage for repair or replacement of tyres and tubes due to accidental damage.

Example: A tyre gets damaged after hitting a deep pothole on a city road, and the cost of replacing the tyre is covered.

Return To Invoice

If your car is stolen or declared a total loss, this cover pays the original invoice value of your car, as per policy terms.

Example: Your car is stolen from your apartment parking area and cannot be recovered. Instead of the current market value, you receive the full purchase price mentioned on the invoice.

Engine and Gear Box Protection

This add-on allows you to claim the repair or replacement costs for damage to engine and gearbox parts due to specified causes.

Example: You drive through a flooded street during heavy rains, and water enters the engine. The cost of repairing the engine is covered under this add-on.

Downtime Protection

If your car is under repair, this add-on provides financial support to cover the costs of commuting and travel.

Example: After an accident, your car remains in the garage for five days. You can use this cover to pay for cab rides to your workplace used during that period.

Loss of Personal Belonging - best car insurance in india

Loss Of Personal Belongings Cover

If you want to protect personal items kept inside the car in case of loss or theft, consider opting for this add-on.

Example: Your parked car is broken into, and a laptop kept inside the car is stolen. This cover applies to the loss of the laptop.

Pay as your drive Cover

With this add-on, you can get 25% of the basic own-damage premium at the end of the policy period if you drive less than 10,000 km.

Example: You mainly use your car on weekends and drive less than 10,000 km in a year. At the end of the policy year, you find that you are eligible for a benefit on your own-damage premium.

Also Read: Pros & Cons For Choosing Pay As You Drive Add-on Cover

Does Comprehensive Car Insurance Cover Personal Accident?

Comprehensive coverage automatically includes compulsory personal accident (PA) cover for the owner-driver (₹15 lakh minimum sum insured) as mandated by IRDAI; it's not an "extension" or optional add-on. ^[3]

This cover typically includes:

• Accidental death of the owner-driver

• Permanent total disability due to an accident

• Permanent partial disability caused by an accident.

If you already have an existing PA cover as a part of your health plan or with another motor insurance policy, you do not need to opt for it again.

Also Read: Find Out Why a 15 Lakh Personal Accident Cover is Mandatory

Comprehensive Car Insurance Vs. Third Party Car Insurance

When choosing car insurance, it is important to understand how much protection you want for your vehicle. A third party cover for your car is important because it meets the basic legal requirement. However, a comprehensive car insurance policy offers wider coverage for both your car and covers third-party liabilities.

The table below helps you understand the key differences between the comprehensive and third party car insurance, so you can make an informed choice based on your needs.

	80% CUSTOMERS CHOOSE THIS
Coverage Aspect	Comprehensive Cover Insurance	Third-Party Car Insurance
Damage To Your Own Car	Covered for accidents and insured events	Not covered
Natural Calamities	Covered (floods, earthquakes, cyclones, etc.)	Not covered
Fire, Theft, And Vandalism	Covered	Not covered
Personal Accident Cover (₹15 Lakh)	Included	Included
Add-On Covers Availability	Available (Zero Depreciation, NCB Protect, etc.)Not available	Covered
Third-Party Property Damage	Covered	Covered
Injury Or Death of a Third Party	Covered	Covered
Legal Compliance Under Motor Law	Yes	Yes
Customisation Of Insured Declared Value (IDV)	Allowed	Not allowed
Overall Scope of Protection	Wide coverage for car and liabilities	Limited to third-party liabilities

BUY NOW

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! ^[4]

What Is the Difference Between Comprehensive Car Insurance and Own Damage Car Insurance?

While both options may sound similar, they serve different purposes and suit different needs. Here’s a table to help you decide.

Point Of Comparison	Comprehensive Car Insurance	Own Damage Car Insurance
What It Covers	Covers damage to your own car and third-party legal liabilities	Covers damage to your own car only
Third-Party Liability Cover	Included	Not included
Damage To Own Car	Covered for accidents, theft, fire, and insured events	Covered for accidents, theft, fire, and insured events
Legal Requirement	Meets mandatory motor insurance requirement	Must be purchased along with an active third-party policy
Add-On Covers	Add-ons available for own damage and related risks	Yes, available
Premium Level	Higher, due to wider coverage	Lower, as coverage is limited
Claim Types Allowed	Claims for own car damage and third-party liabilities	Claims only for damage to your car
Policy Management	Single policy to buy and renew	Needs to be managed along with a separate third-party policy
Who It Is Best Suited For	Car owners looking for broader protection and convenience.	Car owners who already have third-party insurance

Quick Recommendation

• Choose Comprehensive Car Insurance if you want wider protection for your car, along with mandatory third-party cover, all under one policy. It is suitable for new cars, frequent drivers, or those looking for peace of mind against multiple risks.

• Choose Own Damage Car Insurance if you already have a valid third-party policy and want coverage only for damage to your own car, usually at a lower cost.

How to Calculate Comprehensive Car Insurance Premium?

While buying a comprehensive car insurance policy, it is necessary to know how its premium is calculated. Here’s a step-by-step guide for calculating your car insurance premium

Step 1: Visit the HDFC ERGO website and click on car insurance. On the top of the page, you can enter the vehicle registration number and proceed by clicking on get a quote.
Step 2: After clicking on get a quote, you will have to enter your car’s make and model.
Step 3: Choose a comprehensive car insurance policy.
Step 4: Give details about your last insurance policy- Date of Expiry, No Claim Bonus Earned and Claims Made. Enter your mobile number and email ID.
Step 5: You can now view your comprehensive car insurance premium. If you have chosen a comprehensive insurance policy, you can customise your plan further by selecting add-ons like zero depreciation, emergency assistance, return to invoice and more.

Calculating comprehensive car insurance premium at the HDFC ERGO website is smooth and easy. You can also use our car insurance premium calculator for your convenience.

Why Should You Buy HDFC ERGO's Comprehensive Car Insurance

Buying comprehensive car insurance is highly recommended due to its extensive range of coverage and additional perks. Here are some key reasons why car owners should consider purchasing comprehensive insurance for their cars;

Comprehensive Coverage

With HDFC ERGO comprehensive car insurance policy you get complete protection from loss of expense arising due to flood, earthquake, fire, theft and other unforeseen events.

Flexible

You can customise your comprehensive car insurance plan with suitable 8+add on covers. You can choose riders like zero depreciation, no claim bonus protection, roadside assistance, etc.

Cashless Garages

HDFC ERGO has wide network of 9000+ garages offering free repairs and replacement services.

Affordable premiums

With HDFC ERGO’s car insurance plans, affordability is never an issue. Get low premiums which are pocket-friendly without compromising on the scope of coverage.

Third-party Damage

Comprehensive insurance also provide third-party liability coverage. Here the insurer monetarily compensates for the injuries caused to third parties involved in the accident with the insured car. It also covers their property damage.

Give us a call to understand “what is comprehensive car insurance” and “how it can protect your car against unforeseen damages”. Learn the comprehensive car insurance meaning and get instant quotes on plans!

What Are the Factors that Affect Comprehensive Car Insurance Premium?

Comprehensive car insurance premiums are higher than third-party plans because they cover both own damage and third-party liability.

Apart from the coverage, there are multiple other factors affecting the car insurance premium. The following points highlight some of the key aspects that can influence the premium payable for a comprehensive car insurance policy:

Car Make, Model, and Variant

The type of car you own affects your premium. High-end or premium models have costlier spare parts and complex components, which increases repair expenses. As a result, their premiums are higher compared to basic or entry-level cars.

Car Age and Registration Location

Newer cars have a higher value, so they attract higher premiums. As the car gets older, its value drops, which reduces the premium. The location also matters. Consider that 26,770 people lost their lives in road accidents on National Highways (NHs) across India in the first six months of 2025 ^[5] . Such statistics mean the chances of a claim are higher, hence, the high premium.

The Insured Declared Value (IDV)

IDV is your car’s market value after depreciation, and it decides the maximum payout in case of total loss or theft. A higher IDV increases your premium, while a lower IDV decreases it. However, choosing a very low IDV in car insurance can lead to lower claim payouts and inadequate coverage.

The Add-ons Selected

Add-ons are additional coverage benefits that come at an additional premium. Each add-on, such as zero depreciation, engine protection, or roadside assistance, increases the overall premium. It’s ideal to pick add-ons based on your driving pattern, vehicle usage, and car age.

Available NCB

If you have not raised any claims during the previous policy period, you are eligible for a No Claim Bonus at renewal. NCB can reduce the own-damage premium by up to 50% over consecutive claim-free years, as per insurance guidelines in India.

Driving Record and Claim History

If you’ve raised multiple claims in the past, insurers may view you as a higher-risk driver, which can result in a higher premium. On the other hand, a clean driving record with no claims can help lower your premium over time and enhance eligibility for NCB.

Voluntary Deductible

Choosing a higher voluntary deductible means you agree to bear a larger portion of repair costs during a claim. In return, insurers offer a lower premium. This option is suitable for experienced drivers with a low likelihood of claims.

Safety and Anti-Theft Features

Delhi saw over 2,500 cars being stolen within the first six months of 2025. ^[6] If you have fitted your car with approved anti-theft devices and enhanced safety features, it might lower the risk of such theft or related damage. Insurers tend to reward this reduced risk with premium discounts.

Policy Tenure and Payment Options

Opting for long-term policies (like multi-year plans) can offer better pricing stability and fewer renewal hassles. Renewing your policy on time also helps retain benefits like NCB. Letting the policy lapse can lead to higher premiums and even lead to vehicle inspection in some cases.

Comprehensive Car Insurance is an all-in-one policy having coverage that gives back more than it takes.

How Can You Reduce Your Car Insurance Premium?

By using these smart ways to reduce your car insurance premium, you can save money while keeping your vehicle protected. Here are practical tips you can apply:

Compare insurance quotes before you buy or renew

Review and compare car insurance options online before buying or renewing your policy. It will help you choose a plan that offers optimal protection while keeping costs in check.

Maintain a clean driving record

Safe driving not only protects you and others on the road, but it also helps keep your premiums low. Drivers with fewer accidents, traffic violations, or insurance claims are rewarded with lower premium rates over time.

Opt for a higher voluntary deductible

Choosing to pay more out of pocket in the event of a claim can significantly lower your annual premium. Just make sure the deductible is an amount you can afford.

Avoid unnecessary or frequent small claims

If you can afford minor repairs yourself, skipping small claims helps protect your NCB and keeps premiums lower at renewal.

Use anti-theft and safety devices approved by authorities

Installing approved anti-theft alarms, immobilisers, or GPS tracking systems can reduce the risk of theft. It can lead to discounts on insurance, often because these lower the chances of a payout.

Choose add-ons wisely

While add-ons like zero depreciation cover or roadside assistance offer extra protection, they increase your premium. Evaluate what you really need before adding them.

Keep your policy active and renew on time

Letting a policy lapse (expire without renewal) can hurt your premium and erode any accumulated discounts like NCB. Regular renewals help you retain benefits.

Review and adjust your Insured Declared Value (IDV)

IDV reflects your car’s current market value; a lower IDV can reduce premium. However, do not lower it so much that your coverage becomes inadequate.

Consider usage-based or pay-as-you-drive options

Your premium can be based on how much you drive, so lower usage can lead to significant savings. If you have a pay-as-you-drive cover, you can save up to 25% off on your renewal premium with less usage!

Check for discounts and bundled policies

Ask about loyalty or safe-driver discounts offered by insurers. If you have multiple policies (like car plus home insurance), bundling them may qualify you for a multi-policy discount. This differs from insurer to insurer.

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. ^[7]

Who Should Buy Comprehensive Car Insurance?

Here are the categories of car owners who should consider buying comprehensive car insurance for better protection and peace of mind.

New Car Owners

Purchasing a car requires a huge financial investment, which makes it necessary to protect it from all kinds of risks. Hence, new car owners must opt for comprehensive car insurance coverage to get complete vehicle protection.

Avid Travellers

A comprehensive insurance policy is necessary if you are a travel enthusiast and love to drive your car to different places and cities. It will guard you and your car against emergencies and allow you to avail roadside assistance cover as an add-on.

People Staying in Metropolitan Cities

Residents of metropolitan cities like Delhi, Bangalore, Mumbai, etc., must have comprehensive insurance since they are prone to never-ending traffic, pollution and frequent accidents compared to smaller cities.

People Staying in High-Risk Areas

There are few places that are more prone to accidents or dangers than others. For example, landslides are common in mountainous areas. So, people in such areas should have a comprehensive car insurance policy to keep their vehicles protected.

Expensive Car Owners

Owning a luxury car not only makes you stand out but also makes you an easy target for theft. In addition, if an expensive car gets stolen or damaged in an accident, the financial loss is significantly higher. Thus, it is important to protect such vehicles with a comprehensive car insurance policy.

Owners Of Older Cars with High Repair Costs

Some cars may not be luxury models, but their spare parts may be costly or hard to find. Having comprehensive insurance means they can get coverage for such unexpected repair expenses after accidents or disasters.

Daily Office Commuters

People who drive daily for work are more exposed to road accidents, bumper-to-bumper traffic and parking-related damages. Comprehensive insurance supports them by covering accidental and third-party damages.

People Who Park Their Cars Outdoors

If someone does not have covered or secure parking, risks like theft, falling objects, fire, animal damage, or vandalism are higher. Comprehensive insurance provides better financial protection in such scenarios.

How to Buy Comprehensive Car Insurance Online?

Here are the steps you can follow to buy comprehensive car insurance online quickly and easily.

Step 1 to calculate car insurance premium

Visit the Website

Visit the HDFC Ergo website. Enter the registration number
of your vehicle and click on ‘Get Quote’.
You can also check quote by entering the
make and model and the year of manufacturing.

Step 2 - Select policy cover- calculate car insurance premium

Choose the Comprehensive Plan Option

If you proceed by entering the registration number,
you can proceed by choosing the comprehensive plan

Step 3- Previous car insurance policy details

Enter Details

Provide your previous policy details, such as
NCB status, previous policy type,
and expiry date.

Customise the Policy & Pay the Premium

Opt for any optional add-ons that
you wish to add to your base policy.
The final premium will be displayed. You can
pay the premium online, and the policy will be issued instantly.

What to Keep in Mind While Raising a Comprehensive Car Insurance Claim?

Making a comprehensive insurance claim is relatively easy when you follow the correct process. To ensure smooth and timely claim settlement, here are some important points you should consider while raising a claim:

Report The Claim Immediately

Always report the claim immediately after the incident. Keep the claim reference number handy, which is essential for all future claim-related communications.

File An FIR For Theft or Third-Party Claims

If you are filing a claim for third-party injuries/damages or theft, a police First Information Report (FIR) is mandatory.

Avoid Claims for Policy Exclusions

The policy does not cover certain situations. Ensure you don't raise claims for policy exclusions to avoid rejections.

Pay And Reimburse at Non-Cashless Garages

If your car is not repaired at a cashless garage, you will need to pay the repair costs upfront. You can then apply for reimbursement by submitting the required claim documents.

Deductibles Are Borne by the Policyholder

The deductible amount will need to be borne by you for every claim you make.

Use the Insurer’s Helpline or Mobile App

Many insurers offer 24x7 helplines and app-based claim filing. Using these helps speed up the claim registration and reduces paperwork errors.

Don’t Start Repairs Without Approval

Unless it’s an emergency, avoid starting repairs before the surveyor’s inspection and approval, as it may lead to partial or delayed claim settlements.

Keep All Bills and Documents Safely

Store repair invoices, payment receipts, FIR (if filed), photos, and claim forms safely. These are necessary for reimbursement-based claims.

Click Photos/Videos of the Damage

Capturing clear photos/videos of the incident location, vehicle damage, and any third-party involvement helps support your claim case.

Why Buy Comprehensive Insurance Online?

Here are the key reasons why buying comprehensive insurance online is a smart choice.

Ease and Convenience

Experience true convenience by giving your car complete protection from the confines of your home, all within 3 minutes!

Informed and Transparent Choice

Researching and knowing what comprehensive car insurance is and what your policy entails can help you stay abreast of what’s in store, rather than being caught unaware.

More Cost Effective

It helps you save your hard-earned money while you explore different combinations of add-ons and other parameters that decide your premium amount.

Compare Before You Buy

You don’t have to settle for the first option. With online buying, you can compare plans, coverage, claim support, and customer reviews side-by-side.

Zero Paperwork

No forms, no photocopies, no courier hassles. Everything, from proposals to payments, happens digitally. This reduces errors, saves time, and is also great for the environment.

How to Claim Comprehensive Car Insurance?

Filing a claim just got easier with our 4-step process and a claims settlement record that will ease your worries!

1
Upload Documents
Call our helpline number or send a message on WhatsApp at 8169500500. Our agent will send you a link. You can upload documents online using that link.
2
Self Survey/ Digital Surveyor
You can opt for self-inspection or an app-enabled digital inspection by a surveyor or workshop partner.
3
Claim Tracker
You can track your claim status through the claim tracker.
4
Claim Approved
Once your claim is approved, you will receive the notification via the message, and the claim will be settled through a network garage.

What Are the Documents required for Filing a Comprehensive Car Insurance Claim?

1. Duly filled claim form

• This is the primary document that officially initiates your claim.

• It captures details such as policy number, vehicle information, date and cause of loss, and claim amount.

• Ensure all details match your policy records to avoid discrepancies.

2. Copy of the car insurance policy

• A copy of your active comprehensive car insurance policy is required to verify coverage.

• It helps to confirm policy validity, coverage scope, and add-ons, if any.

3. Registration Certificate

• The RC confirms ownership and vehicle details.

• A self-attested copy is usually sufficient, though the original may be required for verification.

4. Valid driving license

• A copy of the driving license of the person driving the car at the time of the accident is mandatory.

• The license must be valid and appropriate for the type of vehicle being driven.

5. FIR or police report (if applicable)

• Required in cases of theft, major accidents, third-party injury, death, or significant property damage.

• A General Diary (GD) entry or police intimation may be accepted, depending on the situation.

6. Photographs of the damaged vehicle

• Clear photos showing the extent of damage from multiple angles help speed up assessment.

• These are especially important for cashless and digital claims.

7. Repair estimate or invoice

• A repair estimate from the garage is required before claim approval.

• After repairs, the final invoice and payment receipt may be needed for reimbursement claims.

8. Surveyor’s inspection report

• A surveyor is appointed to assess the damage and estimate the claim amount.

• Cooperation during inspection helps avoid claim delays.

9. PAN card or identity proof

• Required for identity verification and compliance purposes, especially for higher claim amounts.

• In some cases, address proof may also be requested.

10. Cancelled cheque or bank details

• Needed to process claim payment directly into your bank account for reimbursement claims.

• Ensure the account details match the policyholder’s name.

11. Additional documents (case-specific)

• Theft claims may require a non-traceable certificate from the police.

• Claims involving third-party damage may need court documents or legal notices.

• Natural disaster claims may require location or weather-related confirmation.

What is NCB in Comprehensive Car Insurance?

NCB stands for No Claim Bonus. You earn this bonus in a comprehensive car insurance policy if you don't claim during a policy year. With NCB, the insured person gets a discount on the comprehensive car insurance premium at the time of renewal in the following policy year. The rate of the NCB also increases after each successive claim-free year.

In the first year, the policyholder gains a 20% NCB discount if they haven’t made any claims during the policy year. Consequently, the policyholder continues to gain an additional 5% to 10% NCB with each consecutive claim-free year. However, once you make a claim, the accumulated NCB becomes zero. After that, you start earning NCB again from the next policy year, provided they are claim-free.

To learn more about NCB in car insurance, such as its benefits, how it is calculated, how it can be terminated, etc., check NCB in car insurance.

The NCB allows you to get a premium discount at the time of renewal. The rate of the NCB is as follows:

Number of claim -free years	Allowed NCB
After the first claim -free year	20%
After two successive claim -free years	25%
After three successive claim -free years	35%
After four successive claim -free years	45%
After five successive claim -free years	50%

Also Read: How to Get NCB Certificate?

What is IDV in Comprehensive Car Insurance Policy?

Insured Declared Value (IDV) in comprehensive car insurance is the maximum amount the policyholder will receive if the vehicle is damaged beyond repair or stolen.

IDV represents the approximate market value of the car and it changes every year due to depreciation.

IDV = (The price of the car as determined by the manufacturer - Depreciation based on the car's age) + (Cost of accessories added to the car - Depreciation based on the age of such accessories).

A Simple Example

Let’s say you bought a car and its IDV is ₹10 lakh in the first year. If the car gets stolen during that year, the insurer will pay ₹10 lakh (subject to policy terms).

As years pass, the IDV will drop due to depreciation. For example:

• Year 1 IDV: ₹10,00,000

• Year 2 IDV: ₹9,00,000 (example)

So, a total-loss claim in Year 2 would settle around ₹9 lakh.

You can read more about IDV, such as its importance, the factors affecting it, and how it influences car insurance premiums, check IDV in car insurance.

The rate of depreciation has been pre-determined. It is as follows:

Age of the car	Depreciation rate
Up to 6 months	5%
More than six months but less than a year	15%
More than a year but less than two years	20%
More than two years but less than three years	30%
More than three years but less than four years	40%
More than four years but less than five years	50%

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Comprehensive Car Insurance Reviews & Ratings

4.4 Stars

Our customers have rated us

View all 1,58,678 Reviews

ROBIN KOSHY CHERIAN

PRIVATE CAR COMPREHENSIVE POLICY

23 December 2024

BENGALURU

HDFC ERGO system is in place and staffs are well trained. They know exactly what is required by the client. I was able to resolve my requirement in 2-3 minutes. Well done.

GAUTAM KUMAR SAHOO

PRIVATE CAR COMPREHENSIVE POLICY

21 November 2024

CHAIBASA

HDFC ERGO's chat team member helped me to know whether ekyc was linked to my policy or not. The customer care executive also guided me how to link it. I appreciate the quick response and helpful nature of your executive.

RAGLI BAGRA

PRIVATE CAR PACKAGE POLICY BUNDLED

18 October 2024

EAST SIANG

I appreciate the quick response of your customer care team. Thank you.

MR RAJAN MAHENDRA

PRIVATE CAR OD ONLY

19 September 2024

CHENNAI

I must say that customer service experience at your Guindy office was amazing.

JAYDATT CHETANBHAI MAHAJAN

PRIVATE CAR PACKAGE POLICY BUNDLED

30 August 2024

SURAT

Excellent service by your customer care team.

ROBIN KOSHY CHERIAN

PRIVATE CAR COMPREHENSIVE POLICY

23 August 2024

BENGALURU

I think that the HDFC ERGO system works efficiently and they have hired well-trained staff to handle client queries. My problem was resolved in just 2-3 minutes.

GAUTAM KUMAR SAHOO

PRIVATE CAR COMPREHENSIVE POLICY

21 August 2024

CHAIBASA

Your customer care executive helped me easily identify whether ekyc was linked to my policy. I appreciate the helpful nature of that person.

MR RAJAN MAHENDRA

PRIVATE CAR OD ONLY

16 August 2024

CHENNAI

I had a good experience with the customer service officer at your Guindy branch in Chennai.

RAGLI BAGRA

PRIVATE CAR PACKAGE POLICY BUNDLED

16 August 2024

EAST SIANG

Thank you HDFC ERGO customer care team for your quick response.

PRASAD SUDHAKAR BHARDWAJA

PRIVATE CAR COMPREHENSIVE POLICY

9 August 2024

PUNE

The process at HDFC ERGO is simple and I always receive quick responses to my mail every time from your team.

SRIDHAR AKULA

PRIVATE CAR PACKAGE POLICY BUNDLED

7 August 2024

CHENNAI

My claim request went well in the end. Initially I found difficult raising the claim, however, in the end everything was resolved.

HARDIK RAJESHKUMAR AGRAWAL

PRIVATE CAR COMPREHENSIVE POLICY

31 July 2024

VADODARA

Customer care services provided by HDFC ERGO is remarkable.

SURAJ KUMAR

PRIVATE CAR LIABILITY ONLY

30 July 2024

JAMMU

The customer care executive person was very humble and soft-spoken. Your team members have perfect telephone etiquette with remarkable voice modulation.

TAKHI SHAKEEL MOULAVI

PRIVATE CAR PACKAGE POLICY BUNDLED

25 July 2024

SOLAPUR

My experience with HDFC ERGO is excellent.

AJAY KUMAR KAUL

PRIVATE CAR PACKAGE POLICY BUNDLED

19 July 2024

FARIDABAD

HDFC ERGO team provides good support to the customer.

CHHAGAN LAL

PRIVATE CAR COMPREHENSIVE POLICY

12 July 2024

DAHOD

I must say that HDFC ERGO provides the best services to their customers.

VIKRAMADITYA RAI

PRIVATE CAR PACKAGE POLICY BUNDLED

14 June 2024

VARANASI

HDFC ERGO provides the best customer car service. I like their behaviour of responding promptly and instantly starting the work on that query.

N S KUMAR NA

PRIVATE CAR COMPREHENSIVE POLICY

14 June 2024

CHENNAI

The customer care executive who attended to my call was extremely courteous, and called me thrice to resolve the issue. Full marks to the customer care team for superb customer care attitude.

VIJAY SHANKAR MENON

PRIVATE CAR

25 May 2024

COIMBATORE

Your sales manager was very helpful and proactive in getting the policy renewed.

TUMULURI RAVI KUMAR

PRIVATE CAR COMPREHENSIVE POLICY

21 May 2024

BENGALURU

HDFC ERGO provides doorstep services and are very excellent at their work. Whenever I have approached your team, they have provided quick solution to my query.

MOHIT VERMA

PRIVATE CAR POLICY

14 May 2024

GHAZIABAD

I have chosen HDFC ERGO first time for my four-wheeler and I am glad to say that they provide really good services. The self inspection option is really good for saving valuable time of the customer. I thanks HDFC ERGO team for always providing good customer experience.

EMME SALOMI

PRIVATE CAR

10 May 2024

MEDAK

We can access HDFC ERGO car insurance policy details at anytime easily. Your customer care representatives are very friendly.

FARHAN NAZIR

PRIVATE CAR POLICY

29 April 2024

PULWAMA

HDFC ERGO customer care team believes in providing quality service.

MADAPARTHI NARENDRA

PRIVATE CAR POLICY

20 April 2024

VIDAVALUR

HDFC ERGO provides hassle-free services. Pleased with the quick action and process for attending the customer query.

TARESHKUMAR SHAMBHUBHAI PATEL

PRIVATE CAR POLICY

18 April 2024

AHMEDABAD

HDFC ERGO has good staff in their customer care team. I hope they continue providing the best services to their policyholders.

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Frequently Asked Questions on Comprehensive Car Insurance

How will car modifications affect your insurance policy?

Car modifications can increase your premium because they may increase the risk of theft or damage. In some cases, safety modifications like ABS or sensors may help reduce premium.

You must inform the insurer about modifications, otherwise, claims can get rejected.

How does the insurance policy change when you sell your car?

When you sell your car, you must transfer the active insurance to the new owner within 14 days. ^[8] If you buy a used car, make sure the insurance is also transferred to your name.

Is purchasing comprehensive car insurance mandatory?

No, comprehensive insurance is not legally mandatory. Only third-party insurance is compulsory as per law in India.

However, comprehensive gives better protection by covering your own car too.

Can I renew my Comprehensive car insurance policy online?

You can renew your comprehensive car insurance policy anytime online, with insurance providers like HDFC Ergo.

Just go to the HDFC Ergo website, fill in your details, and renew your comprehensive car insurance policy online in minutes.

What are the documents required to raise a claim under comprehensive car insurance policy?

You will need an FIR report, vehicle’s registration certificate, driving license, a car insurance copy, and the claim form, to raise a comprehensive car insurance claim.

FIR is needed in cases like theft, injury, or major damage. Sometimes, extra documents are asked depending on the situation.

Who Should Get a Comprehensive Car Insurance?

A comprehensive car insurance policy is advisable for new car owners, people who go on frequent road trips, city drivers, and more. Anyone wanting peace of mind and wider coverage should consider it.

What is the duration of a comprehensive car insurance policy?

The validity of comprehensive car insurance is usually one year. However, if you opt for a long-term policy, coverage will extend based on the number of years you opt for while purchasing the policy.

Can I transfer my NCB discount if I change my insurer?

Yes, NCB (No Claim Bonus) can be transferred to a new insurer. It remains valid as long as you renew on time without a break. NCB reduces premiums and can go up for claim-free years.

What is the difference between comprehensive insurance and 3rd party car insurance?

Third-party covers damage to others but not your own car. In India, having basic third-party insurance is a legal requirement as per the Motor Vehicles Act of 1988.

Comprehensive covers both third-party and own damage due to accidents, theft, etc. This makes comprehensive coverage more helpful in real-life situations.

Can I shift my car insurance plan from a third party liability plan to a comprehensive car insurance plan? Which is better?

Yes, you can shift your car insurance plan from a third-party liability plan to a comprehensive car insurance policy. Comprehensive is better because it protects your own car too.

Third-party only meets legal requirements and offers no own damage cover.

Note: If you already have a third-party liability policy, you can also get a separate own damage policy.

What are some effective tips to reduce car insurance premiums?

You can reduce car insurance premium value by:

• Installing anti-theft devices

• Increasing deductibles,

• Having a clean driving record, and

• Accumulating NCB benefits by driving safely and avoiding unnecessary claims.

How to calculate the insurance premium for second-hand car?

Here’s the process:

• Visit our car insurance page

• Enter your vehicle’s registration number and previous policy details

• Choose a plan from comprehensive, third party, or own damage cover.

• Select or remove add-ons.

• Click on the submit button to view the premium.

Does comprehensive car insurance cover natural disasters?

Yes, it covers damages from floods, earthquakes, storms, etc. You must report the incident quickly and share relevant evidence.

What is validity of comprehensive car insurance?

The typical validity is one year from the date of purchase. Insurers also offer multi-year options, which you can opt for, to avoid yearly renewal.

What are the types of comprehensive car insurance policy?

In India, comprehensive car insurance can be categorised as per the policy period. You can opt for an annual comprehensive car insurance policy or a long-term plan with a tenure of three or five years. New cars may get bundled plans with long-term third-party + yearly OD.

Is comprehensive insurance bumper to bumper?

No. Comprehensive car insurance is a type of car insurance policy. However, bumper-to-bumper, also called zero depreciation cover, is an add-on that removes depreciation deductions.

Can a 15-year-old car get comprehensive insurance?

In some cases, you may be able to buy comprehensive car insurance in India for your 15-year-old car. However, you must check whether such plans are offered for older vehicles. Coverage and premiums may vary across providers.

How much does comprehensive insurance cost?

Comprehensive car insurance costs more than a third-party or a standalone own damage policy due to its exhaustive coverage. Premium can vary depending on the IDV, model, city, and chosen add-ons.

Does comprehensive insurance cover engine failure?

No, normal wear and tear or mechanical damage is not covered. Engine Protect add-on is needed for water damage or oil leakage issues.

Can I convert third-party to comprehensive insurance?

Yes. You can easily convert your car’s coverage from third-party to comprehensive during renewal. You just need to choose own-damage cover + any add-ons you want.

How to choose the right comprehensive insurance plan?

When buying comprehensive car insurance, you should compare plans online to find the most suitable option. Plans can be compared based on inclusions, exclusions, claim settlement ratio, availability of cashless garages, and customer support.

Does comprehensive insurance cover accidental scratches?

Yes. Comprehensive car insurance covers accidental scratches as per policy provisions.

What is the difference between comprehensive and first-party insurance?

First-party car insurance refers to a standalone own damage policy. It covers damages or losses to the insured car due to accidents, fire, theft, floods, and similar risks.

Comprehensive car insurance covers third-party liabilities as well as damage to the insured vehicle.

Which parts are covered under comprehensive insurance?

Comprehensive car insurance covers major parts damaged due to accidents, theft, and natural events. Consumables like oil or nuts are excluded unless you add a consumables cover.

Add-ons can help fill such gaps based on your needs.

How is a comprehensive insurance claim settled?

First, you raise a claim and submit required documents. A surveyor inspects the damage and approves repairs. Payments can be done either cashless at network garages or via reimbursement.

Can you drive without comprehensive insurance?

Yes, as long as you have active third-party insurance. Third-party is compulsory under traffic laws in India. However, investing in comprehensive car insurance is highly recommended as it comes with own damage cover and the mandatory third-party cover.

You can use a plunger to fix minor dents on your car. However, the car insurance full coverage under the comprehensive plan is still the best option to tackle accidental damages/losses suffered by your car.

Buy CAR insurance NOW!

Reference Links

Citations

1. Source: Indiatimes
2. Source: PIB
3. Source: Indiatimes
4. Source: Morth
5. Source: Business-standard
6. Source: Business-standard
7. Source: CEEW
8. Source: IRDAI

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Your Comprehensive Car Insurance

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Comprehensive Car Insurance

What is Comprehensive Car Insurance?

What Are the Key Features of Comprehensive Car Insurance?

How Does Comprehensive Car Insurance Work?

What is Covered and Not Covered Under Comprehensive Car Insurance?

Accidents

Fire & Explosion

Theft

Calamities

Personal Accident

Third Party Liability

Depreciation

Electrical & Mechanical Breakdown

Illegal Driving

Damage outside Geographical Limits

War-related Losses

What Are the Benefits of Buying Comprehensive Car Insurance?

Which Add-On Can You Choose with Comprehensive Car Insurance?

Zero Depreciation Cover

NCB Protection Add-On

Emergency Assistance Cover

Cost Of Consumables Cover

Tyre Secure Cover

Return To Invoice

Engine and Gear Box Protection

Downtime Protection

Loss Of Personal Belongings Cover

Pay as your drive Cover

Does Comprehensive Car Insurance Cover Personal Accident?

Comprehensive Car Insurance Vs. Third Party Car Insurance

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! [4]

What Is the Difference Between Comprehensive Car Insurance and Own Damage Car Insurance?

Quick Recommendation

How to Calculate Comprehensive Car Insurance Premium?

Why Should You Buy HDFC ERGO's Comprehensive Car Insurance

Give us a call to understand “what is comprehensive car insurance” and “how it can protect your car against unforeseen damages”. Learn the comprehensive car insurance meaning and get instant quotes on plans!

What Are the Factors that Affect Comprehensive Car Insurance Premium?

Car Make, Model, and Variant

Car Age and Registration Location

The Insured Declared Value (IDV)

The Add-ons Selected

Available NCB

Driving Record and Claim History

Voluntary Deductible

Comprehensive Car Insurance is an all-in-one policy having coverage that gives back more than it takes.

How Can You Reduce Your Car Insurance Premium?

Compare insurance quotes before you buy or renew

Maintain a clean driving record

Opt for a higher voluntary deductible

Avoid unnecessary or frequent small claims

Use anti-theft and safety devices approved by authorities

Choose add-ons wisely

Keep your policy active and renew on time

Review and adjust your Insured Declared Value (IDV)

Consider usage-based or pay-as-you-drive options

Check for discounts and bundled policies

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. [7]

Who Should Buy Comprehensive Car Insurance?

New Car Owners

Avid Travellers

People Staying in Metropolitan Cities

People Staying in High-Risk Areas

Expensive Car Owners

Owners Of Older Cars with High Repair Costs

Daily Office Commuters

People Who Park Their Cars Outdoors

How to Buy Comprehensive Car Insurance Online?

Visit the Website

Choose the Comprehensive Plan Option

Enter Details

Customise the Policy & Pay the Premium

What to Keep in Mind While Raising a Comprehensive Car Insurance Claim?

Report The Claim Immediately

File An FIR For Theft or Third-Party Claims

Avoid Claims for Policy Exclusions

Pay And Reimburse at Non-Cashless Garages

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! ^[4]

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. ^[7]