CIC Blog

UNDERSTANDING COMPREHENSIVE CAR INSURANCE

It is important to choose the right kind of insurance for your vehicle and which one will suit you, your family and vehicle better. There are primarily two main car insurance covers namely comprehensive car insurance and third party car insurance. In this article, we are going to look into what a comprehensive car insurance cover is and its benefits. A comprehensive car insurance policy is one of the most preferred type of car insurance, as it insures for damages caused to you and your car as well as damages caused to other parties and their property.

Benefits of comprehensive car insurance

Covers your car’s accidental damage
The primary benefit of this cover is that you do not have to pay for accidental damage to your car. The cover protects you from incurring financial costs due to unfortunate damages and losses

Covers third party liabilities
The cover not only protects your car but also protects you from losses in case you damage another person or property.

Compensates you in case of car theft

Comprehensive car insurance can help you in the case of theft by compensating for the loss.

Cover enhancement

Comprehensive car insurance cover has the option of enhancing it to include additional coverage that your car can receive from this insurance cover. This ensures that you have a broader cover for a wider range of risks. Some of these add-ons may include engine and gearbox protection.

Breakdown assistance

Breakdown assistance is one of the many add-ons available in comprehensive car insurance. So, whether you are stuck midway or got a puncture on the road, you can easily make a call and request for breakdown assistance without it counting as a claim.

What’s not covered

  • It does not cover for damages caused due to normal aging or your car wearing out.
  • It does not protect your car from depreciating in value overtime.
  • The policy does not cover for accidents and damages on your car that were caused by you driving under the influence of alcohol.

The policy does not cover damages to your car if the accident occurs when you were driving without a valid driver’s license.