Third-Party vs Comprehensive: What's the Difference?

Every car owner in India must have at least third-party (TP) insurance as mandated by the Motor Vehicles Act, 1988. But comprehensive insurance offers far greater protection:

Must-Have Add-On Covers 🛡 Zero Depreciation Get full claim without depreciation deduction on parts. Must-have for cars under 3 years. 🚗 Roadside Assistance 24/7 towing, flat tire, battery jumpstart, fuel delivery — anywhere in India. 🌟 Engine Protection Covers engine/gearbox damage from waterlogging. Essential if you live in flood-prone cities. 💰 Return to Invoice Get full invoice value (not depreciated IDV) if car is stolen or totaled. Frequently Asked Questions Can I switch my insurance company at renewal?

Yes! You can transfer your policy to any insurer at renewal time while retaining your NCB. Use this to compare quotes and switch to a cheaper provider every year.

What if I miss my renewal date?

If your policy lapses for more than 90 days, you lose your accumulated NCB and may need vehicle inspection before renewal. Set a reminder 15 days before expiry.

Does car modification affect insurance?

Yes. Any modification (CNG kit, alloy wheels, body kit) must be declared. Undeclared modifications can lead to claim rejection. Inform your insurer and pay the nominal extra premium.

Car Insurance in India 2025: Comprehensive vs Third-Party — Which One Do You Need?

By Admin • Feb 23, 2026 • 📖 4 min read • ✅ Updated Feb 24, 2026

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Admin

Insurance & financial content specialist at PolicyBaazar. Helping Indians make informed insurance decisions with expert analysis and unbiased reviews.

📅 Published: Feb 23, 2026 🔄 Updated: Feb 24, 2026 📖 860 words ⏱️ 4 min read

Car Insurance in India 2025: Comprehensive vs Third-Party &#8212; Which One Do You Need?

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Car Insurance in India 2025: Comprehensive vs Third-Party — Which One Do You Need?