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A comprehensive car insurance policy offers coverage for damage suffered by both parties included in the accident. The comprehensive coverage plan is the one that provides for all the inclusive coverage.

The policyholders can also buy add-ons to enhance the overall coverage protection. To understand the coverage plan thoroughly, you need to know all the required things, including the features and claim procedure of the policy.

Exact Meaning

Comprehensive car insurance plan is a coverage plan which provides coverage to the policyholder for the damages suffered by both parties. The reason for the damages may be fire, accident, or any mishap. The coverage is given for the damages to the driver, his car, and a third party. Comprehensive car insurance offers financial protection in different cases. Some of the essential cases are mentioned below:

• Accidental damages
• Car theft
• Fire damages
• In transit car damage
• Natural disasters such as floods, cyclones, etc.
• Falling objects
• Third-party losses may include bodily injury
• Manmade hazards
• Personal accidental injuries

Features

To have the benefits of comprehensive car insurance, you should know about the basic features of the coverage plan. When you have the required insurance policy information, you can easily decide whether you should buy the plan or not.

• The comprehensive car insurance plan offers third party liability reimbursement which may arise due to accidents. The accident is from the side of the policyholder of the insured car.
• Personal accident coverage is also provided under this coverage plan.
• The damages suffered by insured are also provided with compensation.
• When you have a comprehensive car insurance plan, there is no need to buy the third-party insurance plan separately. The coverage plan also provides third-party liabilities coverage.
• The comprehensive car insurance plan also provides several add-on covers. This makes the overall coverage plan much more protected, and you don’t have to buy separate insurance plans for having different coverage.

Add-ons and Exclusions

Comprehensive car insurance comes up with several add-ons which you should know about. This is one of the best advantages of the coverage plan. Having add-ons along with your standard policy increases the scope of your standard policy.

Sara Routhier, Senior Director of Content at ExpertInsuranceReviews.com, suggests some of the most common add-ons:

• Roadside assistance
• Zero depreciation or depreciation waiver cover
• Consumable cover
• Gearbox and engine protection cover
• Tyre replacement cover
• Loss of key cover

The comprehensive cover also comes up with some exclusions, just like other general insurance policies have. You should also know about these before buying comprehensive car insurance. Some of the essential exclusions are:

• Wear and tear because of aging
• Depreciation of parts
• Electrical and mechanical breakdown
• Driving without a driving license
• Driving by staying alcoholic
• Damages that occurred are not included in the geographical scope of the policy.

What is The Claim Procedure for Comprehensive Car Insurance?

You should know about the claim procedure if you have a comprehensive car insurance policy. You can file the claim easily when you have basic knowledge about the process. The process can be understood in simple steps, and you can follow them at the time of claim filing.

Register Your Claim

First, you must register the claim on your insurance company’s official website. You can do this through paperwork also, but the online mode is the easy and appropriate one in today’s time. Login to the website using the username and password you provided while purchasing your plan.

Submit Documents

Next, you need to fill out a claim information form with the correct details as required there. The details may be of the insured car, insured car owner, etc., along with the filing of the form, attach all the required documents and upload them on the website.

Digital Survey

You can also choose the option of the self or digital survey. Under self-survey or inspection, you can show the picture of the inspection of the vehicle to which damage has been caused. Another way is a digital survey under which a workshop partner or surveyor conducts the inspection.

Track Your Claim

Once informing the insurance company, filling and submitting the form and required documents, and completing the survey, now you can easily track your claim’s status on the official website. By following all these steps, you can file your claim quickly. Just remember to provide all the details appropriately.

Why Should You Choose Comprehensive Car Insurance?

Many people often buy third-party insurance policies due to affordability. The third-party insurance does not offer compensation for the repairing costs for the damages caused to the insured vehicle.

That’s why a comprehensive car insurance plan is a better choice, as it offers more coverage. Here are some most common reasons which make you think about choosing the policy.

Value for Money

The comprehensive may seem somewhat more expensive than a third-party insurance policy. But when you make a comparison between the two, you will find the comprehensive plan to be more efficient in terms of damage coverage. Thus the plan is undoubtedly a value for money, and you can get the maximum benefits for your paid amount.

Coverage Enhancement

The comprehensive coverage provides extensive coverage, which can be further enhanced with the help of add-ons. With investing a little more, you can have the maximum protection against the damages, which is not provided by a third-party cover plan.

Provide Coverage in Various Situations

The coverage is helpful in several situations, including natural calamities, accidents, theft, fire, and other manmade disasters.

The coverage plan takes care of every kind of situation which is not covered by a third-party insurance plan. Also, the comprehensive plan includes third-party liabilities, so you don’t have to purchase the plan separately.

Final Words

Once you have the basic knowledge about comprehensive car insurance, you can decide whether you need to buy the plan. It’s better that before investing in the plan, you are well aware of the necessary things of the coverage, which will help you in the future at the time of claim filing. Comprehensive Car Insurance Policy is a complete policy indeed that offers very exciting features and easy claim procedure.

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