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You’re probably really happy and proud of yourself right now. After all, you’ve finally taken the leap and bought that car you’ve been talking so much about! We wouldn’t want to kill the happy bug, but with a new car comes a new set of responsibilities. Now, let’s imagine this scenario- Imagine, you’ve just planned a weekend getaway with your friends in your new car. With all that music and chatter, you suddenly hear a loud sound and you realise your tyre has just burst! Yikes. If you’ve been responsible, you probably won’t make a big deal out of it.
After all, if you have a car insurance in place, with the right add-ons then this little accident won’t only be solved soon, but will also not eat away your weekend budget. Why are we telling you this hypothetical story, anyway? To help you make some responsible choices of course! So, let’s get started- shall we?
Insurance is your new car’s shield against unexpected events. It helps cover your new car against thefts, financial losses caused by accidents and any subsequent liabilities you may come across unexpectedly. In India, driving a car, new or old without a valid car insurance is illegal. As per the Motor Vehicles Act 1988, it is mandatory to have a car insurance that at least covers for third-party liabilities.
There are essentially two types of car insurance plans- you can either opt for a Third Party car insurance or a Comprehensive Car Insurance. To make things easier for you, we’ve put down a table together that’ll help you compare the two, after which you can make the choice that suits you better.
A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Comprehensive Car Insurance Policy |
Third-Party Car Insurance Policy |
A Comprehensive Car Insurance Policy covers third-party damages, along with coverage to your car in case of damages due to accidents, fire or natural calamities, theft and loss of car. |
A Third-Party Car insurance policy covers for third-party damages to a person, vehicle or property. While there’s a limit to up to 7.5 lakhs for damages/losses to a third-party vehicle or property; there’s an unlimited liability in the case of a third-party person. |
A recommended choice, as it not only protects you on a legal basis, but gives you and your own car extra protection as well. |
This policy is usually bought by customers who rarely use their cars, or are using an extremely old car. |
With this policy, you can opt for useful add-ons and covers which gives you complete coverage. |
With this policy you can’t opt for any add-on covers. |
This policy offers extensive coverage. |
This policy offers limited coverage. |
The premium of a comprehensive insurance policy is higher than that of third-party insurance. |
Third-party insurance policy is less expensive as compared to a comprehensive car policy. |
Read more: Difference between Comprehensive and Third Party Car Insurance
There are several factors to keep in mind when buying car insurance for your new car. Paying attention to them will ensure that you fetch an ideal level of cover. Some of these factors include the following:
The best of us prefer to escape all the time and energy that will go into looking for the right insurance company online or offline. No wonder, many people are tempted to opt for any car insurance offered by dealers. It saves time and of course, it is convenient. But is it the right thing to do? Let’s see what can go wrong if you plan to buy a policy from your dealer:
We recommend go online, do some research or better, directly buy your car insurance policy online. The process is fast, there’s no paperwork and the best part- you know exactly what to expect out of your car insurance since you’ll be the one choosing it!
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Author: Team Digit
Last updated: 01-04-2025
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.
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