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Your car is your prized asset, and as an owner, you would like to offer it maximum protection. A car insurance policy makes this possible. While third-party car insurance is mandatory by the Indian Motor Vehicles Act, 1988, comprehensive car insurance is optional but offers considerably better and more extensive protection.
Unlike third-party insurance, which only provides coverage for the third party in an accident, comprehensive car insurance covers both parties involved. Below we present detailed information about this type of insurance.
The IFFCO Tokio comprehensive car insurance policy provides complete protection for your vehicle damages due to an accident and against third-party liabilities. A comprehensive car insurance policy ensures the protection of your car against various damages caused due to natural and man-made calamities such as fire, flood, earthquake, burglary, theft, etc.
With a comprehensive car insurance policy, you can opt for the highest form of protection for your car. It is not a mandatory requirement, but you can get complete financial protection against potential accidental damages to your vehicle with this type of insurance policy.
IFFCO Tokio comprehensive four-wheeler insurance policy ensures financial coverage for damage to your car caused by accidents and disasters. You can purchase add-ons to enhance the coverage of your comprehensive car insurance. In case of an accident, inform IFFCO Tokio as soon as possible with all the details of the accident and the damage caused. The insurance company will get your car surveyed to assess the cause and extent of the damage. The standard process of claim processing will start after that.
IFFCO Tokio comprehensive car insurance policy offers complete protection for your car. Here is how it differs from third-party insurance.
Features | Comprehensive Car Insurance Policy | Third-party Car Insurance Policy |
Mandatory to Own | No | Yes |
Coverage | All-round coverage for both own car damages and third-party liabilities. | Limited only to third-party damages or liabilities. |
Add-On Cover Customization | Available | No customization with any add-on cover is possible. |
Premium | Relatively higher | Lower than comprehensive insurance |
Cost-effective | Higher due to extensive coverage | Lower |
Protection against natural disasters/ theft/vandalism | Covered | Not Covered |
Take a look at the steps below for buying IFFCO Tokio comprehensive four-wheeler insurance online:
IFFCO Tokio car insurance online is the easier and hassle-free route to insurance purchase than the traditional manual offline purchase method.
IFFCO Tokio comprehensive car insurance policy covers the following scenarios typically:
Comprehensive car insurance coverage does not protect against the following scenarios:
IFFCO Tokio comprehensive car insurance policy ensures the following benefits:
A comprehensive car insurance policy offers complete protection against accidents and third-party liabilities. Therefore, if your vehicle meets with an accident, you can get the maximum possible coverage compared to other vehicle insurance policies. Moreover, it is very simple and convenient to purchase and renew IFFCO Tokio comprehensive car insurance policy.
In such cases, a comprehensive car insurance policy offers coverage for any injuries, disability (whether partial or permanent), property damage, and/or accidental death of the third party in the accident caused by the vehicle.
You can purchase various add-on covers, such as engine protection, NCB protection, return to invoice, roadside assistance or key protection cover to enhance your policy coverage further.
No, it is not mandatory by law to purchase a comprehensive car insurance cover, but it can provide you extensive coverage in case of accidents.
Yes, IFFCO Tokio comprehensive car insurance policy offers protection against animal attack.