Know All Things that Comprehensive Car Insurance Covers

by Selena Pinto General

Picking the right car is not an easy task, is it? Likewise, picking the right car insurance for your car isn’t easy either. With so many car insurance options in the market, you are bound to be confused. While broadly there are two types of car insurance policies – third party car insurance and comprehensive car insurance. However, within comprehensive car insurance policies, there are several variations. Before you choose your car insurance, it is important that you understand it’s features and offerings correctly. In this article, we are going to discuss all the things that a comprehensive car insurance policy covers. If you want to know it too, stay with us till the end.  


  1. 24/7 spot assistance:  

Needless to say, the comprehensive car insurance policy offers a lot more benefits than third party car insurance. One such benefit is 24/7 spot assistance. Let’s say, you decide to go on a monsoon road trip with your friends and on the highway, your car breaks down. You are in another state and there’s no garage nearby. In such a situation, you can call your comprehensive car insurer and they will send assistance at the earliest. Any cost involved such as towing, fuel, vehicle assistance will be covered by your car insurance provider.  


  1. Accidents and more:  

Of course, your comprehensive car insurance will cover accidents. However, there’s more to it. Your policy also provides protection against natural calamities such as earthquakes, floods, landslides, and more. Along with this, your comprehensive car insurance also covers manmade disasters including theft, riots, and more. That’s why, experts recommend this type of car insurance, even though the premium payable is relatively higher.  


  1. Towing fee:  

If your car breaks down within the city or on the outskirts, then the towing fee incurred towards taking the car to the nearest garage is covered by your car insurance provider. No matter how many times you may have to tow your car in a year, the entire amount is covered. In some cases, there may be an upper cap on towing fee coverage. Before buying your comprehensive car insurance policy, you can check with your insurer. 


  1. Hassle-free renewal:  

Comprehensive car insurance policies come with better services such as one tap online renewal. If you are someone who can’t take care of physical documents, then the online renewal option is something you need.  


  1. Accessories insurance:  

Most insurance policies do not cover car accessories or car body. However, a comprehensive car insurance policy covers both. However, if you opt for this, your total insurance premium payable might be slightly more than usual. If you have invested a significant amount towards car accessories, then it’s best to pay a small premium to protect it. The cost of new accessories is going to be a lot more than premium payable towards car accessories cover.  


These were some things that are covered by most comprehensive car insurance policies. If you are looking to buy or renew your car insurance policy, then do it right away. With just a few taps, you can buy or renew your car insurance policy at Bharti AXA. 

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About Selena Pinto Freshman   General

5 connections, 0 recommendations, 25 honor points.
Joined APSense since, June 24th, 2020, From Mumbai, India.

Created on Jul 21st 2020 09:26. Viewed 293 times.


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