What are the Risks Covered Under Comprehensive Car Insurance

Written by : TATA AIG Team
·
Published on : 2026-01-27
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5 min

Many people assume that having third-party insurance is enough, but it actually protects only other people, not your own car. So, if your vehicle is damaged in an accident, stolen from a parking lot, or ruined in a flood, you are left to handle the expenses.

In such cases, having comprehensive car insurance can be a lifesaver. It offers wide-ranging protection by covering both third-party liabilities and damage to your own vehicle. From accidental dents to total loss, natural disasters, fire, or vandalism, comprehensive insurance gives you financial support when you need it most.

In this article, we will explain the various risks covered under comprehensive car insurance coverage and help you understand why choosing this broader protection is a smart, stress-reducing decision for every car owner.

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    What is Comprehensive Coverage Car Insurance?

What is Comprehensive Coverage Car Insurance?

A comprehensive car insurance is an agreement between the insurer and the policyholder, which covers the financial liabilities of the policyholder in case of damage to the insured car or third-party liabilities. This policy is not mandatory, but experts recommend it because it provides more extensive coverage.

Unforeseeable events such as car accidents, crashes, natural disasters, thefts, etc., can cause these damages. To enhance your comprehensive car insurance policy, you can add add-ons or policy riders such as Zero Depreciation Coverage, NCB protection, and Roadside Assistance. Along with reducing your financial liabilities, this all-risk car insurance covers all your covered damages.

Explore TATA AIG’s Car Insurance @ ₹2094/year and Drive Stressfree!

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