Types of Car Insurance

Clear, side‑by‑side breakdown of what each policy covers and when to choose it

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Third-Party Liability (TPL)

Covers damage/injury you cause to other people or property. Does not cover your own car.

  • Injury & property damage to others
  • Legally required in most countries
  • Lowest premium
Ideal for: Budget buyers, older cars, or minimal usage.
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Third-Party, Fire & Theft (TPFT)

TPL plus cover if your car is stolen or damaged by fire.

  • Third-party liability
  • Theft cover
  • Fire damage cover
Ideal for: Areas with higher theft risk or street parking.
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Comprehensive

TPL + own-damage cover for your car due to accidents, theft, fire, natural calamities, and more.

  • Covers own-damage
  • Widest protection
  • Eligible for multiple add-ons
Ideal for: Newer cars, financed cars, daily drivers.

Quick Comparison

Feature TPL TPFT Comprehensive
Third-party liability✔✔✔
Own-damage (your car)——✔
Theft cover—✔✔
Fire damage—✔✔
Natural calamities (flood, storm)——✔
Eligible for add-onsLimitedLimitedMost

Popular Add‑Ons

Zero Depreciation (Bumper-to-Bumper)

Claim without depreciation deduction on parts.

Personal Accident Cover

Compensation for injury, disability, or death (driver & passengers).

Engine Protection

Covers water ingress, oil leakage, hydro-lock related engine damage.

Roadside Assistance

24×7 towing, jump-start, fuel delivery, flat-tyre help, minor repairs.

Return to Invoice (RTI)

Total loss/theft payout equals purchase invoice value.

Consumables Cover

Covers nuts, bolts, engine oil, coolant, AC gas, etc. in a claim.

Key Replacement

Covers lost/stolen/damaged smart keys and re-programming.

Ambulance & Medical

Reimburses ambulance charges and medical treatment after an accident.

Passenger Cover

Adds personal accident protection for all occupants.

FAQ

Which Type is Mandatory
Third‑Party Liability is legally required in most regions. Comprehensive/TPFT are optional but recommended for broader protection.

If repair costs could exceed the car’s value or you drive rarely, TPL or TPFT may suffice. For newer or financed cars, Comprehensive is usually best.

Popular picks: Zero Dep, Roadside Assistance, and Engine Protection for flood‑prone areas. RTI is great for brand‑new cars.

 

Claims can reduce your No‑Claim Bonus (NCB) and may affect renewal pricing. NCB Protection helps preserve your discount after 1 claim.