Comprehensive vs Third-Party Motor Insurance: Complete 2025 Guide
Discover the key differences between comprehensive and third-party motor insurance in India. Learn which coverage protects your car best, compare premiums, and find the right add-ons for your needs.
Third-party insurance is legally mandatory in India but only covers damage you cause to others' vehicles and property. Comprehensive motor insurance covers your own car too—including theft, accidents, natural disasters, and offers valuable add-ons. Here's how to choose the right protection for your ride!
Third-Party vs Comprehensive Insurance Comparison
| Feature | Third-Party | Comprehensive |
|---|---|---|
| Own Damage Cover | No | Yes |
| Add-Ons (Zero-Dep, Engine Protect) | No | Yes |
| Legal Requirement | Yes (minimum) | Includes third-party |
| Premium | Lowest | Higher but broader cover |
When Third-Party is Enough
Very old car with low resale value
Vehicle rarely used; parked safely
Budget constraint and you accept risk
When to Choose Comprehensive
Car value above ₹2 lakhs or financed
Daily commute or highway driving
High repair costs (modern sensors, EVs)
Need zero-depreciation, engine protect, RTI
Must-Have Add-Ons in 2025
Zero Depreciation
Covers plastic/fiber parts without depreciation cuts.
Engine Protect
Covers water ingression, oil leakage, hydrostatic lock.
Return to Invoice
In total loss/theft, get invoice value instead of IDV.
NCB Protector
Keeps your No-Claim Bonus intact after first claim.
Motor Insurance Premium Comparison (2025)
Here's a realistic breakdown of third-party vs comprehensive motor insurance costs for a 5-year-old hatchback in major Indian cities:
- Third-party only: ~₹2,100/year (minimum legal coverage)
- Comprehensive with zero-depreciation: ~₹7,800/year (recommended for most cars)
- Comprehensive with zero-dep + engine protect: ~₹9,200/year (best all-around protection)
- Comprehensive with all add-ons: ~₹11,500-13,000/year (maximum coverage)
Premiums vary by car model, age, location, driving history, and insurer. Newer cars, luxury vehicles, and high-risk zones attract higher premiums.
Need the best quote with right add-ons?
We compare premiums across insurers, add zero-dep/engine protect, and share cashless garages near you.