🚗 Third-Party vs Comprehensive Insurance – Full Guide
🔹 Third-Party Insurance
- ✅ Covers damage to another person, vehicle or property
- ❌ Doesn't cover your own vehicle or injuries
- 💰 Low premium (Fixed by IRDAI)
- ⚖️ Mandatory by law
🔹 Comprehensive Insurance
- ✅ Covers third-party + your vehicle damage
- ✅ Theft, fire, flood, natural disasters covered
- ❌ Doesn't cover drunk driving, expired policy, etc.
- 💰 Premium is higher but coverage is better
📊 Comparison Table
| Feature | Third-Party | Comprehensive |
|---|---|---|
| Mandatory? | ✅ Yes | ❌ No |
| Own Vehicle Damage Cover | ❌ No | ✅ Yes |
| Theft/Natural Damage | ❌ No | ✅ Yes |
| Premium Cost | 💰 Low | 💰💰 Higher |
| Recommended For | Old/Low-Value Vehicles | New/High-Value Vehicles |
📲 How to Check or Renew Online?
Visit: vahan.parivahan.gov.in and enter your vehicle number.
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