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Car Insurance · head to head

Private Car Package Policy vs Comprehensive Car Insurance

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Quick verdict

  • Private Car Package Policy is better for most add-ons to choose from.

Computed from stored specifications, the published car insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Private Car Package Policy
Comprehensive Car Insurance
Policy
Policy types
Private Package Car Insurance Policy (comprehensive), Liability Only Policy, Standalone Own Damage Policy
Comprehensive Car Insurance, Own Damage Car Insurance, Third-Party Car Insurance
Number of add-ons listed
9
6
Add-ons listed
24x7 Road Side Assistance, Consumable Expenses, Zero Depreciation Cover, No Claim Bonus Protector, Tyre Safeguard, Conveyance Benefit, Engine Protector, Return to Invoice (RTI) Cover, Key Replacement Cover
Zero Depreciation Cover, Aggravation Cover, Key Replacement Cover, Windshield Glass Cover, Loss of Baggage Cover, Vehicle Replacement Cover
Cashless garages
10,000+
8000+
Claim process
Cashless: register claim by phone/website/app, receive claim registration number, move car to a network (cashless) garage, submit documents to surveyor, insurer confirms liability. Reimbursement: same registration, repair at any garage, documents to surveyor, reimbursement after liability is confirmed. On-the-spot claim registration via Bajaj General App.
Step 1: Intimate claim - call 1800 568 9999 or intimate online. Step 2: Inspection of the car to assess damage. Step 3: Claim approved, with updates.
Insurer
IRDAI UIN
IRDAN113RP0025V01200102
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A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

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