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Car Insurance · head to head

Private Car Package Policy vs Private Car Base Package Policy

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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
Private Car Base Package Policy
Policy
Policy types
Third-Party Car Insurance Policy, Comprehensive Car Insurance Policy, Standalone Own-Damage Insurance (also Private Car Policy – Bundled)
Package Policy, Liability Only Policy, Three Years Long Term Stand Alone Motor Third Party, Bundled Motor Policy for Private Cars, Long Term Motor Private Car Package Policy, Standalone OD for Motor PC
Number of add-ons listed
19
16
Add-ons listed
Pay As You Drive (Limit Pay Sure), Nil Depreciation Cover (Zero Depreciation), Return-to-Invoice Cover, Consumables Expenses, Engine Protection Cover, Key & Lock Replacement, Tyre Protection, RIM Protection, 24/7 Roadside Assistance, Loss of Personal Belongings, Daily Allowance Benefit, EMI Protection Cover, No Claim Bonus Retention Cover, Electrical Accessories Cover, Electric Motor Protect, EV Battery Protection, Non-Electrical Accessories Cover, Geo Extension, EV Charger Cover
Nil Depreciation Cover, Consumable Items, Engine Protect, Return to Invoice, Road Side Assistance (Basic/Gold), Loss of Personal Belongings, Key Protect, Tyre and Alloy, No Claim Bonus Protection Cover, Additional Towing Charges, High Value PA, Road Tax cover, Battery Protect, Hybrid Protect, Loss of Contents, Return to Invoice (RTI) Gold
Cashless garages
11,000+
1,200+
Claim process
Cashless: inform within 24 hours or register on the IndusInd Insurance App; visit a network garage; surveyor inspection or self-inspection via app (photos/live video); submit documents, approval can take 7 days after documents; bill paid directly to garage. Reimbursement: notify within 24 hours, then repair and claim.
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Insurer
IRDAI UIN
IRDAN130RP0010V01201920
IRDAN190RP0042V01100001

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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