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Car Insurance · head to head

Private Car Package Policy vs Car Insurance (Comprehensive)

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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
Car Insurance (Comprehensive)
Policy
Policy types
Private Car Package Policy, Stand-Alone Own Damage Policy for Private Car, Private Car Policy - Bundled (3 year Act Only and 1 year Own Damage), Act only Policy Private Car - 3 year, Motor Act Only Policy
Third-party Car Insurance, Standalone Own Damage Car Insurance, Comprehensive Car Insurance
Number of add-ons listed
22
19
Add-ons listed
Nil Depreciation Cover, Consumables Cover, Engine Protect, Key Protect, Return To Invoice Cover, Tyre and Alloy Cover, Personal Belongings Cover, Inconvenience Cover, EMI Cover, Battery Cover, Protection of NCB, Basic Road side Assistance, Additional Roadside Assistance, Rim safeguard, Medical personal accident, Additional personal accident, Inability to drive due to injury cover, Loss of Driving License/Registration Certificate, Multiple Damage, Additional Towing, Car Spa, Zero Excess
Depreciation Reimbursement (Zero Depreciation), Return to Invoice, No Claim Bonus Protection Cover, Consumable Expenses, Engine Secure, Tyre Secure, Roadside Assistance, Key Replacement, Repair of Glass, Fibre, Plastic, and Rubber Parts, Loss of Personal Belongings, Additional Towing Charges, Emergency Transport and Hotel Expenses, Emergency Medical Expenses, Electric Surge Secure, Additional Third-party Property Damage Cover, Misfuelling, Depreciation Allowance - Battery, Vehicle Loan Protector, Daily Allowance Plus
Cashless garages
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5,700+ (as of July ’26)
Claim process
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Cashless: register claim (helpline 022-6489-8282, general.claims@tataaig.com, WhatsApp 9136160375, website/app or branch) and get a Claim Reference Number; take the car to a network garage; surveyor inspection, approval and assessment; final bill settlement with the garage. Reimbursement claims also supported.
Insurer
IRDAI UIN
IRDAN149RP0001V02201213
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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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