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Car Insurance · head to head

Private Car Package Policy vs Private Car 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 Package Policy
Policy
Policy types
Third-Party Car Insurance Policy, Comprehensive Car Insurance Policy, Standalone Own-Damage Insurance (also Private Car Policy – Bundled)
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
Number of add-ons listed
19
22
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, 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
Cashless garages
11,000+
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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
IRDAN149RP0001V02201213

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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