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Car Insurance · head to head

Private Car Base Package Policy vs Car Insurance (Comprehensive)

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Quick verdict

  • Car Insurance (Comprehensive) 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 Base Package Policy
Car Insurance (Comprehensive)
Policy
Policy types
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
Third-party Car Insurance, Standalone Own Damage Car Insurance, Comprehensive Car Insurance
Number of add-ons listed
16
19
Add-ons listed
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
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
1,200+
5,700+ (as of July ’26)
Claim process
—
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
IRDAN190RP0042V01100001
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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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