How to Convert Third-Party to Comprehensive Car Insurance?

If you currently hold a Third Party Car Insurance and want broader protection, switching to a Comprehensive Car Insurance policy is easy and smart. Comprehensive Insurance offers own damage coverage along with third-party liability, safeguarding your finances better. This guide walks you through how to convert your policy and what steps are involved.

Third Party Car Insurance

Third-party insurance is the minimum legal requirement under the Motor Vehicles Act in India. It covers your liabilities towards third parties—such as injury, deathor property damage caused by your vehicle. However, it does not cover your own car’s damage from accidents, theft or natural disasters. It is ideal for budget-conscious owners or those driving older vehicles with lower market value.

Comprehensive Car Insurance Policy

A comprehensive car insurance policy offers end-to-end protection. It includes third-party liability as well as own damage coverage for your vehicle. This means you’re protected against natural calamities, theft, fire and accidents. Bajaj General Insurance offers add-on covers like zero depreciation and engine protection, along with support from 7,200+ cashless garages, making the claim experience smooth and fast.

Process to Convert Third Party to Comprehensive Car Insurance Policy

Converting your existing third-party policy to a comprehensive one involves contacting your insurer, submitting car and personal details, opting for desired add-ons and completing an inspection if required. Upon approval and premium payment, the new policy is issued.

Application to the Insurance Company

Start by visiting your insurance provider’s website or nearest branch. Fill in your car registration number, policy details and select the comprehensive plan. Mention any additional add-ons you need. Bajaj General Insurance offers user-friendly portal to apply and track the process seamlessly.

Inspection of a Car

In many cases, especially for older vehicles or policy renewals after lapse, the insurer may inspect the car. This involves checking the physical condition, accessories and engine. It ensures the insurer assesses potential risk before issuing the new comprehensive policy. Inspections may be conducted physically or digitally through mobile apps.

Policy Cancellation & Issuance

Once approved, your existing third-party policy (if still active) can either be upgraded or cancelled. The new comprehensive policy is issued with revised terms and add-on selections. A fresh policy number is assigned and documents are sent digitally. Make sure to review the new inclusions and exclusions carefully.

Also Read: Best Mileage SUV in India

Car Insurance Claim Process

Filing a claim under your new comprehensive policy is straightforward:

●      Notify your insurer immediately after the accident, theft, or incident.

●      Document the event—capture photos of damage, FIR (if needed), and other relevant evidence.

●      Submit a claim online or offline with Bajaj General Insurance via their app, websit,e or branch.

●      Get the vehicle inspected by a network garage linked to the Bajaj General Insurance 7,200+ cashless garages.

●      Wait for approval—once verified, repair begins, and the insurer covers the cost as per the policy terms.

●      Pay deductible (if any)—depending on the voluntary/excess deductibles chosen by you.

●      Track the claim digitally and receive updates in real-time.

Cashless claims make the process much faster and more convenient, especially when using insurer-approved garages. Choose a plan from Bajaj General Insurance to enjoy seamless claims and access to 7,200+ cashless garages across India.

Also Read: Global NCAP Rating for Maruti Suzuki WagonR

Summary

Upgrading from third-party to comprehensive car insurance offers broader protection, peace of mindand better financial safety. The process is simple—just apply, get your car inspected, and the insurer will take care of the rest.

FAQs

Q1. Will my No Claim Bonus transfer to the new comprehensive policy?

Yes, your NCB remains valid when switching from third-party to comprehensive, provided there’s no break in coverage.

Q2. Which policy is better—comprehensive or third-party?

Comprehensive is better as it includes third-party liability plus own damage coverage, offering more complete protection.

Q3. Do I need both comprehensive and third-party insurance?

No, comprehensive includes third-party liability by default, so you don’t need to buy both separately.

Q4. Which insurance is cheapest—comprehensive or third-party?

Third-party is cheaper but offers limited coverage. Comprehensive costs more but provides extensive protection.