Comprehensive Insurance  
This type of insurance covers all the risks covered in the Motor Vehicles Act (as above), plus loss or damage caused to the vehicle due to:

Also included is the towing charge (up to Rs.1, 500/- for private vehicles and Rs.2, 500/- for commercial vehicles) incurred due to accident to the vehicle.

Exclusions to the Comprehensive Insurance Cover

This insurance does not cover loss or damage caused due to:
(a) Driver being under intoxication
(b) Vehicle being driven by a person not holding an effective, valid licence.

It also does not cover:
(a) Damage to tyres (unless the vehicle is also damaged).
(b) Wear & tear, mechanical breakdown.

Calculation in the case of Comprehensive Insurance Cover?
In the case of Comprehensive Insurance Cover, for the purpose of premium, vehicles are categorized as follows:

 

PRIVATE CAR:
This is used for personal purposes. The premium is computed on the following basis:

TWO-WHEELER:
This is used for personal purposes only. Premium is calculated on cubic capacity and value of vehicle. Accessories are to be specified. Theft of accessories is not covered, unless the vehicle is stolen at the same time.

COMMERCIAL VEHICLE:
This is a vehicle used for hire and is classified into:

Note: all commercial vehicles are subject to compulsory excess in each and every claim for damage.