Comprehensive Car Insurance
A comprehensive car insurance policy offers complete insurance coverage to the policyholder, the vehicle, and the third party who may suffer any loss or damage due to the insured vehicle
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Benefits of Comprehensive Car Insurance
Complete protection that provides own damage cover, personal accident cover, and third-party liabilities cover
A comprehensive policy provides greater value for money as it is cheaper than buying separate plans
Flexibility to choose multiple add-ons and customize the policy according to your specific requirements.
No-claim bonus can be utilized to avail attractive discounts at the time of renewal of a comp car insurance policy
What are the Comprehensive Car Insurance Inclusions?
Comprehensive car insurance provides extensive coverage and includes the following:
- Personal accident cover for any injury & loss of life
- Loss due to vehicle theft
- Damages due to extreme weather or fire
- Third-party liabilities that include any loss or damage to another person's life or property
- Oman cover
What are the Comprehensive Car Insurance Exclusions?
Note the following exclusions from a comprehensive vehicle insurance plan:
- Wear & tear of the vehicle due to age and usage.
- Mechanical or electrical breakdown.
- Damage caused when the driver does not possess a valid driving license.
- Damage caused when the driver is under the influence of alcohol or drugs.
- Loss or damage due to war or nuclear risk.
- Damage caused when the vehicle is used for illegal or prohibited activities.
- Any fraudulent or wilful damage caused to the vehicle.
- Damage or loss occurring outside the prescribed territory.
- Statutory liabilities due on the vehicle are also not covered under comprehensive insurance.
What are the Add-Ons in Comprehensive Car Insurance?
Return to Invoice Cover
This add-on cover helps you to get the full invoice price of the car when it gets stolen or suffers complete damage. However, this only applies to brand new 0 km vehicles, and that too if the accident is within six months after the policy is issued.
Breakdown Assistance Cover
This cover comes to your rescue if you are stranded due to a vehicle breakdown, a flat tire, or an empty fuel tank. Both on-site repair and towing services are covered.
Tire Protection Cover
Any damage to the car’s tires in an accident or otherwise shall be covered by this add-on.
Engine Protection Cover
This add-on covers the expenses of repairs & replacement when the car’s engine suffers any damage.
Difference Between Comprehensive and Third-Party Insurance
A comparison of comprehensive car insurance plans with third-party insurance is given in the table below.
Comprehensive
Insurance Cover
Third-Party
Liability Cover
Scope
Provides own-damage car insurance, personal accident cover & third-party liability cover
Scope
Covers only third-party claims and no other loss or damage
Requirement
Not Compulsory (If bank involved where finance of the vehicle is arranged by the bank then mandatory - AUTO LOAN)
Requirement
Compulsory Under Law
Add-Ons Availability
Yes
Add-Ons Availability
Few companies allow Oman extension for additional premium
Premium
Higher due to extensive coverage
Premium
Lower due to limited coverage
Adequacy of Coverage
Sufficient as it covers most risks
Adequacy of Coverage
Not sufficient as own damage cover is not available
Customization of Policy
Possible due to specific add-ons
Customization of Policy
Not possible
How to Renew Comprehensive Car Insurance?
Step 2
Contact our agents, and they will help you seal a deal that is worthwhile for you.
Step 3
Complete the purchase by making the online payment through the payment link to pay the premium via WhatsApp or email.
How to Claim the Comprehensive Car Insurance?
Step 1
Click Contact Us to get our contact details. PIB executives will guide you on the exact procedure
Step 2
For the claims procedure, we do have a staff to assist our customers. Our team stays with the client from the very first step until the very last, all the while answering their questions and addressing any problems that may arise. You need to submit all the required documents such as a police report copy, driving license copy, etc. You must also provide details of the vehicle garage.
Once you submit all the documents, wait for the claim to be processed & approved.
Frequently Asked Questions on Comprehensive Insurance
A comprehensive insurance policy provides you with complete protection for yourself and your vehicle and against any third-party claims
It is not mandatory to buy a fully comprehensive car insurance policy, but it is always recommended to have one. Only third-party insurance is mandatory.
Comprehensive insurance provides total protection to you and your car. It also covers third-party losses. You can further customize the plan with add-ons. But a third-party insurance plan only covers third-party losses.
A comprehensive insurance policy covers the following:
- Personal injuries & death
- Damage to own car due to accidents & natural disasters
- Loss due to car theft
- Losses to a third party due to the insured car
The exact premium is calculated based on multiple factors. Contact the PIB secure agent for a comprehensive insurance quote.
Yes. At the time of renewal, opt for comprehensive car insurance by paying an additional premium. But this is subject to the insurance company’s approval.
AD SPACE
Motor Vehicle Insurances
Comprehensive Car Insurance
A comprehensive car insurance policy offers complete insurance coverage to the policyholder, the vehicle...
Third Party Insurance
Keeping your car insured is essential for any driver, as it can protect you from unexpected financial losses in the event of a collision.
Off-Road Car Insurance
Off-Road Car Insurance is an optional (add-on) insurance cover. It protects your car from any loss or damage due to off-road driving.