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What is the Difference between Third Party Cover and Comprehensive Insurance?


What is the Difference between Third Party Cover and Comprehensive Insurance?

Ensuring your car just after you purchase is extremely essential. You need to make sure that you have got yourself amazing car insurance that covers a lot of aspects. But you need to make sure that you are choosing the right insurance for your car. You can choose between Comprehensive car Insurance and third-party car Insurance, whichever suits your need. Here is the difference between the two – 

What do they mean?

  • Comprehensive Car Insurance 

This car insurance takes care of all kind of damages and also covers third-party damages. This car insurance will take care of you as well as your car. Comprehensive Car Insurance Company Melbourne is best known for this insurance. 

  • Third-Party Car Insurance 

This category of car insurance only takes care of any damages caused to your car by any third-party. It will cover any damages caused by a third-party person or vehicle. 

What Do They Cover? 

  • Comprehensive Car Insurance 

This car insurance is known to cover not only the damage caused to third parties but also for damage caused to your car as well. It covers all the damage caused by any natural calamity. 

  • Third-Party Car Insurance

this insurance only covers any loss or damage caused to your car due to any third-party accident or collision. It also covers any personal protection from injuries due to accidents. 

What are the Benefits? 

  • Comprehensive car Insurance 

This insurance covers all the damages that occurred to your car and also the damages of the third party. the Melbourne comprehensive car insurance also offers the NCB or No Claim Bonus every year you renew the insurance. 

  • Third-Party Car Insurance 

This insurance here offers you the protection for you if you hurt some other person during an accident or collision. You will not have to empty your pocket if you get into such situations. 

What They Do Not Cover? 

  • Comprehensive Car Insurance 

Here are the aspects that are not covered by this insurance – drunk driving, driving without any license or proper license holder, contributory negligence, and consequential damages.

  • Third-Party Insurance 

Here are the things that this insurance does not cover – any damages without any involvement of a third party, drunk driving, and when caught without a license or a valid license holder. 

What is the affordability percentage?

  • Comprehensive Car Insurance 

The price of this car insurance is higher. The premium of this insurance will be based on the city you live in, the model of your car, and its add-ons. 

  • Third-Party Car Insurance 

It is cheaper than that comprehensive car insurance. The third-party insurance Melbourne company will surely offer you affordable packages. 

Both car insurances have their pros and cons. If your car is old enough then you can go for a third party car insurance, but if you are driving an expensive and a new car then you must go for comprehensive car insurance. 

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PTRS Club is an insurance providing company for vehicles.

82 Horne St, Campbellfield VIC 3061

0433 142 579

info@ptrsclub.com.au

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