Bundled or standalone: Which vehicle insurance policy should you buy?

If you are buying a car or two-wheeler now, you will need to buy long-term insurance compulsorily, as per a recent Supreme Court order

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The Supreme Court has made it compulsory to buy third-party insurance with at least three years' cover for those buying a car after September 1. For those buying two-wheelers, the minimum third-party insurance period has been set at five years.

Vehicle insurance has two components -- third-party cover and own damage cover. While the third-party cover serves to protect the insurer from claims made by an an accident victim, the own damage policy covers loss or damage to the insured vehicle.

At present, there are three different types of insurance covers that one can choose from. Here are some

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