Comprehensive insurance is a market description for relatively broad cover, especially in motor insurance. It often combines own damage insurance and third-party insurance, but the term has no universal promise to cover every loss. Included sections and optional benefits vary by insurer and country.
In Nepal, inspect the schedule and wording for theft, natural hazards, personal accident benefits, and applicable exclusions. Flood, driving conditions, or particular accessories may need special attention. Compare actual coverage and deductibles instead of assuming two policies labelled comprehensive provide the same protection.