Liberty Own Damage Car Insurance
A standalone own-damage cover helps pay for damage to your own car if something bad happens. It is one of the three car insurance Read More
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This type of insurance gives you financial help when you really need it. That is why it is a good idea to buy a standalone own-damage cover along with the compulsory third-party insurance.
Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Own Damage | Comprehensive | Features | Covers damage to your own car only. |
|---|---|---|---|
| Third Party | Covers both damage to your own car and to others. | Meaning | Yes |
| Covers damage or injury to others caused by your car. | Yes | Covers Your Car? | No |
| No | Yes | Covers Third Party? | Yes |
| Yes | Yes | Covers Theft, Fire & Natural Disasters? | No (can be added) |
| No | Yes | Personal Accident Cover | Optional |
| Yes | Optional, but highly recommended | Legal Requirement | Yes |
| Mandatory by law | Yes | Add-On Covers Available | Medium |
| No | High (more coverage) | Premium Cost | People who already have third-party cover and want protection for their own car. |
| Low | People who want full protection for both their own car and others. | Best For | People are looking for only basic legal cover. |
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What is Covered Under Liberty Standalone Own-Damage Policy?
What it Covers
- This policy pays for damage to your car in the following situations:
If your car is badly damaged in a road accident.
If your car is damaged because of a fire or an explosion.
If your car is stolen or completely destroyed.
If your car is damaged by a natural disaster or a man-made disaster, like a tsunami.
What Does it not Covers
- This policy does not pay for damage in these situations:
If your car stops working because of electrical or mechanical problems.
If the car is involved in any accident during illegal driving (like driving without a licence, drunk driving, etc.).
Loss of value of the car over time (depreciation).
Any accident or damage that happens outside India.
Benefits of Liberty Standalone Own-Damage Policy
Buying a standalone own-damage policy from Liberty gives you these benefits:- It protects your car from many problems, like road accidents, fire, theft, vandalism, and other unexpected events.
- You get a No Claim Bonus (NCB) for every year in which you do not make a claim.
- You can buy extra add-on covers to make your policy even better.
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