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Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Features | Own Damage | Third Party | Comprehensive |
|---|---|---|---|
| Meaning | Covers damage to your own car only. | Covers damage or injury to others caused by your car. | Covers both damage to your own car and to others. |
| Covers Your Car? | Yes | No | Yes |
| Covers Third Party? | No | Yes | Yes |
| Covers Theft, Fire & Natural Disasters? | Yes | No | Yes |
| Personal Accident Cover | No (can be added) | Yes | Yes |
| Legal Requirement | Optional | Mandatory by law | Optional, but highly recommended |
| Add-On Covers Available | Yes | No | Yes |
| Premium Cost | Medium | Low | High (more coverage) |
| Best For | People who already have third-party cover and want protection for their own car. | People are looking for only basic legal cover. | People who want full protection for both their own car and others. |
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Inclusions and Exclusions of National Standalone Own-Damage Car Insurance
A National Standalone Own-Damage Car Insurance plan covers some types of car damage, but not all. Here’s what is and isn’t covered:
What it Covers
Man-made Disasters
Covers damage caused by riots, vandalism, fire, or explosions.
Natural Disasters
Covers damage from floods, earthquakes, storms, or landslides.
Damage During Transit
Covers damage caused while your car is being moved from one place to another.
Fire
Pays for repair costs if your car is damaged by fire.
TTheft
If your car is stolen, you will get compensation for your loss.
What Does it not Cover
Third-Party Liability
Damage to another person or their property is not covered.
Drunk Driving
No coverage if the driver was under the influence of alcohol or drugs.
Driving Without a Licence
If you drive without a valid licence, you won’t get any claim.
Wear and Tear
Regular aging or loss in value of the car (depreciation) is not covered.