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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. |
Benefits of Oriental Standalone Own-Damage Policy
- 01
Covers Many Types of Damage
This policy protects your car from accidents, theft, fire, vandalism, explosions, and natural disasters like floods or storms. It helps you stay financially safe during tough times.
- 02
No Claim Bonus (NCB)
If you do not make any claim in a policy year, you get a discount on your next premium. This bonus can go up to 50% after five claim-free years.
- 03
Extra Protection with Add-Ons
You can add extra covers like zero depreciation or roadside assistance to make your policy stronger and get more benefits.
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What is Covered and Not Covered in Oriental Own Damage Car Insurance?
What it Covers
Fire or Explosion
If your car is damaged due to fire or an explosion, the insurance will pay for the loss.
Accidents
If your car gets damaged in a road accident, the policy will cover the repair costs.
Natural or Man-Made Disasters
Damage caused by floods, earthquakes, riots, or strikes will be covered.
Theft or Vandalism
If your car is stolen or someone intentionally damages it, the insurance will pay for the loss.
What Does it not Covers
Illegal Driving
No cover if the driver was driving without a valid licence, under the influence of alcohol, or breaking traffic laws.
Mechanical or Electrical Breakdown
The insurance will not pay if your car stops working due to internal faults.
Depreciation
The normal decrease in your car’s value over time is not covered.
Outside Coverage Area
If the accident happens outside the area mentioned in the policy, it will not be covered.
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