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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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What Is Covered and Not Covered Under Raheja QBE Standalone Own-Damage Policy?
What it Covers
This policy pays for the loss or damage to your car in the following situations:
Road Accidents
If your car gets damaged in an accident, the policy will help pay for the repairs.
Fire or Explosion
Damage caused by fire, explosion, or the car catching fire on its own is covered.
Damage During Transport
If your car is damaged while being moved by road, train, air, ship, or lift, it is covered.
Man-made Events
Damage caused by burglary, riots, strikes, or terrorist activities is covered.
Natural Disasters
If your car is damaged by an earthquake, flood, storm, hailstorm, landslide, or similar natural event, the policy will pay.
What Does it not Cover
The policy will not pay for damage in these situations:
Consequential Loss or Depreciation
Any loss that happens later as a result of the main damage, or the natural decrease in your car’s value, is not covered.
Driving Under Alcohol or Drugs
If the driver was drunk or using drugs at the time of the accident, the claim will be rejected.
Driving Outside the Allowed Area
If the car is driven outside the area mentioned in the policy, the damage will not be covered.
Regular Wear and Tear or Breakdown
Normal aging, daily use damage, or mechanical/electrical breakdowns (like engine failure) are not covered.
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