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Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Type of Insurance | What It Covers | What It Doesn’t Cover | Best For |
|---|---|---|---|
| Standalone Own-Damage Insurance | Covers damage to your own car due to accidents, fire, theft, or natural disasters | Does not cover damage to others or their property | People who already have third-party insurance and want to protect their own car |
| Third-Party Insurance | Covers damage to other people, their vehicle, or property | Does not cover damage to your own car | Required by law for all car owners in India |
| Comprehensive Insurance | Covers both your car and third-party damage, plus theft, fire, and disasters | May not cover some things unless you buy extra add-ons (like engine cover) | People who want full protection for their car and third-party liability insurance |
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What is Covered and Not Covered in SBI Own Damage Car Insurance?
This insurance helps you when your own car gets damaged. Below are the things it does and does not cover:
What it Covers
Accidents
If your car gets damaged in an accident, the insurance pays for repairs.
Fire & Explosions
If your car is damaged by fire or an explosion, you will be paid for the loss.
Theft
If someone steals your car, the insurance will give you money for it.
Natural & Man-Made Disasters
If your car is damaged by a flood, earthquake, riot, or vandalism, the insurance will help cover the cost.
What Does it not Cover
Intentional Damage or Theft
If you damage or steal your own car on purpose, you won’t get any money.
Car Depreciation
The car losing value over time is not covered (unless you buy a special add-on).
Electrical & Mechanical Breakdown
If parts stop working due to old age or use, insurance won’t cover it.
Drunk Driving
If you drive after drinking and damage your car, the insurance won’t pay.
No Driving License
If you drive without a valid license and crash the car, the insurance will not help.
Driving After Taking Drugs
If you drive after using drugs and cause damage, you won’t get any money.
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