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National Own Damage Car Insurance

96 reviews Rate This
    Network Garages3,100+
    Claim Settlement Ratio85.71%
    Emergency AssistanceAvailable 24/7
    Third Party CoverAvailable
    AccreditationAA+/Negative Rating by CRISIL
    Presence 1,730 Offices

    National Standalone Own-Damage Car Insurance Policy

    A Standalone Own-Damage Car Insurance policy provides coverage for own-damage in case of a mishap. This policy provides peace of mind to the policyholder as the policyholder knows he/she will retain financial stability in case of a mishap. An own-damage policy provides protection from several scenarios such as car theft, vandalism, damage from fire, damage caused by a road accident, damage caused in a natural disaster etc. The own-damage policy is not compulsory but is a good choice to consider with compulsory third-party policy.

    National Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Car Insurance


    National Car Insurance Standalone Own-Damage

    National Car Insurance Third Party Insurance

    National Car Insurance Comprehensive Insurance


    National Car Insurance Standalone Own-Damage provides coverage for own-damage costs including road accidents, theft, floods, etc. The cover is not compulsory.

    National Car Insurance third-party insurance provides coverage for third-party liabilities only. This includes property damage, death, and injuries. This policy is compulsory.

    National Care Insurance comprehensive car insurance plan provides complete protection for you and your car. By paying a single premium, the plan takes care of both third-party liabilities and own damage costs


    Expensive than third-party policy because this policy covers own-damage expenses.

    This policy provides basic coverage which makes it very affordable.

    This policy is expensive as compared to standalone own-damage policy or third party policy because comprehensive policy provides the third-party and own damage cover.


    This policy offers a wide range of add-on covers to choose from.

    No add-on cover options are provided under this policy.

    The comprehensive policy provides several add-on options to choose from.

    What Is Covered Under National Car Insurance Standalone Own-Damage Policy?

    National Car Insurance Standalone Own-Damage policy provides coverage for the following aspects:

    • Damage to the insured vehicle due to an accident
    • Damage of the vehicle due to fire or explosion
    • Theft or vandalism of the insured vehicle
    • Damage to the insured vehicle due to a natural or manmade disaster.

    What Is Not Covered Under National Car Insurance Standalone Own-Damage Policy?

    National Car Insurance Standalone Own-Damage policy does not provide coverage for the aspects mentioned below:

    • Accidents that happen outside the geographical scope as mentioned in the policy
    • Accidents that involve illegal driving
    • Car breaking down due to mechanical or electrical failure.
    • Depreciation of the insured vehicle.
    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Benefits of National Standalone Own-Damage Policy

    Below mentioned are benefits of purchasing National Car Insurance Standalone Own-Damage policy:
    • This policy offers protection for own-damage costs in several scenarios. This policy provides financial stability to the policyholder in times of crisis.
    • This policy provides a No Claim Bonus to the policyholder for every claim-free year. The reward can go up to 50% in the fifth consecutive year.
    • National Car Insurance Standalone Own-Damage policy offers add-on covers that expand the coverage of your policy.

    How to Purchase National Car Insurance Standalone Own-Damage Policy?

    Below mentioned are some steps that you can follow to purchase a National Car Insurance Standalone Own-Damage policy:

    Step 1: Visit the website of InsuranceDekho and click on the ‘Car’ tab.

    Step 2: Provide your car’s registration number, in case you are forgetting/don’t know your car’s registration number, you also enter the car's make, model or year of registration to proceed.

    Step 3: Fill in your personal information and click on ‘Submit and Get Quotes’

    Step 4: Policy quotes by different insurers, relevant to the detail you provide will get displayed. Choose a National Car Insurance policy quote, choose an add-on cover according to your requirements.

    Step 5: Make the payment for the policy. After you make the payment, the policy documents will be sent to your registered email ID.

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    • Timely settlement of claim

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      On: July 10, 2020
    • Easy to make claim

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      On: July 9, 2020
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      I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy p...

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      On: July 3, 2020
    • Ease of payment

      I purchased a National car insurance policy for my Honda WRV car at an affordable premium from InsuranceDekho...

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      On: July 2, 2020
    • Got policy documents on time

      I purchased a National car insurance policy for my Honda jazz car from InsuranceDekho last month. I appreciate...

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      On: June 26, 2020
    • Many quotes for car insurance

      InsuranceDekho offers a great number for car insurance policies of which I chose National policy for my Maruti...

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      By Karan Talwar
      On: June 25, 2020
    • Excellent customer support

      The support team at InsuranceDekho is highly professional. It has members with experience and qualification wh...

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      By Avinash Dixit
      On: June 3, 2020

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.