National Own Damage Car Insurance

Network Garages | 3,100+ |
Claim Settlement Ratio | 85.71% |
Emergency Assistance | Available 24/7 |
Third Party Cover | Available |
Accreditation | AA+/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
Basis | National Car Insurance Standalone Own-Damage | National Car Insurance Third Party Insurance | National Car Insurance Comprehensive Insurance |
Coverage | 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 |
Cost | 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. |
Add-on | 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.

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*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
- 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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