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  • Covers Third Party Property

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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.

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.

Must Read Articles before buying National Car Insurance

National Car Insurance User Reviews

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  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased...

    By Bahani Khan
    On: February 25, 2022
  • Learned about claim settlement

    I did not know how the claim settlement works. I visited Insurancedekho and learned everything. Then I made a ...

    By Debesh Roy
    On: December 21, 2020
  • Best Insurance Company in term...

    My experience has been simply WOW with National insurance. The claim department was really helpful in the sett...

    By Ekta Gupta
    On: September 10, 2020
  • Timely settlement of claim

    I recently made a claim under my National car insurance policy that I purchased for my Volkswagen Polo car. Th...

    By Suman Pande
    On: July 10, 2020
  • Easy to make claim

    InsuranceDekho helped me in making a claim last month under my National car insurance policy that I purchased ...

    By Jai Aneja
    On: July 9, 2020
  • Secured payment gateway at In...

    I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy p...

    By Naresh Nangia
    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...

    By Shivani Joshi
    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...

    By Priya Grover
    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...

    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...

    By Avinash Dixit
    On: June 3, 2020

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