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Navi Standalone Own-Damage Car Insurance Policy
Car insurance offers a layer of protection to policyholders and their cars against unfortunate events. There are three types of car insurance plans available in India including third party insurance, standalone own-damage insurance and comprehensive insurance. The third party cover protects you against third party liabilities while the own-damage car insurance provided by Navi General Insurance takes care of own-damage expenses in case of an accident or a mishap.
The standalone own-damage policy offers coverage for a wide variety of conditions like natural or man-made calamities, fire, theft, vandalism and so on. In addition to coverage, the own-damage insurance cover allows you to opt for add-on covers with it such as roadside assistance, zero depreciation, and so on. These add-on covers help you extend your policy coverage which you can avail by paying a little extra premium. Therefore, it is recommended to purchase this insurance cover along with third party insurance cover to get complete protection.
Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
|Basis||Navi Third Party Insurance||Navi Standalone Own-Damage Insurance||Navi Comprehensive Insurance|
|Coverage||Navi third party car insurance is designed to cover your financial liabilities which you may incur towards a third party for their injuries, disabilities, death and property damage incurred due to an accident with the insured car.||Navi standalone own-damage car insurance gives coverage for own-damages incurred by your car that may arise in various situations that comprise accidents, theft, fire, natural calamities, man-made disasters, etc. Also, insurers offer NCB benefits to policyholders for making no claim in a year.||Navi comprehensive car insurance covers the expenses that arise out of the third party liabilities and own-damage costs under a single premium. The comprehensive insurance comes with a personal accident cover that gives coverage for injuries, disabilities and death of policyholders sustained due to a collision or any type of mishap.|
|Add-ons||Navi third party car insurance does not offer add-on cover options.||Navi standalone own-damage car insurance gives several add-on cover options on paying an additional premium.||Navi comprehensive car insurance offers an extensive range of add-on covers to expand your policy coverage by paying a little extra premium.|
|Cost||Navi’s third party insurance can be purchased at an economical rate due to its limited coverage.||Navi’s own damage insurance is more expensive than the third party cover due to its enhanced policy coverage.||Navi’s comprehensive car insurance policy is the costliest as it provides complete protection to your car by offering coverage for third party liabilities and own-damage expenses.|
What is Covered Under Navi Standalone Own-Damage Policy?
Navi’s standalone own-damage car insurance covers the given-below conditions:
- Theft of the car or total loss suffered by it
- Damages incurred by the car due to accidents
- Damage caused to the car during the transportation
- Damage due to a natural disaster or man-made calamity.
What is Not Covered Under Navi Standalone Own-Damage Policy?
Navi’s standalone own-damage car insurance does not offer any coverage for the following situations:
- Depreciated value of the insured car
- Mishaps outside the geographical location
- Breakdown due to electrical or mechanical failures
- Accidents happened due to driving in an illegal manner.
Benefits of Navi Standalone Own-Damage Policy
Navi’s standalone own-damage car insurance provides a range of benefits to policyholders:
- Coverage provided for own damages sustained by the insured car
- The add-on covers will be offered to policyholders to expand their policy coverage.
- No Claim Bonus (NCB) is given to policyholders as a reward for every claim-free year.
How To Purchase Navi Standalone Own-Damage Policy?
When it comes to purchasing the Navi standalone own-damage car insurance policy, you can buy it with the following steps:
Step 1: Visit the official website InsuranceDekho platform and click on the ‘Car’ tab.
Step 2: Fill up the registration number of your car. If you do not have it, you can proceed to the step by entering some alternative details such as make, model, variant and fuel type of your car, year of registration of your car, and so on.
Step 3: Enter the required personal details in the available column which comprise name, phone number, etc., and click on the ‘Submit and Get Quotes’ option.
Step 4: Car insurance policy quotes for the own-damage cover offered by various insurance companies will appear on the screen. Select the Navi car insurance policy quote and opt for some add-ons, in case you wish to include any based on your requirement.
Step 5: Pay the premium amount for the chosen Navi own-damage insurance policy. Once the successful payment for the premium is made, the car insurance policy document will be sent to your registered email ID.
Must Read Articles before buying Navi Car Insurance
- Navi Car Insurance offers an online service to settle claims. Read to know more about the claim settlement process of Navi Car Insurance.
- Read this article to know all about roadside assistance covered by Navi Car Insurance.
- Read this article to find out everything you need to know about the self-inspection process at Navi General Insurance.
Navi Car Insurance User Reviews
- Own Damage
- Most Helpful
- Zero Depreciation
- Third Party
- Cashless Garages
- Policy Download
- Customer Care
- Add On
Why to buy from InsuranceDekho?
- Instant policy # within 5 mins
- More than 45 Lac happy customers
- Claim Support available all 7 days of the week
Navi Car Insurance Contact Details
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