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Difference between standalone Own-damage and comprehensive care insurance

Written by Saad Ahmad
Updated On Jan 03, 20242 min read

Comprehensive or Standalone Own-Damage Car Insurance: Which Is the Better Policy? Read on to learn more.

The comprehensive automobile insurance plan is a comprehensive insurance policy that covers both third-party and personal damage. It also lets policyholders supplement their coverage with a few add-on covers. Due to its comprehensive coverage, it is the most expensive plan, but it is also the most recommended. When an accident or collision occurs, however, all parties are responsible for the damages. As a result, the necessity for separate own-damage insurance coverage arises. But first, let's go over the features of the comprehensive and standalone own-damage insurance plans, as well as the variations between them, in order to determine which is the better alternative for a car owner.

The distinction between different auto insurance policies enhances their worth and makes it easier for clients to choose one.

Difference between standalone Own-damage and comprehensive care insurance

Standalone Own-Damage Insurance

The standalone own-damage insurance is the polar opposite of the liability-only policy in that it is designed to protect your automobile solely, with no coverage for third parties. This coverage covers the costs of damage or loss to the insured automobile as a result of an accident, theft, fire, natural catastrophes, man-made disasters, and so on. For policyholders, independent own-damage insurance provides them the possibility of additional coverage and reductions.

Benefits Of Standalone Own-Damage Insurance

The advantages of buying a stand-alone own-damage policy are as follows:

  • Compensation for Expenditures Incurred Due to One's Own Negligence

In the case of an accident, your own-damage insurance will cover the cost of repairing your car. It provides more protection than third-party liability insurance, which is required by law.

  • Add-on Covers are Available for Purchase, Including

Several optional add-on covers are available for own-damage coverings. You may pick and choose among them to acquire customized insurance coverage that meets your specific needs.

  • No Claim Bonus for Claim-Free Years

As a reward for good driving behavior, the insurance firm offers NCB with every own-damage policy.

 Comprehensive Care Insurance

A comprehensive automobile insurance policy covers both parties' losses and damages in the event of an accident or disaster. It covers full insurance coverage for the insured vehicle/damaged cars as well as third-party liability. It is a comprehensive insurance plan that covers everything. A number of add-on covers, such as zero depreciation cover, NCB cover, Bi-fuel kit cover, and others, are available to supplement the coverage of comprehensive insurance. A comprehensive automobile insurance coverage, unlike a third-party-only policy, is not required by law, although it is strongly recommended.

Benefits Of Comprehensive Care Insurance

The following are some of the advantages of having a comprehensive vehicle insurance policy:

  • The Highest Level of Security

Car insurance provides an extra layer of security for the insured as well as his or her car. This is accomplished by covering for any damages incurred as a result of an accident, providing financial stability and peace of mind in times of difficulty.

  • Liabilities are Covered

In the event of an accident in which the policyholder is at fault, third-party insurance will be required to reimburse the costs. This form of insurance is required. Third-party obligations are covered by a complete policy.

  • Own-Damage

In the event of an accident, the insurance will also pay for the damage to the car. This covers damage from natural and man-made disasters, vandalism, accidents, and theft.

Take Away

To choose which is best for you, you need to know everything about comprehensive care insurance and the differences between it and own-damage insurance. We hope that after reading the above information, you understand how both plans work and why every car owner should have both of these car insurance policies for comprehensive coverage when driving their vehicles.

Also read - Why Will Electric Vehicle Insurance Be More Expensive?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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