{"id":1875,"date":"2022-08-31T12:21:51","date_gmt":"2022-08-31T06:51:51","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1875"},"modified":"2025-09-18T10:05:43","modified_gmt":"2025-09-18T04:35:43","slug":"all-you-need-to-know-about-own-damage-car-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/","title":{"rendered":"All You Need to Know About Own Damage Car Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/#What_is_an_Own_Damage_Insurance\" >What is an Own Damage Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/#Is_OD_Insurance_Compulsory\" >Is OD Insurance Compulsory?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/#What_Does_an_OD_Car_Insurance_Covers\" >What Does an OD Car Insurance Covers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/#What_Are_The_Exclusions_of_OD_Insurance\" >What Are The Exclusions of OD Insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Road accidents are ugly and expensive too. In a road accident, there are two types of losses- damage to your own car and damage to the third-party property\/person. <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/\">Third-party insurance<\/a> is mandatory as per the Motor Vehicle Act. However, own damage car insurance is an optional cover. You can buy a standalone own damage insurance policy or opt for a comprehensive insurance plan.<\/p>\n<p>Comprehensive insurance is a combination of two plans:<\/p>\n<ol>\n<li>Third-party Insurance<\/li>\n<li>Own damage to car insurance (normal or zero depreciation)<\/li>\n<\/ol>\n<p>Own damage car insurance covers all the damage to the insured vehicle against sudden and unexpected events.<\/p>\n<p>Let\u2019s know about own damage car insurance in detail.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-1881\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1.jpg\" alt=\"All You Need to Know About Own Damage Car Insurance\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_Own_Damage_Insurance\"><\/span><strong>What is an Own Damage Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Own damage insurance (OD Insurance) is a type of motor insurance that shields your car from damages caused due to accidents, natural calamities, man-made disasters, etc. It also covers the risk of the car being stolen.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_OD_Insurance_Compulsory\"><\/span><strong>Is OD Insurance Compulsory?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unlike, third-party insurance, OD insurance is not mandatory. If you already have a third- party insurance, it\u2019s optional to buy a standalone OD insurance. But most insurance companies sell standalone third-party insurance or comprehensive insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Does_an_OD_Car_Insurance_Covers\"><\/span><strong>What Does an OD Car Insurance Covers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An own damage car insurance gives protection against the following risks:<\/p>\n<ol>\n<li>Accidental damages: An own damage cover protects your car from the damages caused due to an accident.<\/li>\n<li>Lost\/ Theft: The cover compensates you if the insured car gets stolen or you lost it due to burglary or any covered event.<\/li>\n<li>Loss\/ damage due to fire: OD insurance will cover car damages due to fire, lightning, explosion, etc.<\/li>\n<li>Loss\/ damage due to natural calamities: Damages caused by natural calamities like earthquakes, floods, hailstorms, etc., are covered.<\/li>\n<li>Loss\/ damage due to man-made disasters: Car damages due to man-made disasters like terrorist attacks, strikes, riots, etc., are covered.<\/li>\n<li>The coverage of own damage insurance may differ from company to company. It is advised to read all the terms and conditions of the policy documents carefully.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_The_Exclusions_of_OD_Insurance\"><\/span><strong>What Are The Exclusions of OD Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An own damage car insurance does not cover the following risks:<\/p>\n<ol>\n<li>A standalone own damage insurance cover will not cover third-party liabilities.<\/li>\n<li>Negligence or a deliberate act of the owner to get a claim, won\u2019t be covered.<\/li>\n<li>When a car owner is under the influence of alcohol or drugs, damages caused will not be covered.<\/li>\n<li>If the driver was not carrying a driving license, then the claim will not be approved.<\/li>\n<li>Nuclear peril or civil wars are not covered<\/li>\n<li>Consequential damages (that take place after an accident) are excluded from the cover.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dos-and-donts-while-filing-a-motor-insurance-claim\/\">Click here to know the do&#8217;s and don&#8217;ts while filing a claim for motor insurance<\/a><\/p>\n<p>Read the policy document carefully before purchasing it. If you face any problem related to insurance, you can contact Insurance Samadhan. We have helped resolve 14,500+ complaints of policyholders. We\u2019ll be happy to help you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/\"\n  },\n  \"headline\": \"All You Need to Know About Own Damage Car Insurance\",\n  \"description\": \"Own damage insurance (OD Insurance) is a type of motor insurance that shields your car from damages caused due to accidents, natural calamities, man-made disasters, etc. It also covers the risk of the car being stolen.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/All-You-Need-to-Know-About-Own-Damage-Car-Insurance1.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-08-31\",\n  \"dateModified\": \"2022-08-31\"\n}\n<\/script><\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Road accidents are ugly and expensive too. In a road accident, there are two types of losses- damage to your own car and damage to the third-party property\/person. Third-party insurance is mandatory as per the Motor Vehicle Act. However, own&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[12],"tags":[132,130,129,128,131],"class_list":["post-1875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-claim-process","tag-od-insurance","tag-own-damage-car-insurance","tag-own-damage-insurance","tag-standalone-od-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Own Damage Car Insurance Explained | Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Learn about own damage car insurance coverage, claim settlement, and non-fault accident claims. 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