{"id":2201,"date":"2022-09-29T10:30:29","date_gmt":"2022-09-29T05:00:29","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2201"},"modified":"2023-06-15T14:56:33","modified_gmt":"2023-06-15T09:26:33","slug":"irdai-allowed-add-ons-to-motor-od-policy","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/irdai-allowed-add-ons-to-motor-od-policy\/","title":{"rendered":"IRDAI Allowed Add-Ons to Motor Own Damage (OD) Policy"},"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\/irdai-allowed-add-ons-to-motor-od-policy\/#Benefits_of_Add-Ons_to_Motor_OD_Cover\" >Benefits of Add-Ons to Motor OD Cover<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-allowed-add-ons-to-motor-od-policy\/#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>On July 06, 2022, The Insurance Regulatory and Development Authority of India (IRDAI), in its press release, permitted all general insurance companies to introduce the following tech-enabled concepts as add-ons for the Own Damage (OD) motor insurance cover:<\/p>\n<ol>\n<li>Pay as you drive<\/li>\n<li>Pay how you drive<\/li>\n<li>Floater policy for vehicles to the same individual for two-wheelers and private cars<\/li>\n<\/ol>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2203\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3.jpg\" alt=\"IRDAI Allowed Add-Ons to Motor Own Damage Policy\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/IRDAI-Allowed-Add-Ons-to-Motor-Own-Damage-Policy3-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p>The add-on cover \u201cPay as you drive\u201d will help the insured vehicle owner to pay premium based on the usage of his vehicle. Premium will be charged based on the kilometres covered. A Lower premium will be charged to the vehicle owner who spends less time on the road compared to the owner who drives a lot.<\/p>\n<p>\u201cPay how you drive\u201d add-on will depend on the manner the owner drives the insured vehicle. The insurer will use the \u201cdriver-based\u201d and not the \u201casset-based\u201d parameter to charge the premium. Less premium will be charged to the policyholder who drives safely. A higher premium will be charged to the vehicles with more fines and accidents.<\/p>\n<p>With the \u201cfloater policy\u201d add-on, vehicle owners can buy a single (floater) policy for more than one vehicle. A person having more than one vehicle (for both two-wheeler and four-wheeler) does not need to buy separate policies for each vehicle.<\/p>\n<p>According to IRDAI\u2019s press release, these add-ons \u201cwill aid in giving the much-needed fillip to <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-own-damage-car-insurance\/\">Motor OD Insurance<\/a> in the country and increase its penetration.\u201d<\/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<h2><span class=\"ez-toc-section\" id=\"Benefits_of_Add-Ons_to_Motor_OD_Cover\"><\/span>Benefits of Add-Ons to Motor OD Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>These add-ons will give protection to the policyholders based on the driving pattern. The premium will be charged according to how, where, and when the policyholder drives.<\/li>\n<li>The add-ons will make motor insurance more affordable to the policyholders.<\/li>\n<li>The introduction of tech-enabled concepts will encourage vehicle owners to follow traffic rules and drive safely. This will lead to a reduction in<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/why-your-accidental-insurance-claim-may-get-rejected\/\"> road accidents<\/a> in the long run.<\/li>\n<\/ol>\n<p>Go ahead and buy add-on cover to customize your own damage motor vehicle insurance policy.<\/p>\n<p>If you have any problem related to your insurance, you can approach Insurance Samadhan. We have resolved 14,500+ insurance-related complaints. Contact us to get samadhan for your insurance-related issues, 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\/dengue-insurance-coverages-and-exclusions\/\">Dengue treatment claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-reasons-for-travel-insurance-medical-claim-rejection\/\">Travel insurance medical claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/beware-of-mis-selling-and-insurance-fraud\/\">Insurance Fraud<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\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\">\u00a09910998252<\/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<\/div>\n<\/div>\n<\/div>\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\/irdai-allowed-add-ons-to-motor-od-policy\/\"\n  },\n  \"headline\": \"IRDAI Allowed Add-Ons to Motor Own Damage (OD) Policy\",\n  \"description\": \"IRDAI permits insurers to introduce tech-enabled add-ons to motor OD cover. 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