National Insurance Standalone Own Damage Car Insurance

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National Insurance Standalone Own Damage Car Insurance
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  • Plan starting @ ₹ 2094#

  • 93% Claim settlement ratio

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      National Insurance Standalone Own Damage Car Insurance

      A National Insurance Standalone Own Damage car insurance policy safeguards the financial and legal liabilities of a policyholder in case his/her car meets with an unforeseen incident. Damages arising out of accidents, fire, theft, and natural and manmade calamities to the insured car are covered under this policy by National Insurance Company Limited.

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      Key Features of National Insurance Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Offered
      Zero Depreciation cover Yes
      PA Cover Upto Rs. 15 Lakh

      Coverage Under National Insurance Standalone Own Damage Car Insurance

      • Damages sustained by the insured car due to natural calamities like earthquakes, cyclones, lighting, etc
      • Damages arising out of manmade acts like riots, strikes, etc
      • Damages caused to the insured vehicle due to theft, burglary or housebreaking
      • Damages arising out of the fire, self-ignition or explosion
      • Any damage sustained by the insured car while it was in transit
      • Third party liabilities like third-party property damage, death or bodily injuries
      • Damages sustained by the insured car as a result of drunk driving
      • Damages caused to the insured car when the driver was not carrying a DL
      • Damages arising out of any contractual liability are not included in policy coverage
      • Losses sustained by the insured car due to depreciation, general wear and tear

      Add-ons Under National Insurance Standalone Own Damage Car Insurance

      The coverage of a National own damage car insurance policy can also be enhanced by purchasing additional covers at an extra premium. Add-ons offered by the national car insurance company include:

      • Consumables Cover
      • Engine Protect Cover
      • Invoice Protect
      • Lock and Key Protect 
      • Loss of Driving License
      • Loss of Personal Belongings
      • NCB Protect Addon
      • Nil Depreciation Addon

      How to Buy National Insurance Standalone Own Damage Car Insurance Policy?

      A National Insurance own damage car insurance policy can easily be purchased online. Below we have mentioned steps to buy OD cover online from Policybazaar.com:

      • Visit the official website of Policybazaar Insurance Brokers Private Limited
      • From the homepage, select the ‘Car Insurance’ tab
      • Enter your car number and proceed forward
      • Now select the details of your car such as make, model, variant, RTO and registration year
      • From the given list of third-party, own damage and comprehensive car insurance plans of various insurance companies, choose the National Insurance OD plan 
      • Select any additional cover that you wish to purchase with your plan
      • Check the final premium amount and pay it via desired payment mode
      • Once the premium has been paid, your National insurance own damage car policy will be issued to you.

      Documents Required to Raise National Insurance Standalone Own Damage Claim

      In case your car has met with an unforeseen incident, the first thing to do would be to inform the insurance company. The insurer will send a surveyor and ask for some documents for claim verification. Here are the documents required to raise a National insurance standalone own damage claim:

      • Duly signed and filled claim form
      • OD car insurance documents
      • Driving License
      • Copy of car’s Registration Certificate
      • Copy of Police FIR
      • Bills and estimates of repair
      • KYC

      FAQs

      • Q1. How to reduce National own damage car insurance price?

        Ans: To reduce your National own damage car insurance premium, you can follow these tips:

        • Install an ARAI-approved anti-theft device in your car
        • Take advantage of No claim bonus by not claiming in a policy year
        • Opt for voluntary deductibles
        • Avoid choosing unnecessary add-ons
        • Become a member of the Automobile Associations of India
      • Q2. Can I only buy own damage car insurance?

        Ans: You can purchase an OD plan separately when you already have the mandatory third party car insurance and want to extend the coverage to car’s own damages as well.

      • Q3. Is own damage car insurance mandatory?

        Ans: No, an own damage car insurance is not a mandatory requirement as per the motor laws of India. Though it is recommended as it can be used to protect your own car from unforeseen incidents.

      • Q4. How can I know the status of my National own damage car insurance plan?

        Ans: To know the status of your National Insurance own damage policy, you can sign in to your Policybazaar account and check your policy status from your dashboard. Alternatively, you can also know the status of your OD cover from the insurer’s official website.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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