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IndusInd General (formerly known as Reliance General) Standalone Own Damage Car Insurance

If you already have third-party car insurance but no coverage for damages caused to your car, purchasing an IndusInd General (formerly known as Reliance General) Standalone Own Damage car insurance policy will be the best option for you. This own damage cover compensates a policyholder for the expenses of repairing or replacing parts of a car damaged in an unforeseen incident like theft, fire, road accident etc.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Upto 50%
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

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Coverage Under IndusInd Standalone Own Damage Car Insurance

Inclusions
Exclusions

Damages arising out of natural calamities like earthquakes. floods, etc
Losses to the insured car caused due to fire, explosion or ignition
Damages arising out of manmade calamities like riots, terror attacks, vandalism
Partial or total loss arising due to the theft of the insured car is also covered under the own damage insurance
Accidental damages sustained by the insured car while it was in transit by rail, road, air or water

Damages caused to a third party vehicle, third-party property
Death or bodily injuries sustained by a third party due to the insured car
General wear and tear, depreciation sustained by the insured car
Mechanical or electrical breakdown
Losses arising out of war or nuclear risks
Damages sustained by the insured car as a result of drunk driving
Damages to the insured car when the driver was not carrying a valid driving license

Add-ons Under IndusInd Standalone Own Damage Car Insurance

IndusInd General Insurance Company also offers car insurance add-ons that can increase the coverage of standard car insurance. These additional covers can be purchased by paying an extra premium amount.

Nil Depreciation Cover
Consumables Cover
Engine Protector Cover
Key Protect Cover
Daily Allowance Benefit

How to Buy IndusInd Standalone Own Damage Car Insurance Policy?

An IndusInd own damage car insurance policy can easily be purchased online in just 5 minutes by following these steps:

Visit Policybazaar.com and select ‘Car Insurance’ from the homepage
Enter your car number in the given form and proceed
Select your car’s RTO, model, make, variant and registration year
From the given plans, choose IndusInd own damage insurance
Select add-ons that you wish to purchase from the “Add-ons and Accessories” dropdown
Pay the premium amount via desired payment mode
Once the premium has been paid, your IndusInd car insurance policy papers will be mailed to you.

Documents Required to Raise IndusInd Standalone Own Damage Claim

If your car meets with an unforeseen incident, raising a claim against your car insurance online is the immediate thing to do. Your insurer will require some documents to verify your claim. These documents include the following:

Own damage car insurance policy papers
Copy of Police FIR
KYC
Copy of car’s Registration Certificate
Copy of driver’s driving license
Duly signed claim form
Bills and estimates of repair

FAQs

Q1. What is the difference between own damage and zero dep insurance?

Ans: An own damage cover is a car insurance plan that offers financial protection to a car when it meets with an unforeseen incident. In contrast, zero depreciation is an additional cover that can be purchased with an OD plan to cover the depreciation sustained by the car at the time of claim. Usually, an OD plan does not cover any depreciation the insured car bears. However, with the help of this add-on, a policyholder can get compensated for the cost of depreciation borne by the car.
Q2. How many times can I claim IndusInd own damage insurance?

Ans: There is no limit to raising a IndusInd own damage car insurance claim. A policyholder can file as many claims as they want. However, raising a claim can impact the NCB reward received in a policy year.
Q3. Will I get any discount on the premium of IndusInd own damage cover?
Ans: Yes, you can get a discount on the premium while purchasing an IndusInd own damage car insurance policy by following the below-mentioned tips:
- Opt for Voluntary Deductibles
- Take benefit of the NCB reward
- Become a member of any recognised Automobile Association of India
- Install an anti-theft device in your car
- Choose add-ons wisely
Q4. What is a standalone personal accident cover?

Ans: A personal accident cover is a compulsory add-on that can be purchased along with an OD plan. This add-on provides compensation for any accidental injuries to the owner-driver of the insured car.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in