What is standalone car insurance?

Standalone car insurance, also known as own-damage car insurance, protects your car from damage caused by accidents, theft, fire, natural calamities, and man-made disasters. It does not include third-party liability cover. This policy is suitable for car owners who already have an active third-party insurance policy and want protection only for their own vehicle.

How is standalone car insurance different from comprehensive insurance?

Standalone car insurance covers only damage to your own car, while comprehensive insurance covers both your car and third-party liabilities. Standalone insurance usually has a lower premium because it excludes third-party coverage. Comprehensive insurance offers wider protection, making it a better option for complete coverage, especially for new or high-value vehicles.

Is standalone car insurance legally valid in India?

Yes, standalone car insurance is legally valid, but it is not enough on its own. Indian law requires every car to have third-party insurance. Standalone insurance must be purchased along with an active third-party policy to ensure full legal compliance and protection on the road.

What damages are covered under standalone car insurance?

Standalone car insurance covers accidental damage, theft, fire, natural disasters like floods and earthquakes, and man-made events such as riots or vandalism. It helps pay for repair or replacement costs of your own car, reducing financial burden during unexpected situations.

What is not covered under standalone car insurance?

This policy does not cover normal wear and tear, mechanical failures, or damage caused by drunk or drug-influenced driving. Losses during racing or illegal activities are also excluded. Repairs done at unauthorized garages may not be reimbursed, depending on the insurer’s terms.

Buy & Renew Standalone Car Insurance Policy Online

Standalone Car Insurance, also called Own Damage Car Insurance, is designed to protect your car only. It covers damage caused by accidents, theft, fire, natural disasters, and man-made events. This policy does not include third-party coverage. It is best for car owners who already have an active third-party insurance policy and want extra protection for their own vehicle.

Key Features of Standalone Car Insurance

CATEGORIES	KEY FEATURES
Accidental Damage Cover	This insurance pays for repair costs if your car is damaged in an accident. It does not matter who caused the accident. Your car repairs are covered as per the policy terms.
Theft Protection	If your car is stolen or goes missing, the insurance company provides compensation based on the car’s current market value. This helps reduce financial loss in such situations.
Protection from Natural Calamities	Covers damage caused by natural events like floods, earthquakes, storms, cyclones, and landslides. These events are unpredictable, and insurance helps protect you from sudden expenses.
Cover for Man-Made Disasters	Protects against damage caused by vandalism, riots, strikes, or terrorist activities. This ensures your car is protected even in unexpected public disturbances.

Why Do You Need Standalone Car Insurance?

Standalone Car Insurance is useful when you already have third-party insurance but want protection for your own car. It helps cover repair costs and losses without paying again for third-party coverage.

This policy is cost-effective, flexible, and offers peace of mind during accidents, theft, or disasters

Benefits of Standalone Car Insurance

Peace of Mind
Protects you financially against accidents, theft, fire, and natural disasters, so you don’t have to worry about sudden repair costs.
Customizable Coverage
You can add extra protection like Zero Depreciation, Engine Protection, and Roadside Assistance based on your needs.
Cost-Effective
Premiums are lower compared to comprehensive insurance while still covering damage to your own car.
Quick Claims Process
Claims are simple and fast, with cashless repair options available at network garages, making the process smooth and stress-free.

Understanding Coverage and Exclusions in Standalone Car Insurance

COVERED INSURANCE

Accidental Damages

This insurance covers damage to your car caused by accidents. Whether it is a small collision or a major accident, the policy helps pay for repair costs as per the coverage terms.

Theft

If your car is stolen or goes missing, the insurance company provides compensation based on the car’s current market value. This helps reduce financial loss and stress in such situations.

Natural Calamities

The policy protects your car against damage caused by natural events like floods, storms, earthquakes, or lightning. These events are unpredictable, and insurance support helps manage sudden repair costs.

Man-Made Disasters

Covers damage caused by riots, vandalism, civil unrest, or similar situations. This ensures your car is protected even during unexpected public disturbances.

NOT-COVERED INSURANCE

Wear and Tear

Normal aging or mechanical breakdowns are not coveredDamage caused due to regular usage, ageing of the car, or mechanical breakdowns is not covered under this policy.

Driving Under Alcohol or Drugs

If the driver is found driving under the influence of alcohol or drugs, the insurance company will not accept the claim.

Intentional Damage

Any damage caused deliberately to the car is excluded from coverage. Insurance only covers accidental or unforeseen damag

Unauthorized Repairs

If repairs are done at a garage that is not approved by the insurance company, the repair costs may not be reimbursed.

How to File a Standalone Car Insurance Claim?

Inform Your Insurance Company

Contact your insurer immediately after the damage occurs. You can inform them through their mobile app, website, or customer care support.

Click Clear Photos

Take clear photos of the damaged parts of your car. These photos help the insurance company understand the extent of damage and speed up the claim process.

Vehicle Inspection

A surveyor from the insurance company will inspect the vehicle to assess the damage and confirm the claim details.

Submit the Claim

Submit all required documents and details. Once verified, the insurer processes the claim and settles it as per policy terms.

Compare Car Insurance Policies

Compare Third-Party, Comprehensive, Own Damage, and Zero Depreciation car insurance plans to choose the right coverage.

COVERAGE ASPECT	THIRD-PARTY	COMPREHENSIVE	OWN DAMAGE	ZERO DEPRECIATION
Accidental Damage to Own Car	✕	✓	✓	✓
Fire Damage to Own Car	✕	✓	✓	✓
Natural Disaster Damage to Own Car	✕	✓	✓	✓
Damage to Third-Party Vehicle	✓	✓	✕	✕
Damage to Third-Party Property	✓	✓	✕	✕
Personal Accident Protection	✓	✓	✕	✕
Injury or Death of Third Party	✓	✓	✕	✕
Theft Protection for Own Car	✕	✓	✓	✕
Flexible Insured Declared Value (IDV)	✕	✓	✓	✓
Additional Add-On Coverage	✕	✓	✓	✓