Own Damage Car Insurance

Name: Own Damage Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Own-damage (OD) car insurance is a standalone policy that covers damage to your car caused by accidents, fire, man-made or natural disasters and theft. It can be purchased only if you already have a valid third-party car policy.

For instance, if you get car insurance from the dealer when buying a new car, the own damage coverage you get under the plan will only be for a year, while the third-party coverage will be for three years. In this case, you can buy the IndusInd own damage car insurance policy to ensure your car stays covered once the dealer's 1-year OD plan expires. If you're looking for a car policy, with IndusInd General Insurance (formerly known as Reliance General Insurance), you can get an own-damage car insurance plan separately or bundled with third-party insurance.

We also offer options to increase coverage through our 15+ add-ons (and 3 EV add-ons), cashless claims at over 11,000 network garages, and quick online processes for claims and renewals.

Why US

Why 8 Crore+ Policyholders Choose Us?

IndusInd Own Damage Car Insurance (formerly Reliance Own Damage Car Insurance) is a smart choice for car owners who want complete control over their car’s protection. To ensure maximum flexibility, we offer both long-term and short-term OD plans to suit your needs.

Brand - Car

15+ Add-On Covers Available

Extra covers for enhanced protection

Up to 3 Years Coverage*

Get long and short-term coverage with us

Video Claims Feature on Our App

File quick cashless claims via mobile

24/7 Customer Assistance*

Get support from anywhere in India

What is Own Damage Car Insurance?

Own damage car insurance is a standalone car insurance cover that protects your own vehicle against losses caused by accidents, theft, fire, floods, earthquakes, and other natural or man-made events. In simple terms, it pays for the repair or replacement of your car if it gets damaged - something a basic third-party policy does not do.

As per IRDAI rules, third-party (TP) car insurance is mandatory in India, while own damage (OD) cover is optional. However, an own damage insurance for cars can be purchased only if your car already has a valid third-party insurance policy. This makes own damage insurance for car owners an important add-on for complete financial protection.

How Standalone Own Damage Insurance Works

When you buy a new car, dealers usually provide a long-term third-party policy (3 years) along with 1 year of own damage cover. After the first year, the own damage portion expires, but the third-party cover continues. To keep your car protected against accidents and theft, you can buy a standalone own damage policy from your preferred insurer.

Own damage cover can be taken either as a standalone own damage policy (along with an active TP policy) or as part of a comprehensive car insurance plan that bundles OD and TP together.

When Can You Buy a Standalone Own Damage Policy?

If your car was purchased after September 2018 and has a long-term third-party policy
If your own damage cover has expired, but third-party insurance is still valid
When you want to switch insurers for better OD pricing or add-ons
If you currently have only a third-party policy and want protection for your own car
After a policy renewal, when choosing OD separately instead of a full comprehensive plan

Key Features of IndusInd Standalone Own-Damage Car Insurance

Features	Details
Affordable Premiums	Starts at just ₹308*
Pay-As-You-Drive Option	2,500 to 10,000 km options*
Personal Accident Cover (Optional)	Owner-Driver cover up to ₹15 lakhs*
Add-Ons	15+ add-ons available*
Cashless Repairs	11,000+ network garages
Buy/Renew Online	Instant purchase via IndusInd Insurance app
Discounts	Up to 80%* + 50%* NCB
Voluntary Deductible	₹1,000 to ₹7,500 options*
24/7 Customer Support	Call, WhatsApp, and email

Benefits of Own Damage (OD) Car Insurance

Flexible Coverage

We offer short-term own damage plans that last for 3-4 months, as per your requirements. For car owners who require extended coverage, we offer long-term OD plans of up to 1 year* to provide uninterrupted protection.

Cost Effective

If you are a new car owner who gets 3 years of 3rd Party liability coverage through the dealer, SAOD insurance can help you get complete coverage. Simply buy this policy and protect your car more efficiently.

Pay As You Drive Option

We offer a Pay As You Drive add-on with our SAOD car insurance. With this add-on, you can set your driving limit from 2,500 km to 10,500 km, and only pay for the distance you drive per year, resulting in higher savings.

Customisable with Add-Ons

With IndusInd own Damage Car Insurance (formerly known as Reliance Own Damage Car Insurance), you get access to 15+ add-ons like engine protection, nil depreciation, return-to-invoice, etc, along with 3 EV-specific add-ons.

Up to 80% Discount!

Get up to 80%* discount on OD premiums with an additional 10% discount with the PAYD add-on. But that’s not all – you also get more discounts for protecting vehicles with anti-theft devices and memberships in automobile associations.

Personal Accident Cover

A personal accident cover is mandatory for every car owner/driver in India. That's why we offer this additional cover under our OD plan, up to ₹15 lakh, to cover medical expenses for injuries caused by road accidents.

What Does Standalone Own Damage Car Insurance Cover?

What is Covered?

Accidents and Collisions: If your car gets damaged in a road accident, the insurance will pay for repairs.

Natural Disasters: Repair costs due to natural disasters – thunderstorms, lightning, floods, earthquakes, fires, etc.

Man-Made Disasters: Man-made disasters, such as terror attacks, damage to your car due to burglary and house-breaking.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Animal or Rodent Damage: Covers damage caused to your car’s internal or external due to animal bites or attacks.

What is Not Covered?

Third-Party Liabilities: We cover damage to your car fully, but third-party liabilities & Injuries are excluded.

Depreciation: Depreciation of car parts typically isn't covered, but we do cover it under the nil dep add-on.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your car, you'll need to opt for add-on coverage.

Law Violations & Outside Coverage Zone: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording

We keep your savings safe and your car safer

Call now and shield your car from costly surprises!

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Who Should Buy Own Damage Car Insurance?

New Car Owners

New cars come with high repair and replacement costs, especially in the first 3–5 years. While third-party insurance is mandatory, it does not protect your own vehicle. Having car insurance for own damage ensures your investment is covered against accidents, theft, fire, and natural disasters from day one.

New or Inexperienced Drivers

New drivers are statistically more prone to minor accidents and scratches. Own damage car insurance acts as a financial safety net by covering repair expenses, helping you avoid unexpected out-of-pocket costs while you gain driving confidence.

Owners with Third-Party Only Policies

If you currently have only a third-party (TP) policy, any damage to your own car must be paid from your pocket. A standalone own damage policy fills this gap by covering repair costs, replacement of parts, and damage due to accidents or disasters.

Owners of Expensive, Luxury or EV Cars

Luxury and electric vehicles have costly parts, advanced electronics, and expensive batteries. Own damage insurance, combined with suitable add-ons like zero depreciation or battery protection, helps manage high repair bills and protects long-term ownership costs.

Own-Damage vs Third-Party vs Comprehensive Car Insurance

Parameters	Third-party Insurance	Own-Damage Insurance	Comprehensive Insurance
Is it Legally Compliant?	Yes, as per the IRDAI.	Only if purchased with an active third-party plan	Yes. Not legally mandatory but preferred.
Coverage	Other people, property and vehicles	Only your car	Your Car + Third-party damage
Add-ons	No	15+ add-ons available	15+ add-ons available
Premium Cost	Low	Moderate	Higher for maximum coverage
Depreciation Rate	Does not affect premium	Affects premium	Affects premium
Recommended For	Car owners who own an older car or use it less frequently.	Those who have valid third-party insurance and want complete protection for their own car.	Car owners looking for enhanced protection against third-party liabilities and damage to their car under one policy.

IndusInd Own-Damage Car Insurance Curated Add-on Packages

Motor Secure Plus Cover

This is a bundle of the 3 most important add-ons: Nil Depreciation, Engine Protect and Consumables Cover With this, you can experience complete protection with reduced out-of-pocket expenses.

Motor Secure Premium Cover

Opt for enhanced protection for your car with these add-ons: Nil Depreciation, Engine Protect, Consumables Cover and Key Protect. This bundle will cover most overlooked aspects and give you a seamless claim experience.

Add-ons You Can Choose with Own Damage Car Insurance

Pay as You Drive (Limit Sure)

Save on premiums by paying based on actual kilometres driven with this add-on. You can choose between 2,500 and 10,500 km* based on your car’s usage. So, if you stay very close to your workplace or have permanent work from home, this is the best option to save on premiums.

Nil Depreciation Cover

Nil depreciation, also known as bumper to bumper add-on, ensures you receive the full claim amount for replacing parts like plastic, rubber, and fibre without deductions for depreciation. This is a must-have for new or high-value cars

Return-to-Invoice Cover

This add-on ensures that you receive the complete purchase amount (including taxes and registration fees) in case your car gets damaged in an accident, is stolen or cannot be repaired. Typically, without this add–on, the claim received is after deducting the deductible amount.

Engine & Gearbox Protection Cover

The engine is the most important part of your car, and engine repairs can be expensive. This add-on covers the repair costs of the car engine or its parts for damages caused by water ingression (water entering the engine), oil leakage, or accidental impact.

Tyre Protection

This add-on covers repairs and replacement of tyres and tubes damaged by accidents, cuts or bursts or bulges caused by poor road accidents. Since tyre replacements can be costly, this add-on will ensure your out-of-pocket expenses are reduced.

Key Replacement Cover

Most modern vehicles rely on smart keys and remote locking systems, making their replacement costly in case of loss or damage. Hence, this add-on covers key replacement, lockset repairs and even smart key reprogramming.

Consumables Expenses

When your car is damaged, the repair process also involves replacing minor consumables, such as nuts, bolts, oil or brake fluids. These costs can go up to 5%-10% of the total cost. This add-on covers the consumables costs, ensuring complete protection.

Rim Protection

Since your stylish rims can sustain damage due to accidents, curbs or poor road conditions, repairing them can be expensive. This add-on covers the repair and replacement cost of all four of your car’s rims, which are typically not covered under a standard policy.

24/7 Roadside Assistance Cover

With this add-on, you receive emergency services like towing, fuel delivery, flat tyre replacement, battery jumpstarts and on-site repairs at any time and anywhere. Simply call the helpline number (022 48903009) or use the IndusInd Insurance App for assistance.

Loss of Personal Belongings

If valuable items like your laptop, phone, or bags (worth ₹5,000 or more) are stolen from your locked car, this add-on provides compensation. It reduces the financial strain and helps you recover*, making it ideal for those who frequently carry work or personal items in their vehicle.

Daily Allowance Benefit

If your car is being repaired at any of our network garages for more than 3 days, you can rely on this cover for support. It provides you with a daily cash allowance for alternate travel costs like cab fares or train tickets until your car is back on the road.

EMI Protection Cover

If your car is undergoing repairs at a garage for over 21, 42, or 63 days*, this covers your monthly car loan EMIs for the chosen tenure. This add-on cover will reduce financial stress during unexpected delays, making it ideal for those who pay high monthly EMIs.

EV Battery Protection

Protects your electric or hybrid car's battery from damage caused by accidents, water, power surges or mechanical shocks. Since EV batteries are expensive, this add-on is a must-have for EV owners.

Electric Motor Protect

The electric motor is vital for your EV’s functioning, but it’s vulnerable to water damage, short circuits, overheating, etc. This add-on covers repair costs for motor damage, sparing you from unexpected expenses.

EV Charger Cover

Covers the repair or replacement of your home EV charger, whether damaged by accidents, rat bites, fires, or theft. This add-on ensures your charging equipment stays protected.

NCB Retention Cover

Your NCB discount is only applicable as long as you don't file a claim. But with this add-on, you can retain your NCB discount after filing one claim during the policy year. This way, you can still use your car insurance coverage for major repair costs and enjoy your premium discount.

Electrical Accessories Cover

This add-on safeguards any electrical accessories you’ve installed in your car, such as audio systems, parking camera, GPS device, or rearview cameras. These are usually excluded from standard insurance, but with this add-on, your additional upgrades are protected.

Non-Electronics Accessories Cover

Customisations such as alloy wheels, decorative fittings, seat covers or bumper guards are not included in regular insurance. This add-on covers the repair or replacement of your fittings if they are damaged in an accident, keeping your personalised fittings secure.

How is Own Damage Insurance Premium Calculated?

Factors that Affect Your OD Premium

IDV (Insured Declared Value)

Own Damage premium is largely based on the IDV of your car — the current market value of the vehicle. A higher IDV means a higher potential payout for total loss, and therefore a higher premium.

Car Age, Make & Model

Newer cars and premium models usually have higher repair costs, resulting in higher OD premiums. Older cars attract lower premiums due to lower IDV.

City / RTO and Usage Pattern

Vehicles registered in busy metro areas often attract higher premiums due to higher accident and theft risk. Car usage patterns (personal vs commercial) also influence pricing.

Previous Claims and NCB (No Claim Bonus)

A claim-free history earns you NCB discounts on your OD premium, reducing the cost each claim-free year. Multiple claims or no NCB can raise your premium.

Voluntary Deductibles & Chosen Add-Ons

Choosing higher voluntary deductibles lowers your premium, while additional covers like zero depreciation and engine protection raise the premium.

How Your Standalone Own Damage Premium is Calculated?

Parameter	Hatchback Example	SUV Example
Car Age	3 years	1 years
IDV	₹4,50,000	₹12,00,000
Base OD Premium	₹3,200	₹8,500
Zero Dep Add-on	₹1,200	₹3,000
Engine Protect Add-on	₹600	₹1,800
Final OD Premium	₹5,000 – ₹5,200	₹13,300 – ₹14,000

Please Note:Car insurance premiums vary based on vehicle type, add-ons, NCB, location, and usage, with higher coverage options increasing protection and claim benefits.

Tips to Reduce Own Damage Premium

Every claim-free year earns you an NCB, which can go up to 50%. This directly reduces your own damage premium at renewal.

Select an IDV close to your car’s actual market value. A very high IDV increases the premium, while a very low IDV may reduce claim payout.

Fitting IRDAI-approved anti-theft devices lowers theft risk and can make you eligible for premium discounts.

If you are comfortable paying a higher amount during claims, choosing a higher deductible can significantly reduce your annual premium.

Avoid paying for unnecessary add-ons. For example, zero depreciation is useful for new cars, while older cars may not need it.

Renew your policy on time to retain NCB and avoid inspection charges or higher premiums that may apply after a lapse.

Steps to Calculate Premium Online

Go to the Calculator

You can easily check your premiums by entering your car information below.

Enter Your Details

Enter your car details, such as your car RC number and click “View Prices”.

Check Your Premium

The calculator will display your premium rate instantly.

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How to Buy/Renew Standalone Own Damage Insurance for Your Car Online

Scroll Up

Go to the top form on this page. You can also use the calculator to check prices.

Enter Details

Enter your name, mobile number, and car registration number on the form.

Select IDV & Policy Type

Travellers are no longer required to present a Covide- 19 vaccination certificate for e-visa for Vietnam from India.

Select Add-Ons

Add add-ons if required to enhance coverage and review your choices.

Finish KYC & Pay

Pay online and complete the CKYC with your PAN details to receive your policy.

Scroll Up

Go to the form at the top of this page or tap on “InstaRenew” on the IndusInd Insurance app.

Enter Details

Select the Renewal option and fill in your mobile number or policy number and click “Submit”.

Review & Modify

Make any necessary changes to your coverage before renewal.

Apply NCB Discount

This is also the time to apply any accumulated NCB discounts, if applicable.

Pay & Get Policy

Complete the renewal payment using your preferred online mode. Your renewed policy is activated immediately and sent to your email ID.

Tips for a Smooth Renewal

Review Your IDV Carefully

Ensure the Insured Declared Value reflects your car’s current market value, so you’re neither overpaying nor underinsured.

Check Your No Claim Bonus (NCB)

Confirm your NCB percentage is correctly applied, as a higher NCB can significantly reduce your renewal premium.

Revisit Your Claim History

Look at claims made in the previous policy year, as this impacts both your NCB and premium.

Reassess Your Add-Ons

Add or remove covers like Zero Depreciation or Engine Protect based on your car’s age and usage this year.

How to File an Own Damage Car Insurance Claim?

Cashless

You must inform us of the incident within 24 hours or register your claim on our Indusind insurance app.

Visit a network garage for repairs. We will send a surveyor to check the extent of damage to your car.

You can also do a self-inspection using the indusind insurane app, just submit photos or join a live video survey.

Submit all your claim documents and wait for approval from our team. This can take 7 days (after document submission).

After we approve of your claim, we pay the bill directly to the garage and drop your car off at your address.

Reimbursement

Make sure to inform us of the incident within 24 hours. You can also file your claim on the IndusInd Insurance app.

Visit any garage of your choice to get your car repaired. Pay the repair bills and keep all bills and receipts.

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate.

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

Cashless vs Reimbursement Claims

Cashless claims apply when you get your car repaired at an IndusInd network garage, where the insurer settles the approved repair costs directly with the garage.
Reimbursement claims apply when repairs are done at a non-network garage; you pay first and later claim the approved amount by submitting bills and documents.

Documents Needed for OD Claims

Copy of your own damage car insurance policy and vehicle RC
The driving licence of the person driving at the time of the incident
FIR or police report for theft, major accidents, or third-party involvement
Repair estimate and final repair bills from the garage
Bank account details and cancelled cheque for claim payout (for reimbursement claims)

Key Takeaways

IndusInd Standalone Own Damage Insurance (formerly known as Reliance Standalone Own Damage Insurance) is an affordable way to protect your car starting at just ₹308 per month. You get coverage for damage due to accidents, natural disasters (floods, typhoons, earthquakes), man-made calamities and car theft.

You can also easily pair your IndusInd own damage car insurance (formerly known as Reliance own damage car insurance) with an existing third-party car insurance policy, even if you bought the third-party plan from another insurer. We offer short-term monthly plan options starting from 1 month and long-term plan options that you can get for up to 1 year*.

What's more? You also get access to 15+ add-ons such as Pay As You Drive, Nil Depreciation, Engine Protection, etc., and 3 EV add-ons* to customise coverage, along with cashless claims services at over 11,000 network garages*. With IndusInd General Insurance (formerly known as Reliance General Insurance), you get comprehensive car insurance coverage that fits your budget

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Car insurance starting at just ₹308 per month*!

Low Premiums and Wide Protection!

Get coverage as short as 1 month or as long as 1 year* with our OD car plans! You also get add-ons like PAYD and 3 specialised EV add-ons* for electric and hybrid cars.

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Roshan Jha

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Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

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Limited policy options

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The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

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I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

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Visakhapatnam

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The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Own Damage Car Insurance

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Frequently Asked Questions (FAQs)

What is own damage car insurance, and how is it different from comprehensive insurance?

Own damage car insurance covers only the damage to your own car due to accidents, theft, fire, or natural calamities. A comprehensive policy includes both own damage cover and mandatory third-party liability cover, while a standalone own damage policy does not include third-party protection.

Can I buy own-damage insurance if I already have third-party insurance from another insurer?

Yes, you can buy a standalone own damage policy even if your third-party cover is from a different insurer. The only requirement is that your third-party policy must be active for the same period.

Can I claim own-damage insurance if someone else was driving my car?

Yes, you can raise a claim even if someone else was driving, provided the driver had a valid driving licence and the car was used as per policy terms. Claims may be rejected if policy conditions are violated.

Is own damage car insurance and zero depreciation insurance the same?

No, they are not the same. Own damage insurance is the main cover for damage to your car, while zero depreciation is an add-on that ensures full claim payout without deducting depreciation on parts.

How to save on standalone own-damage car insurance premiums?

The best way to save on premiums would be to buy your car insurance plan online, since online plans are cheaper and offer more discounts. For example, we offer up to 90%* discount. Other ways to further reduce your premiums would be to choose the correct insured declared value (IDV) and voluntary car insurance deductibles. Also, try not to over-insure your car and only get add-ons you need.

Is own-damage car insurance mandatory in India?

No. Own-damage car insurance is not mandatory in India. It’s an optional plan for anyone who wants to cover their car against damage or loss.

Who should buy standalone own-damage car insurance?

Our standalone own-damage car insurance is ideal for existing third-party car insurance holders, temporary car insurance seekers and budget-conscious customers.

What is the cost of an own-damage car insurance policy?

The cost of a car insurance policy for own-damage is calculated based on factors such as the type of plan, tenure, car’s make and model, registration year, location, and so on. Use our car insurance premium calculator to know your estimated premiums.

Can I purchase car insurance for one week for my upcoming road trip?

Yes. Our short-term own-damage car insurance can be purchased for any duration, ranging from a single day to a few months.

Can I customise OD car insurance with add-ons?

Yes. You can buy 13+ useful add-ons to personalise your plan according to your needs. You can also consider buying our add-on packages, which offer mixed add-ons for dedicated coverage.

Is standalone own damage car insurance mandatory in India?

No, standalone own-damage car insurance is not mandatory. As per IRDAI rules, only third-party car insurance is compulsory, while own damage cover is optional but strongly recommended to protect your vehicle.

Does own damage car insurance cover engine damage and accessories?

Engine damage is covered only if you have opted for an engine protect add-on; it is not included by default. Electrical and non-electrical accessories are covered if declared and insured, or if you have chosen the relevant add-on.

How many times can I claim under an own damage policy in a year?

There is no fixed limit on the number of claims in a year. However, each claim affects your No Claim Bonus and may increase your premium at the next renewal.

What types of own-damage insurance policies does IndusInd General Insurance offer?

We offer 2 types of OD car insurance – a standard yearly plan and a temporary OD cover that offers coverage from one month to a couple of months. You can also opt for a long-term comprehensive bundled plan that can be bought for up to 3 years*.

What is IDV in Car Insurance?

IDV in standalone OD car insurance refers to the maximum value your car can be insured for. It is usually derived from the current market price of the vehicle. Suppose your insured car is stolen or damaged beyond repair. In this case, you will receive a settlement amount equal to the decided IDV after subtracting the depreciation value. Moreover, the IDV of your car is directly linked to the premiums of own-damage car insurance. The higher the IDV, the higher your premium amount will be.

Should I purchase own-damage car insurance online?

Yes. Purchasing own-damage car insurance online will help you avail yourself of up to 90%* discounts. This can help you reduce your premiums to a great extent.

How can I reduce the premiums of my own-damage car insurance plan?

The best way to reduce your car insurance premiums is to select higher deductibles. You can also buy your plan online to take advantage of exclusive discounts and rewards.

Does my own-damage car insurance policy cover damages during transit via road?

Yes. Our own-damage car insurance plans cover damages resulting from the transit of an insured car via road, rail, air or lift.

What are the best add-ons for IndusInd Own-Damage car insurance?

Zero Depreciation Cover, Engine Protection Cover, Key Replacement Cover and Return-to-Invoice Cover are some of the highly recommended car insurance add-ons with our own-damage plan.