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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.

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

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Coverage Under National Insurance Standalone Own Damage Car Insurance

Inclusions
Exclusions

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 own damage insurance
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 National own damage car insurance can be enhanced by purchasing additional covers for an extra premium. They are as follows:

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 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 your insurance company and raise a claim request. The insurer will send a surveyor and ask for some documents for claim verification. You can easily file a claim against your car insurance online. Here are the documents required:

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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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