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Car Own Damage Insurance

Car Own Damage Insurance is a type of car insurance policy that provides coverage for damages to your own vehicle. Unlike third-party car insurance, which covers damages to third-party vehicles or property, Car Own Damage Insurance focuses on protecting your own car from various risks and perils.

An Own Damage (OD) policy helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. In case of an accident, an own damage cover compensates you for the expenses incurred to repair or replace parts of your car damaged in the accident.

For example, accidents are a common occurrence in areas where vehicles are driven at high speeds or on roads that are heavily populated with vehicles. If you're ever caught in an unfortunate incident where your car is damaged because you were in the middle of a traffic-heavy highway, then you're eligible to be reimbursed for expenses you incur for repairing your car.

What are the
Benefits of Car Own Damage Insurance?

Key Features	Benefits by Reliance General
Cashless Repairs	8,500+ Cashless Garages^#
No Claim Bonus	Get upto 50% Discount
Claim Process	Online via Smartphone in 5 minutes
Add-ons	Available
Voluntary Deductible	Available
Paperwork	Zero, Online Process

What Does Car Own Damage
Insurance Policy Cover?

This policy covers the cost of damages to your car due to:

- Natural calamities like floods, lightening, earthquake, fire and more
- Theft or malicious acts
- Self-Ignition, explosion and more
- Man-made calamities like inundation, vandalism, riots and terror attacks
- Damage to your car or the belongings in the car in case of an accident
- Transit by rail, road, air & elevator

What does Car Own Damage
Insurance Policy Not Cover?

When opting for an own damage car insurance policy, you must be aware of what benefits you're missing out on. Let's take a look at what this policy does Not Cover:

- Damages to a third party vehicle
- Damage caused to a third party property
- Injuries caused to other people in an accident
- General wear-and-tear of the car
- Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose
- Mechanical and electrical breakdown
- Damage to/by person driving without a valid driving licence
- Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
- Loss or damage due to depreciation of the car's value
- Loss or damage due to war or nuclear risks
- Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our car insurance

Add-On Covers for
Car Own Damage Insurance

At Reliance General Insurance, we want to make sure our car insurance holders can secure the best possible protection for themselves. So choose wisely and secure your car with our assortment of add-on covers for car insurance.

Motor Secure Plus Cover

For superior risk coverage, we have compiled a mix of add-on covers in a single package. The Motor Secure Plus Cover includes:

Nil Depreciation Cover
Consumables Cover
Engine Protector Cover

Note that automobile insurance coverage is available only for the claims intimated within 7 days of the loss or damage.

Motor Secure Premium Cover

The Motor Secure Premium Cover encapsulates all of the crucial risk factors to offer a comprehensive coverage in a single package. The Motor Secure Premium Cover includes:

Nil Depreciation Cover
Engine Protector Cover
Consumables Cover
Key Protect Cover - Private Cars

Nil Depreciation Cover

Depreciation reduces the value of your cover drastically. This add-on cover compensates for the depreciating value of your car. Opt for this and you will not have to bear the losses incurred due to depreciation on all parts except the tyres and tubes. This add-on cover is applicable to the following conditions:

This add-on covers private cars, with a maximum of two claims in one vehicle insurance policy period
In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops
Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

Nil Depreciation, UIN: IRDAN103RP0001V01201920/A0013V01201920

NCB Retention Cover

No claim bonus (NCB) is a discount given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on own damage premium. This is simply a general insurance company's way of rewarding the customer for his/her good driving behavior.

• NCB retention cover is a great way to ensure that your safe driving and hard-earned bonus stay protected even if you make a claim. Let’s understand it with two examples. Suppose you did not make any own damage claim at the end of 12 months of the policy. In this case, the insurance company will offer you an NCB discount on car insurance premium when you renew your policy. Now suppose you had an NCB bonus of 45% and you make a claim, the NCB will be impacted and reduced to 0% in the coming year. To safeguard your NCB after such a scenario, an NCB Retention Cover comes in handy. This add-on cover protects the NCB discounts in case the insured makes an Own Damage claim.

Below mentioned are the features of the NCB Retention Cover*

Applicable for 1 OD claim
Renewal of policy with RGI ≤ 90 days of the expiry of the policy
Claim amount should not be >25% of IDV as mentioned in the policy schedule.

*Subject otherwise to the terms, exceptions, conditions, and limitations of the Policy. NCB Retention Cover, UIN: IRDAN103RP0001V01201920/A0008V01201920

Consumables Cover

Sometimes, a bunch of seemingly insignificant expenses can create a big dent in your pocket. This add-on covers all expenses incurred on consumable items in case they are damaged due to perils covered in our policy. Covered consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil. This add-on cover is applicable to the following conditions:

This add-on covers private cars, with a maximum of two claims in one motor policy period.
In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.

Consumables Cover, UIN: IRDAN103RP0001V01201920/A0005V01201920

Engine Protector Cover

An engine is the heart and soul of your car. This add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to:

Engine Parts
Differential Parts
Gear Box Parts

Engine Cover, UIN: IRDAN103RP0001V01201920/A0011V01201920

Key Protect Cover

Let's be honest, we have all misplaced or lost our home/vehicle keys at some point in our lives. While we cannot find your keys for you, we can certainly cover the expenses you incur while repairing or replacing your car keys and/or locks and/or lockset. Here are some more details about the Key Protect Cover:

The coverage will be available only for a maximum of two claims during your motor insurance policy period.
A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.
The replaced keys/lock/lockset is of the same nature and kind as the one for which the claim has been made.
The loss or damage to the keys/lock/lockset is reported to us within 7 days of the loss or damage.
Replacement of key(s) will be allowed for broken or damaged keys only.
In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.

Key Protect Cover UIN: IRDAN103RP0001V01201920/A0012V01201920

Daily Allowance Benefit

We can't deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorised network garage for more than 3 days for repairs. Benefits of this add-on are:

Option to choose days and amount
Allowance limit Rs.5000/- per day (limit can be increased further for private car)
Lumpsum theft benefit if vehicle is not recovered ≤ 90 days
2 claims applicable

Daily Allowance Benefit, UIN: IRDAN103RP0001V01201920/A0010V01201920

EMI Protection

We are concerned about financial impact of an accident. We cover up to 3 EMIs of your insured vehicle if it is in the insurer's authorised network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions:

Vehicle is in repair, vehicle loan EMIs will gets paid
Payment directly made to financial institution
Up to maximum 3 EMI shall be payable
Triggers if repair time > 30 days
Applicable only for partial claims

EMI Protection, UIN: IRDAN103RP0001V01201920/A0014V01201920

Make Your Car Insurance
Premium More Affordable with Our Special Discounts

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis:

No. of Years	Discount
One claim-free year	20%
Two consecutive claim-free years	25%
Three consecutive claim-free years	35%
Four consecutive claim-free years	45%
Five consecutive claim-free years	50%

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the deductible amount, the lower is your auto insurance premium.

Please refer to the below table for the applicable Voluntary Deductible-

Voluntary Deductible	Discount
Rs 2500	20% on the OD premium of the vehicle, subject to a maximum of Rs 750/-
Rs 5000	25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-
Rs 7500	30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-
Rs 15000	35% on the OD premium of the vehicle, subject to a maximum of Rs 2500/-

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