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What is Own Damage Car Insurance?

As the name suggests, an Own Damage car insurance is a policy that specifically covers for your own car’s damages and losses. This includes damages and losses caused due to accidents and collisions, natural calamities, fires, and thefts.

Why OD Car Insurance was introduced - Since September 2019, an Own Damages cover is no longer only a part of a Comprehensive Car Insurance but, can also be bought as a standalone policy. Of course, this is only applicable if you already have a Third-Party Car Insurance in place.

The whole point of introducing such a plan is, that many of you’ll may already have a Third-Party Policy and have only now come to realize that you’d like to protect your own car from damages too. That’s where an Own Damage car insurance will ensure that your own car is protected too! So, no need to wait for your renewal to upgrade to a Comprehensive Car Insurance, instead just buy a standalone Own Damages Cover now.

How it works - Let’s take an example to understand this better. Say, you’ve recently bought your new Toyota Etios and while you were at the showroom itself, the dealer sold you a three-years bundle third-party policy for your Toyota Etios. Now, it’s only a year later you realize that apart from third-party liabilities, you’d like to protect your own car from damages and losses too.

In this case, instead of waiting for your renewal date to upgrade your plan, or buying a Comprehensive Car Insurance, you can just get yourself an Own Damage car insurance policy, and that will do the job for the time being. 

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Who should get an Own Damage Car Insurance?

  • If you’ve recently already bought only a Third-Party Car Insurance from Digit, you can now also get a standalone Own Damage cover to protect your own car from damages and losses too.
  • If you’ve recently already bought a car, and consequently got a Third-Party car insurance from another insurer, you can then choose to buy your standalone Own Damages cover from Digit too. This will include coverage for your car from accidents, natural calamities, thefts, et al while you can also opt for add-on covers to extent the scope of your coverage. 

What is Covered in OD Car Insurance by Digit?

Damages to your car in an accident

Damages to your car in an accident

Covers for the damages caused to your car in case of an accident or collision.

Theft of your car

Theft of your car

Will compensate for you in case your car is unfortunately stolen.

Losses caused to your car in a fire

Losses caused to your car in a fire

In case there’s a fire and your car is damaged due to the same. Your own damage cover will cover for it.

Damages to your car due to a natural calamity

Damages to your car due to a natural calamity

No one can stop nature’s many furies but in case your car is damaged due to it, we will be your one-stop for damage control.

Add-ons with OD Car Insurance

Zero Depreciation Cover

A must-have for cars less than 5-years, this cover helps you avoid your car’s depreciation during claims, i.e you get more during claims! 

Engine and Gearbox Protection Cover

Protect your engine and gearbox regardless of whether you’ve had an accident or not. With this add on, your engine and gearbox will always be in good hands! 

Tyre Protect Cover

Tyres are one of the most important parts of any car! Hence, with this add-on you can protect it no matter what situation you are in.

Breakdown Assistance

Get help when you’re stuck midway, whenever you need it with this addon!

Consumable Cover

Cover for all the nitty-gritties like engine oils, screws, nuts, bolts, grease, et al. 

Passenger Cover

While you and your car are covered in this policy, you can also add a cover to cover for people who drive with you.

Return to Invoice Cover

Another must-have cover for new cars. This add-on keeps your car as good as new. This means, in case your car is stolen or damaged beyond repair, having this add-on ensures you receive compensation based on the its last invoice value! 

What’s not covered?

While an Own Damage cover is great for your car’s protection, here are few exceptions.

Third-Party Liabilities

This is a standalone Own Damage Cover policy. Therefore, your third-party liabilities won’t be included in this. Your third-party car insurance will instead take care of the same. 

Driving Drunk

This goes against the law, therefore claims won’t be covered if you were driving under the influence of alcohol. 

Driving without a Licence

As a standard rule, no car insurance can accept claims if the said person is driving illegally. Therefore, claims can only be made if you were rightly driving with a valid driver’s licence.

Add-Ons Not Bought

This is pretty obvious, isn’t it? If you haven't bought specific add-ons, you won’t be able to benefit from them. For example, without opting for a tyre protect cover- your tyre will only be protected during accidents and not beyond that. 

Consequential Damages

Consequential damages refer to damages that take place after an accident. Unfortunately, those won’t be covered unless the damage has happened during the accident itself.

Contributory Negligence

In simple terms, this means your car won’t be covered if you’ve done something you weren’t supposed to do. For example; if your city was already flooded and you still took your car out. 

Driving without a Licence Holder

As per the law, if you only have a learner’s licence, you need to have someone with a permanent driver’s licence beside you. If that’s not the case, your car won’t be covered.

Why should you buy OD Car Insurance by Digit?

We treat our customers like VIPs, know how…

Super-Fast claims

We've settled 96% of all claims for private cars!

Cashless Repairs

1400+ Cashless Network Garages for you to choose from across India

Doorstep Pickup & Repair

Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

24*7 Support

24*7 call facility even on National Holidays

Smartphone-enabled Self Inspection

Just click the damages on your phone and you are done

High IDV per rupee

With us, you can customize your IDV as per your choice!

How to file an Own Damage Car Insurance Claim?

After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

Own Damage Car Insurance Premium

Factors Affecting your OD Car Insurance Premium

In an Own Damages cover, your car premium is mainly calculated by your car’s cc and your car’s IDV. Apart from that, the following factors too are considered while calculating your Own Damages cover premium: 


As mentioned above, one of the main factors of your OD premium is the current market value of your car, i.e your car’s insured declared value. 

Car’s cc

Your car’s cc is nothing but your engine’s cubic capacity that directly affects the speed of your car. Therefore, the higher your cc- the higher will be the risk and consequently, your OD premium.

Car Make & Model

The type of your car too matters in calculating your OD premium. The more high-end your car is, the higher would be its OD premium too.

Age of the Car

Cars too lose their value over time. Therefore, the age of your car is crucial in determining your OD premium. The older it is, the cheaper will be your OD premium.

Your NCB

If you’ve had an Own Damage cover earlier, and have made no claims yet, you will have a % of No Claim Bonus you can benefit from, to reduce your OD premium.

Add-ons Opted

Every add-on cover comes with a price. Therefore, the number and type of add-ons you opt for will directly affect your OD premium as well.

Compare: Third Party, Own Damage & Comprehensive Car Insurance

Third-Party Car Insurance

Own Damages Car Insurance

Comprehensive Car Insurance

A Third-Party Car Insurance is the most basic type of car insurance policy, that covers for only third-party liabilities; such as damages to a third-party property, person or vehicle.

An Own Damages is a new, standalone policy that only covers for damages and losses to one’s own car.

A comprehensive car insurance is a complete package policy that covers for both third-party liabilities and own damages, both under one policy.

It is mandatory by law to at least have a third-party car insurance.

It is not mandatory to have an own damage car insurance.

It is not mandatory to buy a comprehensive car insurance policy.

Every car is eligible for a third-party insurance.

Any car that already has a valid third-party car insurance can also buy an own damage cover to protect their own car as well. Without a valid third-party car insurance, you can’t buy an OD policy.

Any car that doesn’t already have a Third-Party Car Insurance can buy a Comprehensive Car Insurance Policy.

No Add-Ons Available

Add-Ons Available

Add-Ons Available

FAQs about Own Damage Car Insurance