Standalone OD Car Insurance Policy

9000+ Cashless
Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
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9000+ Cashless
Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
I agree to the Terms & Conditions
If you want to secure your car and yourself against unforeseen damage, loss or injuries, opt for a Standalone Own Damage car insurance policy by Digit that offers added protection beyond third-party liabilities.
With Digit, you enjoy the convenience of instant online buying or renewal of OD car insurance policy and can drive with peace of mind. You can also customize your coverage with car insurance add-ons for enhanced protection. Don’t let accidents set you back—insure your car with OD plan today!
Standalone Own Damage car insurance is a type of car insurance policy that is designed to specifically cover your own car’s damages and losses. This includes damages and losses caused due to accidents and collisions, natural calamities, fires, theft or any other unforeseen incident.
It is an affordable car insurance policy that offers additional coverage than the third-party car insurance policy. Though it is optional to buy OD car insurance in India, car owners can purchase OD policy only along with a third-party liability car insurance. Additionally, a person already having third-party car insurance can also buy an OD car insurance plan to cover their own car.
Since September 2019, an Own Damage cover is no longer only a part of Comprehensive Car Insurance, but, can also be bought as a standalone policy. However, this is only applicable if you already have Third-Party Car Insurance in place.
The motive behind introducing such a plan was that though many people already had a Third-Party Policy in place, it did not cover one’s own damages and injuries, which was a major issue. So, Own Damage (OD) car insurance was introduced as a result, to provide additional protection to your own car from damage.
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 damage and losses too.
In this case, instead of waiting for your renewal date to upgrade your plan, or buying Comprehensive Car Insurance, you can just get yourself a private car Standalone Own Damage policy, and that will do the job as well. Also, you can get add-ons with it to protect yourself against damage that is not covered under the Standalone OD car insurance policy.
1.2 Crore+
Policies Sold
75 Lacs+
Cars Insured
8 Lacs+
Claims Settled
3000 Crore+
Paid-in Claims
96% Claims Settled
FY'25
9000+
Cashless Garages
Disclaimer: "The total no of claims settled since inception till 31st December 2024" Disclaimer: "The total no of unique private car vehicles insured since inception till 31st December 2024" Disclaimer: "The total amount of claims paid since inception till 31st December 2024" Disclaimer: This Claim Settlement Ratio is calculated for Overall Motor line of business of Digit. CSR Is calculated for FY'25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End) |"Disclaimer: The total count of network garages as of 31st December 2024"
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
4.7/5
(250K + Customer Ratings)
Standalone OD in car insurance offers several key benefits to car owners such as:
OD car insurance covers the damage suffered by the insured car, implying that this cover will pay for the repair costs if your car is damaged or lost due to natural calamities, theft, fire, and accidents.
The OD cover for car also allows you to purchase add-ons like zero dep, engine and gearbox protect, personal accident cover, etc., to enhance your and your car’s protection.
With Own Damage car insurance, you can enjoy the benefits of NCB, which rewards you for your safe driving by giving you a discount on car insurance own damage premium for the previous claim-free years.
If you’re looking for an affordable insurance plan to protect you and your car, OD car insurance is the most suitable. It also offers you the freedom to choose a policy term that suits your needs, with options for annual or multi-year coverage.
While Own Damage insurance for cars is great for your car’s protection, here are a few exceptions.
Add-ons which you can buy with your car OD insurance policy at Digit are:
We treat our customers like VIPs, know how…
Here’s the difference between third-party, comprehensive, and own damage car insurance policy in India:
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your car |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
While buying a new car insurance policy online from Digit, you don’t need a load of documents or paperwork. By having the following documents handy, you can easily buy a new car insurance policy within minutes:
Car Registration Certificate
Previous year car insurance policy
Aadhaar Card
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the car.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
To download your renewed or already active car insurance policy with Digit, follow the given steps:
Login to Your Acount
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Get cashless repairs at 9000+ garages across India
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
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In H2 FY25, our average car repair approval time was 14 hours and 46 minutes, with 67% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your car is back on the road as swiftly as possible!
The below data is for all the products as given in the table below.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
People who have only a Third-Party Car Insurance can get a standalone Own Damage cover to protect their own car from damage and losses too.
If you are a new car owner, the best decision is to protect your brand-new from damage and losses by getting your own damage insurance for car, as it will help you financially when getting car parts repaired or replaced.
If you have just learnt how to drive a car, hitting the roads can seem frightening due to lack of driving experience. However, with an OD car insurance plan you can keep yourself and your car secure in unfortunate incidents.
Getting your luxury car’s parts repaired or replaced in case of any damage or loss can affect your pocket heavily. This is why expensive and luxury car owners must have OD car insurance to cover their own damage.
Driving in congested or bigger cities with high traffic and higher accident rates always has its own set of risks. Therefore, it is better to ensure your car’s safety first by securing it with your Own Damage car insurance.
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
The car insurance own damage premium is slightly higher than third-party liability plan but lower than comprehensive car insurance, and it depends on various factors.
However, here’s how to calculate the OD premium for car:
IDV X [Premium Rate (decided by insurer)] + [Add-Ons (e.g. bonus coverage)] – [Discount & benefits (no claim bonus, theft discount, etc.)]
In an Own Damage cover, your car premium is calculated depending on various factors, which are discussed below:
Increase Voluntary Deductibles - In an OD cover, there’s something known as ‘Voluntary Deductibles’, which refers to the amount of money you choose to pay during claims. Therefore, based on your feasibility you can increase the percentage of your voluntary deductible, which will directly reduce your OD premium.
Declare Correct IDV - With Digit, you are given the option to customize your IDV yourself. Therefore, make sure your IDV is always right since this will affect both your OD premium and your claim amounts too during claim settlements.
Don’t Forget to Transfer your NCB - If you’ve had an Own Damage or Comprehensive Car Insurance policy before, ensure you transfer your NCB to your current policy, to get your accumulated discount.