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Ankit Parekh
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A seasoned insurance professional with 22 years extensive experience in motor underwriting. Having experties in Risk Management, policy development, contributing to sustainable growth and profitability. Known for analytical acumen and customer focused approach.
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 Reliance 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 Reliance General Insurance, you can get an own-damage car insurance plan separately or bundled with third-party car insurance.We also offer options to increase coverage through our 13+ add-ons (and 3 EV add-ons), cashless claims at over 11,000+ network garages, and quick online processes for claims and renewals.
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.
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.
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.
With Reliance own Damage Car Insurance, you get access to 13+ add-ons* like engine protection, nil depreciation, return-to-invoice, etc, along with 3 EV-specific add-ons*.
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.
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 with coverage up to ₹15 lakh* to cover medical expenses for injuries caused by road accidents.
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.
Being an online car insurance plan, Reliance own damage car insurance offers standout features like higher discounts, paperless processes, and 24/7 access to all our services.
Note: #Policy details taken from Reliance Private Car Policy Stand Alone Own Damage, UIN: IRDAN103RPMT0004V03202425. Your individual coverage limits and amounts will vary based on the plan options you've chosen.
Note: For the complete list of Inclusions and Exclusions, please refer to the policy wording
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.
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.
Money Saver
Save on premiums by paying based on actual kilometers 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, also known as bumper to bumper, add-on ensures you receive the full claim amount for replacing parts like plastic, rubber, and fiber without deductions for depreciation. This is a must-have for new or high-value cars.
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.
Extra Car Protection
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.
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.
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.
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.
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.
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 Reliance Self-i App for assistance.
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.
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.
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 Car 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.
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.
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.
Your discount for no claim bonus in car insurance 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.
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.
Customisations such as alloy wheels, decorative fittings, seat covers or bumper guards are not included in regular insurance. This add-on covers their repair or replacement if damaged in an accident, keeping your personalised fittings secure.
Adventure & Travel
Planning a road trip to Nepal, Bhutan or Srilanka? This add-on extends your policy coverage to India’s 6 select neighbouring countries*. With this add-on, you can ensure that your car is protected during your most-awaited international trip.
At Reliance General Insurance, you can easily buy and renew your OD car insurance plan either through our website or via the Self-i app. All you need to do is enter your name, mobile number, and car registration number on the form at the top to get started. Then, once you've decided on a car insurance policy, complete the KYC process, pay online and get your policy instantly via email.Renewals are even quicker - Just enter your policy number, click renew and pay! You can also do this on our app by tapping on 'InstaRenew".
You easily check your premiums by entering your car information below.
Enter your car details such as your car RC number and click “View Prices”.
The calculator will display your premium rate instantly.
Reliance Standalone Own Damage Insurance is an affordable way to protect your car starting at just ₹238 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 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 13+ 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 Reliance General Insurance, you get comprehensive car insurance coverage that fits your budget.
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.
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*.
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.
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.
Our standalone own-damage car insurance is ideal for existing third-party car insurance holders, temporary car insurance seekers and budget-conscious customers.
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.
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.
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.
Yes. Our short-term own-damage car insurance can be purchased for any duration, ranging from a single day to a few months.
Yes. Our own-damage car insurance plans cover damages resulting from the transit of an insured car via road, rail, air or lift.
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.
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.
March - 2025, MEDAK
January - 2025, Varkala
February - 2025, Khammam
December - 2024, Mohannagar
January - 2025, Nellore
March - 2025, Patna
December - 2024, Nizamabad
February - 2025, DAVANGARE
*T&C apply. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Discount is applicable on Own Damage premium. Discount mentioned or specified are based on Vehicle category, Loyality , Parking & Driving experience. Policy will be issued / renewed only if TP policy is force. Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)
#The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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