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Liberty Standalone Own-Damage Car Insurance Policy

A standalone own-damage cover takes care of own-damages costs in case of an unfortunate event. This is one of the three types of car insurance that Liberty General Insurance offers its clients. The own-damage cover offers protection in several different scenarios including road accidents, theft, natural calamities, man-made disasters, explosion and vandalism. Moreover, in times of crisis, this type of compensation provides the insurance holder with financial stability. Hence, it is prudent to purchase a standalone own damage cover along with compulsory third party insurance.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


Liberty Third Party Insurance

Liberty Standalone Own-Damage

Liberty Comprehensive Insurance


Liberty third party car insurance provides coverage for third party liabilities in case of a mishap including bodily injuries, death and property damage.

Liberty standalone own-damage car insurance provides coverage for own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Plus, insurance providers give NCB for claim-free years.

Liberty comprehensive car insurance plans provide coverage for both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.


Liberty third party insurance does not offer add-on covers to insurance holders.

Liberty standalone own-damage insurance offers a number of add-on covers to insurance holders.

Liberty comprehensive insurance plans offer several add-on covers to insurance holders


Liberty third party car insurance is the cheapest policy and provides basic coverage.

Liberty standalone own-damage car insurance is more expensive than third party insurance but offers better coverage.

Liberty comprehensive car insurance plans are the most expensive but offer holistic coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under Liberty Standalone Own-Damage Policy?

The following are the aspects that are covered under a Liberty standalone own-damage cover:

  • Road accidents that damage the car significantly.
  • An explosion or a fire that causes damage to the insured car.
  • Theft or cases of total loss of the car.
  • Damages caused to the car due to a natural calamity or a manmade disaster, eg. Tsunami.

What is Not Covered Under Liberty Standalone Own-Damage Policy?

The following are the aspects that are not covered under a Liberty standalone own-damage cover:

  • If the car breaks down due to an electrical or mechanical failure.
  • Mishaps that involve illegal driving in any manner.
  • Depreciation of the car.
  • Mishaps that occur outside the geographical boundaries of India.

Benefits of Liberty Standalone Own-Damage Policy

Following are the benefits of purchasing standalone own-damage insurance from Liberty:

  • It offers protection against a wide range of scenarios such as road accidents, fires, theft, vandalism and other mishaps.
  • It offers policyholders No Claim Bonus for every claim-free year.
  • It offers policyholders the option of purchasing add-on covers to further enhance your policy available.

How To Purchase Liberty Standalone Own-Damage Policy?

Below-mentioned is the steps you need to take to purchase Liberty standalone own-damage car insurance:

Step 1: Visit our website InsuranceDekho and select the car insurance tab from the top left corner of the page. A drop-down menu will appear, select the ‘Standalone Own Damage’ option from the choices.

Step 2: Enter your car’s registration number. If you do not have this information for some reason, you can also enter its make, model and year of registration instead.

Step 3: Provide your personal details and after you enter all the required information select ‘Submit and Get Quotes’.

Step 4: Quotes for all the standalone own-damage policies from the different insurance providers will be visible on the screen. Select the offer by Liberty and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your chosen Liberty standalone own-damage car insurance policy and the policy document will be sent to your registered email ID.

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Liberty Standalone Own-Damage Car Insurance FAQs

  • What is Liberty General Own Damage insurance plan?

    With the help of an own damage insurance plan, an insured stays protected against damage/loss to their insured car in an accident or any other mishap such as theft, fire, natural calamity, etc.

  • How does the premium calculation happen for Liberty General Own Damage Car Insurance?

    The calculation of premium for Liberty General own damage insurance happens after taking into consideration various factors such as car make, car age, vehicle type, engine cc, geographical zone, etc.

  • What all is covered in Liberty General Own Damage Insurance Cover?

    Own damage insurance cover by Liberty General offers coverage for loss or damage to own car due to any accident or mishap like natural calamity, fire, etc and coverage for theft of own car.

  • What are the documents needed to file for Own damage car insurance claim?

    You need the following list of documents to register for own damage insurance claim:

    • Car Insurance Plan Copy
    • A copy of FIR Report
    • Car RC
    • Repair estimate
    • No Claim certificate
    • Photographs/and other accident proofs
    • Driving license
    • Other documents (if asked by the insurance company)
  • Is buying an Own Damage insurance mandatory in India?

    No, buying an own damage insurance is not compulsory. However, it is mandatory to buy a third party liability insurance as per the Indian Motor Tariff Act.

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