Difference Between Own Damage and Comprehensive Car Insurance


When it comes to insuring your vehicle, navigating through the labyrinth of insurance policies can be bewildering. Two terms that often leave individuals scratching their heads are “Own Damage” and “Comprehensive Car Insurance.” While they might sound similar, these insurance types serve distinct purposes and offer varying degrees of coverage. In this comprehensive guide, we’ll delve into the nitty-gritty details of Own Damage and Comprehensive Car Insurance, shedding light on their differences, advantages, and situations where each type shines.

Unpacking Own Damage Insurance

What is Own Damage Insurance?

Own Damage Insurance, often referred to as OD Insurance, is the most fundamental form of car insurance. This policy primarily covers damages caused to your own vehicle due to accidents, theft, or natural calamities. It’s essentially your car’s bodyguard, ensuring that you won’t be left in the lurch when mishaps occur.

Key Features of Own Damage Insurance

  • Protection from Accidents: OD Insurance covers repair costs for damages resulting from accidents, collisions, or crashes.
  • Theft Protection: If your vehicle gets stolen, Own Damage Insurance can reimburse you for its current market value.
  • Natural Disaster Coverage: This policy also safeguards against damages caused by natural disasters like floods, earthquakes, and storms.
  • Fire and Vandalism: It extends coverage to fire-related damages and vandalism.

Unveiling Comprehensive Car Insurance

What is Comprehensive Car Insurance?

Comprehensive Car Insurance, often known as Comp Insurance, is a more holistic option. It goes beyond just protecting your own vehicle and encompasses a broader spectrum of coverage.

Key Features of Comprehensive Car Insurance

  • Third-Party Liability: In addition to covering Own Damage, Comprehensive Car Insurance includes third-party liability coverage. This means it pays for damages to other vehicles and property if you are at fault in an accident.
  • Coverage for Personal Injury: It extends coverage to personal injury expenses for both you and the third party involved.
  • Windscreen Damage: Comprehensive Car Insurance often covers windscreen damage, a feature not typically included in Own Damage policies.
  • Add-Ons and Customization: You can often customize your policy with add-ons like zero depreciation cover, engine protection, and more.

Comparing Own Damage and Comprehensive Car Insurance

Which One Should You Choose?

Now that we’ve dissected both insurance types, let’s compare them to help you make an informed decision.

Own Damage Insurance: The Pros

  • Cost-Effective: Own Damage Insurance premiums are usually lower compared to Comprehensive Car Insurance.
  • Ideal for Older Cars: If you have an older vehicle with a lower market value, OD Insurance might suffice.

Comprehensive Car Insurance: The Pros

  • Extensive Coverage: Comp Insurance provides a broader safety net, including third-party liability.
  • Peace of Mind: It offers comprehensive protection, leaving you worry-free in various situations.
  • New and High-Value Cars: For brand new or high-value cars, Comprehensive Car Insurance is often recommended to safeguard your significant investment.


In the battle of Own Damage vs. Comprehensive Car Insurance, there’s no one-size-fits-all answer. Your choice should align with your vehicle’s value, your budget, and your appetite for risk. If you’re driving an older car and want to save on premiums, Own Damage Insurance may suffice. However, for newer or higher-value vehicles, the comprehensive coverage of Comprehensive Car Insurance is a safer bet.

Now that you understand the fundamental differences between these insurance types, you can make an educated choice and hit the road with confidence.

Frequently Asked Questions (FAQs)

  1. Do I need both Own Damage and Comprehensive Car Insurance?

    It depends on your vehicle’s value and your risk tolerance. For newer cars, having Comprehensive Car Insurance is often advisable. Older vehicles may be adequately protected with Own Damage Insurance alone.

  2. Can I add extra coverage to my Own Damage policy?

    Yes, some insurers offer add-ons like engine protection and zero depreciation cover that you can include with your Own Damage Insurance.

  3. What is third-party liability coverage in Comprehensive Car Insurance?

    Third-party liability coverage pays for damages to other vehicles and property if you are at fault in an accident. It’s a crucial component of Comprehensive Car Insurance.

  4. Is Comprehensive Car Insurance more expensive than Own Damage Insurance?

    Generally, yes. Comprehensive Car Insurance premiums are higher due to the broader coverage it offers.

  5. Can I switch between these insurance types later?

    Yes, you can usually switch between Own Damage and Comprehensive Car Insurance when you renew your policy. Just be sure to consider your vehicle’s current circumstances and your coverage needs.

Remember, choosing the right insurance is a critical decision for your peace of mind on the road. Evaluate your options carefully and consult with insurance experts if needed. Safeguarding your vehicle is not just a legal requirement; it’s an investment in your security.

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