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Comprehensive motor insurance A comprehensive vehicle insurance policy provides coverage against third-party legal liabilities as well as losses or damages to the insured vehicle during an accident or mishap. It covers the vehicle against natural and man-made disasters, including road accidents, fire, theft, earthquake, storm, flood, etc. Standalone OD cover Introduced by the IRDAI, the standalone Own Damage (OD) cover policies allow vehicle owners to get coverage against the losses or damages caused to their vehicles due to natural or man-made disasters. This type of policy can be purchased by those who already have a third-party cover from a different or the same insurer. Third-party motor insurance Third-party motor insurance is mandatory in India as per the law. It protects the policyholder against legal liabilities arising due to an accident involving his/her vehicle. It means that in case an insured vehicle causes bodily injuries, death, or property damage to a third party, the insurer will take care of the legal liability. Personal accident cover A Personal Accident (PA) cover of ₹15 lakh will be available for the registered owner-driver of the insured vehicle and an optional PA cover of ₹2 lakh will be available for co-passengers at an extra premium. Loss or damage against man-made disasters Losses or damages to your insured vehicle caused due to man-made disasters including theft, fire, riot, strike, road accident, terrorist activity, and any damage caused during transit by road, rail, inland waterway, lift, elevator or air will be covered by us. Third-party legal liability We protect against legal liabilities arising due to an accident involving your vehicle, resulting in bodily injuries, death, or property damage to a third party.