Accidental damages: An own damage cover protects your car from the damages caused due to an accident.
2. Lost/ Theft: The cover compensates you if the insured car gets stolen or you lost it due to burglary or any covered event.
3. Loss/ damage due to fire: OD insurance will cover car damages due to fire, lightning, explosion, etc.
4. Loss/ damage due to natural calamities: Damages caused by natural calamities like earthquakes, floods, hailstorms, etc., are covered.
5. Loss/ damage due to man-made disasters: Car damages due to man-made disasters like terrorist attacks, strikes, riots, etc., are covered.
6. The coverage of own damage insurance may differ from company to company. It is advised to read all the terms and conditions of the policy documents carefully.