Ans: The main point of difference between an own damage cover and comprehensive car insurance is the coverage and premium they carry. An own damage car insurance only covers the insured car from unforeseen road incidents. On the other hand, comprehensive car insurance covers both own damages sustained by the car and third-party liabilities as well.
Moreover, due to the scope of coverage offered, the premium of an OD cover is comparatively less than that of a comprehensive car insurance policy.