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Shriram Standalone Own Damage Car Insurance
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Navi car insurance, which protects car owners and their vehicles against unforeseen circumstances, comes in several variants including a standalone four-wheeler insurance policy. The Navi standalone four-wheeler insurance policy covers car damages caused due to a wide range of events, including natural and man-made disasters, fire, theft, and vandalism. In addition to coverage, own-damage insurance lets you add on extras like roadside assistance and zero depreciation. These add-on covers allow you to increase your car insurance coverage for a small additional fee. For total protection, this Navi car insurance policy is advised to be purchased in conjunction with third-party insurance.
How does Navi Standalone Car Insurance Work?
Navi standalone car insurance works by covering you for the damages caused to your vehicle due to man-made or natural disasters. Besides, the cover also comes into play in case of a total loss due to theft or damage beyond repair.
Navi Standalone Car Insurance vs Third Party Car Insurance vs Comprehensive Car Insurance
| Basis | Navi Standalone Car Insurance | Navi Third-Party Car Insurance | Navi Comprehensive Car Insurance |
| Coverage | Navi standalone own-damage four-wheeler insurance protects your vehicle from damages caused by accidents, theft, fire, natural catastrophes, and man-made disasters. Insurers also provide NCB to policyholders who do not file a claim in a policy year. | Navi third-party car insurance is meant to cover any financial obligations you may have to a third party for injuries, disability, death, or property damage caused by accidents with your covered vehicle. | Under a single price, Navi comprehensive Car insurance covers expenditures arising from third-party liability and own-damage costs. The complete insurance includes a personal accident policy that covers policyholders for injuries, impairments, and death caused by an accident. |
| Cost | Due to its expanded policy coverage, Navi's four-wheeler stand-alone insurance is more expensive than third-party coverage. | Because of its restricted coverage, Navi's third-party insurance is reasonably priced. | The most expensive auto insurance policy offered by Navi is comprehensive car insurance, which covers third-party liabilities as well as own-damage expenditures. |
| Add-ons | Navi standalone car insurance offers a variety of add-on coverage choices for a fee. | Add-on coverage is not available with Navi third-party auto insurance.
| Navi comprehensive vehicle insurance offers a wide choice of add-ons to supplement your policy coverage for an additional fee. |
What All is Covered Under Navi Standalone Car Insurance Plan?
The following conditions are covered by Navi's standalone own-damage car insurance:
- Loss of the vehicle due to theft.
- Accident-related damages to the vehicle.
- Vehicle damage sustained during transportation.
- Natural or man-made disasters causing damage.
What All is not Included Under Navi Standalone Car Insurance?
The following circumstances are not covered by Navi's standalone own-damage car insurance:
- The insured car's depreciated value
- Damages outside of the geographical area
- Electrical or mechanical faults causing a breakdown.
- Accidents occurred as a result of unauthorized driving.
Navi Standalone Car Insurance Benefits
Policyholders with Navi's standalone own-damage automobile insurance receive the following benefits:
- Coverage for the insured vehicle's own damages.
- Policyholders will be able to purchase add-on covers to supplement their existing coverage.
- Policyholders receive a no claim bonus (NCB) for each year without a claim.
- Return to invoice coverage.
- Passenger coverage.
- Tyre protect coverage.
- Breakdown assistance.
- Consumable coverage.
- Engine and gearbox protection coverage.
Navi Standalone Insurance Review
The reviews for the Navi four-wheeler standalone insurance are shown below.
- Easy to purchase.
- Reasonable premium rates.
- Add-ons are available.
- Good claim settlement ratio.
- Emergency help is also provided in Navi standalone four-wheeler Insurance
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Navi Standalone Car Insurance FAQs
1. What is a standalone Navi insurance policy?
As the name implies, Navi standalone own-damage car insurance is a policy that covers only your own vehicle's damages and losses resulting from crashes, natural disasters, fires and thefts.
2. Is it possible to switch to Navi General Insurance and keep my NCB earned with the previous insurer?
Yes, you may transfer your NCB to Navi General Insurance without losing it.
3. How is the cost of my Navi vehicle insurance determined?
The premium you pay will be determined by elements like the type of automobile you own, its insured declared worth, where you live, add-on coverage you want, NCBs (if applicable), coverage quantity, etc.
4. How can I acquire a Navi standalone car insurance policy?
Navi General Insurance offers standalone car insurance that you can acquire by downloading their app and applying online.
5. How do I claim Navi car insurance online?
To file a claim for Navi car insurance online, go to the main website and fill out the form.