Shriram Standalone Own Damage Car Insurance

Starting at only ₹6 per Day*

Car Insurance banner image
Enter your details to buy Car Insurance
By proceeding you agree to Terms & Conditions
Proceed without car number
  • compare buy
    Compare and buy at best price
  • instant policy
    Instant Policy Issuance
  • no unwanted calls
    No unwanted calls. We promise!

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

BasisNavi Standalone Car InsuranceNavi Third-Party Car InsuranceNavi Comprehensive Car Insurance
CoverageNavi 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.
CostDue 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-onsNavi 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

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.

Recent Articles

View All

How to Check SBI General Insurance Claim Status?

Have you recently claimed your SBI car insurance policy? If so, you may be wondering how to check the status o...

Read More

A Guide to Checking HDFC ERGO Car Insurance Claim Status

HDFC ERGO General Insurance Company offers various ways to check comprehensive, third-party, or own-damage car...

Read More

Convert Your Third Party Car Insurance to Comprehensive Car ...

The comprehensive car insurance policy offers better risk coverage on the road than third-party car insurance....

Read More

Permissible Car Insurance Claims in a Year

In India, having a valid car insurance coverage is obligatory by law. This implies that anybody who owns an au...

Read More

Top 10 Most Expensive Cars in India - Prices, Mileage, Specs...

In a way, the most expensive cars are more than just cars; they are a statement of excellence in all aspects. ...

Read More

A Guide to Buy the Best CSD Car In 2022

If you have been planning to buy a CSD car in India, read on to know the prices of all the models in the categ...

Read More

A Complete Guide to Different Bharti AXA Car Insurance Plans

One of the leading players in the Indian insurance marketplace, Bharti AXA has a lot to offer when it comes to...

Read More

Mistakes to Avoid While Renewing Shriram Car Insurance Polic...

Shriram General Insurance, undoubtedly, offers best car insurance policies with attractive renewal features. B...

Read More

The Meaning, Workings, and Benefits of Pay as You Drive Car ...

The benefits of 'Pay as You Drive Car Insurance' are numerous. This article aims to provide you with an unders...

Read More