Physical Damage Coverage Under Car Insurance: Types, Coverage & Significance


Physical damage, often known as damage insurance, is the kind of car insurance that covers damage to the covered vehicle by offering the policyholder financial assistance. It assists in gaining financial protection against unfavourable circumstances. 

Physical damage coverage allows policyholders to add protections like Zero Depreciation, Roadside assistance, Return to Invoice coverage, etc. Adding extra coverages aids in obtaining a good car insurance policy*. Find a good one by accessing car insurance online.

* Standard T&C Apply

The own damage portion of comprehensive car insurance coverage is comparable to physical damage insurance. Physical damage insurance protects a variety of events that could result in damage to the insured car, such as fire, theft, vandalism, and natural disasters.*

* Standard T&C Apply

What includes physical damage coverage?

A physical damage insurance policy’s coverages are instances in which the policyholder may make a claim. The following is a list of the physical damage cover’s coverages:

  1. Theft: Physical damage insurance may provide coverage for auto theft. Understanding different offers for car insurance online may help in finding a good deal.
  2. Natural disaster damage includes earthquakes, floods, hailstorms, cyclones, etc.
  3. Man-made calamities, such as rioting, vandalism, strikes, etc., are covered in terms of damage.
  4. Accidental damage: Accident-related losses are covered.
  5. Physical damage insurance might cover damages to the insured vehicle caused by fire, explosion, self-ignition, etc.
  6. Animal attack: An animal attack-related damage to the car is covered.

What does physical damage cover exclude? 

  1. Damage brought on by negligence.
  2. Trying to operate a damaged vehicle which can cause additional consequences or harm. 
  3. Damage results when a car is used in an illegal or criminal action.
  4. Driving without proper documentation can cause damage to vehicles.
  5. Damage that’s mechanical or electrical.
  6. Regular deterioration
  7. Damage caused outside of the nation’s borders.
  8. Damage brought on by a state of conflict.

Physical damage coverage types:

Multiple types of physical damage insurance are available:

  1. Complete protection: When choosing comprehensive car insurance, the policyholder has customization options. This sort of physical damage insurance includes own damage, which is physical damage to the covered car due to a variety of reasons, as well as the ability to add on valuable extras like-
  • No Impairment
  • Highway Assistance
  • Engine security
  • NCB safeguard Accessories Protection
  • Back to Invoice
  1. Conflict insurance: A collision cover provides financial protection against losses brought on by casualties, especially losses resulting from collisions that may or may not hamper the crisp process of car insurance renewal. Here are a few illustrations:
  • An automobile that loses control and strikes a poll.
  • A vehicle crashed into another during an accident.
  • Striking a pet.
  • Hitting a wall or a tree.
FeaturesComprehensive CoverCollision Cover
Third-party Car insuranceIncludes Third-party liabilities coverThird-party Liability cover is excluded
Own – Damage CoverPhysical Damages to the car are covered under several circumstancesPhysical Damages to the car are covered only when there has been a collision
TheftTheft of the car is coveredTheft or burglary is not covered
Personal Accident CoverThe personal casualty cover is includedDoes not include a Personal Accident Cover
CustomizationsAdd-ons provided like Zero Depreciation or Roadside AssistanceSome insurance companies might provide options for collision cover with a fire & theft policy
Fire damageDamage due to fire is coveredDamage due to fire can be covered with additional coverage options

Now that you know all of this, find the ideal plan for you with the help of a car insurance calculator. This online tool can assist in finding a plan based on your needs.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.