Motor Insurance Term
Own Damage
The part of motor cover that pays for damage to your own vehicle.
What is Own Damage?
Own-damage (OD) cover pays for damage to your own vehicle from accidents, fire, theft or natural calamities. Combined with mandatory third-party cover, it forms a comprehensive policy.
Your No-Claim Bonus discount applies to the own-damage premium.
Example
If you skid and damage your own car, own-damage cover pays for the repairs.
Related terms
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