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What is Own Damage Bike Insurance?
 
Own Damage Insurance for Bike - A OD bike insurance is a type of bike insurance plan which provides an insurance cover only for your bike’s own damages. The plan safeguards your bike against own damages incurred due to accidents, natural calamities, man-made disasters, fire, theft as well as damages incurred in transit.
The standalone own damage bike insurance plan came into existence in September 2019 after the Insurance Regulatory and Development Authority of India (IRDAI) allowed its purchase.
What are the Features of Own Damage Cover in Bike insurance Plan?
The features of own damage cover in a bike insurance plan are as follows:
Under this insurance plan, the policyholder receives coverage for both insured vehicles along with the third party liability.
An own damage insurance is extensive, wherein an individual can select add-on riders in order to enhance their basic insurance plan coverage.
The premium paid against own damage insurance is a bit on the higher side as compared to the third party insurance plan.
Under this plan, the insured bike receives coverage against natural calamities, man made calamities and also damage from any third party due to any accident or mishap with the insured bike is also