What is third-party vs own-damage cover?
Reviewed October 2026 · General guidance; your policy wording and insurer decide your claim.
Third-party cover pays for injury or damage you cause to other people or their property. It is mandatory by law in India.
Own-damage cover pays for damage to your own car. A comprehensive policy includes both.
NCB, deductible and depreciation apply to own-damage claims. ClearClaim’s claim check is about own-damage repairs.