Own-damage cover
The optional part of motor insurance that pays for damage to, or theft of, your own vehicle.
Own-damage cover pays for damage to, or theft of, your own vehicle, up to its IDV. It’s optional, unlike third-party insurance, and claim-free years earn a no claim bonus discount on it. See motor insurance explained.
Questions people ask
What is own-damage cover?
It's the optional part of a motor policy that pays for damage to your own vehicle from an accident, fire or other listed events, and for its theft. The most it pays is the vehicle's IDV.
Is own-damage cover compulsory?
No. Only third-party cover is compulsory by law. Own damage is your choice, though a lender may ask for it while a vehicle loan is running.
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