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Sajja Praveen Chowdary, Head- Motor Insurance, Policybazaar. Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. Own damage premium in case of a car insurance is kind of self explanatory. An Own Damage cover is a part of the Comprehensive car insurance policy. Own damage car insurance also covers man-made disasters such as vandalism, riots and terror attacks along with providing coverage for external accidents.