With effect from 1st September 2019, Own Damage is no longer being bundled with Third Party and is being sold as a standalone annual policy. If you bought your car after 1st September 2018, you now have the option of buying a Standalone Own Damage Car Insurance for the second year. With a 3-year Third-Party Insurance policy now being mandatory for all car owners in India, the purchase and renewal of Own Damage cover is now independent and optional.