Own Damage and Theft in Comprehensive Motor Insurance covers which of the following?

• A. The insured vehicle only for theft by others
• B. Provides protection against accidental loss or damage to the insured vehicle
• C. Only third-party property damage
• D. Personal injury to occupants

Answer: (B)

The main idea is that own damage and theft coverage in a comprehensive motor policy protects the car itself. It pays for loss or damage to the insured vehicle due to perils like accidents, theft, fire, vandalism, and other accidental events. That’s why the description that best fits is: provides protection against accidental loss or damage to the insured vehicle.

This differs from third-party property damage, which is about liability for damage to others’ property, not your own car, and from personal injury to occupants, which is a separate benefit (often a Personal Accident cover) and not the focus of the own-damage portion. Theft is included because it’s a form of loss to the insured vehicle, not a separate, exclusive event.