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ICICI Lombard brings to you a comprehensive package policy for your four-wheelers in India, covering Third Party Liability (TPL) for bodily injury and/or death, Personal Accident cover for owner-driver and loss or damage to the vehicle insured (Own Damage or OD). Now insure your vehicles against acts of terrorism, even when you're away.
Buy Car Insurance policy online. Dial-A-Policy to buy your policy over the phone – 91-22-66723800 (chargeable)
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 | A digitally signed policy is issued immediately through online facility. |
| You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Card at EMI without any extra charge . (Conditions Apply. Providing EMI facility for ICICI Bank (upto 12 months), Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks)
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
| You can claim towing charges up to Rs 1,500. |
| Avail of the following bonuses and discounts -
No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)
Transfer your NCB: You can transfer full benefits of No Claim Bonus when you shift your motor insurance policy to another company.
The discount rate remains the same, provided you show evidence that you are entitled to No Claim Bonus from your previous motor insurance company.
Evidence can be in form of
| A renewal notice or |
| A letter confirming the NCB entitlement from the previous insurer |
| A written declaration |
Click here to view the wordings of the written declaration
Voluntary Excess discount: A further discount on the premium is available if you opt for a Voluntary Excess in addition to the Compulsory Excess. (Compulsory Excess is the amount of loss which the insured has to bear in each and every claim.)
Additional discounts: You can also avail of additional discounts if you are a member of a recognized Automobile Association in India.
ARAI devices: In case you have installed ARAI approved anti theft device in your vehicle, you get a discount of 2.5 % on the OD Premium to a maximum of Rs. 500. |
| Cover yourself and your family: You can also opt for personal accidents cover of Rs. 2 Lakhs for other unnamed passengers in your car. For e.g. your family, relatives, friends etc. |
| Customise your insurance with additional covers: Electrical and/ or non-electrical items fitted to the vehicle can be insured separately. For example: fog lights, music system, seat covers.
In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/ LPG, permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form. |
Our Motor insurance Policy is governed by the Indian Motor Tariff. It covers you for: | Loss or damage to your vehicle: The policy covers you against any loss or damage caused to the vehicle or it’s accessories due to the following natural and man made calamities.
Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
Man made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
The rates of the vehicle and its parts are subject to depreciation as per the schedule provided by the Indian Motor Tariff. |
| Personal accident cover: The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owners of the vehicle while driving. You can also opt for a personal accident cover for passengers. |
| Third party legal liability: This protects you against legal liability arising due to accidental damages
- Any permanent injury/ death of a person
- Any damage caused to the property. |
Click here to view our Policy Exclusions. For more details, kindly refer to the Policy Wordings. | According to a report by IIT Delhi on Traffic Injuries and Fatalities in India, road traffic accidents take a toll of almost 1.2 million people a year and additionally injure or disable between 20 million and 50 million annually |
| Car Insurance serves as an add-on to the mandatory third-party cover and protects the car owner from financial losses, caused by damage or theft of the vehicle |
The vehicles are insured at a fixed value called the Insured’s Declared Value (IDV). IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff. If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer’s listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV. |
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Claim Process
