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Health insurance just got 18% cheaper – no GST applicable!

Car insurance

Prices starting at just ₹2,094/yr_B

This amount refers to the TP rates only

Car insurance starting @2094/yr*

*TP rates only.

30-Minute Roadside Assistance
Promise^P
Doorstep Cashless Repairs^H
₹15 lakh Personal Accident
Cover

What is Car Insurance?

Your car deserves more than just fuel, it deserves protection. Our car insurance is your trusted shield on every journey, safeguarding you against unexpected events like accidents, theft and natural disasters. And that’s not all. It also keeps you legally compliant because third-party insurance is mandatory under the Motor Vehicles Act, 1988. With policy starting at just Rs. 2094 per yearB, you get cashless repairs at network garages, quick and hassle-free claim settlement, and 24x7 customer support. Drive worry-free knowing we’ve got your back always.

Quick Summary

Car insurance protects your vehicle against damages and losses caused by accidents, theft, natural and man-made calamities, fire, third-party liabilities, etc.
It is mandatory to have third-party car insurance to legally drive your vehicle on Indian roads.
You can opt for add-ons like Zero Depreciation Cover, Consumable Items Cover, IL Smart Assist, Engine Protect Plus, Pay As You Drive and more to customise your car insurance coverage.
Your car insurance premium is based on your vehicle’s IDV, fuel type, make and model, age, geography, claim history and add-ons opted.
You can earn a No Claim Bonus of up to 50% for not making any claims in five consecutive years.
You need to renew your car insurance policy on time to retain your accumulated NCB, avoid a policy lapse, meet legal requirements and enjoy continuous coverage.

Why is Car Insurance Mandatory in India?

You need to have at least a third-party car insurance to drive a vehicle on public roads. It is a legal requirement under the Motor Vehicles Act, 1988. You can face fines up to ₹2000 and ₹4000 for subsequent offenses and/or imprisonment for upto three months for driving without a valid insurance.

Third-Party Protection

Accidents don’t just impact you. They can also affect pedestrians, passengers and other vehicles. A third-party car insurance helps to compensate those affected by your insured vehicle.

Legal Compliance

You cannot drive on Indian roads without a valid third-party car insurance. This is the minimum coverage you need to have. Besides, having this insurance helps to avoid fines and penalties.

High Accident Rates

Road accidents are on the rise. According to reports, there were about 4.5 lakh road accidents in 2025. This indicates that the chances of accidents are quite high and you need insurance to protect yourself.

Financial Risks

The cost of car repairs and accident-related legal compensation can run into lakhs. Car insurance helps deal with such unexpected expenses without burning a hole in your pocket.

What is Covered Under Car Insurance?

The best car insurance does more than just meet legal requirements — it protects you from unexpected expenses. Understanding what your policy covers helps you know exactly when and how you’re protected. Here are some key inclusions of ICICI Lombard car insurance:

What’s Covered
What’s Not Covered

Accidental Damages

Roads can be unpredictable. Thankfully, our car insurance covers damages/losses to your vehicle due to road accidents, collisions, etc.
Theft

We offer compensation in case your insured car is stolen. The payout is based on your vehicle's IDV and other policy terms and conditions.
Fire

Car insurance also provides protection against different fire-related damages. These include damages or losses caused by fire, explosion, self-ignition, etc.
Natural Calamities

Worried about damage caused due to natural calamities? Our car insurance covers damage caused by earthquakes, floods, typhoons and other calamities.
Man-made Disasters

We also protect your beloved car against malicious activities. Be it damages caused by riots, strikes or terrorist activities, you are covered.
Personal Accidents

Owner-drivers are also covered in the unfortunate event of accidental death or disability. The compensation can be up to ₹15 lakhs.
Third-party Liabilities

A comprehensive car insurance also covers damages or losses incurred by someone else due to an accident involving your insured vehicle.
Damages During Transit

You are also covered for damages or losses incurred when your car is being transported from one place to another.

Note: This is an indicative list. Kindly go through the policy wordings for detailed information on car insurance inclusions.

Damage Outside Geographical Area

Our car insurance policy does not cover damages or losses incurred whilst driving your vehicle outside India.
Natural Wear & Tear

Car insurance does not cover the cost of repairing or replacing car parts that have been damaged due to normal usage or ageing.
Consequential loss

We do not cover any damages or losses caused due to negligence.
Warlike Situations

Insurance companies do not cover losses caused by nuclear war, invasion, civil war or warlike operations.
Illegal Driving

Car insurance does not provide coverage if you drive your four-wheeler under the influence of drugs or alcohol, without a valid driving licence or without an active third-party insurance.
Mechanical Failure

We do not cover any damages caused by mechanical or electrical breakdown.

Note: This is an indicative list. Kindly go through the policy wordings for detailed information on car insurance exclusions.

How to Choose the Right Car Insurance Policy?

Choosing the best car insurance doesn’t have to be confusing. You just need to keep a calm mind and understand the coverage type, read the policy wordings and ask questions if you need clarification. Here’s a quick guide to help you select the best car insurance online:

Choose the Right Coverage

Decide whether you only need third-party liability insurance (which is mandatory by law) or broader protection like own damage or comprehensive car insurance coverage.

Choose the Right IDV

Ensure you select the maximum applicable IDV for your vehicle. This will help to ensure you can make the most of your car insurance policy during unfortunate events like accidents or theft.

Evaluate Your Driving Style

Your driving habits, such as how often you drive and what type of driving you do, can affect the cost of the car insurance. You can also opt for Pay As You Drive or Pay How You Drive policies.

Decide Your Comfort with Risk

Think about your budget and how much risk you're comfortable with. If you’re not comfortable spending money from your own pocket for your car repairs, opt for comprehensive car insurance with add-ons.

Consider Your Location

Car insurance costs can differ based on traffic, accident rates and theft trends in your area. Since these factors increase the risk of claims, the premium may also be on the higher end.

Check for Discounts

Look for discounts you might be eligible for, such as discounts for having multiple policies, being a safe driver, driving less or opting for a multi-tenure policy.

Understand Policy Coverage

Always check your car insurance policy’s inclusions and exclusions to know what’s covered and what’s not. Note that choosing the cheapest policy may not always be the safest option.
Choose Useful Add-ons^G

Add-ons come with great benefits at a nominal extra charge and each one of them serves a specific purpose. Evaluate them closely and pick the ones you need to cover your car against accidental damages.
Look at Service Quality

Check whether the insurer has a vast network of cashless garages, easy claims process and reliable customer support. These factors can make a big difference during emergencies.

Select the Right IDV

While you can save on premium by choosing a lower IDV, you also lower your claim payout. It is advisable to get an IDV that’s close to your car’s market value while buying a car insurance policy online.
Know Your Deductibles

Opt for a higher deductible amount only if you’re comfortable with paying a little more from your pocket during claims. Note that a lower deductible means a higher premium and vice versa.

What is IDV (Insured Declared Value)?

The Insured’s Declared Value or IDV is the maximum amount you can get when your insured car is stolen or damaged beyond repair. It is basically your car’s current market value minus depreciation.

IDV = Manufacturer's listed selling price + Listed cost of any accessories - Depreciation

Note that the depreciation rate is calculated as per the Indian Motor Tariff. Here’s how the depreciation is calculated:

Age of Your Car	Applicable Percentage of Depreciation
Not more than 6 months	5%
More than 6 months but less than 1 year	15%
More than 1 year but less than 2 years	20%
More than 2 years but less than 3 years	30%
More than 3 years but less than 4 years	40%
More than 4 years but less than 5 years	50%

Let’s understand this with an example. Suppose the listed selling price of your vehicle was ₹4,00,000 and you added accessories worth ₹50,000. The total value of your car would be ₹4,50,000. And the applicable depreciation after two years would be ₹90,000 (which is 20% of ₹4,50,000). As a result, your IDV would be ₹4,50,000 - ₹90,000 = ₹3,60,000.

Which Factors Affect Your Car Insurance Premium?

Car insurance premium is calculated based on a number of factors and components. These decide how much risk your car carries and, in turn, your final premium amount.

Coverage Type

Your car insurance premium is based on the type of policy you choose. The premium for third-party car insurance is lower than a comprehensive car insurance.

IDV

IDV in car insurance plays a key role in determining your payable premium. The higher your car’s market value, the higher your IDV and premium will be.

Make and Model

Luxury and higher-end car models are typically insured at a higher price, simply because the cost of repairs/replacement for such vehicles is higher.

Fuel Type

Repairing petrol-fuelled cars is cheaper than those that run on diesel and CNG. As a result, they are also less expensive to insure.

Year of Manufacture

Both new and older cars can be costly to insure since their spare parts are hard to find in the market.

Location

There’s a greater probability of accidental damages in urban areas since they tend to have denser traffic. Thus, your premium may vary depending on your location.

Claim history

You can gain up to 50% NCB on your premium if you didn’t file any car insurance claims in the last five years.

Add-ons

You can opt for optional covers like Zero Depreciation, Engine Protect Plus, etc. at an additional cost and enhance your car insurance coverage.

How to Calculate Car Insurance Premium Online?

Before you buy your car insurance online, you need to understand how your premium is calculated. Did you know that your car insurance premium includes three major components? Yes, that’s right. These components include the third-party insurance premium, own damage insurance premium, and personal accident cover + add-on premium.

Third-party Liability Premium

This is directly proportional to your car’s cubic capacity. The rates are stipulated by the Insurance Regulatory and Development Authority of India (IRDAI).

Car’s Cubic Capacity (CC)	Third-party Insurance Premium
Less than 1000 CC	₹2,094
More than 1000 CC but less than 1500 CC	₹3,416
More than 1500 CC	₹7,897

Own Damage Premium

This is calculated based on factors such as car value, age, location, claim history and selected add-ons. The formula to calculate your Own Damage Premium1 is: IDV x [Tariff Rate] – [Discounts]

Personal Accident Cover Premium + Add-on Covers

This includes the Personal Accident Cover for the owner-driver and any optional covers you choose. These can be added to your base coverage for a nominal cost.

Besides this, you can also use our car insurance premium calculator to easily know your payable premium.

Note: 1: The payable OD premium is also subject to policy terms and conditions.

How to Get the Best Car Insurance Quote Online?

Getting the best car insurance quote online is simple only if you know what to look out for. You can follow these steps to make the right choice:

Know Your Insurer’s Network Strength

Start by checking if the insurer has a wide network of cashless garages. This will help you enjoy hassle-free repairs and fast claim settlement.

Check What Customers Are Saying

Read customer reviews about the insurer’s services quality, claim experience and support reliability. This will give you the real picture.

Understand the Claims Process

Check whether the insurer has a smooth and transparent claims process. This will help you avoid last-minute confusion when you actually file a claim.

Look at the Claim Settlement Ratio

A high claim settlement ratio indicates that the insurer has honoured the maximum number of admissible claims filed.

Compare Policies Based on Benefits

Don’t finalise the first car insurance quote. Always compare policies, coverages and add-ons from different insurers.

Look for Available Discounts

Check whether the insurer offers discounts for choosing multi-tenure policies. Also, opt for NCBs and other online discounts, if applicable.

How to Reduce Your Car Insurance Premium?

No matter what type of car you drive, certain discounts can bring down your car insurance price -

Choose the Right Policy: Select coverage that suits your car and usage patterns. If your car is old, you may not need every add-on.
Choose the Right IDV: You can choose a lower IDV to lower your premium. But remember, you would be at a disadvantage in case of an accident.
Choose the Right Add-ons:Add-ons are useful, but only when you need them. Remove the optional covers that no longer add value to your car insurance policy.
Claim Your NCB:You get rewarded for every claim-free year. Enjoy up to 50% NCB if you made no claims in the past five years.
Take Security Measures: You can receive upto 2.5% discount for fitting an anti-theft device (approved by ARAI) on your car.

how_to_reduce_your_car_insurance_premium

What is No Claim Bonus (NCB)?

No Claim Bonus or NCB is a reward you earn for not making any car insurance claims during a policy year. Insurers offer this reward in the form of a discount on your premium during policy renewal. Note that this discount is applicable only on the own damage component of your car insurance policy and not on the third-party premium.

Here are different NCB slabs:

Scenario	Discount Percentage (Applicable Only on Own Damage Premium)
No claims in the first year	20%
No claims in the second year	25%
No claims in the third year	35%
No claims in the fourth year	45%
No claims in the fifth year	50%

NCB is one of the easiest ways to reduce your car insurance premium without compromising on coverage. Suppose your Own Damage premium is ₹10,000, Third-party premium is ₹2,094 and you have an NCB of 45% for not making any claim in four consecutive years. In this case, your NCB amount will be ₹4,500 (45% of ₹10,000). And your payable premium (without GST) will be ₹10,000 - ₹4,500 + ₹2,094 = ₹7,594.

What are Pay As You Use & Pay How You Use Plans?

ICICI Lombard’s Telematics Cover is a usage-based add-on designed to help you reduce your car insurance premiums. It comes with two plans, Pay As You Use and Pay How You Use, and they are applicable to the own damage component of your car insurance policy.

Pay As You Use Plan

It operates on the simple rule that you should pay less car insurance premium if you drive less.
It is commonly known as Pay As You Drive cover.
You can opt for 2500, 5000,7500, 10,000 and 15,000 km/year plans depending on your driving needs.
You can even top up your insurance coverage if you exceed your plan's kilometres.

Pay How You Use Plan (It rewards customers for their good driving behaviour.)

Safer drivers receive discounts while riskier driving can attract premium loading.
You can get up to 20% discount for having a good driving score.
You will get a premium loading of 12% for having a bad driving score.

Since standard car insurance premiums depend on geography, make-model, age of the vehicle and are not based on their usage, most car owners who opted for Telematics add-on save on their premiums.

How to Buy Car Insurance Online?

STEP 1

Visit our website or IL TakeCare App.

STEP 2

Enter your car registration number.

STEP 3

Select the type of coverage you want for your car.

STEP 4

Personalise your coverage with useful add-ons like Zero Depreciation, IL Smart Assist, etc.

STEP 5

Review and complete payment for your car insurance policy online.

How to Download Your Car Insurance Policy Copy Online?

After you buy car insurance online, ICICI Lombard shares the policy documents on your registered email ID and mobile number. You can also download them by following these steps:

Log In

Visit our website or download our IL TakeCare App and log in with your registered mobile number.

Policy Dashboard

You can see all of your ICICI Lombard policies in the ‘My Policies’ or Policy Dashboard section.

Download Policy Document

Choose the relevant car insurance policy and tap on “Download Policy Document”. And that’s it.

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Why Renew Car Insurance Before Expiry?

Because it helps you to avoid unnecessary risks and extra costs. Here are six reasons why you should always renew your car insurance before its expiry:

Avoid Legal Issues

Driving without a valid car insurance policy is illegal in India and can lead to fines or penalties. Renewing on time keeps you compliant with the law.

Avoid Policy Lapse

This means your car is not covered against own damages and third-party liabilities. Without an active policy, even minor accidents can lead to high out-of-pocket expenses.

Incur Repair Cost

Car repairs can be expensive and you will have to bear these costs straight out of your pocket if you don’t renew your car insurance policy on time.

Retain Your NCB

You can lose your accumulated NCB if you don’t renew your car insurance policy before it expires. This can also result in an increase in premium.

Get Better Discounts

Insurance companies often offer better deals and renewal discounts as a reward for renewing your policy.

Avoid Car Inspection

Renewing your car insurance on time usually eliminates the need for vehicle inspection, saving you time and effort.

What are the Benefits of Renewing Car Insurance Online?

Renewing your car insurance online is one of the quickest and easiest ways to stay protected without any hassle. When you choose to renew your policy through our website, here’s what you get:

No Paperwork

Forget the usual paperwork. Since the entire renewal process is online, you don’t need to fill out forms or submit documents. Just a few clicks and you’re done.
Easy Customisation

Your driving needs can change over time - and your policy should keep up. During online renewal, you can adjust your IDV or add useful add-ons to match your current requirements.
Instant Coverage

The process is simple. Review your policy, make any changes if needed and complete the payment. Your car insurance gets renewed instantly, so there’s no break in coverage.

Access to Discounts

Online renewal makes it easier to grab renewal discounts and special offers. This way, you can lower your premium while still enjoying the same level of protection.
Option to Port

If you’re thinking of switching your insurer, renewal is the right time. You can port your policy without losing your No Claim Bonus (NCB), ensuring you don’t miss out on benefits you’ve earned.

How to Renew Car Insurance Online?

Renewing your car insurance online is quite simple and hassle-free. You can complete the entire process within minutes, without any paperwork. Just follow the below steps:

Step 1 Visit Our Website

Visit our website, click on the “Renewal” tab and select “Car Policy Renewal”. Alternatively, you can directly visit our renewal page.

Step 2 Fill Details

Enter details like your car registration number or policy number.

Step 3 Check Coverage

Review your coverage details and make changes like adjust IDV or opt for add-ons.

Step 4 Make Payment

Pay the applicable premium to renew your car insurance instantly.

Note that a car with an expired car insurance policy can also be renewed. You may have to complete a physical or online inspection where the insurer checks the condition of your four-wheeler.

How to File a Car Insurance Claim Online?

Step 1

Inform us

Intimate ICICI Lombard about the damage, theft or loss as soon as possible after the incident. You can do this online via our website, or through the IL TakeCare app, or by calling the toll-free number 1800 2666 or contacting us on WhatsApp: 7738282666.

Step 2

Complete Video Survey:

Log into our IL TakeCare App and complete your video survey using the InstaSpect# option.

Step 3

Submit Documents

Upload or submit essential documents such as car registration certificate (RC), driving licence, filled claim form and FIR (for theft cases).

Step 4

Track Your Claim

You can check the status of your car insurance claim on our website or WhatsApp or via the IL TakeCare app using your policy number and registered mobile number.

Note: Be prepared beforehand: Get more information about the claim process and document required.

How to File a Cashless Car Insurance Claim?

Accidents can be stressful but filing a cashless car insurance claim shouldn’t be. That’s why ICICI Lombard offers a seamless claims experience. Just follow these steps:

Inform About Incident

Inform us about the accident via website, IL TakeCare app, toll-free number 1800 2666 or WhatsApp: 7738282666. Share basic details like your policy number, chassis/vehicle registration number and the nature of damage.
Visit Network Garage

Take your car to one of our network garages to avail the benefit of cashless repairs. With this, you don’t have to make any upfront payment for the repairs (subject to policy terms and conditions).
Submit Documents:

Upload or submit documents such as car registration certificate (RC), driving licence, filled claim form and FIR (for theft cases), and other as requested by the insurer.
Complete Video Survey:

Complete your video survey using the InstaSpect# on our IL TakeCare App. This will help us assess the damage and speed up the claim process.
Claim Settlement

Once your car is repaired, we settle the bill directly with the network garage as per policy terms. You only need to pay for deductibles or non-covered items.

Note: Be prepared beforehand: Get more information about the claim process and document required.

Documents Required for Filing a Bike Insurance Claim

Documents Required for Filing a Car Insurance Claim

Filing a car insurance claim can be quite simple if you keep the right documents ready with you. This will help to speed up the claims process. Here’s a quick look at the documents you’ll need to file a car insurance claim smoothly.

Identification Proofs: Certified copy of one officially valid document & PAN card/form 60.
Claim Form: A duly filled and signed claim form with NEFT mandate form/cancelled cheque.
Registration Certificate (RC): Your car’s valid RC to confirm ownership.
Driving Licence: A copy of the licence of the person driving at the time of the incident.
FIR/Police Report: This is mandatory for theft claims or if a third party is involved.
Repair Bills and Invoices: Original garage estimate and final repair bills.
Form 28/29/30: These are required in case of total loss or salvage situations.
No Objection Certificate (NOC): Needed if the car is under loan or finance.

Note: Check the full list of documents.

What are Some Common Reasons for Car Insurance Claim Rejection?

Filing a car insurance claim can be stressful and rejection makes it worse. Did you know your car insurance claim can be rejected if certain policy terms and conditions are not met? That’s true. Most claims get rejected due to the following avoidable reasons:

Driving Under Influence

Your car insurance claim will be rejected if the driver was under the influence of alcohol or drugs at the time of the accident.

Driving Without Licence

Insurers do not honour claims if the person driving the insured car does not have a valid driving licence.

Driving With Expired Policy:

Another key reason for claim rejection is driving a four-wheeler with an expired car insurance policy. Insurers do not cover you or your vehicle when your policy is lapsed.

Misrepresentation

Providing incorrect or incomplete information while buying the car insurance policy or filing a claim can result in rejection.

Wear and Tear-Related Claims

Insurance companies also do not cover damages caused by normal wear and tear or ageing of vehicle parts.

Driving Outside Covered Area

Car insurance claims usually get rejected if the accident occurs outside the geographical limits mentioned in the policy.

Locate your nearest cashless garage

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Important Car Insurance Terminologies You Need to Know

Premium

Premium is the amount you need to pay for getting car insurance coverage.

Total Loss

Total Loss occurs when your insured car is stolen or damaged beyond repair.

Break-in Inspection

This is required when there’s a gap or lapse in car insurance policy coverage.

Consequential Loss

This refers to any indirect loss caused to your insured vehicle due to negligence.

IDV

IDV is your car’s current market value and the maximum payout in case of total loss or theft of vehicle.

Deductible

Deductible is the portion of the claim amount you have to pay from your own pocket.

No Claim Bonus (NCB)

It is the discount you get on your own damage premium for every claim-free year.

Depreciation

This refers to the decrease in the market value of your car and its parts due to age and normal wear and tear.

Cashless Claims

These claims allow car repairs to be done at network garages without upfront payment as per policy terms and conditions.

Third Party

A third party is any person or property other than you and your insured car.

Difference Between Oversteer and Understeer

This article explains the differences between oversteer and understeer, their causes and how they affect vehicle handling. It also covers risk factors, driving responses and the impact these situations can have on accident assessments and insurance claims.

22 May 2026

Car Insurance Fraud in India & How to Avoid It?

Car insurance fraud in India can happen through fake policies, inflated repair bills, staged accidents and forged documents. This article explains common scams, ways to verify policies, protect personal documents, avoid fraudulent claims and understand the legal consequences linked to insurance fraud.

20 May 2026

Maruti Suzuki E Vitara: Features and Specs

Maruti Suzuki E Vitara is an electric SUV with multiple battery options, strong range, and practical features. The article explains specifications, performance, safety systems, and highlights the importance of suitable car insurance for high-value EV components

06 May 2026

General
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Premium
Claims
Renewal

Why do I need to insure my car?

You need a car insurance to protect you and your four-wheeler during any untoward incidents. While a third-party car insurance is compulsory for all car owners in India, an own damage car insurance covers you in case of accidents, theft and fire.

What are the different types of car insurance policies?

There are three types of car insurance policies, namely third-party car insurance, own damage car insurance and comprehensive car insurance.

What are the benefits of buying car insurance online?

When you buy car insurance online, you get an instant coverage, easy customisation and better discounts. You also have the advantage of choosing from multiple payment options, e.g. credit card (Visa, Master, AMEX card), net banking, debit card etc.

How quickly can I buy/renew car insurance online?

It takes just a few minutes to buy or renew car insurance online. You just have to enter your vehicle registration number, contact information and select the covers you need. Once you make the payment, you receive an instant car insurance policy.

What are the various types of vehicles that I can insure online?

You can buy car insurance online for private cars, including petrol, diesel and CNG, and electric vehicles.

Do I need a valid PUC to drive in India?

Yes, you need to have a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

Can I skip the ₹15 lakh Personal Accident cover for owner in my car insurance policy?

Yes, but only if you already have an existing personal accident cover or accidental cover rider in your life/term insurance.

What are the base products available, and how can I access their relevant policy documents?

UIN	Product Type	LOB	Motor OD Tenure in years	Motor TP Tenure in years	Other Tenure	Link to policy wordings / Other products
1	Private Car Package Policy	IRDAN115RP0017V01200102	Package	Motor	1	1	-	Policy wordings / Other products
2	Two Wheeler Vehicle Package Policy	IRDAN115RP0015V05201415	Package	Motor	1 or 2 or 3	1	-	Policy wordings / Other products
3	Goods Carrying Vehicle Package Policy	IRDAN115RP0013V01200203	Package	Motor	1	1	-	Policy wordings / Other products
4	Passenger Carrying Vehicle Package Policy	IRDAN115RP0014V01200203	Package	Motor	1	1	-	Policy wordings / Other products
5	Miscellaneous Vehicle Package Policy	IRDAN115RP0015V01200203	Package	Motor	1	1	-	Policy wordings / Other products
6	Motor Trade Road Risk Package Policy	IRDAN115RP0002V01200203	Package	Motor	1	1	-	Policy wordings / Other products
7	Motor Trade Road Transit Risk Package Policy	IRDAN115RP0008V01202223	Package	Motor	1	1	-	Policy wordings / Other products
8	Trailer Package Policy	IRDAN115RP0006V01202223	Package	Motor	1	1	-	Policy wordings / Other products
9	Motor Trade Internal Risk Package Policy	IRDAN115RP0001V01200203	Package	Motor	1	1	-	Policy wordings / Other products
10	Compulsory Personal Accident (Owner-Driver) Under Motor Insurance Policies	IRDAN115RP0034V01201819	SPCA	Motor	NA	NA	Motor CPA - 1 Year	Policy wordings / Other products
11	Motor Extended Warranty Insurance	UIN-IRDAN115RPMT0011V01202425	EW	Motor	NA	NA	Motor EW Annual or Multiple years	Policy wordings / Other products

What are the risks covered by Private Car Package Insurance Policy?

A Private Car Package Policy or comprehensive car insurance offers coverage for both own damages and third-party liabilities. The covered risks include accidents, theft, natural and man-made calamities, fire, third-party property damages and liabilities.

I am the car's second owner and want to book a fresh policy in my name. What is the process?

You need to first transfer the ownership of the car in the registration certificate. Once this is done, you can buy a new car insurance policy under your name.

Can I switch to ICICI Lombard at the time of renewal from another insurer?

Yes, you can easily port your car insurance policy without losing your accumulated NCB.

What is an endorsement in car insurance?

An endorsement is written evidence of an agreed change in the car insurance policy. It is a document that incorporates changes in the policy terms.

Where can I check my car insurance policy details?

You can check all your car insurance details in your policy documents. You can also log in to our website or IL TakeCare app to check the below details:

Policy number
Policy start and end date
Policy type (Comprehensive/OD only/TP only)
Engine & chassis number

What is third party liability cover in a car insurance?

It covers losses to a third person caused by your insured car. Specifically, it covers:

Any permanent injury/death to a person caused by your insured vehicle
Any damage caused to the property of some other individual, by your insured vehicle

What is Zero Depreciation Cover in a car insurance policy?

Zero Depreciation Cover is a car insurance add-on that protects you from bearing the cost of depreciation on car parts during a claim. Usually, when you file a claim, the insurer deducts depreciation from the value of the parts that are repaired or replaced, and you end up paying that amount out of your pocket. With Zero Depreciation Cover, the insurer covers this depreciation cost, ensuring you receive a higher claim amount and significantly reducing your out‑of‑pocket expenses.

What is covered under Zero Depreciation?

Zero Depreciation add-on covers the repair and replacement costs of fiber part, rubber, batteries, airbags, nylon and plastic parts, denting, painting, and fiber glass as per policy terms and conditions.

Do we cover engine in Zero Depreciation?

Yes, we do. However, this coverage is only applicable in case of accidental damage to the engine. You can opt for the Engine Protect Plus add-on if you want coverage for consequential losses to the engine.

What is Engine Protect Plus?

It is a car insurance add-on that covers the cost of repairing or replacing an engine, which was damaged due to water ingression/leakage of lubricating oil.

What is Key Protect cover in car insurance?

It is an add-on that covers your car keys and locks against theft or damage. The Key Protect add-on pays for repair or replacement of lost or damaged keys and locks, including locksmith charges. You can opt for this cover in your policy by paying a nominal additional premium.

What is Garage Cash cover?

Garage Cash is an add-on that offers pay a fixed daily allowance when your car is under repair in an authorised garage after an accident. You can use it for alternative transport. Please refer to the policy wordings for terms and conditions.

Does the ICICI Lombard car insurance policy cover partial theft?

Yes, we cover both complete and partial theft under a car insurance policy's own damage section (subject to terms and conditions).

Do you cover rat bites in the policy?

Yes, we do cover rat bites as per terms and conditions.

Do you cover damage due to a hit by a coconut or cricket bat?

Yes, we do.

Are passengers covered under car insurance?

Only if you have bought an additional Personal Accident Cover for passengers.

Does car insurance cover natural disasters like floods and earthquakes?

Yes, car insurance covers

What factors affect my premium amount?

Your car insurance premium is impacted by your vehicle’s IDV, age, geographical location, make and model, fuel type, claim history and add-ons opted.

What is IDV (Insured Declared Value) in a car insurance policy?

IDV is your car’s market value after depreciation. It is one of the key factors that determines your claim payout.

How is the Insured Declared Value (IDV) of my vehicle decided and how does it impact my coverage?

IDV is calculated using the manufacturer’s list price minus depreciation (based on the vehicle’s age). It affects both your premium and the maximum amount you can receive in case of total loss or theft.

What is the meaning of deductible in a car insurance policy?

Deductible is the amount you pay during a claim before the insurer settles the rest.

Is there any discount on the car insurance premium if I install an anti-theft alarm and locking system?

Yes, insurers generally provide upto 2.5% discount on car insurance premium for installing approved anti-theft devices.

Is my No Claim Bonus (NCB) transferable?

You cannot transfer your accumulated NCB to someone else. However, you can retain your NCB even after porting your car insurance policy.

Will my NCB be impacted if I claim for Loss of Personal Belongings & Key Protect add-ons?

No.

Can I reduce my premium by opting for a voluntary deductible?

Yes, opting for a higher deductible lowers your car insurance premium but it also increases your out-of-pocket expenses during claims

Why should I notify my claim to the insurer directly?

It ensure faster claim processing and avoid rejection of admissible claims. If intimate the claim with us before going to the garage, you can get these benefits at our certified preferred garages:

Quick survey
Quality assuranceI for repairs done under claim for 24 months or 10000 km, whichever is earlier
Complimentary vehicle body wash
Complimentary sanitisation - on major touchpoints
Complimentary towing at the time of the accident

How do I register my claim?

You can file a car insurance claim online via our website , through the IL TakeCare app, or by calling the toll-free number 1800 2666 or contacting us on WhatsApp: 7738282666.

What is a cashless claim and a non-cashless/reimbursement claim?

Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage. Whereas if the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

How many times can we claim under car insurance in a year?

You can make any number of claims in the year.

What documents are required to file a car insurance claim?

Some of important documents required to file a car insurance claim include RC, driving licence, FIR (if applicable), claim form and repair bills.

Why can a car insurance claim be rejected?

Your claim can be rejected due to multiple reasons, including policy lapse, misrepresentation or illegal driving.

When should I renew car insurance?

You need to renew car insurance before it expires, so that there is no break in coverage. In case of a gap between expiry and renewal, you may lose out on claims and your accumulated NCB.

I am an existing ICICI Lombard customer. Can I renew my car insurance policy online?

You, can renew your car insurance policy by visiting our website.

Can I renew my car insurance after expiry?

Ideally, you should renew your car insurance policy before expiry of the previous policy. In case your vehicle insurance policy has already expired, our authorised surveyor would require an inspection of the car, before policy issuance. The policy would only be issued subject to satisfactory inspection and submission of required documents.

Is inspection required if my car insurance policy has expired?

Yes.

Where can I get a duplicate copy of my car insurance policy?

You can download the PDF version of your car insurance policy via our IL TakeCare App.

What do I do with my car insurance policy if I sell my car?

You can transfer your car insurance to the new owner.

How can I transfer car insurance to the buyer of my car?

You can transfer your car insurance to the new owner.

Reviews and ratings

4.7
Our customers have rated us
Based on 1201 reviews

I just purchased this car insurance policy because of the following reason even after getting cheaper offer from other competitors: 1. Proper follow up and prompt update 2. The way your team explained the feature of policy such as 24x7 road side assistance, zero depreciation, and high number of cashless garages etc. 3. Excellent customer service

Your team was very helpful in telling the details of the premium breakup and the IRDA specific mandates. Unlike others, they informed me about the terms and conditions of zero depreciation coverage in the car insurance policy. Thanks for advising and helping with information.

Nice support and assistance given by your support team for renewal of my car insurance policy. Because of service and benefits offered by ICICI Lombard, I migrated from existing insurance firm to ICICI Lombard.

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Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth. She explained to me the advantages of the policy, such as personal accident coverage of Rs. 2 lakh, in a clear and simple language. I’m really grateful for her assistance.

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Thanks to your customer support associate, I was able to get the best insured declared value (IDV) and maximum number of add-ons, including a free Carnot device which keeps track of my car’s health. He also explained the features of your car insurance plan in detail and later, helped me to complete the payment online.

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Product	Product Code	UIN no.
Private car package policy	3001	IRDAN115RP0017V01200102
Bundled - Private Car Policy	3001	IRDAN115RP0021V02202122
Stand-alone own damage private car insurance policy	3001/O	IRDAN115RP0001V02201920
Private car liability only policy	3001/A	IRDAN115RP0012V01200102

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