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 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.

Personal accident cover The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owner/ driver of the vehicle insured while traveling in, mounting or dismounting from the car. 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 resulting in - Any permanent injury/ death of a person - Any damage caused to the property.

For more details, kindly refer to the Policy Wordings.

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.

Under this policy, you are not covered against:

Normal wear and tear and general aging of the vehicle

Depreciation or any consequential loss

Mechanical/ electrical breakdown

Wear and tear of consumables like tyres and tubes

Vehicles including cars being used otherwise than in accordance with limitations as to use

Damage to/ by a person driving any vehicles or cars without a valid license

Damage to/ by a person driving the vehicle under the influence of drugs or liquor

Loss/ damage due to war, mutiny or nuclear risk

For more details, kindly refer to the Policy Wording.

In case of a claim, avail cashless facility at the All India Cashless Garage List
Claim Process
Documents Required
Download Claim Form
Check Motor Claim Status

What if someone else was driving at the time of the accident? Is that person covered by my policy? Will I still be covered?
If the person driving the vehicle is a valid license holder, the vehicle is insured for all the accidents that occurred due to the hazards specified. To insure any other person driving the vehicle except the owner, an additional personal accident cover has to be taken for unnamed passengers. For the owner-driver, the policy compulsorily has a personal accident cover, as per tariff.

What if the accident happens with an uninsured vehicle? What is the extent to which I am covered?
If you have taken a comprehensive policy for your vehicle, you are fully covered against all the hazards mentioned, irrespective of whether the other person has an insurance policy or not.

Is my No Claim Bonus transferable?
Yes it is. When you shift your motor insurance from any other company to ICICI Lombard GIC, the no claim bonus accrued by you shall also be transferred fully.

Can I take a policy for a vehicle belonging to someone else?
Yes, the person who buys the policy need not be the owner himself. Anyone can buy the policy acting on behalf of the insured.

How can I obtain a hard copy of my policy?
You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.



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