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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

39.3 Million

Policies issued

FY 2025-26

3.4 Million

Claims processed

FY 2025-26

7200+

Network garages

As on 1st Sept 2026

What is Car Insurance?

Your car is more than just a machine, it’s your companion on every journey, and it deserves reliable protection. Our car insurance acts as a dependable shield, covering you against unexpected events such as accidents, theft, and natural disasters, while also ensuring you stay compliant with the Motor Vehicles Act, 1988, which makes third-party insurance mandatory.

With policy starting at just ₹2094 per year^B, you enjoy the peace of mind that comes with cashless repairs at trusted network garages, hassle-free claim settlement, and 24x7 customer support. Wherever the road takes you, drive with confidence knowing we’re always by your side.

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

As per the Motor Vehicles Act, 1988, every vehicle owner must have at least a third-party car insurance policy to drive legally on Indian roads. Driving without valid insurance can attract fines, penalties, and even imprisonment as prescribed under the law.

High Accident Rates

With a significant number of road accidents reported every year across the country, the risk of unforeseen incidents remains high. Car insurance offers financial protection against the expenses that may arise from accidents, helping vehicle owners manage risks effectively.

Car Insurance Handles Unexpected Expenses

Protection Against Financial Losses

Repairing damaged vehicles, replacing parts, or paying legal compensation following an accident can be expensive. Car insurance helps cover these unexpected costs, reducing the financial burden on vehicle owners.

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

Unexpected collisions, road accidents, and impacts can result in costly repairs. Car insurance helps cover damages or losses to your insured vehicle caused by accidents.
Theft

If your insured car is stolen, you can receive compensation based on the vehicle's Insured Declared Value (IDV), subject to policy terms and conditions.
Fire-Related Damage

Your policy provides coverage for losses or damages caused by fire, self-ignition, explosion, lightning, and similar fire-related incidents.
Natural Calamities

Stay protected against damage caused by natural events such as floods, earthquakes, cyclones, storms, typhoons, landslides, and other natural disasters.
Man-made Disasters

Coverage extends to damages resulting from riots, strikes, vandalism, malicious acts, and terrorist activities, as specified in the policy.
Personal Accident Cover

Owner-drivers are covered in the unfortunate event of accidental death or permanent disability, with compensation of up to ₹15 lakh as per policy provisions.
Third-party Liabilities

Comprehensive car insurance also covers legal liabilities arising from injuries, death, or property damage caused to third parties due to an accident involving your insured vehicle.
Damages During Transit

Your vehicle is protected against loss or damage that may occur while being transported by road, rail, inland waterways, air, or lift.

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

Damage Outside the Geographical Limits

Losses or damages occurring when the vehicle is driven or used outside India are not covered under the policy.
Normal Wear and Tear

Routine deterioration due to ageing, regular usage, depreciation, or gradual wear and tear of vehicle components is not covered.
Consequential loss

Any loss or damage arising due to negligence, delayed action, or continued use of a damaged vehicle may not be admissible under the policy.
War and Nuclear Risks

Damages caused directly or indirectly by war, invasion, civil war, rebellion, nuclear risks, or warlike operations are excluded.
Illegal Driving

Claims may be rejected if the vehicle is being driven under the influence of alcohol or drugs, by a person without a valid driving licence, or in violation of applicable laws.
Mechanical or Electrical Breakdown

Losses resulting solely from mechanical, electrical, or electronic failures and breakdowns are not covered unless specifically mentioned under an add-on cover.

Note: This is an indicative list of exclusions. Please refer to the policy wordings for a comprehensive understanding of all exclusions, conditions, and limitations under the car insurance policy.

Policy documents:
Policy wordings Prospectus CIS

How to Choose the Right Car Insurance Policy?

Selecting the right car insurance policy is an important step towards protecting your vehicle and finances. From understanding coverage options to evaluating your driving needs, a few key considerations can help you make an informed decision. Here are some factors to keep in mind when choosing the best car insurance policy for your car:

Choose the Right Coverage

Start by identifying the level of protection you require. While third-party car insurance is mandatory by law, you may want to consider own damage or comprehensive car insurance for wider coverage against accidents, theft, natural calamities, and other risks.

Opt for an Appropriate IDV

The Insured Declared Value (IDV) represents the maximum amount payable in case of total loss or theft of your vehicle. Choosing an appropriate IDV can help ensure adequate financial protection during major claims.

Assess Your Driving Habits

How often and how far you drive can influence the type of policy that best suits your needs. If your vehicle usage is limited, you may explore flexible options such as Pay As You Drive or Pay How You Drive plans.

Consider Your Risk Appetite

Evaluate how much out-of-pocket expense you would be comfortable bearing in the event of vehicle damage. If you prefer broader financial protection, a comprehensive policy with suitable add-on covers may be a worthwhile choice.

Factor in Your Location

The area where your vehicle is primarily used or parked can impact insurance premiums. Factors such as traffic density, accident frequency, and vehicle theft rates may influence the overall risk and cost of insurance.

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

Review the policy’s inclusions and exclusions to understand what is covered and what is not. Choosing a policy only on the basis of price may not provide the level of protection you need. All coverage is subject to policy terms and conditions.
Choose Useful Add-ons^G

Add-ons serve specific purposes and may help enhance coverage based on your requirements. Assess them carefully and select only those that are relevant for your vehicle and usage. Add-ons are optional and available at an additional premium.
Review Service Quality

Check whether the insurer offers a wide network of cashless garages, a straightforward claims process, and accessible customer support. These aspects can support smoother assistance during claim situations.

Select an Appropriate IDV

A lower Insured Declared Value (IDV) may reduce the premium but can also reduce the claim amount. It is advisable to choose an IDV that reflects your car’s current market value for balanced coverage.
Understand Deductibles

A higher deductible lowers the premium but increases the amount you pay during a claim. A lower deductible increases the premium. Choose a deductible level that aligns with your comfort and financial readiness.

What is IDV (Insured Declared Value)?

The Insured’s Declared Value (IDV) in car insurance is the approximate value of your car in the market today. It is also the maximum amount your insurer may pay if your car is stolen or damaged beyond repair, as per the policy terms and conditions.

To put it simply, IDV is the current value of your car after deducting depreciation.

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

Depreciation is calculated using standard rates defined under the Indian Motor Tariff. These rates help estimate how much your car’s value has reduced over time, so the IDV stays fair and realistic.

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 Cover in Car Insurance , Engine Protect Cover in Car Insurance, etc

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).

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 Find the Best Car Insurance Quote Online?

Finding the right car insurance quote online becomes easier when you know what to look for. Here are a few points that can help you make an informed choice, while keeping everything aligned with policy terms and conditions.

Check the Insurer’s Cashless Garage Network

See whether the insurer offers a wide network of cashless garages. A larger network can help you access repair services more smoothly during a claim.

Read Customer Feedback

Customer reviews can give you an idea of service quality, claim handling, and overall experience. This helps set realistic expectations.

Understand the Claims Process

Review how simple and transparent the claims process is. A clear process can reduce confusion during stressful situations.

Check the Claim Settlement Ratio

The claim settlement ratio indicates how many valid claims the insurer has settled. It can help you assess reliability, but should be considered along with other factors.

Compare Policies Carefull

Do not rely on the first quote you receive. Compare coverage options, add-ons, and policy features to choose a plan that matches your needs.

Check for Available Discounts

Look for applicable discounts such as No Claim Bonus (NCB), long-term policy benefits, or online‑only savings, wherever available. These can help reduce your overall premium.

How to Reduce Your Car Insurance Premium?

No matter which car you drive, there are a few practical ways to help lower your car insurance premium while staying within policy terms and conditions.

Choose the Right Policy: Select a policy that matches your car’s age, usage and requirements. Older cars may not need every optional add‑on, so choosing only what you truly need can help manage costs.
Pick an Appropriate IDV: A lower Insured Declared Value (IDV) can reduce your premium, but it may also reduce the payout during a claim. It’s best to choose an IDV that fairly reflects your car’s current market value.
Review Your Add-ons:Add‑ons can enhance coverage, but each comes at an extra cost. Keep only the add‑ons that remain relevant for your vehicle; remove the ones you no longer need.
Use Your No Claim Bonus (NCB):If you haven’t made a claim in the previous policy year(s), you may be eligible for a No Claim Bonus. This can help reduce your premium at renewal, as per applicable NCB slabs.
Install Approved Safety DevicesFitting an anti‑theft device approved by ARAI may make you eligible for a small discount on the premium, as per applicable guidelines.

What is No Claim Bonus (NCB)?

No Claim Bonus (NCB) is a benefit you may receive at the time of renewal if you do not make any claims during your policy year. It gives you a discount on the Own Damage (OD) portion of your premium. Please note: NCB does not apply to the Third-Party premium.

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%

How NCB helps: NCB allows you to reduce your premium at renewal without reducing your coverage, since it applies only to the Own Damage portion.

For example: If your Own Damage premium is ₹10,000 and your Third-Party premium is ₹2,094, and you have a 45% NCB after four claim‑free years, your discount on the OD premium would be ₹4,500. Your payable premium (excluding GST) would be: ₹10,000 − ₹4,500 + ₹2,094 = ₹7,594.

(This example is only for understanding; actual premiums depend on policy terms and insurer calculations.)

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

ICICI Lombard’s Telematics Add‑on Cover is a usage‑based option that helps you personalise your car insurance premium. It is available with the Own Damage (OD) component of your car insurance policy.

The add‑on offers two plan types: Pay As You Use (PAYU) and Pay How You Use (PHYU).

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 in Car Insurance.
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 the ICICI Lombard website or log in to the IL TakeCare App.

Car Insurance - Enter Car Registration No

STEP 2

Enter your car registration number to fetch your vehicle details.

STEP 3

Choose the type of coverage you want for your car, such as Third‑Party Liability, Own Damage, or a Comprehensive policy, as per your needs.

STEP 4

Customise your plan with add‑ons like Zero Depreciation, IL Smart Assist and others, based on your preferences.

STEP 5

Review all details and complete the premium payment online to get your car insurance policy instantly.

How to Download Your Car Insurance Policy Copy Online?

Once you buy car insurance online, ICICI Lombard shares your policy document on your registered email ID and mobile number.

Download it anytime using these simple steps:

Log In

Visit the ICICI Lombard website or open the IL TakeCare App, and log in using your registered mobile number.

Go to Policy Dashboard

Head to the ‘My Policies’ or Policy Dashboard section to view all your active ICICI Lombard policies.

Download Policy Document

Select your car insurance policy and tap on “Download Policy Document.” Your policy copy will be saved instantly.

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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 a faster, smarter and more convenient way to stay protected. And when you renew your policy online via our website, you enjoy the following benefits:

No Paperwork

With the entire renewal process being completely digital, you don’t have to submit any documents or forms to renew your car insurance online.
Easy Customisation

You can easily customise your car insurance policy by modifying your IDV or adding add-ons based on your current driving needs.
Instant Coverage

You just need to review your coverage details, make any modifications (if required) and make the payment. That’s it. Your policy will be renewed instantly.

Access to Discounts

You can make the most of renewal discounts and promotional offers to reduce your payable premium whilst enjoying full coverage.
Option to Port

You can port your policy if you’re not happy with your current insurer during renewal without losing out on your NCB.

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: ••••••••••.

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: ••••••••••. 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 Car 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.

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How to Download a Car Insurance Policy?

Step-By-Step Guide on How to Check Your Car Insurance Status Online

What Is Hypothecation In Car Insurance?

Frequently Asked Questions About Car Insurance

General
Cover
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

4.8
Our customers have rated us
Based on 2226 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.

Very helpful team of ICICI Lombard, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.

Thank you for the excellent service and clarification provided in even the minute details. Helped me a lot and I got a clear insight of the ICICI Lombard car insurance services. Thank you again. Keep up the good work.

I renewed my car insurance policy online, it was a very good experience I got a very nice guidance by your team. I would like to give 5 stars rating for the service.

Your sales representative has been fantastic on his customer service skills. He has been very informative, and ensured that, I as a customer is completely comfortable before making the move to buy car insurance policy. Wish him good luck and graceful career ahead.

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To whomsoever it may concern, would like to acknowledge the excellent support provided by ICICI Lombard team in purchasing a new car insurance policy. They explained me inclusion & exclusion of a policy. Great job. Please keep it up.

I spoke with one of your representative, she was brilliant in order to make me understand all the benefits of the car insurance and very calmly shared the exclusions. Amazing customer service given by her. I wish her all the best for all her future endeavors.

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Great follow up and persistence from ICICI Lombard team. They had clearly elaborated on the options and the plan available in car insurance. They had been following up for the last 20 days with patience. Kudos!!

Hi! I received an excellent support from your sales executive to get my old Car Insurance renewed with ICICI Lombard. He explained all the intrinsic details about the policy that I was looking for. His explanation and inputs helped me to make a decision of buying this policy. I appreciate his customer centric approach and his patience.

I’d like to take a moment to express my appreciation for your team member, who was extremely helpful when I called the customer care to renew my Car Insurance policy 3001/76974158/03/000. It was good to start the year with a positive customer experience. Thanks

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.

ICICI Lombard’s agent gave me complete information about the policy benefits, including roadside assistance and coverage against third-party legal liabilities. Moreover, she satisfactorily answered my queries, and made the policy buying experience seamless and easy for me. Thanks for being so supportive.

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I had a nice conversation with your customer care executive. He explained clearly the ins and outs of your car insurance plan including benefits such as inbuilt personal accident coverage. The polite way in which he answered each and every of my questions convinced me to purchase the policy.

My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous. Though the system faced some issues with the login and vehicle description, all in all, the process of policy purchase was very easy for me.

I’m delighted with ICICI Lombard’s customer service. The customer care person was very meticulous with his follow-ups, and ensured that the process of buying the car insurance policy was quick and easy for me. Good work! Keep it up.

The agent handled our interaction in a smooth and professional manner. She was able to resolve the technical glitch I’d been facing while buying ICICI Lombard’s car insurance policy online. I really appreciate her patience, and wish her great success for the future.

I received excellent support from your customer service associate while purchasing my car insurance policy. She made regular follow-ups, resolved all my queries, and really managed to convince me to become a policyholder with ICICI Lombard. God bless her!

Just bought a car insurance policy from ICICI Lombard. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance.

The salesperson was of great help to me while I was buying car insurance from ICICI Lombard. He showed genuine interest in answering all my queries, and helped me to complete the purchase. Appreciate his patience. Keep it up!

I renewed my car insurance with ICICI Lombard today. I’m happy with the comprehensive explanation of the policy provisions that was provided by your customer service associate. He even helped me to buy an accident insurance plan. Appreciate the support.

I would like to thank your customer sales representative for helping me choose the right policy for my car. She shared with me all the information I’d requested for with regard to your insurance plan. Kudos to her for the excellent support!

My conversation with your insurance advisor regarding the purchase of my car insurance plan turned out to be quite nice. He simplified the ins and outs of the policy, principally the advantages such as personal accident cover of Rs. 2 lakh. Thanks for the lucid explanation!

I’d been looking up car insurance quotes online when your executive gave me a call. She sold me the idea of renewing my insurance with ICICI Lombard by highlighting the policy benefits like personal accident cover of Rs. 2 lakh, and coverage against third-party legal liabilities.

Had a smooth, hassle-free experience while buying car insurance from ICICI Lombard. The customer service representative gave an excellent description of the policy advantages such as cashless services across an expansive network of garages. I am glad to have made the decision to buy the plan.

Your executive spoke with me for nearly an hour in order to help me buy the right policy for my car. His precise answers to all my insurance queries has left me impressed. His dedication and devotion to his work is clearly evident. I wish him a successful career with ICICI Lombard.

ICICI Lombard’s executive was very diligent with his follow-ups. He responded to my queries in a courteous manner, and guided me through the purchase of my car insurance. I would love to interact with him again in the future for any insurance needs. Thanks for being so helpful!

Received timely assistance from your customer service department when I was looking for guidance with regard to buying car insurance. The agent had good communication skills, and explained all the important details about the policy such as the inclusions and exclusions of coverage.

Your customer service associate came to my aid when I was looking to switch my car insurer. He helped me in the best possible way to renew my policy with ICICI Lombard. Really appreciate the guidance I was provided with during the purchase.

I’d been on the hunt for a new car insurance company, and so decided to get in touch with your team. Your executive answered my queries regarding the renewal process. Her good technical knowledge of the policy prompted me to renew my car insurance with ICICI Lombard.

A big thumbs up to ICICI Lombard’s customer service! The insurance advisor I spoke with was very patient, and convinced me to buy the car insurance policy. Hope to receive a high standard of service from your other advisors too. Thanks.

Thanks to your salesperson, I was able to buy car insurance from ICICI Lombard without any complications. She was polite and respectful, and gave some valuable assistance to help me out with the purchase. I’m fully satisfied with the service provided.

Your agent spoke clearly and gave me a succinct outline of your car insurance plan. He simplified the policy buying process for me by walking me through each and every step. Looking forward to a good experience from ICICI Lombard in the future too.

I’ve renewed several of my insurance policies in the past, but my experience while renewing car insurance with ICICI Lombard was the best. Your agent explained clearly and understandably all policy-related details. I’ve decided to renew all my other insurance plans with you in the future.

Just bought a car insurance plan online from ICICI Lombard. The salesperson explained to me the policy provisions in a clear manner, especially the benefits such as coverage on replaced parts of the car. He helped me to choose a suitable plan for my insurance needs. I would like to thank him for his support.

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.

Your salesperson walked me through the terms and conditions of your car insurance plan. She spelled out clearly the policy features like coverage against loss or damage to the car by natural and manmade calamities, and other facilities offered by ICICI Lombard. I would like to wish her all the best for the future.

Read all reviews

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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