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Car insurance

Prices starting at just ₹2,094/yr_B

This amount refers to the TP rates only

Doorstep Cashless Repairs^H
Upto 50% off with NCB^F
6100+ cashless network garages^C

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Instant motor claims

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What is car insurance?

A car insurance policy, also known as vehicle insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third-party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.

Pay As You Drive

Pay lower premiums for your car insurance with Pay As You Drive add-on

Pay-as-you-drive cover operates on the simple rule that you should pay less insurance price if you drive less. Since you are not out on the road often, you have a low accident risk, and your insurance bill should reflect the same.

Depending on your driving needs, you can opt for 5000 and 7500 km/year plans. If you exceed your plan's kilometres, you can top up your insurance coverage with more kilometres for that particular policy year.

Unlike other car insurance policies in the market, these newly introduced add-ons are designed to give you more control of your vehicle insurance costs.

Since standard car insurance premiums depend on geography, make-model, and age of the vehicle and are not based on their usage, most car owners who opted for Pay as you drive policy saved on their premiums.

Our experience with the Pay as you drive policy under the Sandbox regulation in 2020 also helped us learn that 56% of customers chose to Pay as you drive over conventional insurance due to its cost-effectiveness and usage-based premiums. In comparison, 22% bought this policy due to its telematics benefits.

Key features of ICICI Lombard's car insurance

Key Feature	Benefits
Car Insurance Premium	Starts at ₹2,094
No Claim Bonus	Up to 50%
Cashless Garages	6,100+ Network GaragesC & Roadside Assistance
Add-on Covers	9 Add-on Covers
Personal Accident Cover	Up to ₹15 lakhs
Third Party Damage Cover	Covers Injuries to Third party & Property
Own Damage Cover	Covers Accidents, Natural calamities, Theft, Fire & Personal Belongings Accident Cover
Claim Settlement	Instant claim settlement via InstaSpect

What are the different types of car insurance policies?

Comprehensive car insurance policy

Comprehensive car insurance, also known as a private car package policy, is a type of auto insurance that provides complete coverage for your vehicle. It is an optional car insurance policy but is highly recommended for car owners who want the best protection for their four-wheelers.

Comprehensive car insurance covers damage caused by natural disasters, accidents, theft, fire, and other such incidents. It covers damages to both your vehicle and third-party vehicles and property. This car insurance policy also covers third-party liabilities, which will cover any legal costs or compensation you may be liable for in case of an accident caused due to your fault. In addition, some comprehensive policies also offer additional benefits such as roadside assistance, towing service and more. Even though comprehensive insurance policies tend to be more expensive than Third-Party Liability or Standalone Own Damage policies, but they offer broader coverage.

Stand-alone own-damage car insurance

Stand-alone own-damage insurance, also known as "Stand-alone OD", is a type of car insurance policy that is designed to cover damage to your own vehicle in case of an accident. It is an optional coverage that can be purchased in addition to the mandatory third-party liability insurance.

This four-wheeler insurance policy can be bought online, and it covers damages to your own car in case of any natural or man-made disasters such as accidents, fire, theft, and so on.

If you own an older car or a car that is not in the best condition, purchasing a Stand-alone OD policy is highly recommended as it will cover the cost of repairs, or in case the car is beyond repair, the policy will cover the market value of the car.

When you buy car insurance online, you can choose the coverage limit that best suits your needs and budget. Stand-alone OD policies do not cover damage to third-party vehicles or injuries to third-party individuals; for that, you need to have a separate third-party liability insurance coverage.

Third party car insurance

Third-party liability car insurance is a mandatory car insurance policy legally required to drive any car on Indian roads. This car insurance policy protects you from any legal responsibility in an accident where you may have caused harm to someone or their property by mistake. This car insurance policy also covers the cost of damage caused to a third party's vehicle.

When it comes to buying car insurance online, this is a must-have for any car owner as it acts as a safety net that financially protects you in case of an accident.

It's important to note that this car insurance policy only covers the compensation that you may have to pay to the person you caused damage to. It does not cover any damage to your own car or injuries to yourself or your passengers. Therefore, buying a separate policy like Standalone Own Damage Insurance or a Comprehensive Insurance policy is necessary to cover damages to your vehicle.

The coverage limit for third-party liability insurance is set by the Indian Motor Tariff and is currently at ₹7.5 Lakh for injury/death of one person, ₹15 Lakh for injury/death of multiple persons and ₹2 Lakh for damage to third-party property.

Zero Depreciation car insurance

As your car ages, the value of its parts decreases or depreciates. If it gets damaged in an accident, your insurer will only pay its current value, which could be way less than what you paid to purchase your car. With zero depreciation cover, the insurance company offers 100% coverage for all fibre, rubber and metal parts without depreciation deduction.

Also known as "bumper-to-bumper" or "nil depreciation" insurance, the Zero Depreciation add-on policy is particularly useful for new cars, as it makes sure that you get the total value of the parts that need to be replaced without having to pay for any depreciation.

When you buy car insurance online, you can add this coverage to your comprehensive insurance policy. It is also available as a standalone policy for four-wheeler insurance. With Zero Depreciation car insurance, you can avoid the hassle of calculating the depreciated value of the damaged parts and can get them replaced with new parts without any additional cost.

Comprehensive Car Insurance	Third-Party Car Insurance
Covers damages to your own car and third-party liabilities	Covers third-party liabilities only
Provides complete protection for your car	Only covers legal liabilities
May include add-ons like zero depreciation, roadside assistance, etc.	Only includes mandatory third-party coverage as per law
Higher premium as compared to third-party insurance	Lower premium as compared to comprehensive insurance
Can be purchased online or offline	Mandatorily needs to be purchased before registering a car

Comprehensive car insurance is a more comprehensive policy that covers not only third-party liabilities but also damage to your own vehicle. On the other hand, third-party car insurance only covers legal liabilities in case of an accident. Comprehensive car insurance also offers add-ons like zero depreciation and roadside assistance, whereas third-party insurance only includes mandatory coverage as per law.

Comprehensive car insurance has a higher premium as compared to third-party insurance, but it provides complete protection for your car. The choice between the two depends on your budget and the level of coverage you desire. You can easily buy car insurance online or offline, but third-party insurance is mandatory and needs to be purchased before registering a car.

How to choose the right car insurance policy online?

What kind of coverage you need:

Choose from options like liability, collision, comprehensive, or personal injury protection.

How much your car is worth:

Make sure the cost of your insurance policy matches your vehicle's value.

How you drive:

Your driving habits, such as how often you drive and what type of driving you do, can affect the cost of the insurance if you opt for pay-as-you-drive or pay-how-you-drive policies.

How much you're willing to pay out of pocket:

Think about your budget and how much risk you're comfortable with. In case of an accident, if you’re not comfortable spending money from your own pocket for your car repairs, opt for the Own Damage cover instead of a Third-party policy.

Where you live:

Car insurance online costs can differ based on traffic and crime in your area.

Discounts:

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

Before buying car insurance online, read the policy details and fine print, and ask questions to clarify anything you need help understanding. Regularly reviewing your car insurance policy can help ensure that it continues to meet your needs and that you're not overpaying for coverage you don't need.

Why should you buy a comprehensive car insurance policy?

Third-party car insurance is mandatory

As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.

Saves you from traffic fine

As per the new Motor Vehicle Act 2019, you can get a traffic fine of ₹2000 for driving without car insurance. If you get caught for a second time, the penalty would be ₹4000.

Provides personal accident coverage for
owner driver

Our car insurance policy provides ₹15 lakh coverage for injuries to the registered owner driver while travelling in the car, or getting in or off the car.

Gives easy access to cashless garages

We have a network of 6100+ cashless garages that take care of your car post damage. We pay for the repairs as per the claim and settle the dues directly with the garage.

Covers damages to the car

Our car insurance policy covers any damages to your car due to accidents or natural calamities and takes care of the repair costs.

Covers your car against theft

In case your car is stolen and cannot be recovered, we pay for your loss.

Why should you buy car insurance online from ICICI Lombard?

We make life simpler!

Affordable premiums, easy renewals, quick claim settlement are some of the key features of our private car package insurance policy. We also have a set of certified workshops that provide digital survey for speedy claim processing, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assurance on repairs.

Besides, we also offer unique additional covers at a nominal extra premium that can significantly boost your car insurance plan. By opting for add-ons in a car insurance policy, you can save a lot of money in repairs.

What’s included and what’s not?

Inclusions
Exclusions

What’s included:

Coverage for natural disasters like earthquakes, floods, fires and storms
₹15 lakh Personal Accident Cover
Cashless repairs in 6100+ network garages
9 add ons to choose from
Coverage for theft, accidents and terrorist activities
Third-party legal liabilities cover
No claim bonus up to 50%
Instant claim settlement via InstaSpect

What’s not:

Car wear & tear and ageing
Mechanical or electrical breakdown
Damages while driving under the influence of drugs or liquor
Damages while driving without a valid license
Any consequential loss
Loss/damage due to war, mutiny or nuclear risk

Policy documents: Private car package policy wordings | Stand-alone own damage private car insurance policy wordings | Private car liability policy wordings

ICICI Lombard car insurance plan add-on benefits

Choose from an assorted range of add-ons, for an additional premium, when buying ICICI Lombard car insurance online.

Roadside assistance cover

Helps you in case of a breakdown/accident with – towing to network garage, battery jumpstart, minor repairs, on-call support and taxi benefits.

Engine protect cover

Pays for repair or replacement of a damaged engine. A handy add-on for those who stay in a region prone to flooding during the rains, or if you own a high-end car.

Consumables protect cover

Pays for repair or replacement of nut and bolt, screw, washer, grease, lubricant, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, break oil and related parts.

Zero depreciation cover

As your car ages, the value of its parts decreases or depreciates. At the time of a claim, Zero Dep. cover compensates you for the claim amount that gets deducted because of depreciation.

Garage cash cover

Gives a daily allowance for alternate travel while your car is repaired at the garage. You can use this money to pay for cab or auto fare.

Loss of personal belongings cover

Covers personal belongings, such as your laptop, phone and clothes in your car. It has you covered, in case these belongings go missing from your car or get damaged in an accident.

For detailed terms & conditions of above covers, read Private car package policy wordings , Stand-alone own damage private car package policy wordings

How does ICICI Lombard
car insurance work?

ICICI Lombard car insurance is easy to buy and renew online. Once you purchase our car insurance policy, we email your policy documents and also send a hard copy by post. You can then drive worry-free, because –

Our car insurance covers you for natural and manmade calamities
We’ve got 6100+ network garages for cashless repairs in case of damage
Claiming is easy through our call centre, website and app

Locate your nearest cashless garage

We have a network of

6100+ cashless garagesc

Please enter valid city Find garage

For doorstep cashless claims, call 1800 2666

Car pick-up & drop
Dedicated claim manager
Service quality assurance
Regular WhatsApp updates & tracking

Know more T&C apply

If you are an existing policyholder of erstwhile Bharti AXA General Insurance,
click here to locate your nearest network garage.

Why should you buy a car insurance policy online?

It’s fast and convenient! Explore coverage, choose add-ons, and make the payment in just a few minutes.

Instant quote

Just enter your car registration number and contact details to get an instant quote.

Quick & hassle-free policy

It only takes a few minutes to buy car insurance online. Pick a plan that suits your needs, share a few details, make payment and that’s it! Your policy is issued in no time.

Advice from insurance expert

Got questions? Our experts will answer all your policy related queries so that you have all the information you need.

No paperwork

You don’t have to submit any documents or fill any physical forms. Just submit a short online form, make online payment and get your car insurance policy issued with zero paperwork.

Touchless policy issuance

No human contact is needed when you buy car insurance from online. You can even complete inspection online on our IL Take Care app in case you have a gap/ break in your policy.

Transparent process

No hidden fees or charges. You get to choose the plan & coverage and customise it the way you want. What you see is what you get.

Things to keep in mind while buying a car insurance policy

Policy coverage

Check the policy inclusions and exclusions thoroughly to know what’s covered and what’s not. Choose the right type of policy & coverage to ensure that you are well protected at the time of claim.

Add-ons

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 reasonably.

Service benefits

Availability of cashless garages, easy claims process and reliable customer support are a must.

Right Insured Declared Value (IDV)

While you can save on premium by choosing a lower IDV, it will serve you good at the time of claim if you get an IDV close to your car’s market value while buying the policy.

How is car insurance premium calculated?

Your car insurance premium includes three major components:

Third-party liability premium – this is stipulated by the Insurance Regulatory and Development Authority of India (IRDAI), and it is directly proportional to your car’s cubic capacity.

Cubic capacity	Premium with effect from 1st June 2022 (Rs.)
Not exceeding 1000 cc	₹2,094
Exceeding 1000 cc but not exceeding 1500 cc	₹3,416
Exceeding 1500 cc	₹7,897

Own damage premium – this is calculated as IDV X [Tariff Rate] – [Discounts] + Add On Covers

Personal accident cover premium + Additional covers

Factors that affect these three components and your final car insurance price, include:

IDV – IDV is the maximum amount you can claim under your policy. The higher your car’s market value, the higher your IDV and premium will be.
Make and model - Higher-end models are insured at a higher price, simply because the cost of repairs/replacement for such vehicle 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 – Certain new cars may be costly to cover since their spare parts may not be available yet.
Location - Since urban areas have denser traffic, there’s a greater probability of accidental damages. Thus, your premium may vary depending on your location.
Claim history – If you have made no car insurance claims in the past year, you stand to gain a No Claim Bonus on your premium.
Add-ons – A small additional cost will be included in your premium for the add-ons you pick.

What factors impact Insured’s
Declared Value (IDV)?

IDV plays a key role in determining your car insurance price

In a car insurance policy, the Insured’s Declared Value (IDV) is the fixed value at which we insure your vehicle. We calculate the policy sum insured based on the manufacturer's listed selling price of the vehicle + the listed cost of any accessories. We derive the amount after deducting the depreciation for every year as per the Indian Motor Tariff.

Suppose you have installed any electronic item in the car, which is not included in the manufacturer's listed selling price. In that case, we add the actual value (after depreciation) of the item to the policy sum insured over and above the IDV.

How can you save on your
car insurance premium?

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

No Claim Bonus

If you made no claims in the past years, you get up to 50% NCB.

Security measures

If you’ve taken special measures to keep your car from getting stolen, you are eligible for a discount on your car insurance premium. Typically, you would receive a 2.5% discount for fitting an anti-theft device (approved by ARAI) on your car.

It is unwise to reduce IDV to save on premium. In case of an accident, you would find yourself at a disadvantage. Instead, ride safe and take security measures to get discounts on car insurance.

How do you get an online
car insurance quote?

It’s quite simple -

Enter your car registration number and your contact details here.
Check out the covers at affordable prices for your car and select the cover you like.
You can also personalise your plan with useful add-ons like Roadside Assistance, Zero Depreciation, Engine Protect, Garage Cash & Consumables Protect.

Based on your choices, we will calculate and display your premium instantly.

What are the benefits of renewing your
car insurance online?

Renewing your car insurance online is just a matter of a few clicks. Some of the benefits of online car insurance renewal include -

Fast and convenient
No break in coverage
No additional paperwork
No claim bonus
Instant policy

What are the benefits of renewing your car insurance online?

Why renewing your car insurance policy on time is important?

Renewing your car insurance on time is important and mandatory for several reasons:

Legal compliance: It is mandatory to have a valid car insurance policy. Driving without insurance can result in legal consequences, such as fines or imprisonment.

Financial protection: Renewing your car insurance policy on time ensures financial protection in case of an accident, theft, or other unexpected events. This means you won't have to pay for damages or injuries out of your pocket.

Continuous coverage: If you renew your car insurance policy on time, you will maintain continuous coverage, which is important if you get into an accident or have a claim.

No-Claim Bonus: If you have a no-claim bonus and renew your policy on time, you will maintain the bonus, which can result in a lower premium.

Peace of mind: A valid car insurance policy provides peace of mind knowing that you are protected if anything unexpected occurs.

If your policy expiry is too far way, set up a reminder with us below:

Policy expiry too far away?

Set up a reminder and get renewal offer from us.

Please enter the below details

Mobile number ^*

Policy expiry date^*

Submit

I agree to the Terms and Conditions

I wish to get policy details on my

Steps to raise a car insurance claim online

When you’re shopping for the right car insurance online, here are some points to remember.

To file a claim for your car insurance policy, you can follow these steps:

Legal compliance: It is mandatory to have a valid car insurance policy. Driving without insurance can result in legal consequences, such as fines or imprisonment.

Register your claim via the website here
Call us on our 24x7 toll-free number 1800 2666
"File a claim" on the IL Take Care app
SMS CLAIM to 5757

Submit your claim by providing your Policy/Cover note number mentioned on your policy document, your four-wheeler vehicle's Chassis/Registration no, and the nature of the incident with your car. Was it damaged or stolen?

Instaspect: Complete a video survey of your car (only in case of car damage)

Login to IL Take Care app and add your policy.
Click on Claims, then click on File a Claim using InstaSpect#.
Add your motor claim info, such as location, time and date of loss, and a short description of the damage.
We'll initiate a live survey on the app. Make sure you're in a well-lit area with smooth internet connectivity for the digital survey.
We will guide you to show the vehicle from different angles. Photos will be captured and synced at our end.
Upload the necessary documents, along with the e-claim form for repair approval. And you're done! initiate a live survey on the app. Make sure you're in a well-lit area with smooth internet connectivity for the digital survey.

Provide supporting documents required to process your claims successfully.

The insurance company will assess the damage to your car and determine the amount covered under the policy. They may also request additional information or documents if needed.

Documents required for filing a car insurance claim online

Documents required for filling a car insurance claim online:

Completed claim form
Copy of registration certificate (RC) (in case of a new vehicle which is less than 3 months old and RC is not available, tax receipts and vehicle purchase invoice is collected)
Aadhar/PAN card

In case of a reimbursement claim:

Original claim form with NEFT mandate form (NEFT form is required only for non-cashless cases)
Copy of registration certificate (RC) (in case of a new vehicle which is less than 3 months old and RC is not available, tax receipts and vehicle purchase invoice is collected)
Copy of the driving license of the person driving the vehicle at the time of the accident
Copy of policy
Certified copy of one officially valid document & PAN card/form 60
FIR or police report (depending on loss type). If it's a theft, report the incident to the police immediately.
Garage estimate
Repair invoice
Cancelled cheque (in case of non-cashless settlement)

In case of total loss and net salvage claims:

All basic documents
Original RC
Original policy schedule
Form 28, 29 & 30 (three copies), duly signed by the insured
Indemnity bond
Copy of PAN card
FIR (wherever required)
NEFT form and cancelled cheque
No Objection Certificate (NOC) and Form 16 if the vehicle was taken on loan

Documents required for filing a car insurance claim online

Car insurance blog articles

General
Cover
Premium
Claims
Policy

Why do I need to insure my car?

In India, third-party car insurance is compulsory for all car owners. Moreover, own-damage car insurance covers you in case of accidents, theft and fire. In case of any untoward incident, you don't have to pay out of pocket for repairs or replacement if you have a valid insurance policy.

What are the benefits of buying car insurance online?

Following are the benefits of car insurance. When you buy car insurance online, you get an instant policy, as there is no documentation or paperwork involved. You also have the advantage of choosing from multiple payment options, e.g. credit card (Visa, Master, AMEX card), net banking, debit card etc.

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

You can insure a private car and two-wheeler online.

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 the vehicle details, contact info and insured details, and pick the covers you need. Once you make the payment, you receive an instant car insurance policy.

Are offline and online car insurance policies the same?

Yes, they are. In case of online car insurance, once you make payment, we send the policy documents to your email and your registered address.

Where can I check my car insurance policy details?

You can check all your car insurance details in your policy documents. You can also login to our website or IL Take Care 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 an endorsement in car insurance?

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

Do I need a valid PUC to drive in India?

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

Do I need to have a valid insurance policy to get my new vehicle registered?

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

What is third party liability cover in a car insurance plan?

Third party liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party Insurance covers the following losses:

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

Does the ICICI Lombard car insurance policy cover partial theft?

We cover partial theft, as per the terms and condition of your policy. Please note that theft (both partial and complete) is covered under the policy's own damage section.

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

Yes, you can, if you do not have a valid driving license or if your vehicle is registered in the name of a corporate.

What is Road Side Assistance (RSA) in a car insurance policy?

Road Side Assistance in car insurance is a cover that provides you with the necessary help in case you are stranded on the road when your car breaks down. For example, breakdown cover may include jump starting an automobile, towing a vehicle, changing a flat tyre, providing a small amount of fuel when a car runs out of it, or helping people locked out of their cars. Please refer to the policy wordings for terms and conditions.

What is Zero Depreciation (ZD) in a car insurance policy?

Usually, when you file a claim under your car insurance policy, you have to pay for the cost of depreciation of your car parts. If you opt for Zero Depreciation add on cover in car inurance(by paying additional premium), we will cover all the repair/replacement costs without factoring the depreciation element.

What is covered under ZD?

The following costs are covered under ZD:
Repair and replacement costs of fiber part, rubber, batteries, air bags, nylon and plastic parts, denting, painting, and fibre glass.

Do we cover engine in ZD?

Yes, we do. However, this benefit is applicable in case of accidental damage to the engine only. In order to cover consequential losses to the engine, you can opt for the Engine Protect Plus add-on.

What is Engine Protect Plus?

Engine Protect Plus is an add-on, available by paying additional premium. It pays for repair or replacement of an engine, damaged due to water ingression/leakage of lubricating oil.

What is Key Protect cover in car insurance?

This add-on cover secures your car keys and locks against theft or damage. It 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 Cover is an add-on, available by paying additional premium. If your car is under repair in an authorised garage after an accident, we pay a fixed daily allowance. You can use it for alternative transport. Please refer to the policy wordings for terms and conditions.

Do you cover rat bites in the policy?

Yes, we do cover as per terms and conditions.

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

Yes, we do cover these damages.

What factors affect my premium amount?

Following key factors determine car insurance premium -

The cubic capacity of the engine
Age of car
Geographical zone
Type of model
IDV (Insured Declared Value)

What are the different modes of payment on icicilombard.com?

You can choose between any of these payment options to pay your premium online:

Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
Debit Card – Just enter your bank’s debit card details to pay your insurance premium directly.
UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
EMI - Use the credit/debit card EMI facility to pay your premium in instalments.

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

Yes, you can avail a 2.5% discount on Own Damage (OD) premium, subject to a maximum of ₹500. This is applicable if your vehicle is fitted with an anti-theft device approved by the Automobile Research Association of India (ARAI), Pune as per GR 28 of IMT.

Why should I notify my claim to the insurer directly?

Intimate the claim with us before going to the garage & you can get these benefits at our certified preferred garages^F:
1) Quick survey (within four working hours)
2) Quality assurance for repairs done under claim for six months or 6000 km, whichever is earlier
3) Complimentary vehicle body wash
4) Complimentary sanitisation - on major touch points
5) Complimentary towing at the time of the accident

How do I register my claim?

Here's how you can file a car insurance claim - Contact our toll-free helpline 1800 2666 or use IL Take Care app to register your claim and get a claim number/ reference number. You can also directly register your request online*, with our Lodge A Motor Claim service. *Please note that as of now, we can process only accidental damage claims through the 'Lodge A Motor Claim' interface.

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

You can make any number of claims in the year.

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

Cashless 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. Non-cashless/Reimbursement: 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.

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

Deductible in car insurance refers to the minimum deduction stipulated under motor insurance regulations to be deducted for each claim. This amount is deducted from the claim amount.

How many times can I claim for Roadside Assistance service during the policy period?

You can avail this service for a maximum of four times. You would be able to claim only for the services opted by you at the time of policy issuance.

Will my NCB be impacted if I claim for Loss of Personal Belongings (LOPB) & Key Protect?

No, NCB will not be impacted, in case you have only raised LOPB or Key Protect claims in the year.

What are the different types of car insurance policies?

We offer four types of car insurance policies online:

Third party car insurance
- This policy covers legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then this policy will cover resulting legal expenses.
Stand-alone own-damage car insurance
- This policy covers your car against accidental damages, theft and natural/manmade disasters. To buy this insurance, you should have an active third-party insurance policy of the vehicle.
Private car package policy
This is a comprehensive car insurance policy that covers:
- Your own vehicle’s damages/theft
- Third party legal liability expenses
Bundled policy
- This type of insurance is available in case of a new car. It includes a 3-year third party cover and one-year own damage cover, bundled together in a single plan. You can opt to renew your own damage insurance on a yearly basis after the first year.

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

Car insurance covers damages to your own car, as well as the damages your car makes to others & surrounding property. Some of the risks it covers include fire, theft, natural calamities, explosion and self-ignition.

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

The Insured Declared Value (IDV) in a car insurance policy is the maximum amount we can pay out in claims to you. It is derived as per the market value of your car, at the time of policy purchase.

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

When you buy car insurance online from us, we email the policy documents to you. In case you can't find the original copy, you can download the car insurance certificate/policy from your email again. You can also login to the IL Take Care app to download the duplicate copy of your car insurance policy online.

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

You need to fill 29/30 form from RTO and get the acknowledgement slip to get the new policy on your name.
You need to submit this to the insurance company along with fresh proposal form along with vehicle inspection.

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

Yes, you can.
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.

When should I renew car insurance?

Car insurance is available in annual and long-term (3 years) options. Follow these essential tips to renew car insurance - Irrespective of the policy term, 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^F.

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?

Here's how you can transfer your car insurance policy - Under Section 157 (2) of the Motor Vehicles Act, the new car owners will have to apply to us within 14 days of the transfer. We shall make the necessary changes and get the policy transferred in their name.

Is my No Claim Bonus (NCB) transferable?

Yes, if you are our customer, or are switching to ICICI Lombard from any other insurance company, and have accrued some NCB from your previous insurer. You can get the same transferred if you renew car insurance within 90 days after expiry (subject to no claim). The same applies if you are switching from ICICI Lombard to other insurance company.

I have bought a new car and want to transfer my old car's NCB (from another insurer) on to the new policy (ICICI Lombard). What will be the process?

Get NCB^F reserving letter of your old car from the previous insurance company.
After this, you can book your new car's fresh policy, with NCB benefit, through ICICI Lombard.

Reviews and ratings

4.6
Our customers have rated us
Based on 456 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.

I am extremely satisfied with the way your Customer Support Executive addressed my need over phone and helped me renew my car insurance policy which was expiring today. His excellent service encouraged me to take this policy from ICICI Lombard instead of going to some other service provider. Keep up the good work.

I was serviced by your team, they explained all the silent features of the car insurance policy and helped me to renew my car policy from ICICI Lombard.

I am very much impressed with the customer care representative of ICICI Lombard, who helped me in the process of renewing my car insurance policy over the phone. She explained each and every information of a policy. Thank you.

I am really delighted by the support, guidance and behavior of ICICI Lombard representative. The way she has guided me it’s really outstanding. "A Brand cannot be created by advertisement, it can be created only by good Customer Experience" A real caring human touch for the customer. She is an asset for any Organization. All the Best, Thank You

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.

It was a pleasure interacting with your team to buy an insurance policy for my car. They had a great understanding of the product and its features. An absolute customer delight.

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.

I got a prompt and excellent service from ICICI Lombard while purchasing a car insurance plan. Your agent gave me a comprehensive explanation about the benefits of the policy, including roadside assistance for accommodation and minor car repairs. Thanks for the fantastic experience!

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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Car insurance

Why our customers love us?

What is car insurance?

Pay As You Drive

Key features of ICICI Lombard's car insurance

What are the different types of car insurance policies?

Comprehensive car insurance policy

Stand-alone own-damage car insurance

Third party car insurance

Zero Depreciation car insurance

Comprehensive car insurance vs Third party car insurance

How to choose the right car insurance policy online?

Why should you buy a comprehensive car insurance policy?

Third-party car insurance is mandatory

Saves you from traffic fine

Provides personal accident coverage for owner driver

Gives easy access to cashless garages

Covers damages to the car

Covers your car against theft

Why should you buy car insurance online from ICICI Lombard?

What’s included and what’s not?

What’s included:

What’s not:

ICICI Lombard car insurance plan add-on benefits

Roadside assistance cover

Engine protect cover

Consumables protect cover

Zero depreciation cover

Garage cash cover

Loss of personal belongings cover

How does ICICI Lombard car insurance work?

Locate your nearest cashless garage

6100+ cashless garagesc

For doorstep cashless claims, call 1800 2666

Why should you buy a car insurance policy online?

Instant quote

Quick & hassle-free policy

Advice from insurance expert

No paperwork

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Transparent process

Things to keep in mind while buying a car insurance policy

Policy coverage

Add-ons

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Right Insured Declared Value (IDV)

How is car insurance premium calculated?

What factors impact Insured’s Declared Value (IDV)?

How can you save on your car insurance premium?

No Claim Bonus

Security measures

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Why renewing your car insurance policy on time is important?

Policy expiry too far away?

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Does the ICICI Lombard car insurance policy cover partial theft?

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

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Provides personal accident coverage for
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