Get Road Side Assistance service on Car Insurance, along with cashless services across 3300+garages.
Escape expenses arising from natural and man-made calamities with comprehensive coverage
Increase your knowledge on car maintenance, car models, car accessories and lots more
A Flexible health insurance plan for your family to suit your needs
An enhanced Sum Insured, designed to supplement your existing health
Worldwide coverage against Accidental Death and Permanent Total Disablement (PTD)
Secures International Travelers against unexpected medical and non-medical expenses
Gives peace of mind to Senior Citizens traveling abroad against medical and non-medical expenses
Secures and relieves Frequent Fliers from unnerving, medical and non-medical expenses
Covers medical and non-medical expenses for students studying abroad
Shield your home structure and
/or contents against naturals
calamities and man-made

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(Motor, Health or Travel)
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Car Insurance

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Car Insurance - Policy Details

At ICICI Lombard we understand that your car is the most valued possession & it is dearest to your heart.

Key Benefits

  • Immediate policy copy issuance online
  • If anything happens to your car, remain assured that we will be just a call away. With Road Side Assistance cover, you can avail assistance anytime and anywhere. Click here to know more
  • Now, get daily allowance when your car is in the garage with our Garage Cash Cover. Click here to know more
  • Cashless servicing facility at 3350+ network garages across India^.
  • Zero Depreciation Cover#. Avail coverage on replaced parts with zero deduction for depreciation. However this endorsement shall be applicable to the first two (2) claims during the policy period. # For more details on terms, conditions and exclusions please refer to the Branch Executive or call at our toll free number 1800 2666".
  • Accidental cover facility for co-passengers up-to Rs. 2 Lac
  • Avail off No Claim Bonus (NCB)*. This benefit is valid if you haven't claimed in your old policy. This is also valid if your previous policy was not with ICICI Lombard.
  • Set Renewal Reminder to to receive policy renewal reminders
Garage Cash Cover
  • When your car is in the garage, commuting becomes a tough task to do. Well you can always remain prepared for such situations with the Garage Cash cover.
  • With this cover, you get a daily allowance for each day your car is under repair in the garage
  • A total daily allowance of Rs. 500 will be provided to you as conveyance expenses while your car is in the garage.
Terms & conditions apply. Click here..
Road Side Assistance

With Road Side Assistance service you can avail the following benefits:
  • Flat Tyre Change Arrangement
  • Battery jump start
  • Arrangement of spare key
  • Breakdown support over phone
  • On spot technician for Minor Repairs
  • Towing of vehicle to the nearest garage on breakdown/accident*
  • Arrangement of rental vehicle**
  • Arrangement/supply of fuel**
  • Accommodation arrangement**
  • Message relay- Facilitate passing on urgent messages to relatives/colleagues as needed during emergency

* Free up to first 50 KM from breakdown spot. Beyond which chargeable at actual.

** Actual cost to be borne by the insured. Arrangement is free.

For more details on risk factors, terms, coverages and exclusions, please read the sales brochure carefully before concluding a sale.

T&C Apply

Know more about key benefits
Key Benefits
  • Doorstep surveyor facility in case of break in insurance.
  • Get towing assistance in case of a vehicle breakdown or an unfortunate accident.
  • Voluntary deductible is applicable in the event of claim when the amount you opt for is over and above the compulsive deductible. Final Claim amount will be after deduction of depreciation on parts, VD and compulsory deductible as per IMT)
  • Automobile Associations members can get up-to 5% discount.**
  • Get coverage against third party liabilities with your comprehensive car insurance policy
  • Up-to 2.5% discount on ARAI Automobile Research Association of India approved anti theft devices,

* NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available; provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in form of a written declaration or renewal notice or a letter confirming the NCB entitlement from the previous insurer. Click here to view the wordings of the written declaration.
** Valid on Own Damage Premium and subject to a maximum of Rs 200.
***This service is offered by the banks and ICICI Lombard General Insurance Company Ltd. holds no responsibility or owes no liability in case of this facility provided by the banks to it's customers."
^ 3350+ garages as of 15th Nov 2015. For updated list click here.

Sum Insured and Coverage

What is covered

What is covered
  • Loss or Damage to your vehicle against Natural Calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Loss or Damage to your vehicle against Man-made Calamities
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Personal Accident Cover
    Coverage of Rs 2 Lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers available.
  • Third Party Legal Liability
    Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.
For more details, kindly refer to the Policy Wordings.

What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
Know more about what is not covered
What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement.
  • Vehicles including cars being used otherwise than in accordance with limitations as to use.
  • Damage to/ by a person driving any vehicles or cars without a valid license.
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
  • Loss/ damage due to war, mutiny or nuclear risk
For details, kindly refer to Policy Wordings.

Sum Insured
  • All vehicles are insured at a fixed value called the Insured's Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
Know more about sum insured
Sum Insured
  • All vehicles are insured at a fixed value called the Insured's Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
  • If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer's listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.
  • In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/ LPG, permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form.

Claim Process


Understanding a Comprehensive Car Insurance Policy

All India Garage List

Drive Home Safe

Drive Home Safe

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Secure your car and drive home safely. Car insurance guide not only informs on saving money in case of accidental damage but also ensures that you are well updated on safety norms of driving cars.

Quick guide to your car policy

Four wheeler Product Code: Motor 01
Policy Wordings| pdfIconView Product Brochure| emailIcon Email Brochure
Review PersonCustomer Reviews
Average Rating:
2,927 Ratings | 2,927 Reviews
Jatinder Alagh
April 30, 2016
It was very good experience working with ICICI lombard customer service agent. He explained the product and provided all the details to close the deal quickly.
Sudheer Dacha
April 30, 2016
This afternoon I received a call from your team, regarding my request for car insurance renewal quote. They had very clearly step by step explained policy details and patiently answered all my queries to my satisfaction. Their product knowledge is very vast, which allowed them to address all queries with ease. I appreciate their presentation and convincing skills and thank them for helping me out in getting my car insurance.
Shashikanth Pisse
April 30, 2016
Thank you for issuing car insurance. It will be really goor for you to introduce a sticker for sticking on my car saying that "This car is insured by ICICI Lombard with Policy Number and validity and toll free number".
Jagdish Lakshmanan
April 30, 2016
The team was really good in explaining and convincing me about the car insurance. All details related to the product were explained and they also arranged for a speedy inspection and disbursal of the insurance. Thanks team and Lombard.
B. George
April 30, 2016
I appreciate the quick response from the ICICI Lombard team. Their patience and promptness in service is very good. I did not expect to get my policy renewed today. But thanks to the excellent customer service from your company. I specially would like to thank the service team for being helpful, efficient and patient in guiding me through the policy rules, etc. and helping me through to renew my policy as well. Good customer service. Keep it up!
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