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08/12/2020 11:53:14
Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.
Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.
A comprehensive car insurance policy offers a 360-degree protection to your car. It compensates you financially if your car gets damaged due to natural or man-made disasters, including accidents, theft, fire, vandalism., etc. This policy also covers third-party liabilities if your car causes damages to a third party.
Top features of a comprehensive car insurance policy are:
Protects against damages to your car due to accidents, theft, fire, natural disasters including floods or earthquakes, and man-made events such as vandalism or riots.
Covers legal and financial liabilities if you cause injury or damage to another person or property while driving.
Offers coverage for medical costs for injuries or death while driving.
No Claim Bonus in car insurance ensures the insurer pays the full cost of car parts without considering depreciation during claims.
Allows you to boost coverage with add-ons like zero depreciation, engine protection, roadside assistance, and more.
A cashless car insurance policy enables cashless repairs at network garages.
Offers round-the-clock assistance for any claims or queries related to your policy.
Buying a comprehensive car insurance policy from ICICI Lombard brings multiple benefits. These include:
A comprehensive car insurance policy from ICICI Lombard is easy on the pocket.
Get your car repaired at any of our 5900+ network of cashless garages.
Get a no claims bonus of up to 50%.
Choose from various add-on covers to fortify your coverage.
Make instant claims with the IL TakeCare app .
Contact our executives anytime needed through multiple modes of communication, including chat, email, and more for any queries 24X7
Go through the policy documents to get a complete list of inclusions.
Read the policy documents to get the complete list of exclusions.
Policy documents: Downloads
There are several add-ons available under a comprehensive car insurance policy that you can choose to fortify coverage. Some of the common add-ons available are:
Zero Depreciation Cover ensures the insurer pays the full cost of car parts without considering depreciation during claims.
Engine Protection Cover protects the engine from damage due to water ingression, oil leakage, or other non-accidental causes.
Roadside Assistance Cover provides 24/7 help for breakdowns, towing, minor repairs, and fuel delivery.
Consumables in car insurance cover the expenses of consumable items like engine oil, nuts, bolts, and lubricants, among others.
Note that you need to pay premiums up and above the base policy for each add-on chosen.
While buying a comprehensive car insurance policy is a wise choice for anybody who owns a car, it should definitely be purchased by:
If you own a new or expensive car, comprehensive insurance provides extensive coverage against damage, theft, or natural calamities.
People living in areas prone to vandalism, theft, or extreme weather conditions should consider comprehensive coverage for better protection.
If you frequently drive long distances or travel on highways, you can benefit from comprehensive insurance.
If you want complete financial protection for your car against unforeseen events, comprehensive insurance is a good choice.
You should buy a comprehensive car insurance policy for:
A car insurance policy provides financial security by covering repair costs and reducing out-of-pocket expenses.
A comprehensive car insurance policy has built-in third-party insurance. It ensures you comply with legal requirements, avoiding penalties.
Knowing you have coverage in case of unexpected incidents, such as accidents or theft, offers peace of mind while driving.
The personal accident cover in a comprehensive car insurance policy helps you cover your medical expenses in case of an untoward incident, thus preventing a dip in savings.
To calculate premiums:
These will give you an estimate of the premium you need to pay. You can also use an online car insurance calculator to determine the premium you need to pay towards your policy.
Yes, comprehensive insurance does cover personal accidents. This means that if you get injured while driving, the insurance policy will cover your medical expenses and hospitalization costs. The amount of coverage may differ across policies and insurers. This cover goes a long way in providing you with a financial cushion in case you suffer losses due to an accident.
The table highlights the major differences between comprehensive car insurance and third-party car insurance plans on various parameters to help you understand them better.
To buy a comprehensive car insurance online:
To raise a claim:
Some vital things to keep in mind while raising a claim are:
Understand the policy's coverage details and exclusions before filing a claim
Take clear photos of the damaged vehicle in the accident scene
Ensure to fill in accurate details in the claims form and review the form before submission
Make sure to submit all the necessary documents, including policy copy
Maintain copies of all correspondence and papers related to your claim
Cooperate with your insurer if asked for any extra documents
Keep track of the status of your claim to know if your claim is approved
Once approved, get your vehicle repaired at approved garages only
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