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Comprehensive Car Insurance

  • Pan-India network garages
  • Value for money
 

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Understand your vehicle registration number

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.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

What is Comprehensive Car Insurance?

No matter how carefully you drive, the road has a way of surprising you. Accidents, theft, fire, floods, and vandalism are not just worst-case scenarios; they happen to real people, often when least expected. A comprehensive car insurance protects your car against damage and also covers third-party liability if you cause injury or property damage. It helps reduce out-of-pocket expenses when things go wrong.

And if you want even more peace of mind, you can enhance your policy with add-ons tailored to your needs. These can include zero depreciation, roadside assistance, engine protection, consumables cover, or NCB protection to guard the no-claim bonus you have worked to maintain. Because the right insurance is not just about your car. It is about knowing you are covered, whatever comes your way. 

Car Insurance Policy Online

Benefits of Buying ICICI Lombard Comprehensive Car Insurance Policy

Here is what makes this policy useful:

All-Round Protection 

A comprehensive policy does more than cover third-party liabilities. It also protects your own car against accidents, theft, fire, natural calamities, and man-made damages as per the policy terms.

Customisable Add-Ons 

Need extra protection? You can choose add-ons such as zero depreciation, engine protection, roadside assistance, and return to invoice to enhance your cover.

Cashless Repairs 

With cashless repair support at network garages, you do not have to pay up front. The admissible claim amount is settled directly with the garage.

No Claim Bonus

If you do not make a claim during the policy year, you can earn a No Claim Bonus of up to 50%. This can help reduce your renewal premium.

Personal Accident Cover

The policy can also include personal accident cover for the owner-driver, offering financial support in the event of accidental injury, disability, or death, subject to policy conditions.

Support When You Need It

Whether it is a claim, a repair query, or a policy-related concern, our 24/7 customer support makes the process smoother when something unexpected happens.

What is Covered in ICICI Lombard’s Comprehensive Car Insurance Policy?

ICICI Lombard’s comprehensive car insurance policy is designed to cover a wide range of risks, so you are not left dealing with major expenses on your own. It focuses on protecting your car against both expected and unexpected situations.

  • Inclusions
  • Exclusions

  • Damage from floods, earthquakes, fires, and storms

  • Theft, accidents, and incidents like vandalism or riots

  • Cashless repairs at network garages

  • Third-party legal liabilitiesThird-party legal liabilities

  • Personal accident cover for the owner-driver

  • Normal wear and tear or ageing

  • Driving under the influence of alcohol or drugs

  • Mechanical or electrical breakdowns

  • Driving without a valid licence

  • War, mutiny, or nuclear risks

Check policy documents for the full details.

What Is the Difference Between Comprehensive
Car Insurance and Own Damage Car Insurance?

Think of it like this. Comprehensive car insurance is the full package, while own damage car insurance is the “just my car, please” version. One covers you and others, the other focuses only on your ride.

Basis Comprehensive Car Insurance Own Damage Car Insurance
Coverage Third party + own damage Only own damage
What it protects You, your car, and others Just your car
Protection level All-round safety net Focused protection
When it works Standalone policy Needs third-party cover separately
Ideal for No-compromise coverage Filling the own damage gap

Comprehensive Car Insurance vs Third Party Car Insurance

Both plans do the job, just at very different levels. One keeps you legally covered, the other actually protects your car too. Here is how they compare:

Parameter Comprehensive Car Insurance Third Party Car Insurance
Coverage Covers your car damage plus third-party liability Covers only third-party damage and injury
Premium Higher, because coverage is wider Lower, since protection is limited
Add-ons Multiple add-ons available for customisation Usually, you cannot customise your third-party coverage with add-ons. However, ICICI Lombard allows you to add IL Smart Assist add-on to your third-party car insurance policy.
Legal requirement Optional, but strongly recommended Mandatory under Motor Vehicles Act

Basic compliance vs full protection. You decide what works for you.

Who Should Buy Comprehensive Car Insurance?

A comprehensive car insurance policy is a smart pick for most car owners, but for some, it is almost non-negotiable.

New car owners

Got a new or expensive ride? Comprehensive cover protects it from damage, theft, and unexpected disasters.

Car owners in high-risk areas

If your area sees theft, vandalism, or extreme weather, this cover adds an extra layer of security.

Frequent drivers

Long drives, daily commutes, highway runs. More time on the road means higher risk, so better coverage makes sense.

People who don’t want stress

If you prefer fewer “what if” worries and more financial certainty, comprehensive insurance does the job.

Does Comprehensive Insurance Cover Personal Accidents?

Yes, comprehensive insurance does cover personal accidents, but with a few nuances. Most policies include personal accident cover for the owner-driver, meaning that if you are injured while driving, the policy can cover medical expenses and hospitalisation, and may even provide compensation for disability or death.

The exact coverage amount depends on the insurer and the policy terms, so it is not a one-size-fits-all deal. Still, this cover adds a solid financial cushion, because accidents are unpredictable, but your expenses do not have to be.

Add-on Covers Under a Comprehensive Car Insurance Policy

Think of add-ons as upgrades for your policy. The base plan covers the essentials, but these extras step in when you want stronger, more practical protection.

Here are some commonly chosen add-ons:

Zero Depreciation Cover

No depreciation cuts during claims. You get the full cost of parts, not a reduced payout.

Engine Protection Cover

Covers engine damage from water ingress, oil leaks, or non-accidental issues that are usually excluded.

Roadside Assistance Cover

24/7 help for breakdowns, towing, minor fixes, or even fuel delivery when you are stuck.

Consumables Cover

Pays for small, frequent items such as engine oil, nuts, bolts, and lubricants during repairs.

Each add-on costs extra, so pick the one that actually adds value to your usage.

Top Features of Comprehensive Car Insurance Policy

Think of comprehensive car insurance as complete protection for your car, not just the basics. It goes beyond mandatory coverage and helps you stay financially secure in most real-world situations.

  • All-round Protection for Your Car

    Covers damage from accidents, theft, fire, natural disasters such as floods or earthquakes, and man-made events like vandalism or riots. It is designed to handle both common and unexpected risks.

  • Protection Against Third-Party Risks

    Covers legal and financial liabilities if you cause injury to another person or damage to their property while driving. This is a mandatory component and an essential safeguard.

  • Coverage for Driver Safety

    Provides financial protection for the driver in case of injury, disability, or death resulting from an accident. It helps manage medical expenses and offers compensation in serious situations.

  • Rewards for Safe Driving

    If you do not make any claims during the policy period, you earn a No Claim Bonus. This translates into a discount on your renewal premium and increases with consecutive claim-free years.

  • Flexibility with Add-on Covers

    Lets you enhance your policy with optional covers such as zero depreciation, engine protection, roadside assistance, and more. These add-ons help tailor the policy to your specific needs.

  • Hassle-free Repairs

    Enables you to get your car repaired at network garages without paying up front. The insurer settles the bill directly with the garage, making the process smoother.

  • Support When You Need It

    Offers round-the-clock assistance for claims, queries, or emergencies. Help is available whenever you need support with your policy.

What is NCB in Comprehensive Car Insurance?

NCB in car insurance, or No Claim Bonus, is your reward for not raising claims during a policy year. It shows up as a discount on your premium at renewal, so safe driving literally pays off. The longer you go without a claim, the bigger the discount you stack.

Claim-Free Years NCB Discount
1 year 20 percent
2 years 25 percent
3 years 35 percent
4 years 45 percent
5+ years 50 percent

Miss a claim, earn a discount. Simple math.

What is IDV in Comprehensive Car Insurance Policy?

Insured Declared Value is your car’s current market value after depreciation, and it decides how much your insurer will actually pay if things go really wrong. In simple terms, IDV in car insurance is your car’s price tag on paper, and yes, it directly controls both your premium and your payout.

IDV Scenario What It Means for You
IDV set too high You pay more premium, but payout does not magically increase beyond real value
IDV set too low Premium looks cheaper, but claim amount takes a hit
IDV close to market value Sweet spot with balanced premium and fair payout
Random IDV choice Either overpaying or underprotected, neither is fun

How to Calculate Comprehensive Car Insurance Premium?

Your insurance premium cost is not random; it is a mix of your car’s value, risk factors, and the coverage you choose. Once you get the logic, it is pretty straightforward.

Here is how it comes together:

Step 1

Start with the IDV in car insurance, since this sets the base for pricing.

Step 2

Factor in your car’s make, model, and age; older cars usually mean lower value.

Step 3

Consider location and usage; city driving and high usage can push premiums up.

Step 4

Add or skip add-ons based on your needs; more cover means higher cost.

Step 5

Adjust car insurance deductibles to balance premium and out-of-pocket risk.

For a quick estimate, plug your details into a car insurance premium calculator and get the number instantly.

How Can You Reduce Your Car Insurance Premium?

Your car insurance premium doesn't have to be high if you play it smart. Small tweaks can make a noticeable difference without cutting down on coverage.

Here’s how you can keep it in check:

  • Maintain a claim-free record to earn NCB.

  • Choose a realistic IDV, avoid overvaluation.

  • Opt for a higher voluntary deductible.

  • Install approved safety and anti-theft devices.

  • Compare plans before final purchase.

Documents Required for Filing a Bike Insurance Claim

How to Buy Comprehensive Car Insurance Online?

Buying online is quick if you know the flow. When you buy comprehensive car insurance, there is less paperwork and more clicks.

Here is how it works:

  • Step 1: Visit the insurer’s website and head to the car insurance section.
  • Step 2: Enter your details and your car’s details to get plan options.
  • Step 3: Compare available plans, IDV, and add-ons to see what fits.
  • Step 4: Pick the plan that matches your coverage needs, not just the cheapest one.
  • Step 5: Review the policy terms to avoid surprises later.
  • Step 6: Pay the premium online, and your policy is issued instantly.

Done in minutes, covered for the long run.

Top Reasons to Buy a Comprehensive Car Insurance Policy

You should consider purchasing comprehensive insurance for:

  • Financial backup that keeps repair bills from draining your savings.

  • Staying legally sorted with built-in third-party cover.

  • Stress-free driving, knowing you are covered against accidents, theft, and disasters.

  • Medical cost support through personal accident cover.

  • Customisable protection with useful add-ons.

  • Easy claims experience with cashless repairs at network garages.

how_to_reduce_your_car_insurance_premium

Points to Consider While Raising A Comprehensive Car Insurance Claim

A smooth claim is all about getting the basics right. Here’s how to stay on top of it:

Know your policy first

Be clear on what’s covered and what’s not before you file a claim.

Capture the scene

Take clear photos or videos of the damage right after the incident.

Get the details right

Fill in the claim form carefully and double-check before submitting.

Keep documents ready

Submit all required paperwork, including your policy copy and ID proofs.

Save everything

Maintain copies of bills, emails, and any communication with the insurer.

Stay responsive

Share any additional documents your insurer may ask for without delay.

Track your claim

Keep checking the status so you are not left guessing.

Choose the right garage

Once approved, go for insurer-approved network garages for a smoother process.

Read more
How Does ICICI Lombard Car Insurance Work

How to Buy Comprehensive Car Insurance Online?

To buy a comprehensive car insurance online:

  • Visit the insurer’s website
  • Locate the page from where you can buy the policy
  • Fill out the required details, including yours and your car
  • You will get different plans based on your inputs
  • Choose the one that best fits your needs
  • Review the details and the policy’s terms and conditions
  • Pay premium online to buy the plan

Points to Consider While Raising A Comprehensive Car Insurance Claim

Some vital things to keep in mind while raising a claim are:

1

Understand the policy's coverage details and exclusions before filing a claim

2

Take clear photos of the damaged vehicle in the accident scene

3

Ensure to fill in accurate details in the claims form and review the form before submission

4

Make sure to submit all the necessary documents, including policy copy

5

Maintain copies of all correspondence and papers related to your claim

6

Cooperate with your insurer if asked for any extra documents

7

Keep track of the status of your claim to know if your claim is approved

8

Once approved, get your vehicle repaired at approved garages only

What are the benefits of renewing your car insurance online?
What are the benefits of renewing your car insurance online?

Comprehensive Car Insurance Claim Procedure

To raise a claim:

1

Notify your insurer at the earliest

2

Fill out the claims form online and provide the relevant details

3

The insurer appoints a surveyor who assesses the damage and estimate repair costs

4

Once approved, take your vehicle to the nearest network garage

5

The insurer settles the claim directly to the garage

Frequently Asked Questions On Comprehensive Car Insurance

Can I renew my comprehensive car policy online?

Yes, most insurers let you renew online in minutes. Just review your details, tweak add-ons if needed, and pay. No paperwork, no hassle.

Will I need any documents to raise a claim under a comprehensive car insurance policy?

Yes. Typically, you will need your policy document, claim form, driving licence, RC, photos of the damage, and, in some cases, an FIR. Requirements can vary slightly by insurer.

What is the duration of a comprehensive insurance policy?

A standard comprehensive car insurance policy is valid for one year. Long-term third-party cover may run for multiple years, but own-damage is usually renewed annually.

Can I transfer my No Claim Bonus (NCB) discount if I change insurer?

Yes. NCB is linked to you, not your insurer. You can transfer it when switching insurers or even when buying a new car, as long as you provide the NCB certificate.

Can I claim insurance for car bumper damage?

Yes, bumper damage is covered under comprehensive insurance if caused by an insured event. Keep in mind, depreciation may apply unless you have a zero depreciation add-on.

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