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What is Comprehensive Car Insurance?

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 Comprehensive Car Insurance Policy

Top features of a comprehensive car insurance policy are:

Wide Coverage

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.

Third-Party Liability

Covers legal and financial liabilities if you cause injury or damage to another person or property while driving.

Personal Accident Cover

Offers coverage for medical costs for injuries or death while driving.

No Claim Bonus (NCB)

Provides a discount on the premium if you don’t make any claims during the policy period.

Add-on Covers

Allows you to boost coverage with add-ons like zero depreciation, engine protection, roadside assistance, and more.

Cashless Repairs

Enables cashless repairs at network garages.

24/7 Customer Support

Offers round-the-clock assistance for any claims or queries related to your policy.

What are the benefits of renewing your car insurance online?

Benefits of Buying ICICI Lombard Comprehensive Car Insurance Policy

Buying a comprehensive car insurance policy from ICICI Lombard brings multiple benefits. These include:

Affordable pricing

A comprehensive car insurance policy from ICICI Lombard is easy on the pocket.

Cashless garages for hassle-free service

Get your car repaired at any of our 5900+ network garages.

No claims bonus

Get a no claims bonus of up to 50%.

Multiple add-on covers

Choose from various add-on covers to fortify your coverage.

Instant claims

Make instant claims with the IL TakeCare app.

Reliable customer support

Contact our executives anytime needed through multiple modes of communication, including chat, email, and more for any queries 24X7

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

Inclusions
Exclusions

ICICI Lombard’s comprehensive car insurance policy covers:

Damages due to earthquakes, floods, fires and storms
Losses for theft, accidents, and terrorist activities
Cashless repairs in network garages
Third-party legal liabilities
Losses suffered due to personal accident while driving

Go through the policy documents to get a complete list of inclusions.

ICICI Lombard’s comprehensive insurance policy doesn’t cover:

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

Read the policy documents to get the complete list of exclusions.

Policy documents: Downloads

Add-on Covers Under a Comprehensive Car Insurance Policy

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

This cover ensures the insurer pays the full cost of car parts without considering depreciation during claims.

Engine Protection Cover

It covers engine 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 Cover

Covers 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.

Who Should Buy Comprehensive Car Insurance?

While buying a comprehensive car insurance policy is a wise choice for anybody who owns a car, it should definitely be purchased by:

New Car Owners

If you own a new or expensive car, comprehensive insurance provides extensive coverage against damage, theft, or natural calamities.

Car Owners in High-Risk Areas

People living in areas prone to vandalism, theft, or extreme weather conditions should consider comprehensive coverage for better protection.

Frequent Drivers

If you frequently drive long distances or travel on highways, you can benefit from comprehensive insurance.

People Looking for Peace of Mind

If you want complete financial protection for your car against unforeseen events, comprehensive insurance is a good choice.

Top Reasons to Buy a Comprehensive Car Insurance Policy

You should buy a comprehensive car insurance policy for:

Financial Security

A car insurance policy provides financial security by covering repair costs and reducing out-of-pocket expenses.

Legal Compliance

A comprehensive car insurance policy has built-in third-party insurance. It ensures you comply with legal requirements, avoiding penalties.

Peace of Mind

Knowing you have coverage in case of unexpected incidents, such as accidents or theft, offers peace of mind while driving.

Medical expense coverage

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.

How to Calculate Comprehensive Car Insurance Premium?

To calculate premiums:

Determine the car's insured declared value (IDV)
Check car make, model, and age
Consider location and car usage
Evaluate add-ons and deductibles

These will give you an estimate of the premium you need to pay. You can also use online premium calculators to determine the premium you need to pay towards your policy.

Does Comprehensive Insurance Cover Personal Accidents?

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.

Comprehensive Car Insurance vs Third Party Car Insurance

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.

Parameters	Comprehensive Car Insurance	Third Party Car Insurance Plan
Coverage	Covers own vehicle damage from various risks along with third-party legal liability	Covers only third-party liabilities and not own damage
Premium	High premium to due extensive coverage on offer	Relatively lower premiums as coverage is limited
Add-ons available	You can add various add-ons per your needs	No add-ons available
Legal requirement	Not mandatory by law. It’s an optional choice.	It’s a mandatory requirement as per Motor Vehicle Act

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

Comprehensive Car Insurance Claim Procedure

To raise a claim:

Notify your insurer at the earliest
Fill out the claims form online and provide the relevant details
The insurer appoints a surveyor who assesses the damage and estimate repair costs
Once approved, take your vehicle to the nearest network garage
The insurer settles the claim directly to the garage

Points to Consider While Raising A Comprehensive Car Insurance 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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What is comprehensive car insurance policy?

What are the types of comprehensive car insurance policy?

Comprehensive car insurance policies can be classified based on the policy period. You can opt for an annual car insurance policy or a long-term car policy with a term of three or five years. You could also opt for a bundled policy where the TP component is long-term while the own damage component is annual.

Which insurance is best among comprehensive & third party?

Unless the value of your car has depreciated to a level as low as ten times the own damage car insurance premium, it is better to opt for a comprehensive car insurance. A comprehensive car insurance always includes third party liability cover by default and offers coverage against own damage in addition.

Is comprehensive car insurance is compulsory for car owners?

No, only a third party liability car insurance and a personal accident cover are compulsory.

Does comprehensive car insurance covers natural disasters?

Yes, a comprehensive car insurance provides financial protection from natural disasters. Please refer to the policy document for the exact coverage provided.

How comprehensive car insurance claim is settled?

Once you have filed a claim against your comprehensive car policy, the insurer would assign a surveyor to assess the damage and estimate the cost of repairs. Once your claim is verified as genuine and approved, the costs would be reimbursed to your bank account or paid directly to the garage in case of a cashless settlement.

What is the validity of comprehensive car insurance?

Comprehensive car insurance can have a policy period of one, three or five years. Please refer to your policy documents to find out the exact validity.

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