Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • No claim bonusF of up to 50%
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Car Insurance Policy Online

What is car insurance?

A comprehensive car insurance policy, also known as motor package 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.

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What are the different types of car insurance policies?

We offer all that you require! Choose as per your needs.


Private car package policy

A comprehensive car insurance policy offers complete protection to you. It covers not only the costs incurred on damages to a third party but also the damages to your car. This policy type also covers car theft and damages caused by fire, burglary and natural disasters.


Stand-alone own-damage car insurance

With our stand-alone own-damage car insurance, you are covered for any accidental damages to your car. These could be due to natural disasters like earthquake, flood, cyclone, and landslide, or due to manmade disasters like theft, burglary, riot or strike. To buy this car insurance, you should have an active third party insurance policy of the vehicle.


Third party car insurance

In this type of car insurance policy, you are covered against legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then we will take care of the expenses.

Why should you buy a comprehensive car insurance policy?

Here are six benefits that are hard to pass up.


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 2019A, 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 5700+ cashless garagesC 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.

Buy Car Insurance

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 surveyE for speedy claim processing, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assuranceE 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 is covered by ICICI Lombard Car Insurance Policy?

Here’s what’s included in our private car package policy:

  • Inclusions
  • Exclusions

What’s included:

  • Coverage for natural disasters like earthquakes, floods, fires and storms
  • Cashless repairs in 5700+ network garagesC
  • Coverage for theft, accidents and terrorist activities
  • No claim bonusF up to 50%
  • ₹15 lakh Personal Accident Cover
  • 9 add ons to choose from
  • Third-party legal liabilities cover
  • Instant claim settlement via InstaSpectD

What’s not:

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

Claim calmly

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ICICI Lombard car insurance plan add-on benefits

Choose from an assorted range of add-onsG, 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.

How Does ICICI Lombard Car Insurance Work

How does ICICI Lombard car insurance work?

ICICI Lombard car insurance is easy to buy and renew online. You can choose an annual or long-term insurance policy (3 year for new vehicles) on our website. 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 5700+ network garagesC for cashless repairs in case of damage
  • Claiming is easy through our call centre, website and app

Compare ICICI Lombard car insurance plans

See which plan works for you!

Coverage and benefits Private car package policy Stand-alone own-damage car insurance Third party car insurance
Car damages
Theft coverage
No claim bonus up to 50%
Cashless claim
Digital inspection on the IL Take Care app N/A
Damage to third party property
Third party’s death or injury
₹15 lakh personal accident coverage

Key features of ICICI Lombard car insurance

Key Feature Benefits
Car Insurance Premium Starts at ₹2,094B
No Claim Bonus Up to 50%
Cashless Garages 5,100+ 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

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

Buying car insurance online is quick and effortless. 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

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


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 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.
IDV in Car Insurance

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 BonusF

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 Does ICICI Lombard Car Insurance Work
How Does ICICI Lombard Car Insurance Work

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-onsG like Roadside Assistance, Zero Depreciation, Engine Protect, Garage Cash & Consumables Protect.

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

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

Benefits of Renewing Car Insurance Online

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 bonusF
  • Instant policy

How do you renew car insurance online?

You can easily renew car insurance on our website.


Visit the car insurance renewal page.


To retrieve your policy details,

just input any of these details –

  • Mobile number
  • Car registration number
  • Policy number

We’ll fetch your policy details along with the premium you need to pay as per our record.


You can make the payment online and complete car insurance renewal online seamlessly.

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Set up a reminder and get renewal offer from us.

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Get answers to common questions about car insurance policy

  • 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?

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 AssistanceG 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 DepreciationG add on cover (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?

It is an add-onG, 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?

It 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?

  • 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

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 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 garagesE:
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?

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 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. 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 NCBF.

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?

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 NCBF 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.


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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