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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 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.

Why should you buy a comprehensive car insurance policy?

Here are six benefits that are hard to pass up.

1

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.

2

Saves you from traffic fine

As per the new Motor Vehicle Act 2019, 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.

3

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.

4

Gives easy access to cashless garages

We have a network of 4300+ cashless garages 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.

5

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.

6

Covers your car against theft

In case your car is stolen and cannot be recovered, we pay for your loss.

What are the different types of car insurance policies?

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

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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.

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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 insurance, you should have an active third party insurance policy of the vehicle.

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Third party car insurance

In this type of 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.

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 survey* for speedy claim processing, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assurance** 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 4300+ network garages✝︎
  • Coverage for theft, accidents and terrorist activities
  • No claim bonus^ up to 50%
  • ₹15 lakh Personal Accident Cover
  • 9 add ons to choose from
  • Third-party legal liabilities cover
  • Instant claim settlement via InstaSpect#

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

It’s as easy as

  • 1
  • 2
  • 3
  • 1

    Intimate

  • 2

    Survey & Verify

  • 3

    Settle

Know more

ICICI Lombard car insurance plan add-on benefits

Choose from an assorted range of add-ons, 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.

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.

Compare ICICI Lombard car insurance plans

See which plan works for you!

Coverage and benefitsPrivate car package policyStand-alone own-damage car insuranceThird party car insurance
Car damages   
Theft coverage   
No claim bonus up to 50%   
Add-ons   
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   
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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.

1

Instant quote

Just enter your car registration number and contact details to get an instant quote.

2

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.

3

Advice from insurance expert

Got questions? Our experts will answer all your policy related queries so that you have all the information you need.

4

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 policy issued with zero paperwork.

5

Touchless policy issuance

No human contact is needed when you buy car insurance from online. You can even complete inspection online on our IL Take Care app in case you have a gap/ break in your policy.

6

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.

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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.

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Add-ons

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.

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Service benefits

Availability of cashless garages, easy claims process and reliable customer support are a must.

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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:

1

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 16th June 2019 (Rs.)
Not exceeding 1000 cc ₹2,072
Exceeding 1000 cc but not exceeding 1500 cc ₹3,221
Exceeding 1500 cc ₹7,890
2

Own damage premium – this is calculated as IDV X [Tariff Rate] – [Discounts] + Add On Covers

3

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 auto 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.

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 insurance covers you for natural and manmade calamities
  • We’ve got 4300+ network garages✝︎ for cashless repairs in case of damage
  • Claiming is easy through our call centre, website and app
How Does ICICI Lombard Car Insurance Work

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 Bonus^ (NCB)

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

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

How do you renew car insurance online?

You can easily renew car insurance on our website.

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 bonus^
  • Instant policy

Get answers to common questions about car insurance policy

  • General
  • Cover
  • Premium
  • Claims
  • Policy

Which services are provided by ICICI Lombard under roadside assistance cover?

We offer the following services under roadside assistance cover:

  • Breakdown support over phone
  • Minor repairs
  • Flat tyre
  • Battery jump start
  • Arrangement of keys
  • Towing on breakdown or accident
  • Arrangement of a rental vehicle
  • Arrangement or supply of fuel
  • Arrangement of accommodation

Note: For details kindly refer policy wordings for the private car package policy.

*For a list of services applicable in policy, please refer policy schedule.

Can I renew my motor policy online?

Yes, you can renew your policy online, starting 60 days before the expiry of your existing 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.

Is my No Claim Bonus (NCB) transferable?

Yes, in case you are the customer of ICICI Lombard, 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 in case the car is insured within 90 days of your renewal due date. The same applies if you are switching from ICICI Lombard to other insurance company.

Are online car insurance documents valid?

Yes, once you make payment and purchase online car insurance, we send valid policy documents to your email and your mailing address.

Where can I check the status of my car insurance?

You can check your car insurance start and end date in your policy documents. You can also login to our website or IL Take Care app to check the status of your car insurance policy.

When should you renew car insurance?

Car insurance is available in annual and long-term (3 year) 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 NCB.

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, your contact details and pick the covers you need. Once you make the payment, you receive an instant 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 is garage cash plan?

For partial loss- If your car is under repair after an accident, a fixed daily allowance would be paid for the number of days your car is in an authorised garage for repair or number of days as mentioned in the schedule, whichever is lesser.

For total loss or constructive total loss - In the event of total loss or constructive total loss of your car, you will receive a lump sum amount as per what is mentioned in the schedule.

What is personal accident insurance cover?

Personal accident insurance covers death or disability caused due to an unfortunate accident. The motor insurance policy essentially has a personal accident cover for the registered owner-driver, as per tariff, for which no extra premium is to be paid. For a person other than the registered owner and driver, the personal accident cover has to be purchased separately by paying an additional premium. The amount paid as compensation depends upon the extent of opted cover.

How many days are covered under garage cash cover?

The duration for which we will be liable for claim in respect of this add-on will be considered from the day after your insured car is delivered to the garage, till the day immediately preceding the date of discharge or date of invoice for such repair as prepared by the garage, whichever is earlier.

What are the events covered in ICICI Lombard motor insurance policy?

Our policy is a comprehensive vehicle insurance plan, which offers you coverage for:

  • Any loss or damage to your car
  • Third party liability
  • Any permanent injury to or death of a person caused by your insured car
  • Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your car
  • A personal accident cover for the registered owner-driver of the car while he is driving

In case of loss or damage to the car or the accessories insured, we cover your expenses if the accident occurs due to the following hazards:

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Riot and strike
  • Earthquake (fire and shock damage)
  • Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accident by external means
  • Malicious act
  • Terrorist activity
  • While in transit by road, rail, inland waterway, lift, elevator or air
  • Landslide and rockslide

What is Zero Depreciation in car insurance policy?

Usually, when you file a claim under your policy, you have to pay for the cost of depreciation of your car parts. If you opt for Zero Depreciation add on cover (by paying additional premium), we will cover all the repair/replacement costs without factoring the depreciation element.

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 ARAI?

ARAI stands for Automotive Research Association of India. If you have installed an ARAI approved anti-theft device in your vehicle, whose installation is dully certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium, subject to a maximum of ₹500.

Which factors affect the premium amount?

The premium payable for your car depends on the following factors:

  • 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 icicilombard.com?

You can choose between 6 payment options to pay your premium online:

  • Credit Card - Make secure premium payment with your VISA, Master and AMEX card.
  • Net Banking - Transfer the premium amount online through ICICI Bank and 13 other selected banks.
  • Debit Card - Just enter your Citibank, HDFC Bank, ICICI Bank or any of the other 7 approved bank’s Debit Card details to pay your insurance premium directly.
  • Cash Card - Use your Done or ITZ Card to make the payment online.
  • Cheque or Demand Draft: You can send a Cheque or Demand Draft by courier to our office address.

Can I ask for some advance in case the repair charges are very high?

We offer cashless claim services where the repair charges are directly paid to the garage if your car is repaired in a garage falling within our network. However, if the car is repaired in a garage not falling in our network, you have to pay the repairing charges to the garage, and we will reimburse the amount to you, as per our non-cashless claim services.

What is a cashless claim and a non-cashless or reimbursement claim?

Cashless claim: In cashless claim facility, the repair charges of the car are directly paid to the garage by us, provided the car is repaired in our garage network.

Non-cashless or reimbursement claim: If the car is repaired in a garage outside the purview of our network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

How do I register my claim?

Contact our toll-free helpline 1800 2666 to register your claim and get a claim number or reference number. You can also directly register your claim online*, with our Lodge a Motor Claim service.

* Please note that as of now, only accidental damage claims can be processed through the 'Lodge a Motor Claim' interface.

When should I report to the police?

Incidents such as ‘Third Party Property Damage’, ‘Bodily Injury to Self or Third Party’ or ‘Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred.

How many times can we claim under car insurance in a year?

You can make any number of claims in the year.

What is an endorsement?

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in terms of the policy. An endorsement can be of two types:

An endorsement can be of two types, i.e. premium bearing and non-premium bearing.

Premium bearing endorsement:

Endorsement for which an additional premium is charged. Some of the examples are:

  • Transfer of ownership
  • Addition of LPG or CNG kit
  • Change of RTO location

Non-premium bearing endorsement:

Endorsement for which no additional premium is charged. Some of the examples are:

  • Rectification in contact details
  • Rectification in engine or chassis number
  • Addition of hypothecation

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 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.

Where can I get my car insurance policy number?

You will find the policy number in your car insurance policy documents. We also mention it in our email when we send the documents to your email address. You can also login to our website or IL Take Care app to retrieve your policy number.

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.

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