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Why our customers love us?

And, we think you will too.

1 dedicated garage

for every 14* customers claims

Instant motor claims

through our Insure app

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Call centreChat273* branches

Car Insurance Policy

What is a car insurance policy?

A motor insurance policy protects your motor vehicle from unforeseen risks and secures it against an accident or loss, theft and third party liabilities. A car owner pays yearly premiums to a motor insurance company, and the insurer pays the claim in case of any damage to the vehicle due to accident.

Why should you buy a car insurance policy?

Here are 6 key reasons to buy four wheeler insurance in India.


It’s mandatory by the law

As per the Motor Vehicles Act of India, it is compulsory for all running vehicles 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 2019, being caught while driving without insurance for the first time can cost you ₹2000 as traffic fine and ₹4000 subsequently.


Provides personal accident coverage

Our private car package policy provides a coverage of ₹15 lakh for the registered owner-driver of the vehicle while travelling in, mounting or dismounting from the car. The compensation is provided to the family in case of death of the registered owner-driver due to an accident.


Gives easy access to cashless garages

Car insurance companies have a network of cashless garages that take care of your car post accident. The insurance company pays for your damages as per its liability and settles your claim cashlessly with the garage.


Provides own damage (OD) coverage

A car insurance policy ensures that the damages caused to a car due to an accident are paid by the insurance company. However, there are certain exclusions in an auto insurance policy that should be carefully read.


Covers your car against theft

In case your car is stolen and cannot be recovered, a car insurance policy pays for your loss as per the insured declared value of your car. This is another reason why a comprehensive car insurance policy is important.

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 the owner-driver. 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 damages to your car. These could be due to natural disasters like earthquake, flood, cyclone, landslide, etc. or due to man-made disasters like theft, burglary, riot, strike, etc.

Third party car insurance

In this type of insurance policy, the owner is covered against legal liabilities arising out of an accident. Under this type of car insurance policy, if your car causes injuries to a third party or damages surrounding property then the expenses will be taken care of by your insurer.

buy car insurance online

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 comprehensive car insurance policy. We also have a set of certified workshops that provide digital survey* for speedy claim approval, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assurance** on repairs. You can pick one of them while making a claim with us.

Besides, we also offer unique additional covers at a nominal extra premium that can significantly boost your car insurance plan. Opting for add-ons in a comprehensive car insurance policy helps save a lot of money. The add-ons provide our private car insurance package policyholder with extra cover or services in case of accidents.

*During working hours & daylight, **for 6 months or 6000 Km whichever is earlier.

What is covered by ICICI Lombard car insurance policy?

Below are the detailed inclusions and exclusions of our private car package policy:

  • Inclusions
  • Exclusions
  • Loss or damage to your motor vehicle due to natural disasters:

    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Personal accident cover:

    ₹15 lakh cover for the registered owner-driver while travelling in, mounting or dismounting from the car. Optional individual accident covers for co-passengers are also available.
  • Loss or harm to your car against man-made disasters:

    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Third party legal liability:

    Protection against legal liability due to accidental damages resulting in the injury or death of a person, and damage caused to the surrounding property.
  • Wear & tear and ageing of the motor vehicle.
  • Depreciation or any consequential loss.
  • Harm to/by a person driving any motor vehicles without a valid license.
  • Harm to/by a person driving the vehicle under the influence of drugs or liquor.
  • Mechanical/electrical breakdown.
  • Loss/damage due to war, mutiny or nuclear risk.
  • Vehicles being used otherwise than in accordance with limitations as to use.
  • Wear & tear of consumables like tyres and tubes unless the vehicle is damaged in an accident, in which case we cover up to 50% of the replacement cost.
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ICICI Lombard car insurance plan add-on benefits

Choose from an assorted range of add-ons when buying ICICI Lombard car insurance plan online.

Roadside assistance cover

It makes for an essential add-on because it acts as a saviour when you get stranded in the middle of nowhere due to a breakdown or accident. It can help you get your car towed to our network garage, assist you with battery jump-start or minor repairs, or provide you with breakdown support on call, or even arrange a taxi or hotel stay for you in case of a breakdown or accident.

Engine protect cover

If you stay in a region that is prone to flooding during the rains, or if you own a high-end car, then you ought to have this add-on in your ICICI Lombard car insurance kitty. It will bear the cost of having to repair or replace the most important part of your car- its engine!

Consumables protect cover

In a scenario where you don't have this add-on, you would be bearing out-of-pocket expenses for petty things like repair or replacement of nuts, bolts, A/C gas, oil filter, etc. due to an accident. If you are someone who would like to avoid these expenses altogether, and not worry about minor repairs, then go for this add-on, and leave the rest to us!


Zero depreciation cover

If you have a new car, this is an ideal choice of add-on that we offer. It offsets the depreciation that is otherwise applicable on any repairs or replacement involved in settling your car insurance claim. It is another must-have if you own a luxury or an expensive car.

Garage cash cover

You do not have to worry about your daily travel expenses if your car is damaged due to an accident. Under this add-on, a daily allowance is given to you for the number of days that your car is being repaired at the garage.

Loss of personal belongings cover

If any of your personal belongings go missing from your car or get damaged in a car accident, this cover has your back to make up for the loss.

For detailed terms & conditions of above covers, read private car package policy wordings

idv in car insurance

What factors impact the Insured's Declared
Value (IDV)?

IDV plays a key role in determining the cost of your car insurance policy. Insured’s Declared Value (IDV) is the fixed value at which a motor vehicle is insured. The sum insured is calculated based on the manufacturer's listed selling price of the car and the listed cost of any accessories after subtracting the depreciation for every year as per the Indian Motor Tariff.

In case, the cost of any electronic item installed in the car is not included in the manufacturer's listed selling price, then the actual value (after depreciation) of the item is added to the sum insured over and above the IDV.

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
Damage to own vehicle
NCB: Up to 50% bonus for not claiming in previous policy year
Add-ons at additional cost
Damage to surrounding property
Third party’s death or injury
₹15 lakh personal accident coverage for the registered owner-driver
Cashless claim settlement at network garages
Digital inspection on the Insure app using Instaspect
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Locate your nearest
cashless garage

We have a network of

4100+ cashless garages*

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*As on 2nd June 2020

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.

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 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.

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

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