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Car Insurance

What is car insurance?

A car insurance policy, also known as vehicle 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.

Pay As You Drive

Pay lower premiums for your car insurance with Pay As You Drive add-on

Pay-as-you-drive cover operates on the simple rule that you should pay less insurance price if you drive less. Since you are not out on the road often, you have a low accident risk, and your insurance bill should reflect the same.

Depending on your driving needs, you can opt for 5000 and 7500 km/year plans. If you exceed your plan's kilometres, you can top up your insurance coverage with more kilometres for that particular policy year.

Unlike other car insurance policies in the market, these newly introduced add-ons are designed to give you more control of your vehicle insurance costs.

Since standard car insurance premiums depend on geography, make-model, and age of the vehicle and are not based on their usage, most car owners who opted for Pay as you drive policy saved on their premiums.

Our experience with the Pay as you drive policy under the Sandbox regulation in 2020 also helped us learn that 56% of customers chose to Pay as you drive over conventional insurance due to its cost-effectiveness and usage-based premiums. In comparison, 22% bought this policy due to its telematics benefits.

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Pay as you drive car insurance

Key features of ICICI Lombard's car insurance

Key Feature Benefits
Car Insurance Premium Starts at ₹2,094
No Claim Bonus Up to 50%
Cashless Garages 5900+ Network GaragesC & Roadside Assistance
Add-on Covers Multiple 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 survey via InstaSpect

What are the different types of car insurance policies?

Comprehensive car insurance vs Third party car insurance

Comprehensive Car Insurance Third-Party Car Insurance
Covers damages to your own car and third-party liabilities Covers third-party liabilities only
Provides complete protection for your car Only covers legal liabilities
May include add-ons like zero depreciation, roadside assistance, etc. Only includes mandatory third-party coverage as per law
Higher premium as compared to third-party insurance Lower premium as compared to comprehensive insurance
Can be purchased online or offline Mandatorily needs to be purchased before registering a car

Comprehensive car insurance is a more comprehensive policy that covers not only third-party liabilities but also damage to your own vehicle. On the other hand, third-party car insurance only covers legal liabilities in case of an accident. Comprehensive car insurance also offers add-ons like zero depreciation and roadside assistance, whereas third-party insurance only includes mandatory coverage as per law.

Comprehensive car insurance has a higher premium as compared to third-party insurance, but it provides complete protection for your car. The choice between the two depends on your budget and the level of coverage you desire. You can easily buy car insurance online or offline, but third-party insurance is mandatory and needs to be purchased before registering a car.

How to choose the right car insurance policy online?

Before buying car insurance online, read the policy details and fine print, and ask questions to clarify anything you need help understanding. Regularly reviewing your car insurance policy can help ensure that it continues to meet your needs and that you're not overpaying for coverage you don't need.

Why should you buy a comprehensive car insurance policy?

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 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.

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 5900+ 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.

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.

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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 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's included in ICICI Lombard's Car Insurance & what's not?

  • Inclusions
  • Exclusions

What’s included:

  • Coverage for natural disasters like earthquakes, floods, fires and storms
  • ₹15 lakh Personal Accident Cover
  • Cashless repairs in 5900+ network garages
  • 9 add ons to choose from
  • Coverage for theft, accidents and terrorist activities
  • Third-party legal liabilities cover
  • No claim bonus up to 50%
  • Instant survey via InstaSpect

What’s not:

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

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 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.

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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. 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 5900+ network garages for cashless repairs in case of damage
  • Claiming is easy through our call centre, website and app
find cashless garage

Locate your nearest cashless garage

We have a network of

5900+ cashless garagesc

Please enter valid city Find garage

For doorstep cashless claims, call 1800 2666

  • Car pick-up & drop
  • Dedicated claim manager
  • Service quality assurance
  • Regular WhatsApp updates & tracking
Know more T&C apply

If you are an existing policyholder of the erstwhile Bharti AXA General Insurance, you can use the
Network Garage Locator to check your nearest garages.

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

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.


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

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 in car insurance 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 Bonus in Car Insurance

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.

Car insurance premium
Car insurance price

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.

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

Why renewing your car insurance policy on time is important?

Renewing your car insurance on time is important and mandatory for several reasons:


Legal compliance: It is mandatory to have a valid car insurance policy. Driving without insurance can result in legal consequences, such as fines or imprisonment.


Financial protection: Renewing your car insurance policy on time ensures financial protection in case of an accident, theft, or other unexpected events. This means you won't have to pay for damages or injuries out of your pocket.


Continuous coverage: If you renew your car insurance policy on time, you will maintain continuous coverage, which is important if you get into an accident or have a claim.


No-Claim Bonus: If you have a no-claim bonus and renew your policy on time, you will maintain the bonus, which can result in a lower premium.


Peace of mind: A valid car insurance policy provides peace of mind knowing that you are protected if anything unexpected occurs.

If your policy expiry is too far way, set up a reminder with us below:

Policy expiry too far away?

Set up a reminder and get renewal offer from us.

Please enter the below details

I agree to the Terms and Conditions
I wish to get policy details on my

Steps to raise a car insurance claim online

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

To file a claim for your car insurance policy, you can follow these steps:


Legal compliance: It is mandatory to have a valid car insurance policy. Driving without insurance can result in legal consequences, such as fines or imprisonment.

Contact us immediately after the accident/theft via any one of the ways below:

  • You can register your claim via the website
  • Call us on our 24x7 toll-free number 1800 2666
  • "File a claim" on the IL Take Care app
  • SMS CLAIM to 5757

Submit your claim by providing your Policy/Cover note number mentioned on your policy document, your four-wheeler vehicle's Chassis/Registration no, and the nature of the incident with your car. Was it damaged or stolen?


Instaspect: Complete a video survey of your car (only in case of car damage)

  • Login to IL Take Care app and add your policy.
  • Click on Claims, then click on File a Claim using InstaSpect#.
  • Add your motor claim info, such as location, time and date of loss, and a short description of the damage.
  • We'll initiate a live survey on the app. Make sure you're in a well-lit area with smooth internet connectivity for the digital survey.
  • We will guide you to show the vehicle from different angles. Photos will be captured and synced at our end.
  • Upload the necessary documents, along with the e-claim form for repair approval. And you're done! initiate a live survey on the app. Make sure you're in a well-lit area with smooth internet connectivity for the digital survey.

Provide supporting documents required to process your claims successfully.


The insurance company will assess the damage to your car and determine the amount covered under the policy. They may also request additional information or documents if needed.

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Documents required for filing a car insurance claim online

Documents required for filling a car insurance claim online:

  • Completed claim form
  • Copy of registration certificate (RC) (in case of a new vehicle which is less than 3 months old and RC is not available, tax receipts and vehicle purchase invoice is collected)
  • Aadhaar/PAN card

In case of a reimbursement claim:

  • Original claim form with NEFT mandate form (NEFT form is required only for non-cashless cases)
  • Copy of registration certificate (RC) (in case of a new vehicle which is less than 3 months old and RC is not available, tax receipts and vehicle purchase invoice is collected)
  • Copy of the driving license of the person driving the vehicle at the time of the accident
  • Copy of policy
  • Certified copy of one officially valid document & PAN card/form 60
  • FIR or police report (depending on loss type). If it's a theft, report the incident to the police immediately.
  • Garage estimate
  • Repair invoice
  • Cancelled cheque (in case of non-cashless settlement)

In case of total loss and net salvage claims:

  • All basic documents
  • Original RC
  • Original policy schedule
  • Form 28, 29 & 30 (three copies), duly signed by the insured
  • Indemnity bond
  • Copy of PAN card
  • FIR (wherever required)
  • NEFT form and cancelled cheque
  • No Objection Certificate (NOC) and Form 16 if the vehicle was taken on loan
View more Documents required for filing a car insurance claim online

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?

Following are the benefits of car insurance. 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.

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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 Assistance in car insurance 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 Depreciation add on cover in car inurance(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?

Engine Protect Plus is an add-on, 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?

Garage Cash Cover 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.

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What factors affect my premium amount?

Following key factors determine car insurance premium -

  • 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 the car insurance 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 garagesF:
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?

Here's how you can file a car insurance 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 in car insurance 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.

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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. Follow these essential tips to renew car insurance - 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?

Here's how you can transfer your car insurance policy - 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

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