IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Install

1800 2666(Available 24 x 7)
Call Back

Got questions? Let's talk! Share your contact details and we'll give you a call.

Full Name^* Please enter the full name

Mobile no.^* Please enter valid mobile number

Select products^* Please select the product

Submit

Thank You for your interest in our product.

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Live Chat

Vehicle insurance that is right for you.

Q: What does Motor Insurance cover?

A motor package policy provides coverage for own damage and third-party liabilities. Under a motor insurance policy, losses or damages to the insured vehicle, caused due to natural and manmade disasters are covered. Personal Accident Cover is included in case of injury or death of registered owner-driver in any vehicle-related mishap.

Award from Consumers Asia’s Most Trusted Brand

Asia’s Most Trusted Brand 2022 – General Insurance

Affordable Premiums
Superfast Claims

Car Insurance Starting from ₹2094*
Bike Insurance Starting from ₹538^#

Vehicle registration number^*

Got a new vehicle

Mobile number^*

Email^*

I agree to the terms and conditions

I want to receive updates on

To manage your WhatsApp preferences click here

Get quote Retrieve quote | Renew your ICICI Lombard policy

Vehicle registration number ^* Please enter a valid Vehicle registration number

Got a new vehicle

Mobile number^* Please enter a valid mobile number

Email ^* Please enter a valid email id

I agree to the terms and conditions Please accept terms and conditions

I want to receive updates on

To manage your WhatsApp preferences click here

Get quote Retrieve quote | Renew your ICICI Lombard policy

About vehicle insurance

Vehicle insurance or motor insurance is meant for cars, two wheelers and other road vehicles. A motor package policy protects the insured vehicle against the damages caused due to accidents and natural disasters.

In addition to the own vehicle damage, motor vehicle insurance also provides the mandatory coverage for third-party liabilities.

Simply put, a comprehensive vehicle insurance allows for worry-free drives by curbing your vehicle repair expenses and helping you adhere to the law when on road.

Types of vehicle insurance coverage in India

Comprehensive motor insurance

A comprehensive vehicle insurance policy provides coverage against the third-party legal liabilities as well as the losses or damages to the insured vehicle during an accident or mishap. It covers the vehicle against natural and man-made disasters, including road accidents, fire, theft, earthquake, storm, flood etc.

Recommended for: Vehicle owners who want all-rounder protection for their vehicle.

Standalone OD cover

Introduced by the IRDAI, the standalone Own Damage (OD) cover policies allow the vehicle owners to get coverage against the losses or damages caused to their vehicle due to natural or man-made disasters. This type of policy can be purchased by those who already have a third-party cover from a different or the same insurer.

Recommended for: Vehicle owners who want all-rounder protection for their vehicle.

Third-party motor insurance

Third-party motor insurance is mandatory in India as per the law. It protects the policyholder against legal liabilities arising due to an accident involving his/her vehicle. It means that in case an insured vehicle causes bodily injuries, death or property damage to a third-party, the insurer will take care of the legal liability.

Recommended for: As this doesn’t cover the vehicle itself, only third party cover is not recommended for any vehicle. Even if you hardly take your vehicle out on the road, there’s still risk of theft and parking damages. If you choose this type of policy, you’ll have to pay for any damages to your vehicle yourself.

Compare ICICI Lombard motor insurance plans

Coverage and benefits	Comprehensive motor insurance	Standalone OD cover	Third-party motor insurance
Accidental damages
Natural calamities
Fire
Theft
Riot, strike & terrorist activities
Damage in transit
Third party property damage
Third party injury

Features and benefits of ICICI Lombard motor insurance

13000+ network garages^##

Hassle-free cashless repairs across India

IL Take Care app

Instant policy issuance
Quick claim settlement

Unique add-ons

Buy add-ons to enhance your cover
Reduce repair expenses

Customised covers

Choose as per your usage and needs
Affordable premium

No claim bonus transfer

Avoid losing NCB, transfer it easily

Reliable customer support

300+ branches across India
24x7 call and chat assistance

What is covered by ICICI Lombard motor insurance?

Inclusions
Exclusions

Loss or damage due to natural disasters
Any damage to your vehicle due to natural disasters such as earthquakes, floods, cyclones and storms, rockslides and landslides, hailstorms, frosts etc. will be covered by us.
Personal accident cover
A Personal Accident (PA) cover of ₹15 lakh will be available for the registered owner-driver of the insured vehicle and an optional PA cover of ₹2 lakh will be available for co-passengers at extra premium.

Loss or damage against man-made disasters
Losses or damages to your insured vehicle caused due to man-made disasters including theft, fire, riot, strike, road accident, terrorist activity, and any damage caused during transit by road, rail, inland waterway, lift, elevator or air will be covered by us.
Third-party legal liability
We provide protection against legal liabilities arising due to an accident involving your vehicle, resulting in bodily injuries, death, or property damage to a third party.

Damage due to wear and tear and ageing of vehicle
Loss due to depreciation of the vehicle
Damage or loss while driving/riding without valid license
Damage or loss while driving/riding under the influence of liquor or drugs
Damages caused when a vehicle is being used for a purpose it’s not meant for
Mechanical/electrical breakdown
Loss/damage due to war, mutiny or nuclear risk

Policy documents: Downloads

Why should you buy motor vehicle insurance?

Adherence to law

It is mandatory by law to avail third-party insurance for all vehicles before they are allowed on road.

Escape traffic fines

As per the Motor Vehicles (Amended) Act of 2019, if you're caught driving an uninsured vehicle, you may have to pay a penalty of up to ₹2000 for the first instance and from second instance it may go up to ₹4000.

Coverage against loss or damage

A motor package policy takes care of your expenses in case of any loss or damage to your vehicle arising due to theft, road accident or other natural and man-made disasters.

Personal accident cover

You will get a personal accident cover of ₹15 lakhs for yourself and an optional cover of ₹2 lakhs for the co-passengers travelling with you. This coverage is available at nominal additional premium.

6 Reasons
to buy vehicle insurance from ICICI Lombard

1
Save up to 78% premium^
2
Instant online vehicle insurance policy
3
Cashless network garages across India
4
Instant claim approval on live video**
5
Vehicle pick up & drop arrangement
6
24x7 roadside assistance^^

Benefits of buying vehicle insurance online

Instant vehicle insurance policy

All you have to do is- submit your vehicle details, contact information, choose the cover that suits your needs and make payment. You’ll receive your ICICI Lombard motor insurance policy in your inbox immediately.

Zero paperwork

Go paperless with online vehicle insurance and say good bye to scrambling through documents. All you need is a device with internet connectivity.

Buy anything, anywhere

Branch too far away? Get free only late at night? You can find out all about our policies and buy a motor vehicle insurance online anytime from the comfort of your home.

Review customer feedback

It’s much easier to find important information about any insurance provider online. You can read what other customers are saying about their policies on their website.

Easy comparison

Another benefit of buying vehicle insurance online is you can compare multiple covers. Submit your vehicle details, get a quote from us, evaluate the policy based on coverage, features and add-ons, and accordingly pick a motor insurance cover from ICICI Lombard.

How to buy vehicle insurance online

Step 1

Click here and share your vehicle’s registration no. and your contact details to get a quote.

Step 2

Evaluate the covers based on features and add-ons. Choose a suitable motor insurance policy for your vehicle.

Step 3

Make online payment and get your policy on email instantly.

Claim process of motor insurance

With digitisation, motor insurance claim processing is now possible on-the-go with our IL TakeCare app. Moreover, with emerging need for zero contact processes, it is now possible to survey the condition of your vehicle virtually through InstaSpect, our live video inspection feature on the IL TakeCare app.

Below are the steps to file a claim

Claim
Call our toll-free helpline number 1800 2666 or IL TakeCare app / ICICI Lombard website for assistance in case of an unfortunate accident / breakdown or for vehicle insurance claim intimation.
Inspection
Opt for video inspection/ physical inspection of your vehicle.
Approval
Get instant repair approval and track your claim status through our Claim Tracker.

You can avail 24x7 online assistance for your ICICI Lombard motor insurance policy through our toll free number. You can also visit the customer support section on our website.

Documents required to buy motor insurance online

To buy motor insurance online from ICICI Lombard, No documents are required. Simply choose your insurance type – car insurance or two wheeler insurance – and submit your vehicle details and contact number to get a quote.

Benefits of online vehicle insurance renewal

Contactless policy renewal

Online motor insurance renewal is completely contactless. With us, you can opt for a fully digital renewal process every time.

Simple & quick renewal

You can renew your vehicle insurance policy online in a matter of few clicks and receive the renewed policy copy instantly on email.

Easy customisation

Want to modify your coverage at renewal? Check out your renewal notice online, make changes as per your needs, see the updated premium and make payment. It’s that easy!

Transparent process

You can find all the details about your motor insurance renewal upfront- premium break-up, coverage, add-ons, etc. Online renewal process makes it easy for you to be sure about your policy.

Safe process

The transparency in information makes online vehicle policy renewal a safe process for you. Moreover, your online transaction goes through secured payment gateway to ensure that your information and financials are protected.

How to renew your motor insurance online

1

Visit the motor insurance renewal section on our website.

2

Enter your previous policy no. or registered mobile no.

3

Review your policy coverage and make payment.

Frequently asked questions about Motor insurance

What does motor insurance cover?

What is the period for which a motor policy is issued?

Commonly, a motor insurance policy in India is issued for a period of 12 months, i.e. 1 year. However, for two wheeler owners, it is now possible to opt for long-term motor insurance. IRDAI has introduced long-term two-wheeler insurance for a policy term of up to 3 years.

How can I cancel my claim?

After filing a motor insurance claim, in case you wish to cancel the claimin case you do not want to pay the deductible or for any other reasons you wish to cancel the claim, you can reach us through any of the following modes:

Contact your insurance representative directly
Call us on our toll free 1800 2666 for assistance
Reach out to us on customersupport@icicilombard.com

What if I do not have a motor insurance policy?

You must get a motor insurance policy for your own benefit. It’s not just the repair costs that you’ll have to bear in case of any damages, you may also have to pay a fine of Rs. 2000 if you are caught driving without a valid motor vehicle insurance by the police.

It is easy to buy motor insurance online if you have your vehicle registration number. You can buy ICICI Lombard motor insurance either from our website or IL Insure app through the following steps:

Enter the vehicle registration number and your contact details
Review instant quote received for your motor insurance policy based on your vehicle type
Pay the premium if you’re happy with quote
View and download policy instantly online

When you buy vehicle insurance online, remember to look for add-on features that suit your need.

How is motor insurance premium calculated?

Motor insurance premium for a vehicle is calculated on the basis of multiple factors, including the Insured Declared Value (IDV) of the vehicle, make and model of the vehicle, seating capacity, cubic capacity etc. The premium amount also depends on a few other factors such as the type of policy chosen, deductibles, and add-on covers. Third-party premiums are decided by the IRDAI.

How is the Insured Declared Value (IDV) of my vehicle decided and how does it impact my coverage?

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the start of the insurance or renewal. The IDV would subsequently change according to the depreciation grid below for each one year block within the policy period for the insured vehicle. All ages of vehicles, provided they have a valid fitness certificate as required by law, will be covered by the aforementioned product.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

AGE OF VEHICLE	% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

The IDV arrived as per the above method may also be adjusted basis various factors such as location, usage, road type/ terrain etc, with agreement of the insured and as captured in the policy schedule.

The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.

IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined on the basis of an agreement between the insurer and the insured.

IDV shall be treated as the Market Value throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.

The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle in the event of total loss/ constructive total loss/cash loss for the year in which loss has occurred. In order to ascertain the Total IDV as on date of loss, Tenure-wise chart is accompanied in the policy schedule.

Insured Declared Value of Car = Manufacturer's listed selling price - Depreciation Value
For instance, if your car is less than 6 months of age and its current market value is Rs. 10,00,000 then at 5% rate of depreciation, the IDV would be around 9.5 lakhs. However, if the car is above 1-2 years, then at 20% rate, the IDV would be 8.0 lakh.

* The above provisions of Insured declared value are in line with the erstwhile India Motor Tariff

What are the turnaround times (TAT) for my insurance services?

Sr No	DESCRIPTION OF SERVICE	Servicing TURN AROUND TIME
1	TAT acceptance of proposal	07 days from the date of receipt of the proposal form
2	TAT for issuing of policies	15 days of the acceptance of a proposal
3	TAT for passing an endorsement	07 days from the date of receipt of request
4	TAT for policy servicing	07 days from the date of receipt of request
5	TAT for appointment of surveyor	24 hours of claim intimation
6	TAT for receipt of survey report	15 days from appointment
7	TAT for claim approvals	7 days from survey report / Assessment Sheet
8	TAT for settlement of claims	7 days from survey report

What are the base products available, and how can I access their relevant policy documents?

Sr No	Product Name List	UIN	Product Type	LOB	Motor OD Tenure in years	Motor TP Tenure in years	Other Tenure	Link to Policy Wordings/ CIS
1	Private Car Package Policy	IRDAN115RP0017V01200102	Package	Motor	1	1	-	Policy wordings Other products
2	Two Wheeler Vehicle Package Policy	IRDAN115RP0015V05201415	Package	Motor	1 or 2 or 3	1	-	Policy wordings Other products
3	Goods Carrying Vehicle Package Policy	IRDAN115RP0013V01200203	Package	Motor	1	1	-	Policy wordings Other products
4	Passenger Carrying Vehicle Package Policy	IRDAN115RP0014V01200203	Package	Motor	1	1	-	Policy wordings Other products
5	Miscellaneous Vehicle Package Policy	IRDAN115RP0015V01200203	Package	Motor	1	1	-	Policy wordings Other products
6	Motor Trade Road Risk Package Policy	IRDAN115RP0002V01200203	Package	Motor	1	1	-	Policy wordings Other products
7	Motor Trade Road Transit Risk Package Policy	IRDAN115RP0008V01202223	Package	Motor	1	1	-	Policy wordings Other products
8	Trailer Package Policy	IRDAN115RP0006V01202223	Package	Motor	1	1	-	Policy wordings Other products
9	Motor Trade Internal Risk Package Policy	IRDAN115RP0001V01200203	Package	Motor	1	1	-	Policy wordings Other products
10	Compulsory Personal Accident (Owner-Driver) Under Motor Insurance Policies	IRDAN115RP0034V01201819	SPCA	Motor	NA	NA	Motor CPA - 1 Year	Policy wordings Other products
11	Smart Drive Motor Warranty Insurance	IRDAN115RP0020V01202122	EW	MISC	NA	NA	Motor EW Annual or Multiple years	Policy wordings Other products

What criteria is considered to classify my Insured vehicle as a Total Loss, Constructive Total Loss, or Cash Loss?

The insured vehicle will be treated as a Total Loss / Constructive Total Loss / Cash-loss if the aggregate cost of retrieval and/or repair of the vehicle, subject to the policy's terms and conditions, exceeds 75% of the IDV of the vehicle.
As further guided by the Master Circular on General Insurance business, If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a ‘total loss’ or ‘write-off’, the Insurer shall grant the Policyholder the option to retain the wreck and accept a ‘cash loss’ settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by the Insurer including any submitted by or through the Policyholder).
The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck in the event of total loss / constructive total loss/cash loss for the year in which loss has occurred. In order to ascertain the Total IDV as on date of loss, Tenure-wise chart of IDV would be accompanied in the policy schedule.
In case of Total Theft of the vehicle, the liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle (including accessories thereon). However the company shall not be liable for Loss of or damage to accessories due to burglary, housebreaking, or theft unless the vehicle is stolen simultaneously.
* The above provisions for determining Total loss/Constructive total loss /Cash loss are in line with the erstwhile India Motor Tariff and as guided by the Master circular on General insurance products.

Reviews and ratings

4.5
Our customers have rated us
Based on 832 reviews

ICICI Lombard has extremely great motor insurance policies. I recently opted for a car insurance policy and I am very glad I did. The features and benefits of this policy are great and it was exactly what I was looking for. Thank you ICICI Lombard for the awesome policy.

I was very much impressed by the ICICI Lombard's motor insurance policy. It has a lot of great features and benefits. I needed a two-wheeler policy and I found the perfect one with ICICI Lombard. I particularly liked the inbuilt personal accident cover with it. I'm really glad to be a part of the ICICI Lombard family!

I received clear and transparent information about the product from your customer service associate. She emphasised the importance of inclusions like third party liability and personal accident cover while making sure I didn’t have any doubts in my head. She was a great support throughout. I’d like to give her 10 out of 10 for the service.

The representative at ICICI Lombard was very helpful, patient, and clear while explaining the two wheeler policy to us. We had a few queries that needed solving before we could make a decision. Not only did he clarify our doubts but he also made sure we understood the product perfectly. Thanks!

Nice guidance and assistance offered on behalf of your salesperson. He shared his knowledge of the product with me and helped me understand its various features and benefits, such as towing assistance and cashless garages. I am grateful for the support.

Very good experience with ICICI Lombard. The agent was a thorough professional and did everything he could to make the transaction a smooth one. Thanks for making me feel at ease.

Read all reviews

Hi there!

Let us help you explore and buy a new policy.

Chat now

Available 24 x 7

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Vehicle insurance that is right for you.

Award from Consumers Asia’s Most Trusted Brand

Asia’s Most Trusted Brand 2022 – General Insurance

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

Understand your vehicle registration number

Understand your vehicle registration number

About vehicle insurance

Types of vehicle insurance coverage in India

Comprehensive motor insurance

Standalone OD cover

Third-party motor insurance

Compare ICICI Lombard motor insurance plans

Features and benefits of ICICI Lombard motor insurance

13000+ network garages##

IL Take Care app

Unique add-ons

Customised covers

No claim bonus transfer

Reliable customer support

What is covered by ICICI Lombard motor insurance?

Loss or damage due to natural disasters

Personal accident cover

Loss or damage against man-made disasters

Third-party legal liability

Why should you buy motor vehicle insurance?

Adherence to law

Escape traffic fines

Coverage against loss or damage

Personal accident cover

6 Reasons to buy vehicle insurance from ICICI Lombard

Benefits of buying vehicle insurance online

Instant vehicle insurance policy

Zero paperwork

Buy anything, anywhere

Review customer feedback

Easy comparison

How to buy vehicle insurance online

Step 1

Step 2

Step 3

Claim process of motor insurance

Below are the steps to file a claim

Documents required to buy motor insurance online

Benefits of online vehicle insurance renewal

Contactless policy renewal

Simple & quick renewal

Easy customisation

Transparent process

Safe process

How to renew your motor insurance online

Frequently asked questions about Motor insurance

What does motor insurance cover?

What is the period for which a motor policy is issued?

How can I cancel my claim?

After filing a motor insurance claim, in case you wish to cancel the claimin case you do not want to pay the deductible or for any other reasons you wish to cancel the claim, you can reach us through any of the following modes:

What if I do not have a motor insurance policy?

You must get a motor insurance policy for your own benefit. It’s not just the repair costs that you’ll have to bear in case of any damages, you may also have to pay a fine of Rs. 2000 if you are caught driving without a valid motor vehicle insurance by the police.

It is easy to buy motor insurance online if you have your vehicle registration number. You can buy ICICI Lombard motor insurance either from our website or IL Insure app through the following steps:

When you buy vehicle insurance online, remember to look for add-on features that suit your need.

How is motor insurance premium calculated?

How is the Insured Declared Value (IDV) of my vehicle decided and how does it impact my coverage?

What are the turnaround times (TAT) for my insurance services?

What are the base products available, and how can I access their relevant policy documents?

What criteria is considered to classify my Insured vehicle as a Total Loss, Constructive Total Loss, or Cash Loss?

Reviews and ratings

4.5

Rajiv

Farzan Juwle

Subrahmanyam Kancharla

Andrew Dsouza

Amit Tamore

Naresh Kumar Jain

Disclaimers:

OTP verification

13000+ network garages^##

6 Reasons
to buy vehicle insurance from ICICI Lombard