A comprehensive Motor Insurance policy for your car that keeps it secure against damage caused by natural and man-made calamities, including acts of terrorism. Avail of Own Damage, Personal Accident cover for owner-driver and Third Party Legal Liability cover all in one policy.
Policy Details


Key Benefits
  • A digitally signed policy is issued immediately through our online facility.
  • Access to over 2700+ network garages for cashless claims servicing across India.
  • Doorstep surveyor facility to cover your car with a break-in insurance.

Key Benefits
  • A digitally signed policy is issued immediately through our online facility.
  • Access to over 2700+ network garages for cashless claims servicing across India.
  • Doorstep surveyor facility to cover your car with a break-in insurance.
  • Optional Personal Accident cover for co-passengers.#
  • Avail NCB on renewals if no claim is made during the previous policy period.*
    Know more
  • Towing charges up to INR 1,500 in case of accidental damage (as per the policy
    terms and conditions).
  • Transfer all No Claim Bonus (NCB) benefits when shifting your motor insurance
    policy to ICICI Lombard.*
  • 5% discount for recognised Automobile Associations Members.**
  • 2.5% discount for ARAI approved anti theft device in your vehicle.***
  • Avail add-on covers for items such as fog lights, music system and seat covers.
  • Buy Online and pay in installments without any extra charges.****

# Provided such a passenger is not taken along for hire or reward.
* NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available, provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in form of a written declaration or renewal notice or a letter confirming the NCB entitlement from the previous insurer. Click here to view the wordings of the written declaration. NCB is applicable only on the Own Damage Premium for your policy.
** Valid on Own Damage Premium and subject to a maximum of INR 200.
*** Valid on Own Damage Premium for Automotive Research Association of India approved anti-theft devices and subject to a maximum of INR 500.
**** EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card customers at the sole discretion of the Banks.

Note: EMI option subject to minimum annual premium of INR 10,000. Click here to know more.
What is covered

Loss or Damage to your vehicle against Natural Calamities
Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.


What is covered
Loss or Damage to your vehicle against Natural Calamities
Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Loss or Damage to your vehicle against Man-made Calamities
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.

Personal Accident Cover
Coverage of INR 2 Lakhs for the individual owner-driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers available.

Third Party Legal Liability
Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

For more details, kindly refer to the Policy Wordings.



What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.

What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged
    at the same time, in which case the liability of the company shall be limited to 50%
    of the cost of replacement.
  • Vehicles including cars being used otherwise than in accordance with limitations
    as to use.
  • Damage to/ by a person driving any vehicles or cars without a valid license.
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
  • Loss/ damage due to war, mutiny or nuclear risk
For details, kindly refer to Policy Wordings.
Sum Insured
  • All vehicles are insured at a fixed value called the Insured’s Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle
    (plus the listed price of any accessories) after deducting the depreciation for every
    year as per the schedule provided by the Indian Motor Tariff.



Sum Insured
  • All vehicles are insured at a fixed value called the Insured’s Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle
    (plus the listed price of any accessories) after deducting the depreciation for every
    year as per the schedule provided by the Indian Motor Tariff.
  • If the price of any electrical and / or electronic item installed in the vehicle is not
    included in the manufacturer’s listed selling price, then the actual value (after
    depreciation) of this item can be added to the sum insured over and above the IDV.
  • In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/ LPG,
    permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be
    insured separately at an additional premium of 4% on the value of such kit. You need
    to specifically declare this in the proposal form.
Choosing the right Car Insurance
When it comes to choosing insurance for your health, travel, student, home, etc. you have many options to compare between the various policies available in the market. As each company offers innovative covers, it becomes easier for you to make a decision based on the coverage as well as the premium offered. However, this does not hold true when buying Car Insurance.

Car Insurance in India is governed by the All India Motor Tariff, so the coverage for your vehicle would be the same no matter which company you would buy it from. Moreover, car insurance is mandatory and needs to be renewed every year.

Here are a few pointers to help you to make a more informed decision on car insurance.




Choosing the right Car Insurance
When it comes to choosing insurance for your health, travel, student, home, etc. you have many options to compare between the various policies available in the market. As each company offers innovative covers, it becomes easier for you to make a decision based on the coverage as well as the premium offered. However, this does not hold true when buying Car Insurance.

Car Insurance in India is governed by the All India Motor Tariff, so the coverage for your vehicle would be the same no matter which company you would buy it from. Moreover, car insurance is mandatory and needs to be renewed every year.

Here are a few pointers to help you to make a more informed decision on car insurance.

Check out the premium
Even if the coverage offered would be the same, the premium charged by various companies would still be competitive. Study the cost involved with various companies and choose the one which gives you the best rate. However, don't let car insurance premium be the only deciding factor.

Name / goodwill of the company
Try and buy car insurance from an insurance company which has a good name and reputation. It always helps to go with the number one in the country!

Consider the garage tie-ups
All insurance companies tie up with various garages across the country for cashless settlement of claims. When you get your vehicle serviced at any of these garages, the claims are directly settled by the insurer. Always check the number of cashless garages the company has a tie up with. Also, consider the quality and the location of these garages..

Payment options
Always consider what the various payment options available are. For example, the EMI option is very helpful in situations where you do not want to pay in lump-sum.

Buy online, it has many benefits
When you buy online, a digitally signed policy is generated. This is a valid legal document. The softcopy of your insurance policy is available online and can be accessed anywhere and at anytime. This saves you the trouble of being extra careful about your hardcopy documents. Also, buying online is very convenient and hardly takes a few minutes.

ICICI Lombard is the number one general insurance company (as rated by auto insurance customers in India) having one of the largest cashless garage network of more than 2,700 garages.

Make your choice for car insurance based on the parameters listed above to enjoy complete peace of mind. .