Car Insurance

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 ¹4000.

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?


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.

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.

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.

What is covered by ICICI Lombard Car Insurance Policy?

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

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.