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Car Insurance Policy

A comprehensive Car 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 and Liability cover all in one policy.

 

Car Insurance in India is governed by the 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. So choose the best car insurance company in India.



 

Key Benefits


 Immediate policy copy issuance online.

 

 Get Road Side Assistance cover, you can avail assistance anytime and anywhere. Click here to know more.

 

 Now, get daily allowance when your car is in the garage with our Garage Cash Cover. Click here to know more.

 

 Cashless servicing facility at 3100+ network garages across India.

 

 Zero Depreciation Cover#. Avail coverage on replaced parts with zero deduction for depreciation.

 

 Accidental cover facility for co-passengers up-to Rs. 2 Lac.

 

 Avail off No Claim Bonus (NCB)*. This benefit is valid if you haven't claimed in your old policy. This is also valid if your previous policy was not with ICICI Lombard.

 

 Set Renewal Reminder to receive policy renewal reminders.

 

 Doorstep surveyor facility in case of break in insurance.

 

 Get towing assistance in case of a vehicle breakdown or an unfortunate accident.

 

 Voluntary deductible is applicable in the event of claim when the amount you opt for is over and above the compulsive deductible. Final Claim amount will be after deduction of depreciation on parts, VD and compulsory deductible as per IMT).

 

 Automobile Associations members can get up-to 5% discount.**

 

 Up-to 2.5% discount (# on own damage premium and subject to max of Rs. 500) on ARAI Automobile Research Association of India approved anti theft devices.

 

 Multiple payment options on car insurance policy.

 

* 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.
 Valid on Own Damage Premium and subject to a maximum of Rs.200.
 This service is offered by the banks and ICICI Lombard General Insurance Company Ltd. holds no responsibility or owes no liability in case of this facility provided by the banks to it's customers."
^ 2900+ garages as of 15th May 2013. For An updated list, Please refer to our website.

Policy Coverage


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, terrorism activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

 

Personal Accident Cover

Coverage of up to Rs.2 Lakhs for the individual 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.

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.



Policy Exclusions


What is not covered

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/ electrical breakdown
  • Damage to 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 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 more details, kindly refer to the Policy Wordings.

FAQ's   |   All India Garage List

 

Disclaimer:
 
Insurance is the subject matter of solicitation.
"ICICI Bank Limited ("ICICI Bank") is licensed by the IRDA to act as a Corporate Agent of ICICI Lombard General Insurance Company Limited. The contract of insurance will be between ICICI Lombard General Insurance Company Limited and the Insured, and not between ICICI Bank and the Insured. ICICI Bank is acting merely as the Corporate Agent of ICICI Lombard General Insurance Company Limited and there is no direct or indirect linkage between the provisions of the banking services offered by ICICI Bank and your usage of the product or participation in the scheme offered by ICICI Lombard General Insurance Company Limited. Your participation in this product is purely on a voluntary basis. ICICI Bank is not liable or responsible for any claim, dispute, liability, loss or shortfall resulting from the scheme. This policy is brought to you from ICICI Lombard General Insurance Company Limited. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer."