Why our customers love us?
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.
What are the different types of car insurance policies?
We offer all that you require! Choose as per your needs.
1. 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.
2. 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.
3. 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.
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 2019A, 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.
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 5100+ cashless garagesC 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.
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 surveyE for speedy claim processing, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assuranceE 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.