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ICICI Lombard Comprehensive Car Insurance Policy

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    Network Garages8,800+
    Claim Settlement Ratio87.71%
    Emergency AssistanceAvailable 24/7
    Policies Issued2.6 crore in FY20
    AccreditationiAAA Rating by ICRA
    Presence46 Countries

    ICICI Lombard Comprehensive Car Insurance

    Whether a tedious journey or a rough road, every terrain has its own uncertainties. Although you can not predict the forthcoming mishap or can hardly prevent it from happening, you can, for sure, insure against it. When it comes to insurance, you must always opt for a comprehensive car insurance policy, instead of the mediocre third-party liability cover. ICICI Lombard has that for you and also along with other range of benefits.

    A comprehensive car insurance policy offered by ICICI Lombard covers not only the indemnification of third-party losses but also yourself and your car. It entitles you to get the claim for damages occurred to your car and also for the injuries occurred to you. Apart from the standard cover, you can also purchase useful add-on covers that insure the things which are excluded from the standard plan.

    ICICI Lombard Comprehensive Car Insurance vs Third Party Car Insurance

    Basis

    Comprehensive Car Insurance

    Third Party Car Insurance

    Coverage

    Comprehensive car insurance provides coverage for both - third party liabilities as well as own damages incurred by the insured’s car.

    Third party car insurance provides coverage only for third party liabilities which may arise due to a mishap involving the insured’s car.

    Add-ons

    Various add-on covers such as Zero Depreciation Cover, Engine Protection Cover, Road Side Assistance Cover etc. can be opted for with this plan.

    No add-on covers are available to the policyholder with this plan.

    Premium

    It ensures extensive coverage, therefore the premium is relatively higher.

    It provides limited coverage, therefore premium is relatively lower.

    Nature of Requirement

    It is optional but a recommended plan.

    It is a mandatory requirement as per Indian Motor Tariff.

    What All Is Covered Under ICICI Lombard Comprehensive Car Insurance Plan?

    ICICI Lombard Comprehensive car insurance provides the following coverage to its policyholder:

    • Third party/legal liabilities: A comprehensive car insurance takes care of all the financial and legal obligations incurred by the policyholder towards a third party due to a mishap involving the insured’s car.
    • Own-damage coverage against natural calamities: The policy compensates for own-damages incurred by the insured’s car due to natural calamities such as flood, earthquake etc.
    • Own-damage coverage against man-made disaster: The insurer provides coverage for own-damage incurred by the insured’s car occurred due to riots, strikes, etc.
    • Own-damage coverage against theft: This plan also insures the car against theft.

    What All Is Not Covered Under ICICI Lombard Comprehensive Car Insurance Plan?

    There are certain scenarios wherein the ICICI Lombard car insurance plan does not provide any coverage:

    • In case of conflict or war
    • In case of drink and drive or intoxication
    • If the car was being ridden without a valid driving licence
    • If the tube or tyre is the only part harmed during the incident
    • If the damage has occurred due to a contractual agreement
    • If the car was not driven by the described person at the time of the accident
    • If the accident occurred in a place beyond the geographical extent mentioned in the policy.

    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    ICICI Lombard Comprehensive Car Insurance Benefits

    ICICI Lombard offers sterling and extensive comprehensive car insurance policy. The extra premium, which you will pay in compared to the slender third-party cover will repay you with hefty benefits.

    • Not only damages, but a comprehensive plan also insures the vehicle against theft. Additionally, you get 6 months of quality assurance on all repairs.
    • You can also get discount in form of No Claim Bonus, if no claim is filed during the policy tenure. Also, the discount piles over every claim-free year, up to 5 years.
    • Comprehensive car insurance policy sold by ICICI Lombard, besides covering you from third-party liabilities, also insures you and your vehicle against injury/death and damage, respectively.
    • You also get the option to purchase nifty add-on covers by paying an extra premium. These add-ons are highly useful and practical. They cover things, which are usually not included in the standard comprehensive plan.

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    When did you buy your car?
    20072019
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    ICICI Lombard Car Insurance User Reviews

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    • Paperless insurance solutions

      InsuranceDekho serves its customers without getting them tangled in tedious paperwork and gives all the solu...

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      By Ganesh Sharma
      On: January 13, 2023
    • Reliable information available

      The InsuranceDekho website is very informative. I recently visited them and bought the ICICI Lombard car ins...

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      By Ansh Nagpal
      On: January 12, 2023
    • Ease in comparison of plans

      It is not at all tough to compare plans on the InsuranceDekho website which made it easy for me to pick a pl...

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      P
      By Pratham Jaggi
      On: January 10, 2023
    • Reminder feature

      The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the ICICI L...

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      By Manoj Gulati
      On: January 5, 2023
    • Purchased at ease

      The buying process from the InsuranceDekho website is too easy. I recently bought the ICICI Lombard car insu...

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      By Anuj Kalra
      On: January 4, 2023
    • Best insurance policy for car

      Very transparent and quick deal. Agents are informative and providing goos service. Received the policy docume...

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      BMW X1 2012-2015 Thane
      By Mahesh Ingale
      On: January 4, 2023
    • Good

      Process and support was good, able to pick better plan out of many confusing quotations ...

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      Hyundai i20 Ranga reddy
      By SRI HARSHA N
      On: January 3, 2023
    • Excellent Comparison Support

      Good Support for Comparison by your team. Thanks for timely response. You have shown the multiple options so t...

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      Maruti Ciaz Chennai
      By RAJALAKSHMI B
      On: December 31, 2022
    • Awesome experience

      Wonderful experience interacting with Rohit. He assisted me with all the queries. Thanks for your assistance. ...

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      Honda Jazz Gurgaon
      By Gaurav Salgotra
      On: July 11, 2022
    • Multiple choice of policies

      Felt cheaper and had more options compared to Policy Bazaar. Rishabh called and helped so could immediately ge...

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      Hyundai Santro Udupi
      By KUSUMA S SHETTY
      On: June 30, 2022

    431 Icici Lombard Cashless Garages in India

    ICICI Lombard Comprehensive Car Insurance FAQs

    • Why should I purchase ICICI Lombard comprehensive car policy?

      ICICI Lombard comprehensive car insurance policy has an extensive coverage plan. It covers injury/death of the policyholder, damages/theft of the insured car as well as indemnifies for third-party liability expenses.

    • What are the methods for inspection of the damaged car?

      ICICI Lombard offers self-inspection of your damaged car. You can use the company’s mobile app for the same. Alternatively, you can also ask for the arrangement of a surveyor.

    • What should I do if my car is stolen?

      In case of theft of the insured vehicle, lodge an FIR at the local police station and a copy of the same should be submitted to the company along with other documents. Also, inform the company about the incident and furnish them with details of witnesses (if available).

    • Does ICICI Lombard offer cashless claim settlement?

      Of course, in order to render hassle-free repair and claim settlement, ICICI Lombard has a network of more than 8,800 cashless garages spread across the country.

    • What documents do I need to submit to the company during the claim settlement process?

      You need to submit the following documents:

      • Original Claim form
      • Registration certificate (In case of a new vehicle which is less than 3 months old and registration certificate is not available, tax receipts and vehicle purchase invoice are collected)
      • Driving license of the person driving the vehicle at the time of the accident
      • Copy of Policy
      • Copy of Aadhaar Card & Pan Card/Form 60
      • FIR or Police report (depending on loss type)
      • Garage Estimate
      • Repair invoice
      • Cancelled cheque (In case of non-cashless settlement).
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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.