ICICI Lombard Comprehensive Car Insurance Policy

Predicting a mishap on the road is not in your hand, but one thing that you can surely do is to insure your vehicle against such uncertainties. With ICICI Lombard's comprehensive car insurance, you can not only protect your car against third-party liability but also if it is damaged due to any other reasons. Apart from the standard cover offered under the comprehensive plan, you can also include add-on covers that provide even greater coverage.

Listed below are the inclusions and exclusions of the ICICI Lombard Comprehensive Car insurance plan.

Inclusions:

• 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.
• ICICI Lombard car insurance also provides coverage for own damage due to natural calamities, riots, accidents, or other reasons.
• With ICICI Lombard car insurance, policyholders can also get coverage if their car is stolen or lost.

Exclusions:

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 driving or intoxication
• If the car was being ridden without a valid driving license
• If the tube or tire 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

ICICI Lombard Comprehensive Car Insurance vs Third Party Car Insurance

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.