ICICI Lombard Comprehensive Car Insurance Policy

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

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.

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.