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ICICI Lombard Standalone Own-Damage Car Insurance Policy

Unlike Comprehensive and Third-party car insurance, Own Damage car insurance provides coverage if there is any damage to the car. With a standalone own-damage cover the cost of repairing your car in case of a mishap is compensated for by the insurance provider. Moreover, the compensation also provides financial stability for the policyholder in a time of crisis. This cover is versatile in that it provides protection in a wide variety of own-damage costs including cases of theft, vandalism, fire, explosions, road accidents, natural and manmade calamities.


  • Cases of total loss or theft of the car.
  • Road accidents/ collisions that cause damage to the car.
  • Damage caused to the car during transportation.
  • Any damage that occurs due to a natural or man-made calamity.


  • Mishaps that occur outside the country.
  • Mishaps that occur due to some form of illegal driving
  • Breakdowns of the car due to mechanical or electrical failures
  • Depreciation of the car

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


ICICI Lombard Third Party Insurance

ICICI Lombard Standalone Own-Damage

ICICI Lombard Comprehensive Insurance


ICICI Lombard third party car insurance will take care of third party liabilities in case of a mishap including bodily injuries, death and property damage.

ICICI Lombard standalone own-damage car insurance will take care of own-damage costs of your car in a wide variety of scenarios such as road accidents, theft etc. Moreover, insurance providers give NCB for claim-free years.

ICICI Lombard comprehensive car insurance plans will take care of both third party liabilities and own-damage costs under a single premium. Furthermore. They offer an optional personal accident cover.


ICICI Lombard third party car insurance does not offer add-on covers.

ICICI Lombard standalone own-damage car insurance offers many add-on covers.

ICICI Lombard comprehensive car insurance plans offer a variety of add-on covers to choose from.


ICICI Lombard’s third party insurance is the cheapest policy they offer because it provides the most basic coverage.

ICICI Lombard’s third party insurance is more expensive than third party insurance as it offers more enhanced coverage.

ICICI Lombard’s comprehensive car insurance plan is the most expensive as it provides holistic protection by taking care of most own-damage costs and third party liabilities.

Benefits of ICICI Lombard Standalone Own-Damage Policy

ICICI Lombard’s standalone own-damage car insurance comes with the following benefits:

  • The insurance holder is protected from a wide variety of scenarios in case of a mishap.
  • For every claim-free year, the insurance holder will receive a NO CLaim Bonus which is cumulative in nature.
  • ICICI Lombard offers add-on covers with their standalone own-damage insurance which can be purchased to further enhance its coverage.

How To Purchase ICICI Lombard Standalone Own-Damage Policy?

ICICI Lombard standalone own-damage car insurance can be purchased by following these steps:

Step 1: Visit the website InsuranceDekho and click on the car insurance tab. A drop-down menu will appear on the screen. Select ‘Standalone Own Damage’ from the available options.

Step 2: Provide your car’s registration number. You can also enter other information such as the car’s make, model and year of registration if you do not have the number.

Step 3: Enter your personal details, i.e., name and phone number and select ‘Submit and Get Quotes’.

Step 4: Quotes for standalone own-damage policies from different insurance companies will be visible on the screen. Select the offer by ICICI Lombard and select any add-ons you would like to purchase.

Step 5: Pay for your chosen ICICI Lombard standalone own-damage policy and the policy document will be sent to your registered email ID.

Must Read Articles before buying Icici Lombard Car Insurance

Icici Lombard Car Insurance User Reviews

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  • Protection with No Compromises...

    InsuranceDekho's own damage coverage offers comprehensive protection without any compromises for my ICICI Lo...

    By Prasana Ved
    On: November 29, 2023
  • Minimized Disruptions

    With InsuranceDekho's cashless garages, disruptions to my daily life due to car repairs for my Chevrolet car...

    By Rani Yadav
    On: November 22, 2023
  • Financial Security

    Comprehensive coverage is a source of financial security. InsuranceDekho's ICICI Lombard Car Insurance Polic...

    By Sriniwas Jaggi
    On: November 16, 2023
  • Protection Against Unexpected

    Accidents and unforeseen events can happen to anyone. The own damage coverage that I added to my ICICI Lomba...

    By Pooja Yadav
    On: November 15, 2023
  • Expert Repair Technicians

    The repair technicians at the cashless garages are experts in their field. They ensured that my Maruti car w...

    By Meera Gowdia
    On: November 9, 2023
  • Trustworthy and Reliable Claim...

    I recently had to file a claim for my Ford car. InsuranceDekho's claims handling for the ICICI Lombard Car I...

    By Preeti Nagesh
    On: November 8, 2023
  • Budget-Friendly Comprehensive ...

    I was delighted to discover budget-friendly comprehensive coverage options with the ICICI Lombard Car Insura...

    By Krishna Prasad
    On: November 7, 2023
  • Peace of Mind While Driving

    When I took the ICICI Lombard Car Insurance Policy, InsuranceDekho's own damage coverage gave me peace of mi...

    By Lakshmi Dutta
    On: November 3, 2023
  • Simple and Transparent Terms

    I felt that the terms and conditions of third-party coverage through InsuranceDekho were simple and transpar...

    By Kajal Verma
    On: November 2, 2023
  • Convenient Online Renewal

    I appreciate the convenience of renewing my ICICI Lombard Car Insurance Policy for my MG car online through ...

    By Gargi Banerjee
    On: October 31, 2023

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ICICI Lombard Standalone Own-Damage FAQs

  • What is ICICI Lombard Own damage insurance?

    With ICICI Lombard own damage insurance plan, you can keep yourself protected against the loss or damage caused to your own vehicle incurred due to any kind of theft, accident or mishap.

  • Who is eligible to buy ICICI Lombard Own damage insurance?

    Any individual having an active third party insurance plan is eligible to buy ICICI Lombard own damage insurance plan in order to get coverage for their own car.

  • Is buying your own damage cover for a car necessary?

    No, it entirely depends upon the individual whether they want to buy their own damage cover or not. Moreover, as per law, it is only mandatory to buy a third party liability insurance.

  • How is premium calculated for my ICICI Lombard Own Damage Insurance Plan?

    The premium calculation for your ICICI Lombard own damage insurance plan is done after taking into consideration various factors like geographical zone, engine cc, car make, car age, vehicle type, amongst others.

  • What documents do I need to submit in order to make an own damage claim?

    The following set of documents are required to make an own damage claim:

    • FIR Report copy
    • Copy of car insurance plan
    • A copy of driving license
    • Car RC
    • Repair estimate
    • No claim certificate
    • Photo/Other proofs of accident or mishap
    • Any other documents (as asked by insurance company)
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