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ICICI Lombard Third Party Car Insurance

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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 Third Party Car Insurance

    Buying a car brings in legal obligation to purchase at least a third-party coverage policy. The Motor Vehicles Act of 1988 makes it mandatory for every car owner to insure his/her car against third-party liabilities. In accordance with this, ICICI Lombard offers third-party liability coverage plans for its customers.

    Although being a legal obligation, a third-party insurance cover saves you from chipping out a chunk of your savings in case of an accident. ICICI Lombard third-party insurance policy covers you from the expenses incurred on compensating the third-party. This includes reimbursement of expenses made while indemnifying third party injury/death as well as third-party property damage. Moreover, a third-party liability policy is also more affordable in comparison to the comprehensive one, thanks to the limited coverage.

    ICICI Lombard Third Party Car Insurance vs Comprehensive Car Insurance

    Basis

    Third Party Car Insurance Plan

    Comprehensive Car Insurance Plan

    Coverage

    It covers the financial and legal liabilities arising towards a third party only.

    It provides coverage for the damage caused to not only the third party but also to the insured’s car.

    Nature of Requirement

    As per Indian Motor Tariff, it is mandatory for every car owner to have at least a third party insurance.

    A comprehensive insurance policy is optional and not mandatory. Purchasing or not purchasing it depends on the owner’s preference.

    Add-ons Availability

    A third party car insurance does not offer any add-ons.

    You can avail a variety of add-on covers along with a comprehensive insurance policy.

    Cost

    The premium for a third party insurance is relatively low.

    The premium for comprehensive car insurance is relatively high due to extensive coverage.

    What All Is Covered Under ICICI Lombard Third Party Car Insurance Plan?

    ICICI Lombard Third Party car insurance plan covers the following liabilities of the third party:

    • Besides covering injury/death of a third party, this obligatory policy also covers any damage caused to a third-party property by your car upto INR 7.5 lakh.
    • It gives you coverage against legal complications involved after an accident. Apart from financial compensation, the insurer also helps in dealing with legal norms.

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

    When it comes to a third party insurance, it is a compulsory insurance product but offers limited insurance coverage, which every policyholder needs to be aware of. Here are a few crucial offerings which are excluded from the third party car insurance plan:

    • No coverage for injuries suffered by the policyholder.
    • Damages sustained by the insured car will not be covered.
    • Optional personal accident cover is not provided with the third party plan.
    Car insurance starting from Rs. 2072/year*
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    *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

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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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      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 Third Party Car Insurance FAQs

    • What is covered under the third-party cover offered by ICICI Lombard?

      Third party policy covers the policyholder against injury/death of third-party and damages caused to third-party property.

    • Can I pay my third-party policy’s premium online?

      Yes, you can pay the premium for your third party policy online using a debit/credit card or net banking. For more details, call us at 075511-96989.

    • What if I lose my policy document?

      There is no need to worry if you have lost your policy document. You can call up ICICI Lombard and request them to email you the policy copy. You can take the printout of your policy.

    • What should I do after an accident?

      If the third-party has suffered from any fatal injury, seeking medical help must be the first priority. Immediately reach out to the nearest hospital for assistance and also inform ICICI Lombard in-between.

    • Do I need to register an FIR after an accident?

      Yes, lodging an FIR at the local police station is mandatory. You also need to submit a copy of the same to the insurer, along with other documents.

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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.