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ICICI Lombard Third Party Car Insurance

172 reviews Rate This
    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


    Third Party Car Insurance Plan

    Comprehensive Car Insurance Plan


    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.


    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.


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    ICICI Lombard Car Insurance User Reviews

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    • car insurance

      fast and good service, immediately call from customer service they will help and confirm from their side. over...

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      Maruti Alto 800 Cuddalore
      On: May 25, 2022
    • Nice experience

      very user friendly to do insurance policy and it is very easy and nice experience. thanks for all your support...

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      Honda City 2011-2014 Chennai
      On: May 24, 2022
    • Renew your policy without fuss

      Renewed policy without fuss. Co-ordinator provided all required info.Thnx team insurancedekho !!!!!!!!!!!!!!!!...

      Read More
      Maruti Swift Dzire Noida
      On: February 3, 2022
    • Very convenient process

      Very convenient and hassle-free process. I am very happy with the process and experience provided by the insur...

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      Hyundai i20 2015-2017 New Delhi
      By SRI DHAR
      On: November 26, 2021
    • Good reviews

      Good platform for policy comparison. It helped me get the best quotation for car insurance and other insurance...

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      Maruti Wagon R Jaipur
      On: November 21, 2021
    • Best Sales process

      I am Rashmi and I purchased a policy from your company. It was a great experience to purchase a policy online...

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      Maruti Swift Gurgaon
      On: November 20, 2021
    • Car policy

      Best policy compair and value for mony its excellent service quick call and support for buy policy and quick p...

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      Maruti Swift Nagpur
      On: October 17, 2021
    • very useful portal for every c...

      quick, easy, transparent and fast All insurance companies quote at a single click, comparison on coverage feat...

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      Maruti Wagon R Mumbai
      On: October 1, 2021
    • BMW XOne policy renewal

      The customer care executive from your team was very helpful, patient and knowledgeable. Managed to give a solu...

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      BMW X1 Vadodara
      By Arunkumar Shaiwale
      On: September 21, 2021
    • So easy to buy insurance

      Very easy to book insurance. Had no problem with the interface. Comparison was excellent and provided good inf...

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      Toyota Innova 2004-2011 Bidar
      On: September 16, 2021

    635 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.