What is car a insurance? Third party car insurance

 A comprehensive car insurance policy, also known as motor package insurance, saves you money if your car is damaged in an accident or natural calamity. It also protects your vehicle from theft and theft. Sometimes, you can injure others or damage property in an accident. A car insurance policy also covers such third party liabilities.

car a insurance
car a insurance

What are the different types of car insurance policies?

We provide you everything you need! Choose according to your needs.

Private Car Package Policy.

A comprehensive car insurance policy gives you complete protection. It not only covers the cost of damage caused to a third party but also covers damages caused to your car. This policy type also covers car theft and loss due to fire, burglary and natural calamities.

Stand-alone on-damage car insurance

With our stand-alone own-damage car insurance, you are covered against any accidental damages that may happen to your car. These can be due to natural calamities like earthquake, flood, cyclone and landslide or man-made calamities like theft, theft, riot or strike. To buy this insurance, you must have an active third party insurance policy for the vehicle.

Third party car insurance

In this type of insurance policy, you are covered from legal liabilities arising out of an accident. If your car injures a third party or damages surrounding property, we will take care of the expenses.

Why should you buy a comprehensive car insurance policy?

Here are six benefits that are hard to pass up.

Third party car insurance is mandatory

As per the Motor Vehicles Act of India, it is mandatory for all vehicles plying on the road to be insured. As a car owner, you must have third party liability coverage.

Protects you from traffic fines

According to the new Motor Vehicle Act 2019A, driving without car insurance can attract a fine traffic of ₹ 2000. If you are caught a second time, the fine will be ₹ 4000.

The owner provides personal accident coverage for the driver

Our car insurance olicy provides coverage of ₹ 15 lakh for injuries caused to the registered owner driver while traveling in a car, or while getting off or alighting from the car.

Provides easy access to cashless garage

We have a network of 4800+ cashless garages that take care of your car after a breakdown. We pay for repairs as claimed and settle the dues directly with the garage.

Covers car damage

Our car insurance policy covers any damage caused to your car due to accidents or natural calamities and takes care of the cost of repairs.

Protects your car from theft

If your car is stolen and cannot be found back, we pay for your loss.

Why should you buy car insurance online from ICICI Lombard?

We make life easy!

Affordable premium, easy renewal, quick claim settlement are some of the salient features of our private car package insurance policy. We also have a set of certified workshops that provide speedy claim processing, pickup and drop, cleaning of high touch points on your car, dedicated customer service manager and digital surveys for quality assurance on repairs.

Apart from this, we also offer unique additional covers at a nominal additional premium that can significantly enhance your car insurance plan. By opting for add-ons to a car insurance policy, you can save a lot of money in repairs.

What is covered by ICICI Lombard Car Insurance Policy?



What’s included:

Coverage for natural disasters like earthquakes, floods, fires and storms

Cashless repairs in 4800+ network garagesC

Coverage for theft, accidents and terrorist activities

No claim bonusF up to 50%

₹ 15 lakh Personal Accident Cover

9 add ons to choose from

Third-party legal liabilities cover

Instant claim settlement via InstaSpect

What’s not:

Car wear & tear and aging

Damages while driving under the influence of drugs or liquor

Any consequential loss

Mechanical or electrical breakdown

Damages while driving without a valid license

Loss / damage due to war, mutiny or nuclear risk

ICICI Lombard car insurance plan add-on benefits

When buying ICICI Lombard car insurance online, choose from a mix of add-ons for extra premium.

roadside assistance cover

Helps you in case of breakdown / accident – network drive to garage, battery jumpstart, minor repairs, on-call support and taxi benefits.

engine protect cover

Pays to repair or replace a damaged engine. A handy add-on for those who live in an area prone to flooding when it rains, or if you have a high-end car.

consumable protect cover

Pays for the repair or replacement of nuts and bolts, screws, washers, grease, lubricants, clips, A / C gas, bearings, distilled water, engine oil, oil filters, fuel filters, brake oil and related parts.


Zero depreciation cover

As your car ages, the value of its parts decreases or decreases. At the time of claim, Zero Dip. The cover compensates you for the claim amount that is deducted on account of depreciation.

Garage cash cover

Gives daily allowance for optional travel while your car is repaired in the garage. You can use t

his money to pay for cab or auto fares.

Personal items, such as your laptop, phone, and clothing in your car, are included. If these items go missing from your car or get damaged in an accident, it covers you.

How does ICICI Lombard car insurance work?

Buying and renewing ICICI Lombard car insurance online is easy. You can opt for an annual or long term insurance policy (3 years for new vehicles) on our website. Once you have purchased our car insurance policy, we email your policy documents and also send a hard copy by post. Then you can drive worry free because –

Our insurance covers you against natural and man-made disasters

We have 4800+ network garages for cashless repair in case of loss

Easy to claim through our call center, website and app

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