ICICI Lombard Comprehensive Car Insurance

Key features

• ✓Comprehensive private car package policy
• ✓Own damage plus third-party liability cover
• ✓No Claim Bonus up to 50% on renewal
• ✓Personal Accident cover for owner-driver of ₹15 lakh
• ✓Cashless settlement at network garages
• ✓InstaSpect app-based video claim survey for fast settlement
• ✓Online policy issuance and self-renewal
• ✓Multiple add-on covers including Zero Depreciation
• ✓24x7 customer support
• ✓Long-term policy option for new cars (3 years OD + TP)

What’s included

• ✓Accidental damage to own vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Theft, burglary, housebreaking
• ✓Natural disasters (flood, earthquake, cyclone, hurricane)
• ✓Man-made disasters (riot, strike, terrorism, malicious damage)
• ✓Damage in transit by rail, road, inland waterways, air
• ✓Third-party bodily injury, death and property damage liability
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear, tear and depreciation
• ✕Mechanical or electrical breakdown
• ✕Driving without valid driving licence
• ✕Driving under influence of intoxicants
• ✕Use of vehicle outside the geographical area
• ✕Loss due to war, mutiny, nuclear risks
• ✕Consequential loss
• ✕Damage to tyres / tubes (unless caused by accident, then 50%)

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (3-year long-term option for new cars)

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered