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ICICI Lombard Comprehensive Car Insurance combines own-damage protection with third-party liability cover under the applicable private car package policy. Subject to policy terms, own-damage protection can cover insured losses caused by events such as accidents, theft, fire, natural calamities and specified man-made incidents. Third-party cover addresses eligible legal liabilities for injury, death or property damage caused to others. Optional add-ons may extend protection for specific expenses or situations.
Protection against insured vehicle damage and third-party liabilities
A comprehensive policy offers broader protection than third-party-only insurance because it can cover damage to the insured car as well as third-party liabilities. Before purchasing, compare the insured declared value (IDV), deductibles, premium, claim conditions and available add-ons. Cashless repair depends on eligible repairs and applicable network garage arrangements. Read the current policy wording and schedule to understand limits, exclusions and conditions.
ICICI Lombard
Key Insights
Founded
2001
ICICI Lombard was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.9% CSR, calculated as a 3-year average
ICICI Lombard settles 97.9% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 2666
Headquarters: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025, India
Covers eligible damage to the insured car caused by an accident, subject to policy terms.
Deductibles and claim conditions apply.
Provides cover for eligible losses due to theft or fire as specified in the policy.
Claim documentation and policy conditions apply.
May cover insured damage arising from specified events such as floods, storms, earthquakes, riots or vandalism.
Refer to the policy wording for covered events and exceptions.
Covers eligible legal liability arising from injury, death or property damage caused to a third party by the insured vehicle.
Subject to statutory requirements and policy terms.
Eligible claim-free policy periods may earn a No Claim Bonus discount on the own-damage premium at renewal.
A claim can affect eligibility; applicable NCB rules govern.
May reduce depreciation deductions on eligible replaced parts during an admissible own-damage claim.
Optional cover; limits and eligibility apply.
May cover specified engine-related consequential losses, such as eligible damage due to water ingress or lubricating oil leakage.
Optional cover; exclusions and conditions apply.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ICICI Lombard plans and claim process
It can cover insured damage to your own car and eligible third-party liabilities. Actual cover depends on the issued policy and its terms.
The policy can cover eligible theft losses and damage from specified natural calamities, including floods, subject to policy conditions and exclusions.
The premium depends on factors such as the car make and model, age, location, IDV, claim history and selected add-ons. Obtain a current quote for your vehicle.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ICICI Lombard website before purchasing.
Official Website
icicilombard.com
Visit the official ICICI Lombard website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
May provide specified assistance during eligible breakdown or roadside emergencies.
Optional cover; service scope and limits apply.
Zero Depreciation Cover is listed as an available add-on. Confirm eligibility, limits and current terms when obtaining a quote.
Common exclusions include normal wear and tear, certain mechanical or electrical breakdowns, and claims involving specified licence or intoxication violations. The full policy wording governs.