Prices starting @ ₹2,094/year
What is Car Insurance?
Car Insurance offers financial protection against theft, accidents, fire, natural/ man-made disasters, or third-party liabilities for your vehicle. In exchange of an annual premium, a package policy saves you from paying hefty repair or replacement costs in case of accidents or third-party claims.
Types of Car Insurance
Stand-Alone Own Damage Private Car Insurance
Covers repairs damage to your own car due to accidents, theft, natural calamities, or man-made events. It is an optional coverage that can be purchased in addition to the mandatory third-party liability insurance for a full coverage.
Third-Party Insurance
Covers death of or bodily injury to any person and damage to third-party property caused by your vehicle. It is mandatory by law.
Comprehensive Insurance
Combines the mandatory third-party liability cover, the Own Damage (OD) cover, and the personal accident cover.
Why Comprehensive Car Insurance Matters?
Third-Party Liability
Meets legal requirements as per the Motor Vehicles Act 1988
Own Damage & Theft Cover
Protects your car from accidents, fire, flood, malicious act, and theft.
Lower Out-of-Pocket Costs
Major repair expenses are covered by the policy.
Customisable Add-ons
Add optional covers like Zero Depreciation, Engine Protect Plus, Road Side Assistance and more for enhanced safety.
Benefits/Features of ICICI Lombard Two-Wheeler Insurance
No-Claim Bonus* (NCB)
Get up to 50% discount on premium for every claim-free year.
Cashless Network
Access our network of 6,800+ nationwide garages for worry-free repairs.
Custom Add-ons*
Enhance your coverage with add-ons like Engine Protect Plus & Road Side Assistance.
Instant Claim Settlement*
Enjoy quick payouts via InstaSpect digital process.
24x7 Support
Prompt Customer Service for fast resolution through the IL Take Care App.
Personal Accident Cover for Owner-Driver
Pay compensation up to Rs. 15 lakhs for bodily injury/ death sustained by the owner-driver of the vehicle due to an accident. This cover is mandatory for a period of one year.
For more information Download Policy wording.
Why comprehensive Two-Wheeler Insurance matters?
Zero Depreciation
No amount will be deducted for depreciation in case of parts replaced on account of damage to the vehicle insured and/ or its accessories.
Road Side Assistance
Covers emergency assistance services like Towing on breakdowns/ accidents, Flat Tyre, Battery jump start, Minor Repairs and many more
Consumables Items
Covers expenses incurred on the Consumable Items in the event of damage to the vehicle insured and/ or its accessories. Such Consumable Items will include, nut and bolt, screw, washers, engine oil and the like.
Engine Protection Plus
Covers expenses incurred in repair or replacement due to consequential damages arising out of water ingression/ leakage of lubricating oil leading to loss or damage to Engine Parts, Differential Parts or Gear Box parts
Garage Cash
Pay a daily allowance while your car is being repaired in the garage. Pay the lump-sum amount in the event of Total loss/ Cash Loss/ Constructive Total Loss of the Insured’s vehicle
Loss of Personal Belongings
Covers loss of personal belongings on account of damage to or theft from the Insured vehicle.
- Accidents
Damage due to accidental external means - Theft
Coverage for theft of the vehicle. - Third-Party losses
Covers death of or bodily injury to any person and damage to third-party property caused by your vehicle. - Calamities
Protects against natural disasters like floods, earthquake, cyclones and man-made events like riots or malicious act. - Personal Accident Cover for Owner-Driver
Pay compensation up to Rs. 15 lakhs for bodily injury/ death sustained by the owner-driver of the vehicle due to an accident. This cover is mandatory for a period of one year.
- Wear & Tear
Wear and tear, and depreciation of the vehicle - Pre-existing Damage
Any damage that existed before the policy start date. - Illegal Driving
Damage caused while driving under the influence of alcohol or drugs. - Breakdowns
Expenses to repair mechanical or electrical breakdown, failures or breakages. - No Valid Documents
Driving without a valid driving license, Registration Certificate (RC), etc.
Why Do You Need Car Insurance?
Things to Consider Before Buying Car Insurance
Claim Settlement Ratio
Choose insurers with a high claim settlement ratio, as it indicates reliability and trustworthiness.
Customer Support
24x7 quick, responsive service matters, especially during emergencies.
Network Garages
More cashless garages = faster, hassle-free repairs and claims.
Balanced IDV
Don’t understate your car’s value. Right IDV will serve you good at the time of claim.
Things to Consider Before Buying Car Insurance
Report the Incident on Time
Inform ICICI Lombard right after the incident, as delays can void your claim.
Hold a Valid License
No license = automatic claim rejection, no exceptions.
Use Authorised Garages
Stick to insurer-approved service centres for quick repairs.
Disclose all Vehicle Modifications
Always declare any upgrades or changes to your vehicle.
Know Policy Exclusions
Understand what’s not covered to avoid invalid Car Insurance claims.
Discover Our Range of Research Recommendations
Policy/Cover Note Number
Vehicle Registration or Chassis Number
Incident Details (Was it damage or theft?)
Go to Claims > File a Claim with InstaSpect
Share the incident time, date, and location
We’ll start a live video survey—ensure good lighting and strong internet
Follow the app’s instructions to capture vehicle angles
Upload the required documents and e-claim form
RC Copy
Driving License
FIR (for theft)
Repair Estimate
Understanding Insured Declared Value (IDV)
The Insured’s declared value (IDV) is the maximum amount your insurer will pay you in the event of total loss or theft of your car. The value is based on the manufacturer’s listed selling price and is arrived at by deducting the depreciation of the vehicle.
How it’s Calculated:
IDV = Manufacturer’s listed selling price – Depreciation
( + Accessories Cost of Accessories – Depreciation on accessories, if applicable)
Right IDV will serve you good at the time of claim
What Affects IDV in Car Insurance?
The information mentioned herein above is only for consumption by the client and such material should not be redistributed.
ICICI Securities Ltd. ( I-Sec). Registered office - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd, HDFC ERGO General Insurance Company Limited, ManipalCigna Health Insurance Company Ltd, Aditya Birla Health Insurance Co. Limited, Tata AIG General Insurance Company Limited & Go Digit General Insurance Limited. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer.
ICICI Securities Ltd Having registered address at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India. ICICI Securities Ltd (I-Sec) is a Corporate Agent (CA0113) of ICICI Lombard General Insurance Company Limited (“ICICI Lombard”). Insurance is underwritten by ICICI Lombard. ICICI Securities Ltd customer participation in the policy is entirely voluntary. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure / policy wordings carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, P. Balu Marg, Off Veer Savarkar Road, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400025. Toll Free: 1800 2666 Fax No: 022 61961323 IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 Customer Support Email Id: customersupport@icicilombard.com Website Address: www.icicilombard.com. Product Name: Elevate UIN: ICIHLIP25048V042425
a. Disclaimer for Infinite Care Add-on: “Infinite care add-on can be opted only during first 2 policy years for domestic coverage only”.
b. Disclaimer for Power Booster Add-on: “Power Booster (Super Loyalty Bonus Add on) cannot be opted with unlimited sum insured option. Bonus can be utilised only after annual sum insured is exhausted”.
c. Disclaimer for Reset Benefit for Elevate: “Reset Benefit will not trigger for the first claim made during the Policy Year and reset benefit amount cannot be carried forward to subsequent years. Applicable for domestic coverages only”.
d. Disclaimer for Tele Consultation(s): “The Medical Practitioner may suggest/recommend/prescribe over the counter medications based on the information provided, if required on a case to case basis. However, the services under this Benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional”.
e. Disclaimer for Credit Score for Elevate: “Maximum up to 15% discount based on credit score”.
f. Disclaimer for Domestic Air Ambulance Cover: “Available where Domestic Road Ambulance services are not available. Certificate of Medical Practitioner, stating transportation is for medically necessary treatment, is required”.
g. Disclaimer for Claim Protector for Elevate: “For domestic coverage only. Any Sum Insured accrued under loyalty Bonus / Inflation Protector / Reset benefit will not be available for this cover”.
h. Disclaimer for Befit for Elevate: “BeFit add-on can only be opted by Insured Person(s) up to the age of 65 years during first time issuance”.
i. Disclaimer for Inflation Protector for Elevate: “The Annual Sum Insured will be increased on cumulative basis at each Renewal on the basis of inflation rate in previous year. Inflation rate would be computed as the average Consumer Price Index of the entire calendar year published by the Central Statistical Organization (CSO). The % increase will be applicable only on Annual (base) Sum Insured under the Policy and not on Loyalty Bonus or any other Covers which leads to increase in Sum Insured”.
j. Disclaimer for Health Assistance for Elevate: “These services are a part of wellness program”.
k. Disclaimer for Room Modifier for Elevate: “Downgrade to 1% of Annual Sum Insured for normal room and 2% of Annual Sum Insured for ICU per day is only available for SI options, Rs. 5 L and 7.5 L. Room upgrade option is not available for Rs. 5 and 7.5L SI”.
l. Disclaimer for Option to Reduce Maternity Waiting Period: “Once chosen, this optional cover will have to be opted for a period of 2 continuous policy years”.
m. Disclaimer for OPD Claims Elevate: “The feature is only available if Befit cover is opted and additional premium is paid”.
n. Disclaimer for Worldwide Cover: “Negatively listed countries and countries exhibiting negative geographies are excluded from the scope of coverage under Worldwide Cover. Negatively listed countries and countries exhibiting negative geographies means those countries / territories / geographies which are placed in the Grey and Black List by the FATF (Financial Action Task Force). For updated list please visit: https://www.fatf-gafi.org/en/countries/black-and-grey-lists.html. This add-on can be availed by customers up to the age of 65 years residing in India and are within the geographical boundaries of India during Policy issuance. We will cover only the Insured Person for Hospitalization expenses including planned Hospitalization incurred outside India and anywhere across the world including USA and Canada, up to the Sum Insured subject to a maximum of Rs. 3 Cr, subject to the terms & conditions specified in the policy documents. Worldwide cover is available only on cashless basis”.
o. Disclaimer for AI Elevate: “Additional Coverages will be recommended basis the information provided”.
p. Disclaimer for Discounts on Services/Products: “These services are a part of wellness program”.
Disclosure: Insurance Products are regulated by Insurance Regulatory and Development Authority of India. ICICI Securities Limited (I-Sec) is a IRDA registered Corporate Agent with Reg. no.: CA0113.
I-Sec is just acting as distributor and all disputes with respect to such distribution activity, would not have access to SCORES/ODR, Exchange investor redressal forum or Arbitration mechanism.
*Please note Brokerage would not exceed the SEBI prescribed limit.