ICICI LOMBARD Motor Insurance
Features and benefits of ICICI Lombard motor insurance
- 12000+ network garages
- IL Take Care app
- Unique add-ons
- Customised covers
- No claim bonus transfer
- Reliable customer support
Inclusions
-
Loss or damage due to natural disasters
Any damage to your vehicle due to natural disasters such as earthquakes, floods, cyclones and storms, rockslides and landslides, hailstorms, frosts etc. will be covered by us. -
Personal accident cover
A Personal Accident (PA) cover of ₹15 lakh will be available for the registered owner- driver of the insured vehicle and an optional PA cover of ₹2 lakh will be available for co- passengers at extra premium. -
Loss or damage against man-made disasters
Losses or damages to your insured vehicle caused due to man-made disasters including theft, fire, riot, strike, road accident, terrorist activity, and any damage caused during transit by road, rail, inland waterway, lift, elevator or air will be covered by us. -
Third-party legal liability
We provide protection against legal liabilities arising due to an accident involving your vehicle, resulting in bodily injuries, death, or property damage to a third party.
Exclusions
- Damage due to wear and tear and ageing of vehicle
- Loss due to depreciation of the vehicle
- Damage or loss while driving/riding without valid license
- Damage or loss while driving/riding under the influence of liquor or drugs
- Damages caused when a vehicle is being used for a purpose it’s not meant for
- Mechanical/electrical breakdown
- Loss/damage due to war, mutiny or nuclear risk
Why you need this Plan ?
Why should you buy motor vehicle insurance?
1
Adherence to law
It is mandatory by law to avail third-party insurance for all vehicles before they are allowed on road.
It is mandatory by law to avail third-party insurance for all vehicles before they are allowed on road.
2
Escape traffic fines
As per the Motor Vehicles (Amended) Act of 2019, if you're caught driving an uninsured vehicle, you may have to pay a penalty of up to ₹2000 for the first instance and from second instance it may go up to ₹4000.
As per the Motor Vehicles (Amended) Act of 2019, if you're caught driving an uninsured vehicle, you may have to pay a penalty of up to ₹2000 for the first instance and from second instance it may go up to ₹4000.
3
Coverage against loss or damage
A motor package policy takes care of your expenses in case of any loss or damage to your vehicle arising due to theft, road accident or other natural and man-made disasters.
A motor package policy takes care of your expenses in case of any loss or damage to your vehicle arising due to theft, road accident or other natural and man-made disasters.
4
Personal accident cover
You will get a personal accident cover of ₹15 lakhs for yourself and an optional cover of ₹2 lakhs for the co-passengers travelling with you. This coverage is available at nominal additional premium.
You will get a personal accident cover of ₹15 lakhs for yourself and an optional cover of ₹2 lakhs for the co-passengers travelling with you. This coverage is available at nominal additional premium.