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Benefits of ICICI Lombard Comprehensive Car Insurance
Here are the main benefits of getting third-party car insurance from ICICI Lombard:
- 01
Very Reliable
ICICI Lombard has more than 4 crore satisfied customers and settles 93.4% of motor insurance claims.
- 02
Cashless Garages
You can get your car repaired without paying any advance at more than 12,000 cashless garages. This saves a lot of time and makes the repair hassle-free.
- 03
IL Take Care App
This app is where you can find all your insurance details and activities. You can file claims quickly from this app.
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What is Covered and What is Not Covered in ICICI Lombard Comprehensive Car Insurance?
This insurance combines coverage for your car and for damages to other people's property. Here is a simple breakdown:
What it Covers
Damage from accidents.
Damage from natural disasters.
Damage from fire.
Theft of your car.
Damage from vandalism.
Damage while your car is being transported.
Legal costs if your car causes injury, death, or damage to someone else’s property.
Damage to car parts is covered by extra options in your policy, like engine protection.
What Does it not Cover
Normal decrease in your car's value over time.
Breakdowns from normal use, like mechanical or electrical problems.
Regular wear and tear.
Damage if you drive under the influence of drugs or alcohol.
Damage if someone without a license were driving your car.
Costs like towing your car.
What Affects Your Comprehensive Car Insurance Premium
Here are some things that can change how much you pay for car insurance:Age of Your Car
The newer your car, the higher your insurance cost. Older cars usually cost less to insure because they might cost less to repair.
No Claim Bonus (NCB)
If you haven't made any insurance claims, you could get a discount on your premium. The longer you go without making a claim, the bigger the discount.
Add-ons
Extra options like zero-depreciation and roadside assistance add more benefits but also make your premium go up.
Type of Car
The brand, model, and type of your car affect your insurance cost. Sports and luxury cars usually cost more to insure than smaller cars like sedans or hatchbacks.
Car's Value (IDV)
It is the current value of your car at the time of renewing your insurance. It is directly proportional to how much your car is worth in the market, how much it has depreciated, and the general condition of the car. The higher the IDV, the higher the premium.
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