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ICICI Lombard Third Party Car Insurance vs Comprehensive Car Insurance Policy
| Features | Third Party Car Insurance | Comprehensive Car Insurance |
|---|---|---|
| Coverage | Covers third-party liabilities (bodily injury, death, and property damage). | Covers third-party liabilities and damages to your own Car (accidents, theft, natural disasters, fire, etc.). |
| Own Damage Protection | Not included. | Included. |
| Personal Accident Cover | Covers injury or death of the policyholder in an accident. | Covers injury or death of the policyholder in an accident. |
| Premium Cost | Lower premium compared to comprehensive insurance. | Higher premium due to broader coverage. |
| Optional Add-ons | Not available. | Various add-ons are available (e.g., zero depreciation, roadside assistance, etc.). |
| Legal Requirements | Mandatory by law in India. | Optional but highly recommended for complete protection. |
| Protection Against Thefts | Not included. | Included. |
| Natural Disaster Coverage | Not included. | Included. |
Key Benefits of ICICI Lombard Third-Party Car Insurance
Here are the main benefits of getting third-party car insurance from ICICI Lombard:
- 01
Third Party Damage Cover
This insurance pays for injuries or damage to other people and their property, and it helps you avoid unexpected costs.
- 02
Affordable and Standard Pricing
The cost of third-party car insurance is cheaper than comprehensive insurance, and the prices are fixed by the Insurance Regulatory and Development Authority of India (IRDAI), so it is consistent.
- 03
Protection Against Traffic Fines
Having third-party car insurance means you won’t get traffic fines for not having insurance, as it's required by law.
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What's Covered and What's Not Covered in ICICI Lombard Third-Party Car Insurance
The New India Assurance car insurance policy clearly lists its inclusions and exclusions to help policyholders understand the protection they receive. Here are the inclusions and exclusions of the New India Car Insurance plan:
What it Covers
Property Damage
If your car damages someone else’s property in an accident, they can get up to INR 1 lakh to fix the damage.
Injury or Death
If your car causes an accident that injures or kills someone, you might have to pay for their medical expenses or other costs. The court decides how much you need to pay, and there’s no upper limit set by the insurance.
What Does it not Cover
Damage to Your Own Car
This insurance does not pay for any damage to your own car.
Driving Under the Influence
If you have an accident while driving under the influence of drugs or alcohol, this insurance won’t cover the costs.
Theft
This insurance does not cover the theft of any car, whether it’s yours or someone else’s.
Learning to Drive
If you’re learning to drive without a proper license, or if you only have a learner’s license and no experienced driver with you, this insurance might not apply.
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