Car Insurance

J.D. Power Asia Pacific 2009 declares ICICI LOMBARD Auto insurance plan as provider of highest satisfaction level among customers. J. D. Power survey is best judge in this field in world. So, why settle for anything lesser?
ICICI Lombard ranks highest with a score of 775 on a 1,000-point scale, performing particularly well in three factors: product/policy purchase experience; product/policy offerings; and premium/price for coverage offered. The Oriental Insurance follows closely in the rankings with 772.
“Customer satisfaction with ICICI Lombard is largely driven by a seamless customer experience of procuring a policy,” said Mohit Arora, senior director at J.D. Power Asia Pacific, Singapore. “Compared with the industry average, a higher proportion of ICICI Lombard customers report having satisfying experiences with the provider’s variety of contact options, the ease of purchase or renewing a policy, and the speed with which a policy was issued.”

About Policy
This is a comprehensive package policy for your four-wheelers, securing them against damage caused by natural and man-made calamities.
  • It covers you against acts of terrorism.
  • Avail of personal accident and third party liability cover in the same policy

Benefits :
Avail of Own Damage, Personal Accident and Liability cover all in one policy.

  • Access to over 2700 network garages across the country for cashless claims across India.
  • Transfer your full benefits of No Claim Bonus when you shift your motor insurance policy from any another company to ICICI Lombard.
  • Avail of No Claim Bonus (NCB) on renewals if no claim is made during the previous policy period.
  • Towing charges up to Rs. 1,500 can be claimed in case of accidental damage or loss to your vehicle (as per the policy).
  • If you are a member of a recognized Automobile Association in India you can avail an additional discount of 5% on the Own Damage Premium subject to a maximum of Rs. 200.
  • In case you have installed an ARAI (The Automotive Research Association of India) approved anti theft device in your vehicle, you get a discount of 2.5 % on the Own Damage Premium to a maximum of Rs. 500.
  • You can also opt for personal accident cover of up to Rs. 2 lakh for other passengers in your car.
  • Customize your insurance with additional covers for electrical and/ or non-electrical items, such as fog lights, music system and seat covers.


  • Loss or damage to your vehicle
    The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities.

    Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

    Man-made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

  • Personal accident cover
    The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owner/ driver of the vehicle insured while travelling in, mounting or dismounting from the car. You can also opt for a personal accident cover for passengers.
  • Third party legal liability
    This protects you against legal liability arising due to accidental damages resulting in
    - Any permanent injury/ death of a person
    - Any damage caused to the property

  • Sum Insured
    The vehicles are insured at a fixed value called the Insured’s Declared Value (IDV). IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
    If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer’s listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.

    Under this policy, you are not covered against:

    • Normal wear and tear and general ageing of the vehicle
    • Depreciation or any consequential loss
    • Mechanical/ electrical breakdown
    • Wear and tear of consumables like tyres and tubes
    • Vehicles including cars being used otherwise than in accordance with limitations as to use
    • Damage to/ by a person driving any vehicles or cars without a valid license
    • Damage to/ by a person driving the vehicle under the influence of drugs or liquor
    • Loss/ damage due to war, mutiny or nuclear risk

    Contact Us for more details & comparison from Oriental Insurance & Reliance Insurance product.

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