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Things to keep in mind while buying a car insurance policy
Prices starting at just ₹2,094/yr
This amount refers to the TP rates only
Doorstep Cashless Repairs
₹15 lakh Personal Accident Cover
Drive less? Pay less with PAYD add-on
And, we think you will too.
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A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third-party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.
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Comprehensive car insurance, also known as a private car package policy, is a type of auto insurance that provides complete coverage for your vehicle. It is an optional car insurance policy but is highly recommended for car owners who want the best protection for their four-wheelers.
Comprehensive car insurance covers damage caused by natural disasters, accidents, theft, fire, and other such incidents. It covers damages to both your vehicle and third-party vehicles and property. This car insurance policy also covers third-party liabilities, which will cover any legal costs or compensation you may be liable for in case of an accident caused due to your fault. In addition, some comprehensive policies also offer additional benefits such as roadside assistance, towing service and more. Even though comprehensive insurance policies tend to be more expensive than Third-Party Liability or Standalone Own Damage policies, but they offer broader coverage.
Covers damages to your own car and third-party liabilities
Provides complete protection for your car
May include add-ons like zero depreciation, roadside assistance, etc.
Higher premium as compared to third-party insurance
Can be purchased online or offline
Covers third-party liabilities only
Only covers legal liabilities
Only includes mandatory third-party coverage as per law.
Lower premium as compared to comprehensive insurance
Mandatorily needs to be purchased before registering a car
Comprehensive car insurance is a more comprehensive policy that covers not only third-party liabilities but also damage to your own vehicle. On the other hand, third-party car insurance only covers legal liabilities in case of an accident. Comprehensive car insurance also offers add-ons like zero depreciation and roadside assistance, whereas third-party insurance only includes mandatory coverage as per law..
Comprehensive car insurance has a higher premium as compared to third-party insurance, but it provides complete protection for your car. The choice between the two depends on your budget and the level of coverage you desire. You can easily buy car insurance online or offline, but third-party insurance is mandatory and needs to be purchased before registering a car.
Choose from options like liability, collision, comprehensive, or personal injury protection.
Make sure the cost of your insurance policy matches your vehicle's value.
Your driving habits, such as how often you drive and what type of driving you do, can affect the cost of the insurance if you opt for pay-as-you-drive or pay-how-you-drive policies.
Think about your budget and how much risk you're comfortable with. In case of an accident, if you’re not comfortable spending money from your own pocket for your car repairs, opt for the Own Damage cover instead of a Third-party policy.
Car insurance online costs can differ based on traffic and crime in your area.
Look for discounts you might be eligible for, such as discounts for having multiple policies, being a safe driver, or driving less.
Before buying car insurance online, read the policy details and fine print, and ask questions to clarify anything you need help understanding. Regularly reviewing your car insurance policy can help ensure that it continues to meet your needs and that you're not overpaying for coverage you don't need.
Coverage for natural disasters like earthquakes, floods, fires and storms
Cashless repairs in 5100+ network garages
Coverage for theft, accidents and terrorist activities
No claim bonus up to 50%
₹15 lakh Personal Accident Cover
9 add ons to choose from
Third-party legal liabilities cover
Instant claim settlement via InstaSpect
Third-party liability premium – this is stipulated by the Insurance Regulatory and Development Authority of India (IRDAI), and it is directly proportional to your car’s cubic capacity.
Own damage premium – this is calculated as IDV X [Tariff Rate] – [Discounts] + Add on Covers
Personal accident cover premium + Additional covers
IDV – IDV is the maximum amount you can claim under your policy.
Make and model - Higher-end models are insured at a higher price.
Fuel type - Petrol cars are cheaper to repair compared to diesel or CNG.
Year of manufacture – New cars may cost more to insure.
Location - Urban areas may have higher premiums.
Claim history – No claims can give you a No Claim Bonus.
Add-ons – Additional covers increase the premium.
In India, third-party car insurance is compulsory for all car owners. Moreover, own-damage car insurance covers you in case of accidents, theft and fire. In case of any untoward incident, you don't have to pay out of pocket for repairs or replacement if you have a valid insurance policy.
When you buy car insurance online, you get an instant policy, as there is no documentation or paperwork involved. You also have the advantage of choosing from multiple payment options, e.g., credit card (Visa, Master, AMEX card), net banking, debit card etc.
When you buy car insurance online, you get an instant policy, as there is no documentation or paperwork involved. You also have the advantage of choosing from multiple payment options, e.g., credit card (Visa, Master, AMEX card), net banking, debit card etc.
You can insure a private car and two-wheeler online.
It takes just a few minutes to buy or renew car insurance online. You just have to enter the vehicle details, contact info and insured details, and pick the covers you need. Once you make the payment, you receive an instant car insurance policy.
Yes, they are. In case of online car insurance, once you make payment, we send the policy documents to your email and your registered address.
You can check all your car insurance details in your policy documents. You can also login to our website or IL Take Care app to check the below details:
-- Policy number
-- Policy start and end date
-- Policy type (Comprehensive/OD only/TP only)
-- Engine & chassis number
An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.
Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.
Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.
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Based on 456 reviews
Very good experience. The agent gave me all the information clearly and didn't mind repeating certain points until I understood. I don't fully get technology, but she offered to take care of the whole process of buying the car insurance policy without any hassle. I am truly thankful.
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| Product | Product Code | UIN Code |
|---|---|---|
| Private car package policy | 3001 | IRDAN115RP0017V01200102 |
| Stand-alone own damage private car package policy | 3001/O | IRDAN115RP0001V01201920 |
| Private car liability policy | 3001/A | IRDAN115RP0012V01200102 |
The interaction was good. The customer service associate gave me answers to all my queries. Her presence while making the decision to buy was helpful. I will definitely recommend ICICI Lombard to my friends and family for the way they treat customers.