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Private Car Package Policy

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 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.Read More

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.Read Less

FEATURES

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Cashless repairs in 4300+ network garages**

Coverage for theft, accidents and terrorist activities

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Instant claim settlement via InstaSpect#

Your policy issued with zero paperwork if bought online

PLAN OPTIONS/VARIANTS

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    Private car package policy

    • Coverage for natural disasters like earthquakes, floods, fires and storms

    • Cashless repairs in 4300+ network garages**

    • Coverage for theft, accidents and terrorist activities

    • No claim bonus## up to 50%

    • ₹15 lakh Personal Accident Cover, if opted by insured

    • 8 Add-ons* to choose from

    • Third-party legal liabilities cover

    • Third party’s death or injury

    • Instant claim settlement via InstaSpect#

    Stand-alone own-damage car insurance

    • Coverage for natural disasters like earthquakes, floods, fires and storms

    • Cashless repairs in 4300+ network garages**

    • Coverage for theft, accidents and terrorist activities

    • No claim bonus## up to 50%

    • 8 Add-ons* to choose from

    • Instant claim settlement via InstaSpect#

    Third party car insurance

    • Third party’s death or injury

    • Third-party legal liabilities cover

    • ₹15 lakh Personal Accident Cover, if opted by insured

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    Add-ons*

    • Roadside assistance cover: In case of a breakdown/accident with – towing to garage, battery jumpstart, minor repairs, on-call support and taxi benefits etc.

    • Engine protect plus cover: Pays for repair or replacement of a damaged engine. A handy add-on for those who stay in a region prone to flooding during the rains, or if you own a high-end car.

    • Consumables protect cover: Pays for repair or replacement of nut and bolt, screw, washer, grease, lubricant, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, break oil and related parts.

    • Zero depreciation cover: As your car ages, the value of its parts decreases or depreciates. Zero Dep. cover compensates you for the claim amount that gets deducted because of depreciation.

    • Garage cash cover: Gives a daily allowance for alternate travel while your car is repaired at the garage. You can use this money to pay for cab or auto fare.

    • Loss of personal belongings cover: Covers personal belongings, such as your camera, Bag, Sun glasses and clothes in your car. It has you covered, in case these belongings go missing from your car or get damaged in an accident.

    • Key Protect: In case of damage or loss of car keys due to theft or burglary, the cost of repairing/replacing the car keys is compensated.

    • Return to Invoice: Pays the Insured the difference between the Insured’s Declared Value (IDV) of the insured vehicle and the total actual expenses incurred towards acquisition of a new vehicle of similar make and model to the insured, upon the occurrence of Total Loss / Constructive Total Loss as defined in the Policy

EXCLUSION

Exclusion

  • Car wear & tear and ageing
  • Damages while driving under the influence of drugs or liquor
  • Any consequential loss
  • Mechanical or electrical breakdown
  • Damages while driving without a valid license
  • Loss/damage due to war, mutiny or nuclear risk

Claims

  • Click on Know More for Claims

Know more

Bajaj Allianz life Smart Protect Goal

Disclaimer

* Add on covers are available by paying additional premium.
** Count of garages as on 28th December 2020
# The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions or wherever deemed necessary.
## No Claim Bonus will only allowed if the policy is renewed within 90 days of the expiry date of the previous policy and there is no paid/pending claims on the previous policy .I t is applicable for own damage section of the policy.Read More

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the policy wording carefully before concluding a sale.ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. Private Car package policy. Motor 01.UIN:IRDAN115RP0017V01200102. Stand-Alone Own Damage Private Car insurance Policy . Motor 01. UIN: IRDAN115RP0001V01201920. Private car liability policy. Motor 01. UIN : IRDAN115RP0012V01200102.Read Less

FREQUENTLY ASKED QUESTIONS

1. Why do I need to insure my car?

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.

2. What are the benefits of buying motor insurance online?

When you buy motor 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.

3. What are the various types of vehicles that I can insure online?

You can insure a private car and two-wheeler online.

4. How quickly can I buy/ renew car insurance 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 policy.

5. Are offline and online car insurance policies the same?

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.

6. Where can I check my car insurance policy details?

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 

7. What is an endorsement?

An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.

8. Do I need a valid PUC to drive in India?

Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

9. Do I need to have a valid insurance policy to get my new vehicle registered?

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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