ICICI LOMBARD CAR INSURANCE ADDONS

Buy these addon covers along with your ICICI Lombard car insurance to get enhanced insurance coverage for your car.

Engine Protector Cover

This add-on covers any damage caused by lubricating oil leaks, water entering the engine, and other factors that might harm the engine. If you live in a flood-prone area, this addon cover is a must-have for your car. There are certain exclusions under this cover. Read policy documents or get in touch with an expert at Quickinsure to know more about coverages and benefits of the Engine Protector Cover offered by ICICI Lombard.

Zero Depreciation Cover

This add-on cover is also known as ‘bumper to bumper’ or ‘nil depreciation cover. Your car is subject to depreciation, which means, that over the years, your car’s value keeps decreasing. With this add-on cover, in case of a claim on your vehicle, you will receive full value for your car and all of its spare parts; depreciation will be covered by the insurer. This cover is a must-have if your car is less than 5 years old.

Return to Invoice Cover

In cases of a total loss, constructive total loss, or theft of the car, this cover enables the insured to receive compensation equal to the original value i.e., invoice value of the car. This cover helps the policyholder to bridge the gap between the IDV and invoice value of the car. This cover is highly recommended for new vehicles and premium or top-end models.

Roadside Assistance Cover

If your car happens to break down in the middle of nowhere, your insurer will come to your rescue! With this add-on, emergency assistance services are available to you. These include flat tyre, minor repairs, emergency fuel delivery, battery jumpstart, towing service, accommodation benefits and taxi benefits.

Personal Belongings Cover

This add-on compensates for the loss or damage to the insured's possessions that were in the vehicle at the time of the loss or damage. This add-on covers, items such as clothes and other articles of personal nature likely to be worn by the insured including jewelry, and/or used or carried by him like Mobile, Laptop, or other electronic devices.

Frequently Asked Questions

1. When can I buy ICICI Lombard car insurance add-on coverage and include them in my plan?

You can purchase ICICI Lombardcar insurance add-ons when buying the insurance policy or when renewing it.

2. Is it ok to not file a claim if the harm is minor?

It is preferable not to file a claim for minor repairs. As a result of not filing any claims throughout the policy period, you will receive a No Claim Bonus discount on your next year’s premium.

3. Is it possible to purchase additional coverage with a third-party car insurance policy?

No. Add-on coverage can be purchased with either a standalone own damage policy or a comprehensive insurance policy, but not with a third-party car insurance policy.

4. What is Insured Declared Value?

Insured Declared Value or IDV  is the maximum sum assured fixed by the insured at the beginning of each policy period of the insured vehicle.

5. What factors influence the cost of a car insurance policy?

The cost of bike insurance is determined by the engine's cubic capacity, make and model, geographical zone, age of the car, and the insured declared value.