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	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. Know more about the benefits of NCB.
	You can also buy or renew your policy online in case of gap-in-insurance.
	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.

Our Motor insurance Policy is governed by the Indian Motor Tariff. It covers you for:

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. 1 lakh for individual owner/ driver of the vehicle insured while traveling 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.

For more details, kindly refer to the Policy Wordings

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.

In case of a claim, avail cashless facility at the All India Cashless Garage

Download Claim Form

Check Motor Claim Status

Tab content 4 here
Tab content 4 here

Policy Exclusions

Exclusions valid for the first 30 Days
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments: Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:

Cataract

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fistula in Anus, Piles

Arthritis, Gout, Rheumatism

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage

Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal ulcers

If the Policy is renewed with us for two consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards.

Frequently Asked Questions (FAQs)

I already have a health insurance from my employer. Do I still need Family Floater?

Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield. Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy. Also, Family Floater provides a cover for all the insured family members under a single policy.

Do I get multiple health cards for every individual covered?

Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.

How do I select the appropriate cover amount?

Consider the following factors Frequently Asked Questions (FAQs)

Your age: Age is a critical factor for determining the cover since health risk increases with age.

Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.

Financial status: Consider your financial status and lifestyle before selecting the coverage amount.

Does a higher cover guarantee better protection?

A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

On purchase of the policy, we would inform you on the medical check-up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.

How can I obtain a hard copy of my policy?

You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.

Apply now for Insurance

SMS 'INSLOM' to 5676766

*Insurance is the subject matter of solicitation.

FAQs

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