ICICI Lombard
Motor Private Car
₹13,100/yr · IDV ₹8.1L
- Claim ratio
- 95.6%
- IDV
- ₹8.1L
- Max NCB
- 20%
- Zero-depreciation (2 claims/yr)
- Engine + hydrostatic lock
- 24×7 roadside assistance
Motor insurance
Cover for when life happens on the road.
Renew or switch in 90 seconds. Save up to ₹3,200/yr vs your current insurer. Cashless at 4,800+ network garages. We compare IDV, NCB, zero-dep and add-ons so you get the right cover — not the cheapest one.
4,800+
Network garages
95%
Claims paid first-pass
90 sec
To renew or switch
Sub-products
Pick the right shape of motor cover.
Motor insurance isn't one product. Here are the five shapes we compare — each built for a different kind of driver.
Most bought
Comprehensive car
Own damage + third-party, with zero-dep + engine protect.
Cars under 5 years old
from ₹2,094/yr
Comprehensive bike
Own damage + third-party cover for two-wheelers.
Most two-wheeler owners
from ₹842/yr
Third-party only
Legally mandated cover for other vehicles + people.
Older vehicles · budget option
from ₹2,094/yr
Commercial vehicle
Taxi, truck, delivery van — goods + passenger cover.
Business + fleet owners
from ₹6,840/yr
EV insurance
Battery + charger cover, extra for towing incidents.
Electric car + bike owners
from ₹2,380/yr
Top picks
Featured comprehensive plans.
Three standouts for a 2022 Honda City · IDV ₹8.1L · Bengaluru. Prices recomputed live at quote.
Best value
HDFC ERGO
Motor Secure
₹14,800/yr · IDV ₹8.3L
- Claim ratio
- 93.1%
- IDV
- ₹8.3L
- Max NCB
- 25%
- Return to invoice
- Consumables cover
- Key replacement included
Bajaj Allianz
Drive Assure Plus
₹15,640/yr · IDV ₹8.4L
- Claim ratio
- 94.2%
- IDV
- ₹8.4L
- Max NCB
- 30%
- Pay-as-you-drive discount
- NCB protection
- Tyre + rim damage
Common questions.
What is IDV and why does it matter?
Insured Declared Value is the current market value of your vehicle — the max we pay out on total loss/theft. A higher IDV = slightly higher premium, but much larger cheque if things go wrong.
Zero-depreciation — is it worth it?
For cars < 5 years old, yes. Insurers normally deduct 30–50% depreciation on parts at claim time; zero-dep waives that. Pays for itself in one medium-sized claim.
Can I transfer my NCB to a new car?
Yes. No-claim bonus is tied to you, not the car — carry it on portability or when you switch insurers. Just ask for the NCB certificate.
What does third-party-only cover?
Legal liability only — damage to another vehicle, person or property. Nothing for your own car. Cheaper but insufficient if your vehicle is worth protecting.
Ready to renew or switch?
90 seconds of questions, 14 insurers, NCB transferred automatically. No spam calls.
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