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
Comprehensive bike
Two-wheeler cover without the price-shock.
Own damage + third-party for bikes and scooters, with optional zero-dep, roadside assistance and consumables cover. Cashless at the garage you already trust.
₹842/yr
Premium starts at
4,800+
Cashless garages
90 sec
To renew / switch
Top picks
Top comprehensive bike plans.
Three standouts for a 2022 Honda Unicorn · IDV ₹82K · Bengaluru.
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.
Are aftermarket parts covered?
Only if declared at purchase + an additional premium loaded for the upgrade value. Undeclared aftermarket parts (custom exhausts, performance tyres) are voided at claim time.
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.
Sub-products
Other shapes of motor cover.
Bike cover is its own shape — but here are the siblings if you also drive a car, EV or commercial vehicle.
Most bought
Comprehensive car
Own damage + third-party, with zero-dep + engine protect.
Cars under 5 years old
from ₹2,094/yr
You’re here
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