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 car
Full cover for the car you actually drive.
Own damage + third-party + zero-dep + engine protect in one package. Designed for cars under 5 years old where the repair bill can outrun the car itself.
0% dep
On 2 claims/yr
IDV
Full market value
4,800+
Cashless garages
Top picks
Top comprehensive car plans.
Three standouts for a 2022 Honda City · IDV ₹8.1L · 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.
What does comprehensive cover that third-party doesn't?
Damage to YOUR own car — accident, theft, fire, flood, vandalism, natural calamities. Third-party only pays for damage to others, not yourself. Comprehensive is mandatory if you have a car loan.
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.
If your car is older, or you drive a bike or commercial vehicle, these shapes may fit better.
You’re here
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
Get a proper car cover.
90 seconds of questions, 14 insurers, NCB transferred automatically. No spam calls.
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