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
EV insurance
Cover built for your battery too.
EV-specific plans add battery + charger cover, towing (EVs can’t be flat-towed), and electrical drivetrain protection. Plus regular comprehensive own-damage + third-party.
Battery
Covered separately
Charger
Home wallbox
Flat-tow
Incident cover
Top picks
Top EV plans.
Three standouts for a 2024 Tata Nexon EV · IDV ₹12.4L · 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.
Is the battery covered?
Battery is the EV's most expensive component (40-50% of cost) and standard motor wording excludes it. Look for "EV battery cover" or "battery protector" rider — typically adds ₹800-2,500/yr but pays for itself in one battery replacement.
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 you have both ICE and EV vehicles, the shapes stack — we tag the right cover on each policy.
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
You’re here
EV insurance
Battery + charger cover, extra for towing incidents.
Electric car + bike owners
from ₹2,380/yr
Insure the whole car — battery included.
90 seconds, 7 insurers, EV-specific add-ons compared. No spam calls.
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