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ICICI Lombard Car Insurance Add-on Covers

Car Insurance add-ons are extra coverages which you can opt with ICICI Lombard Comprehensive Car Insurance Policy as well as ICICI Lombard Standalone Own-Damage Car Insurance Policy. These add-ons help you extend the coverage mentioned under your insurance plan in return of payment of an additional premium.

ICICI Lombard - 9 Important Add-on Covers For Your Car Insurance Policy

Following are the car insurance add-ons offered by ICICI Lombard General Insurance:

1. Zero Depreciation Cover

When you opt for this add-on, the insurer deducts no amounts for depreciation from your claim amount in case of parts replaced on account of damage to your car for up to two (2) claims. This add-on covers the depreciation charge at 100% for all plastic and metal parts except tyres, tubes and batteries which are covered at 50%.

2. Consumables Cover

Consumables refer to those articles which when put to use either get exhausted or become unfit for continuous consumption. Consumables include items like nuts, bolts, screws, oil filters, engine oil, etc. This add-on insures you against the expenses incurred on replenishment of such consumables.

3. Garage Cash

When you opt for this add-on, the insurer provides you with a cash allowance when your car is at a garage for repairs.

4. NCB Protect

No Claim Bonus is the reward which is extended by the insurer on the own-damage premium of your insurance policy at the time of renewal if you have not made any claim during the entire policy period. However this benefit is lost if you make even a single claim during the policy tenure. This is where the NCB Protect add-on proves to be helpful. It helps you keep your NCB unaffected even after you make a claim during the policy period.

5. Return to Invoice

This add-on helps you cover the gap between the Invoice Price which you had paid at the time of purchase of your car and the Insured Declared Value (IDV) which you are entitled to receive in the event of total loss or theft of your car. When you opt for this add, instead of the IDV you get the Invoice Price of your car as compensation which is a sum of your car’s ex-showroom price, road-tax and first time registration charges.

6. Engine Protect Plus

Unde this add-on, the insurer compensates you for expenses incurred in repair or replacement due to damages arising out of water ingression/leakage of lubricating oil leading to loss or damage to:

• Engine Parts

• Differential Parts

• Gear Box Parts.

7. Roadside Assistance Cover

Under this add-on, the insurer provides the following assistance to you in case your car breaks down in the middle of nowhere:

  • Towing service: if your car gets immobilized or rendered unfit for the purpose of driving on the road, the insurer would provide appropriate towing services to the nearest garage (within a radius of 50 kms from the location of the breakdown/accident). Towing charges for a distance beyond 50 kms is borne by you.
  • Breakdown support over phone: In the event of minor mechanical errors/faults/non-functioning of your car, the insurer would provide you with telephonic assistance to come up with solutions for such minor mechanical errors/faults/non-functioning.
  • Arrangement/ Supply of fuel: In the event your car gets immobilized due to emptying of the fuel tank, the insurer would arrange for supply of up to 5 liters of fuel, at the location of the breakdown. While, all the labor costs and conveyance costs would be borne by the insurer, all expenses on fuel would be borne by you.
  • Emptying of fuel tank: If your car gets filled with a wrong type of fuel, the insurer would arrange for emptying of fuel tank with the help of appropriate technicians and if required, arrange for towing of your car to the nearest garage for the purpose of emptying the fuel tank. All charges towards the towing of the car would be borne by you.

  • Arrangement of keys: In the event you lose the keys of your car, the insurer would arrange for pick up and delivery of the spare keys to you. Under this add-on, the insurer would also provide the service of unlocking your car with the help of vehicle technicians if it gets locked. While, all the labour and conveyance costs would be borne by the Company, you would be required to submit an identity proof to prove your ownership of the car, before availing such service.Also, this service would be provided only within a range of 100 kms from the location where the loss has occurred.
  • Battery jumpstart: If your car runs out of battery, the insurer would arrange for a technician to jumpstart your car. However, any cost of charging/replacement of battery would be borne by you and all labour and conveyance costs, towards battery jump start assistance, would be borne by the insurer.
  • Message Relay: If your car gets immobilized as a result of an accident and/or breakdown, the insurer would arrange to send an urgent message to the specified persons, as requested by you.
  • Flat Tyre: If your car gets immobilized due to a flat tyre, the insurer would assist the you by organizing for a technician to replace the flat tyre with the spare stepney tyre or by arranging to take the flat tyre to the nearest place of repair and delivering the tyre back to the place of breakdown & attaching it to your car.
  • Minor Repairs: If your car gets immobilized due to a minor mechanical/electrical fault, the insurer would assist you by sending a technician to the location of breakdown to carry out the Minor Repairs. Minor repairs refer to the repairs which can be carried out at the location of breakdown/accident, requiring no spares and less than 45 minutes of labour time.
  • Taxi Benefits: If your car gets immobilized due to an accident/ breakdown, the insurer shall provide free travel of the occupants of your car up to a distance of 50 kilometers.
  • Accommodation Benefits: If your car gets immobilized due to an accident/ breakdown, the insurer shall provide occupants of your car with a hotel accommodation for one day, for a maximum of Rs. 5,000.

8. Key Protect Cover

Under this add-on, the insurer reimburses you towards repairing/replacing the car keys and / or locks and/ or lockset, including the locksmith charges, in case of theft/burglary/ loss of or damage to the keys and /or lock and /or the lockset of your car. A maximum of two claims are allowed under this add-on during the policy period.

9. Personal Belongings Cover

Under this add-on cover, the insurer reimburses you for the loss of your personal belongings on account of damage to or theft from your car. A deductible of Rs. 500 would be applicable for each claim under this add-on. Also, a First Investigation Report (FIR) is required to be registered with the Police for such loss.

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Must Read Articles before buying Icici Lombard Car Insurance

Icici Lombard Car Insurance User Reviews

4.9
Rating based on
302 User reviews
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What users are saying
  • All
  • Add On
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  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Simple and Fast Process

    I chose InsuranceDekho to buy my ICICI Lombard car insurance policy, and I’m so glad I did! The process was quick, straightforward, and completely stress-free. I easily compared plans, found the right coverage, and got my policy in minutes. No hidden fees or confusing steps. If you want a simple and hassle-free way to get car insurance, InsuranceDekho is the way to go!

    Read More

    N
    By Nirmala Singh
    On: February 13, 2025
  • Smooth Third-Party Accident Cl...

    Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICICI Lombard, who was my insurer. They handled the whole case from start to end and settled the third-party claim efficiently. I’m thankful for their support during this stressful time and I'm glad that I sought advice from InsuranceDekho while selecting ICICI Lombard as my insurer.

    Read More

    P
    By Padmashree Saini
    On: July 2, 2024
  • Smooth claim process

    My new car was damaged due to a local case of riots and it made me really depressed. Thanks to ICICI Lombard for the extraordinary repair service at one of the cashless garages. My car was repaired and no one can tell that it was damaged a few days ago. Credits to InsuranceDekho for helping to choose a car insurance provider quickly.

    Read More

    S
    By Sunidhi Rawat
    On: July 1, 2024
  • Excellent customer support

    I needed some help with my reimbursement claim process in regard of the documents required. I contacted ICICI Lombard customer care and they helped me out quickly after paying genuine attention to my problem. Have to give credit to InsuranceDekho for helping in make a wise decision while purchasing car insurance.

    Read More

    V
    By Vaishnavi Makhija
    On: June 28, 2024
  • Easy endorsement process

    Since shifting to a different city kept me busy, I almost forgot to endorse my car insurance policy. The moment I reached out to ICICI Lombard customer care for endorsement, I was told that it is a simple process which I had thought will be full of papers and will take a long time. Surprisingly it took a few documents to be submitted online and my policy was endorsed within few days. Im very satisfied with the service and will recommend InsuranceDekho to everyone reading this as they helped me select the insurance provider which met my required needs.

    Read More

    A
    By Arsalan Jamal
    On: June 26, 2024
  • Bumper repair service

    I had a small accident while coming back from work and my bumper was damaged so badly that my car was not in a condition to be driven back home. Thankfully I had ICICI Lombard car insurance which covered my bumper damage and had a roadside assistance cover as well. The support team arrived and my car was towed to a garage my car was delivered the next morning. Insurance really helped me saving cost and credits to InsuranceDekho for suggesting a roadside cover.

    Read More

    G
    By Gurpriya Singh
    On: June 26, 2024
  • Cashless claim

    I purchased ICICI Lombard car insurance and I am satisfied with the cashless claim process. My car was repaired without any delay and I didn't had to pay anything in the process which prevented me from cashing out my investments—credits to InsuranceDekho in helping to compare different quotes efficiently and choosing the best one.

    Read More

    N
    By Nora Javed
    On: June 24, 2024
  • Claim Assistance

    I live outside India and my parents were facing problems while contacting ICICI Lombard customer support during the claim settlement process of my car insurance. Thanks to InsuranceDekho, a relationship manager assisted my parents with the claim process and everything went smoothly then. Thanks to InsuranceDekho!

    Read More

    S
    By Simran Kaur
    On: June 19, 2024
  • In app experience

    IL Take Care app is very efficient and makes the process a whole lot easier. The Instaspect feature enables a super quick survey and gets the approval done in no time. Credit goes to InsuranceDekho for giving me the opportunity to switch my insurer.

    Read More

    S
    By Sameer Masood
    On: June 13, 2024
  • Superb Services

    I have always been loyal to a particular insurer for all my policies but this time I tried InsuranceDekho to purchase car insurance for my brand new Volkswagen. I was thrilled by the comparisons InsuranceDekho provided and helped me get a wider perspective on insurers. I went on with ICICI Lombard car insurance and have been highly satisfied with their services.

    Read More

    N
    By Niyati Sharma
    On: June 11, 2024
  • Loyal brand

    I have been a loyal customer of InsuranceDekho and ICICI Car Insurance since 2017, and they have never disappointed me. Their customer service is exceptional, and I have only had positive experiences with them. I recommend it to everyone!

    Read More

    N
    By Nikhil Gera
    On: June 7, 2024
  • Hassle-free claim settlement

    I purchased ICICI Lombard Comprehensive plan 6 months back through InsuranceDekho and it helped me get my car windshield repaired. It had a crack on it due to unknown reasons. The claim settlement process was very smooth and InsuranceDekho has been a great partner in this journey.

    Read More

    R
    By Rahul Anand
    On: May 30, 2024
  • Efficient Coverage

    I got my Toyota Innova's insurance from ICICI Lombard through InsuranceDekho. The process was easy and very simple, and I felt secure on the road with their comprehensive coverage. The customer support team patiently helped me at every step. I recommend everyone to buy it.

    Read More

    N
    By Neha Singh
    On: May 29, 2024
  • Protection with No Compromises...

    InsuranceDekho's own damage coverage offers comprehensive protection without any compromises for my ICICI Lombard Car Insurance Policy. It covers everything I need without cutting corners for my MG car.

    Read More

    By Prasana Ved
    On: November 29, 2023
  • Minimized Disruptions

    With InsuranceDekho's cashless garages, disruptions to my daily life due to car repairs for my Chevrolet car are minimized. The ICICI Lombard Car Insurance Policy is a huge convenience.

    Read More

    R
    By Rani Yadav
    On: November 22, 2023
  • Financial Security

    Comprehensive coverage is a source of financial security. InsuranceDekho's ICICI Lombard Car Insurance Policy ensures that I won't face a significant financial burden in the event of an accident with my Honda car.

    Read More

    S
    By Sriniwas Jaggi
    On: November 16, 2023
  • Protection Against Unexpected

    Accidents and unforeseen events can happen to anyone. The own damage coverage that I added to my ICICI Lombard Car Insurance Policy for my Hyundai car ensures that I am financially protected when the unexpected occurs.

    Read More

    P
    By Pooja Yadav
    On: November 15, 2023
  • Expert Repair Technicians

    The repair technicians at the cashless garages are experts in their field. They ensured that my Maruti car was back in its pre-accident condition, and I couldn't be more satisfied with their work. Happy to have secured the ICICI Lombard Car Insurance Policy.

    Read More

    M
    By Meera Gowdia
    On: November 9, 2023
  • Trustworthy and Reliable Claim...

    I recently had to file a claim for my Ford car. InsuranceDekho's claims handling for the ICICI Lombard Car Insurance Policy is trustworthy and reliable. They live up to their promises and ensure that you're not left in the lurch after an accident.

    Read More

    P
    By Preeti Nagesh
    On: November 8, 2023
  • Budget-Friendly Comprehensive ...

    I was delighted to discover budget-friendly comprehensive coverage options with the ICICI Lombard Car Insurance Policy on InsuranceDekho. They offer a variety of coverage that caters to different financial situations, making it easy to find the perfect fit for my budget for my Kia car.

    Read More

    By Krishna Prasad
    On: November 7, 2023
  • Peace of Mind While Driving

    When I took the ICICI Lombard Car Insurance Policy, InsuranceDekho's own damage coverage gave me peace of mind while driving. I know that my Maruti car is protected, no matter what.

    Read More

    L
    By Lakshmi Dutta
    On: November 3, 2023
  • Simple and Transparent Terms

    I felt that the terms and conditions of third-party coverage through InsuranceDekho were simple and transparent, ensuring that I understood my legal responsibilities. I am glad that I took the decision to secure my Honda car with the ICICI Lombard Car Insurance Policy .

    Read More

    K
    By Kajal Verma
    On: November 2, 2023
  • Convenient Online Renewal

    I appreciate the convenience of renewing my ICICI Lombard Car Insurance Policy for my MG car online through InsuranceDekho. It's efficient and hassle-free.

    Read More

    G
    By Gargi Banerjee
    On: October 31, 2023
  • Top-Notch Premium Calculator

    The premium calculator option at InsuranceDekho is top-notch. I got detailed calculations and valuable information about the ICICI Lombard Car Insurance Policy that helped me choose the right coverage at the right price for my Hyundai car.

    Read More

    R
    By Ravi Kumar
    On: October 30, 2023
  • Hassle-Free Experience

    Filing the claim for my ICICI Lombard Car Insurance Policy with InsuranceDekho was hassle-free. Everything was taken good care of without any additional documents for my Skoda car.

    Read More

    By Sunila Kapoor
    On: October 26, 2023
  • Complete Satisfaction with Com...

    The comprehensive coverage that I received under the ICICI Lombard Car Insurance Policy for my Mahindra car from InsuranceDekho is very impressive. They ensure you have complete coverage without any complications. Recommend it to everyone.

    Read More

    J
    By Jitender Kalra
    On: October 24, 2023
  • Cost-Efficient Protection for ...

    InsuranceDekho's Own Damage Car Insurance provides cost-efficient protection for your vehicle. The ICICI Lombard Car Insurance Policy is a budget-friendly option that ensures that my Renault car is fully protected.

    Read More

    V
    By Vijay Marwaha
    On: October 23, 2023
  • Dependable Cashless Garages

    While buying the ICICI Lombard Car Insurance Policy I had the best experience. InsuranceDekho's cashless garages have proven to be highly dependable. They offer a sense of security and reliability for my Nissan car during unexpected car troubles.

    Read More

    M
    By Mayank Mathur
    On: October 19, 2023
  • Reliable Claims Partner

    I consider InsuranceDekho a reliable claims partner. They were there for me when I needed them the most. Their prompt response and efficient claim processing for the ICICI Lombard Car Insurance Policy ensured a hassle-free experience for my Honda car.

    Read More

    R
    By Ruchita Kohli
    On: October 18, 2023
  • Peace of Mind on the Road

    Driving my Skoda car with zero-dep insurance from InsuranceDekho gives me peace of mind. I know that I'm fully covered by the ICICI Lombard Car Insurance Policy, regardless of the age of my car.

    Read More

    S
    By Saumya Chatterjee
    On: October 17, 2023
Icici Lombard Reviews

431 Icici Lombard Cashless Garages in India

Icici Lombard Cashless Garages

ICICI Lombard Car Insurance Add-On Cover FAQs

  • Which add-on covers are offered by the ICICI Lombard General Insurance?

    The ICICI Lombard General Insurance provides a range of add-on covers such as Zero Depreciation Cover, Consumables Cover, Garage Cash, NCB Protect, Return to Invoice, Engine Protect Plus, Roadside Assistance Cover, Key Protect Cover and Personal Belongings Cover.

  • Can I add more than one add-on cover in my car insurance plan?

    Yes, you can add more than one add-on cover in your car insurance cover. In fact, you can include any number of add-on covers provided by the insurance company in your insurance plan based on your needs and budget.

  • When can I include an add-on cover in my car insurance plan?

    You can either include the add-on covers in your car insurance policy at the time of insurance policy purchase or at the time of insurance policy renewal.

  • Will I have to pay an additional charge to avail add-on covers?

    Yes, you will have to pay for the premium charges of ICICI Lombard car insurance add-on covers along with your regular premium amount of base insurance cover to avail them.

  • Is it mandatory to add an add-on cover in your car insurance policy?

    No, it is not mandatory to include an add-on cover in your car insurance plan. To opt for an add-on cover in your insurance policy is your choice which could be depend on your budget and requirement.

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