IDFC FIRST Motor Insurance Solutions

Protect your precious two- and four-wheeler vehicle with a comprehensive motor insurance

Motor Insurance Solutions
Instant policy issuance
3300+ cashless network garages
No claim bonus
Roadside assistance

ICICI Lombard Car insurance

  • Loss or Damage to your vehicle against Natural Calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Loss or Damage to your vehicle against Man-made Calamities
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorism activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Personal Accident Cover
    Coverage of Rs 2 lakhs for the individual Owner driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured as a Co-driver.
  • Third Party Legal Liability
    Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Download Car Insurance Brochure
Download Private Car Package Policy Wording
Download Car Insurance Disclaimer


Product Features

  • Immediate policy copy issuance online.
  • Long term policy option available up to 3 years.
  • Cashless servicing facility at 2000+ network garages across India as on 31st March 2016.

Download Two Wheeler Insurance Brochure
Download Two Wheeler Package Policy Wording
Download Two Wheeler Insurance Disclaimer

Fees & Charges Check the fees & charges applicable
for different types of accounts
Contact Us Need to get in touch with us,
check the various modes of connecting with us

Frequently Asked Questions

Which are the services provided by ICICI Lombard under Road Side Assistance (RSA)? *

• Breakdown support over phone
• Minor Repairs
• Flat Tyre 
• Battery jump start
• Arrangement of keys
• Towing on breakdown/accident
• Arrangement of rental vehicle
• Arrangement/ Supply of fuel
• Arrangement of Accommodation
• Message Relay

How many times can I claim for Roadside Assistance service during policy period?

A maximum 4 times related to any of the services opted by the Insured would be allowed under this add-on . The insured would be able to claim only for the services opted for by him at the time of Policy issuance.

How many times can I claim for Roadside Assistance service during policy period?

A maximum 4 times related to any of the services opted by the Insured would be allowed under this add-on . The insured would be able to claim only for the services opted for by him at the time of Policy issuance.

What is an endorsement?

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will charged as applicable

When to opt for the Roadside Assistance service?

The Insured may choose to opt for any one or more of these at the time of policy issuance

What is meaning of insurance?

Insurance is a protection against the financial loss arising on the happening of an unexpected event. A person can avail this protection by paying a premium to an insurance company.

How can I avail Road Side Assistance?

To avail Road Side Assistance, you can call on the toll free number 1800 2666 and follow the IVR instructions.

What is the period of General Insurance policies?

Typically, General Insurance contracts are for a one-year period only.

What are the exclusions under RSA cover?

Services for Road Side Assistance will not be provided in the below mention scenarios-

Providing the above mentioned services under conditions of earthquake, war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s) of government(s)/government agencies/judicial/quasi-judicial authorities.

Any claims where your vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations

Any claim where your vehicle can safely be transferred on its own power to the nearest garage/workshop

Any claims triggered by theft; any kind of consequential losses

Any loss which is covered under any other insurance policy or manufacturer’s warranty or recall campaign or under any other such packages at the same time

Any expenses for supply or replacement of parts/consumables

Any loss/damage caused to your vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual

Any claims where services have been availed of without the prior consent of the Company

What are the benefits of buying Motor Insurance online?

When you buy Motor Insurance online, you get an instant policy, as there is no documentation or paperwork involved. In addition, you have the advantage of choosing from multiple payment options e.g. Credit Card (Visa, Master Amex card), Net banking, Debit Card etc.

Does ICICI Lombard General Insurance Company only provide services in times of car breakdown or does it pay for the other expenses too?

ICICI Lombard General Insurance Company only provides assistance. Additional costs incurred for purchase of car parts, fuel, taxi fare etc. are to be borne by the customer.

What are the various types of vehicle that I can insure online?

Currently only Private Car and Two-wheeler can be insured online.

Is Roadside Assistance service available 24x7?

Yes, Roadside Assistance service is available 24 x7.

Why do I need to insure my vehicle?

Your vehicle is probably one of the most expensive things you own. Insurance protects this asset and helps you cope with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of: • Your passengers • Your fellow drivers • Other people's property • Pedestrians • Yourself Insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft. Above all, in India it is mandatory to have at least a Third Party Motor Insurance before you can drive on the roads.

Can I renew my motor policy online?

Yes, you can renew your policy online, starting 60 days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission or required documents.

What is No Claim Bonus (NCB)?

No Claim Bonus (NCB) is a discount on premium of the Own Damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period. The NCB can be accumulated up to a maximum limit of 50% on OD premium. You can transfer the full benefits of NCB, even when you shift your motor insurance to ICICI Lombard from any other Insurance company.

Is my No Claim Bonus (NCB) transferable?

Yes, in case you are the customer of ICICI Lombard, or are switching/changing to ICICI Lombard from any other insurance company, and have accrued some NCB from your previous insurer, you can get the same transferred provided the vehicle is insured within 90 days of your renewal due date. The same applies if you switch/change from ICICI Lombard to other insurance company

What is the rate at which NCB is transferred from my previous insurance company to ICICI Lombard?

The NCB will be transferred to ICICI Lombard motor policy at the same rate that you are entitled to get from the previous insurance company on renewal of your policy. The NCB will be available, provided you show evidence that you are entitled to No Claim Bonus from your previous insurance company. Evidence can be in form of:

• A renewal notice or
• A letter confirming the NCB entitlement from the previous insurer or
• A written declaration (kindly note that in case of a false declaration, the policy will be subject to cancellation)