ICICI Lombard Car Insurance Review 2026 | Private Car Package Policy

Plan Highlights

What makes ICICI Lombard Private Car Package Policy stand out

6,800+ Network Garages

Wide cashless garage network across India ensures convenient access to repairs near you, in metros and smaller towns alike.

Engine Protect Plus

Comprehensive engine cover extending to gearbox and differential, going beyond standard engine protect add-ons offered elsewhere.

Roadside Assistance (4x/Year)

Up to 4 roadside assistance call-outs per policy year covering towing, breakdown support, fuel delivery and minor repairs.

Zero Depreciation Add-on

Ensures full claim value on replaced parts without depreciation deductions, ideal for cars under 5 years old.

Return to Invoice (RTI)

Get the full invoice value of your car including registration and road tax in case of total loss or theft.

Multiple Discount Options

NCB discount plus additional discounts for anti-theft devices and AAI (Automobile Association of India) membership.

Key Protect & Garage Cash

Covers cost of lost car key replacement, plus daily cash allowance while your car is under repair at a network garage.

Pay As You Drive Option

Usage-based insurance variant for low-mileage drivers who want premiums linked to actual vehicle usage.

Detailed Coverage

A comprehensive look at what is and is not covered under ICICI Lombard Private Car Package Policy

Coverage Feature	Details	Status
Own Damage Cover	Accident, collision, rollover damage to your car	Fully Covered
Third-Party Liability	Legal liability for third-party injury/death/property	Covered (Mandatory)
Theft Cover	Total loss due to theft of vehicle	Covered
Fire & Explosion	Damage due to fire, self-ignition or explosion	Covered
Natural Disasters	Flood, cyclone, earthquake, landslide damage	Covered
Man-made Disasters	Riots, strikes, terrorism, malicious acts	Covered
Personal Accident Cover	Owner-driver PA cover up to ₹15 Lakh	Included
Zero Depreciation	Full claim payout without depreciation deduction	Add-on
Engine Protect Plus	Engine, gearbox & differential damage cover	Add-on
Roadside Assistance	Up to 4 call-outs per year for towing/breakdown	Add-on
Consumables Cover	Engine oil, nuts, bolts, lubricants etc.	Add-on
Return to Invoice (RTI)	Invoice value paid on total loss/theft	Add-on
Garage Cash	Daily cash allowance during car repair	Add-on
Loss of Personal Belongings	Cover for personal items lost from the car	Add-on
Key Protect	Cost of replacing lost/stolen car keys	Add-on
Pay As You Drive	Usage-based premium variant	Available
No Claim Bonus (NCB)	Discount on premium for claim-free years	Up to 50%
Anti-Theft & AAI Discounts	Extra premium discounts for safety devices/membership	Available
Wear and Tear	Normal mechanical wear and tear of vehicle	Not Covered
Driving Without Valid Licence	Damage while driving without a valid licence	Excluded

Who Should Buy ICICI Lombard Private Car Package Policy?

This plan is best suited for the following profiles

Car Owners Wanting Maximum Customisation

With one of the widest add-on selections - including Engine Protect Plus, Garage Cash and Key Protect - you can tailor the policy precisely to your needs.

Drivers Who Value Round-the-Clock Support

24/7 customer support means assistance is always available, whether for claims queries or emergency roadside help.

Owners with Anti-Theft Devices or AAI Membership

Take advantage of additional premium discounts not commonly available with other insurers, on top of standard NCB.

Low-Mileage Drivers Seeking Usage-Based Premiums

The Pay As You Drive variant suits those who drive infrequently and want their premium to reflect actual usage.

Pros and Cons

An honest assessment of ICICI Lombard Private Car Package Policy

Advantages

Wide network of 6,800+ cashless garages across India
Engine Protect Plus covers gearbox and differential, not just the engine
24/7 customer support for claims and queries
Multiple discount avenues - NCB, anti-theft devices, AAI membership
Highly customisable with add-ons like Garage Cash and Key Protect
Roadside assistance available up to 4 times per policy year
Pay As You Drive option for low-mileage drivers

Disadvantages

Claim settlement ratio (~92.9%) is lower than HDFC ERGO, Digit or Bajaj Allianz
Premium is slightly above the segment average
Roadside assistance is capped at 4 call-outs per year, unlike unlimited options elsewhere
Many valuable features require add-on purchases, increasing overall cost

Frequently Asked Questions

Common queries about ICICI Lombard Private Car Package Policy

ICICI Lombard has a claim settlement ratio of approximately 92.9%, which is decent but somewhat lower than top performers like HDFC ERGO (~99.4%) and Digit (97.2%).

Engine Protect Plus is an enhanced add-on that covers damage to the engine, gearbox and differential caused by water ingression, oil leakage or mechanical breakdown - offering broader protection than a standard engine protect cover.

ICICI Lombard has a cashless network of over 6,800 garages across India, allowing convenient repairs without large upfront payments, subject to claim approval.

In addition to the standard No Claim Bonus (NCB) of up to 50%, ICICI Lombard offers premium discounts for vehicles fitted with approved anti-theft devices and for members of the Automobile Association of India (AAI).

Yes, ICICI Lombard offers a Pay As You Drive variant where premiums are linked to actual vehicle usage, making it a good fit for low-mileage or occasional drivers.

Compare with Other Plans

See how this plan stacks up against other top car insurance plans

Full Comparison Table HDFC ERGO Tata AIG Auto Secure Digit Reliance General

ICICI Lombard Private Car Package Policy