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ICICI Lombard Own Damage Car Insurance

An ICICI Lombard Standalone own damage car insurance policy can be purchased to cover damages sustained by the insured vehicle due to unanticipated incidents. These incidents include road accidents, manmade acts, natural calamities, fire, theft, etc. An ICICI OD cover can be purchased with an existing TP cover to extend coverage to the car as well.

Key Features of ICICI Lombard Standalone Own Damage Car Insurance

The key features of ICICI Lombard own damage insurance policy include the following:

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Offered
Zero Depreciation Cover	Yes
PA Cover	Upto Rs. 15 Lakh

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Coverage Under ICICI Lombard Standalone Own Damage Car Insurance

Inclusion
Exclusions

Manmade acts like riots and strikes resulting in damages to the insured car
Losses sustained by the insured vehicle due to fire or self-ignition
Claims can also be raised for losses caused by the theft of the insured car
Damages arising out of natural calamities like typhoons, earthquakes, cyclones or any other natural calamity
Damages to the insured car while in transit via rail, road, air and water.

Contractual liabilities of the owner/driver of the insured car
Third-Party liabilities such as third-party death, disability and property damage
Damages to the insured four-wheeler when being driven under the influence of alcohol
Losses arising out of commercial use of private vehicles.
Damages to the insured car when driven without a valid driving license.

Add-ons Under ICICI Lombard Standalone Own Damage Car Insurance

To enhance the coverage of your ICICI Lombard car insurance, a policyholder can purchase the following add-ons:

Consumables Cover
Roadside Assistance Cover
Zero Depreciation Cover
NCB Protect Cover
Engine Protect Plus
Key and Lock Protect
Garage Cash
Return to Invoice

How to Buy an ICICI Lombard Standalone Own Damage Car Insurance Policy?

Follow these steps to purchase an ICICI standalone own damage car insurance policy online:

From the homepage, select the “Car Insurance” tab
On the given form, enter your car number or select the “brand new car” option
Select your car details, such as RTO, make, model, variant, and registration year.
Select the ICICI Lombard own damage plan from the given four-wheeler insurance plans.
Select the desired add-ons and
Pay the final premium via online payment modes
Once you have paid the premium, your ICICI OD policy will be mailed to you.

Documents Required to Raise an ICICI Lombard Standalone Own Damage Car Insurance Claim

To successfully make an ICICI Lombard standalone own damage claim, a policyholder will need the following documents:

Your own damage insurance papers
Vehicle registration certificate
Bills of repair
Estimates of repair
Copy of Police FIR
KYC

FAQs

Q1. What is the difference between comprehensive and standalone car insurance?

Ans: Comprehensive car insurance refers to the package policy that offers coverage for both own damage and third-party liabilities. On the other hand, an own damage policy only covers own damages sustained by the insured car and not third-party liabilities.

Moreover, an own damage policy can only be purchased with an existing third-party cover when you have exhausted the own damage cover from your bundled policy.
Q2. Are there any discounts offered on OD premium?
Ans:

Yes. A policyholder can take advantage of these discounts on own damage premium:
- Anth-theft discount
- NCB discount
- Membership of the Automobile Association of India
- Voluntary deductibles
Q3. Is own damage insurance mandatory for a car?

Ans: No, an own damage car insurance policy is not mandatory as per the motor laws of India. Only third-party insurance is mandatory.
Q3. How can I calculate own damage premium before purchasing a policy?

Ans: To calculate the estimated own damage premium of a car, you can make use of a car insurance premium calculator. This online tool can be used to get an estimated premium along with the IDV by considering your car’s details.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in