ICICI Lombard Motor Insurance Add‑Ons — Complete Guide (with Sub‑Limits)
Everything you need to know about optional motor insurance covers from ICICI Lombard — what they protect, important sub‑limits, typical exclusions, who should buy them, and how to claim. Ready to paste into your blog platform.
Why buy add‑ons?
Standard motor insurance (third‑party or basic own‑damage) leaves several gaps: expensive electronic failures, water ingress to the engine, lost/expensive keys, consumables during repairs, and incidental costs like travel and hotel after a breakdown. Add‑ons let you customise protection to match your car’s value and your driving patterns.
Master List of Add‑Ons (What they cover & key sub‑limits)
| Add‑On | What it covers | Key sub‑limits / conditions |
|---|---|---|
| Zero Depreciation (Nil Dep) | 100% reimbursement for replaced parts without depreciation (except certain items). | Up to 2 claims/year. Not applicable for total loss. Tyres/tubes/batteries often reimbursed at 50%. |
| Engine Protect Plus | Engine, gearbox, differential damage due to oil leakage, water ingress or hydrostatic lock. | Usually for cars 5 years old. Excludes damage caused by negligence (e.g., restarting engine after water entry). |
| Return to Invoice (RTI) | Reimburses invoice price (including road tax & registration) on total loss or theft instead of IDV. | Typically for cars 3 years old or less; only triggers on total/constructive total loss or theft. |
| Consumables Cover | Covers expendable items used during repairs (oil, filters, nuts & bolts, AC gas, coolants). | Payable only when OD/repair claim is accepted; not a stand‑alone replacement cover. |
| Key Protect / Key Replacement | Replacement/repair of lost or stolen keys, locksets, and locksmith charges. | 2 claims/year; deductible often 1% of claim (min ₹250); FIR required for theft; report within 30 days. |
| Personal Belongings | Loss or damage of items kept inside the insured vehicle (gadgets, bags, clothes). | Electronics: up to ₹10,000/claim; others: up to ₹5,000/claim; ₹500 deductible; FIR required; depreciation applies. |
| Tyre Protect | Repair/replacement for tyres and tubes damaged due to accidental impact. | Excludes wear & tear; often covers up to 4 tyres/year. Labour included where specified. |
| Rim Damage Cover | Repair or replace alloy wheel rims damaged due to impact. | Annual cap typically ₹15,000–₹25,000 (policy dependent). |
| Garage Cash (Loss of Use) | Daily cash allowance while vehicle is under repair at workshop. | ₹500/day, starts from Day 2; max 14 days/year. |
| Roadside Assistance | Towing, fuel delivery, battery jump start, on‑spot minor repairs, emergency taxi/hotel arrangements. | Usually 4 service calls/year; towing up to 50 km (excess borne by insured); hotel allowance up to ₹5,000 under specific conditions. |
| Hospital Cash / Medical / Ambulance | Daily hospital cash if owner/driver hospitalized due to car accident; ambulance & medical expenses. | Commonly ₹1,000/day, up to 30 days per policy year. |
| Additional Personal Accident | Increased owner/driver personal accident cover beyond the mandatory limit. | Sum insured options (e.g., ₹25L/₹50L) chosen at purchase; premium varies. |
| Legal Liability for Paid Driver | Covers liabilities arising from injuries/claims involving a hired driver. | Typically set to comply with Workmen Compensation norms (e.g., ₹50 lakh or as required). |
| Emergency Transport & Hotel Expenses | Reimbursement of transport or accommodation when stranded away from home. | Caps usually in the range ₹5,000–₹7,500 per incident. |
Important: Exact sub‑limits, eligibility (age of vehicle), and exclusions vary by product version and policy wording. Always check the policy document or speak with an ICICI Lombard representative before purchase.
Who should buy which add‑on?
New car owners (0–3 years)
- Zero Depreciation
- Return to Invoice
- Key Protect
- Engine Protect Plus
High‑value / luxury car owners
- Tyre & Rim Protect
- Key Protect (smart keys)
- Consumables & Accessories Cover
- NCB Protect
Frequent travellers / long commutes
- Roadside Assistance
- Emergency Transport & Hotel
- Engine Protect (if driving in flood‑prone areas)
Families / everyday users
- Personal Belongings
- Hospital Cash
- Consumables
Pricing & premium impact (ballpark)
Add‑ons typically increase the comprehensive policy premium by a small percentage each. As a rule of thumb:
- Simple add‑ons (consumables, garage cash): ₹500–₹2,000 per year depending on car segment.
- Mid‑tier add‑ons (key protect, tyre, rim): ₹1,000–₹5,000 per year.
- High‑value add‑ons (RTI, engine protect for high IDV cars): ₹3,000–₹10,000+ per year.
Actual premium varies with car model, IDV, city, voluntary deductible, and prior claims (NCB). Get quotes from ICICI Lombard’s portal or authorised partners for precise pricing.
How to buy & make a claim
- Select add‑ons while buying/renewing a comprehensive motor policy—online on ICICI Lombard website, IL TakeCare app, or via aggregator partners.
- For claims: inform the insurer immediately, file FIR (if theft), submit required documents (policy copy, RC, FIR, estimate & final bill from workshop, photos) and cooperate for inspection.
- Keep receipts for locksmiths, hotel, taxi or spare parts when claiming related add‑ons.
Frequently Asked Questions (FAQ)
- Q: Can I add add‑ons at renewal?
- A: Yes—most add‑ons can be chosen at purchase or renewal. Confirm availability for older vehicles.
- Q: Are add‑ons available with third‑party policies?
- A: No. Add‑ons are generally available only with Comprehensive/Own‑Damage cover, not stand‑alone third‑party policies.
- Q: How many claims allowed under Key Protect?
- A: Typically up to 2 claims per policy year. Always verify your specific policy wording.
- Q: If I buy Zero Dep, will it cover the battery and tyres fully?
- A: Many policies either exclude tyres/tubes/batteries or reimburse them at reduced rates (e.g., 50%). Check the exact exclusions.
- Q: Will add‑ons affect my NCB?
- A: Filing a claim may impact your NCB unless you have NCB Protect or similar cover that preserves your bonus.
Example scenarios
Scenario 1 — Lost smart key: Replacement can cost ₹15k–₹40k. With Key Protect, you claim replacement (subject to deductible and annual limits) and avoid large out‑of‑pocket cost.
Scenario 2 — Monsoon water ingress: Engine damage from hydrostatic lock is expensive. With Engine Protect Plus, you are covered for repair/replacement of engine internals (subject to exclusions).
Scenario 3 — Long trip breakdown: Roadside Assistance arranges towing (up to 50 km), and hotel allowance (up to ₹5k) if repair takes long and you’re stranded far from home.
Final checklist before adding covers
- Read the policy wording PDF for exact sub‑limits and exclusions.
- Check vehicle age eligibility (many add‑ons have age caps).
- Weigh extra premium vs. likely out‑of‑pocket expense for your car model.
- Keep contact details of authorised garages and the insurer’s 24×7 claim number handy.
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