General Insurance Plans
General Insurance safeguards you against life’s unexpected events. Whether it’s a car accident, property damage, medical emergency, travel issue, or business loss, our policies provide reliable protection, quick claims support, and peace of mind for you and your family.
- 8700+ Cashless Garages
- Zero Paperwork
- Zero Depreciation Cover
- Get Policy In 3 Easy Step
Motor Insurance
Start your vehicle insurance journey with confidence!
Motor insurance protects you from financial losses caused by accidents, theft, or natural calamities. By paying a small premium, your insurer covers repair costs or even the replacement of your vehicle. Since unexpected events can happen anytime, having motor insurance ensures you stay stress-free and financially protected on the road.
Car Insurance
Prices starting at just ₹2,094/yr
- Doorstep Cashless Repairs
- ₹15 lakh Personal Accident Cover
- Upto 50% off with NCBF
Give your car the protection it deserves. Our car insurance safeguards you from accidents, theft, and natural disasters while ensuring you meet legal requirements under the Motor Vehicles Act, 1988.
With policies starting from ₹2,094 per year, enjoy cashless repairs, quick claim settlements, and round-the-clock support — so you can drive with complete peace of mind.
Key Features of Car Insurance Policy
- Affordable Premiums
- Quick Buy & Renewal
- No-Claim Bonus (NCB)
- Wide Range of Add-Ons
- Claim Assistance Experts
- Personal Accident Cover
- Easy Insurance Renewal
- Extra Safety with Add-On Covers
What does our car insurance policy cover and not cover?
What’s included:
- Coverage for natural disasters like earthquakes, floods, fires and storms
- Cashless repairs in 6900+ network garages
- Coverage for theft, accidents and terrorist activities
- No claim bonus up to 50%
- ₹15 lakh Personal Accident Cover
- Multiple add ons to choose from
- Third-party legal liabilities cover
- Instant claim settlement via InstaSpect
What’s not:
- Car wear & tear and aging
- Damages while driving under the influence of drugs or liquor
- Any consequential loss
- Damages while driving without a valid license
- Loss/damage due to war, mutiny or nuclear risk
Bike Insurance
Prices starting at just ₹538/yr
- AI-backed claims for quick processing
- Personal Accident cover
Two-wheeler insurance protects you and your bike from financial losses caused by accidents, theft, or natural and man-made disasters. It also covers third-party damages if your bike causes harm to someone else’s vehicle or property.
As per the Motor Vehicles Act, having at least third-party insurance is mandatory for all bike owners in India. For complete protection, you can choose a comprehensive policy that covers both your bike’s damages and third-party liabilities, with optional add-ons like Zero Depreciation, Roadside Assistance, and Engine Protection
Key Features of Two Wheeler Insurance Policy
- Damages and Loss to the Bike
- Theft of the Bike
- Third-Party Liability
- Personal Accident Cover for the Owner-Driver
- Specific Coverage Under the Add-ons
What is Covered by ICICI Lombard two-wheeler insurance policy?
Accidents
Our bike insurance policy covers damages or losses caused to your bike due to a road accident, collision, etc. With this, you don’t have to worry about repair or replacement costs!
Theft
We also provide compensation in case your bike is stolen. This compensation is based on your vehicle’s Insured Declared Value (IDV) and policy terms and conditions.
Natural Calamities
Our bike insurance policy covers losses or damages suffered by your two-wheeler due to lightning, earthquakes, typhoons, frost, landslides, etc.
Man-made disasters
Our two-wheeler insurance provides coverage against riots, strikes, malicious acts, terrorist activities, etc.
Personal Accidents
We offer a Personal Accident Cover of ₹15 lakh for the two-wheeler owner. You can also buy this cover for your co-passenger with an additional premium.
Third-party Legal Liability
Our bike insurance policy offers protection against third-party legal liability for accidents and damages caused by your bike.
Features of a Motor Insurance Policy
Financial Security
A motor insurance policy helps take care of the cost of repairs for your vehicle. So, while it cannot help you grow your money, motor insurance is an important part of every good savings plan. You can rely on your vehicle insurance policy to help take care of the cost of repairs.
No-Claim Bonus (NCB)
A No Claim Bonus or NCB is a reward that your insurer provides you whenever you complete a policy year without making any claims against your vehicle insurance policy. The reward is a reduced premium for your motor insurance plan for the following year.
Quick Claims
When you get your vehicle repaired at a network garage, you can enjoy a quick and easy cashless claims process against your motor insurance policy.
Protection Against Damages
A comprehensive vehicle insurance plan provides complete damage cover. So, any damage caused by a natural calamity, theft or accidents will be taken care of by your motor insurance policy
Third-Party Cover
Third-party liability insurance covers you if your vehicle causes injury or damage to another person or their property. It pays for the third party’s expenses and is the minimum mandatory insurance required to legally drive a vehicle in India.
Customisable Add-Ons
Enhance your vehicle’s protection by choosing from a range of up to 13 motor insurance add-ons. You can opt for additional benefits such as roadside assistance or NCB protection.
Need help in
finding the right policy?
Our Excell Insurance experts are here to guide you and recommend the best policy for your needs.
