๐ Motor & General Insurance ยท ICICI Lombard
The cheapest policy is expensive the day you claim.
Car, bike, shop or travel - online portals sell you the lowest price, then leave you alone with the surveyor. We insure it right, with the add-ons that matter, and we handle the claim when something goes wrong.
โ ๏ธ What the "lowest quote" hides
IDV quietly reduced to cut premium
A lower Insured Declared Value makes the quote look cheap - and pays you less if the vehicle is stolen or totalled. We set IDV honestly.
No zero-dep, no engine cover
Without the right add-ons, a โน40,000 repair becomes a โน22,000 out-of-pocket surprise. We include what your vehicle's age actually needs.
Claim filed alone, settled poorly
Portals are great at selling and silent at claiming. With us, you send one WhatsApp message and we take it from there - garage, surveyor, insurer.
๐ What we check before recommending
A five-minute review that saves claim-day pain:
- Correct IDV - not inflated, not quietly slashed
- Zero depreciation, engine protect, roadside assistance by vehicle age
- NCB (no-claim bonus) carried correctly on renewal or vehicle change
- Cashless garage network near you
- For shops & businesses: fire, burglary and liability basics done right
๐งพ What you can buy through us
Car & bike insurance
Comprehensive covers with sensible add-ons, renewed on time, claims handled personally.
Shop & business covers
Fire, burglary and allied protection for shops, offices and godowns.
Travel insurance
Medical emergencies and trip protection for international travel - a small cost against a very large risk.
๐ฌ Motor & general insurance, honestly answered
Why not just renew on whatever app is cheapest?
The premium difference is usually a few hundred rupees. The difference at claim time - correct IDV, right add-ons, and a person who deals with the surveyor for you - is usually tens of thousands.
Is zero depreciation worth it?
For most cars up to 5โ7 years old, yes: without it, the insurer deducts depreciation on every plastic and metal part in a repair. Beyond that age we look at the premium jump and tell you honestly.
What should I do immediately after an accident?
Ensure everyone is safe, photograph the scene and damage, and message us before the vehicle moves to a garage. Starting repairs before the surveyor sees the vehicle is the most common way claims get cut.
๐ Not sure what you need? That is exactly why we exist.
Send one WhatsApp message. We will ask a few simple questions, compare plans across insurers, and tell you honestly what fits - even if the answer is "you don't need this yet".