New policy or renewal for a private car. Compare what each insurer covers, then continue to their quote page. Enter your registration number there and your car’s make, model and variant are picked up automatically.
Offer 1 of 2 Comprehensive and third party cover with a cashless garage network and 24×7 claim support.
Takes you to ICICI Lombard to complete your quote and payment.
Offer 2 of 2 A direct to customer insurer, with no agent commission built into the premium.
Takes you to Acko to complete your quote and payment.
A discount on the own damage half of your premium, earned one claim free year at a time. It belongs to you rather than to the vehicle, so it survives a change of insurer and moves to your next vehicle, as long as you renew within 90 days of expiry. One claim resets it to zero.
| Claim free period | Discount on own damage premium |
|---|---|
| After 1 claim free year | 20% |
| After 2 consecutive years | 25% |
| After 3 consecutive years | 35% |
| After 4 consecutive years | 45% |
| After 5 consecutive years | 50% |
The discount applies to the own damage premium only. The third party portion is set by IRDAI and no bonus applies to it.
Make, model, variant, engine capacity and fuel type. A larger engine sits in a higher third party slab, and a costlier car carries a higher own damage premium.
Insured Declared Value is your car’s current market value and the ceiling on a total loss claim. A lower IDV cuts the premium, and it cuts the payout by the same logic.
Registration city decides the zone. Metro registrations generally attract a higher own damage rate than smaller cities.
Claim free years build No Claim Bonus and pull the own damage premium down. A claim in the previous year resets that discount to zero.
Zero depreciation, engine protection, roadside assistance, consumables and return to invoice each add premium. None are compulsory.
Agreeing to pay a fixed share of any claim yourself lowers the premium. It only pays off if you rarely claim.
None are compulsory and each one costs extra. Availability depends on the vehicle’s age and the insurer’s rules.
| Cover | What it does |
|---|---|
| Zero depreciation | Removes the depreciation cut on replaced parts, so a claim settles closer to full part value. |
| Engine protection | Covers engine and gearbox damage from water ingress or oil leakage. This is the one thing flooding does not otherwise cover. |
| Roadside assistance | Towing, jump start, flat tyre help and fuel delivery when the car stops away from home. |
| Return to invoice | On total loss or theft, pays the original invoice value rather than the depreciated IDV. |
| Consumables | Pays for engine oil, coolant, nuts, bolts and lubricants during a claim, which a base policy excludes. |
| Key and personal belongings | Replacement of lost keys and cover for items inside the car, where the insurer offers it. |
Enter your registration number on the insurer’s page and your vehicle details are picked up automatically.
Insurance is the subject matter of solicitation.
My Wheels Expert is a digital publisher and is not an insurance company, agent or broker. We do not sell insurance, do not underwrite policies and do not decide premiums. This page directs you to ICICI Lombard General Insurance Company Limited and Acko General Insurance Limited, who issue the policy. Cover, optional covers, eligibility, premium and claim settlement are entirely subject to the insurer’s underwriting and the terms, conditions and exclusions of the policy wording. Please read the policy document carefully before concluding a sale. This page may earn a referral fee from the insurer, which does not change what you pay. All trademarks and logos shown are the property of their respective owners.
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