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Car Insurance · head to head

Private Car Package Policy vs Private Car Package Policy

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Quick verdict

  • Private Car Package Policy is better for most add-ons to choose from.

Computed from stored specifications, the published car insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Private Car Package Policy
Private Car Package Policy
Policy
Policy types
Private Car Package Policy (1 year; 3 years), Standalone Own Damage Private Car Policy (1 and 2 years), Private Car Liability Only Policy (1 and 3 years), Bundled Private Car Policy
Private Car Package Policy, Stand-Alone Own Damage Policy for Private Car, Private Car Policy - Bundled (3 year Act Only and 1 year Own Damage), Act only Policy Private Car - 3 year, Motor Act Only Policy
Number of add-ons listed
19
22
Add-ons listed
Zero Depreciation, Consumable Items, Engine protect Plus, Road Side Assistance, Return to Invoice, Garage Cash, NCB protect, Key Protect, Tyre Protect, EMI Protect, Loss of Personal Belongings, Battery Protect Cover, Motor Floater, Telematics (PHYU & PAYU), Smart Saver, Smart Saver Plus, Emergency Medical Expenses, IL Smart Assist, War Risk Cover
Nil Depreciation Cover, Consumables Cover, Engine Protect, Key Protect, Return To Invoice Cover, Tyre and Alloy Cover, Personal Belongings Cover, Inconvenience Cover, EMI Cover, Battery Cover, Protection of NCB, Basic Road side Assistance, Additional Roadside Assistance, Rim safeguard, Medical personal accident, Additional personal accident, Inability to drive due to injury cover, Loss of Driving License/Registration Certificate, Multiple Damage, Additional Towing, Car Spa, Zero Excess
Cashless garages
7000+
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Claim process
1. Inform ICICI Lombard (website, IL TakeCare app, toll-free 1800 2666 or WhatsApp). 2. Complete video survey via InstaSpect in the IL TakeCare app. 3. Submit documents (RC, driving licence, claim form, FIR for theft). 4. Track claim online/WhatsApp/app. Cashless: take car to a network garage; bill settled directly with the garage.
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Insurer
IRDAI UIN
IRDAN115RP0017V01200102
IRDAN149RP0001V02201213

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

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