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Car Insurance · head to head

Private Car Package Policy vs Private Car Base 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 Base 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
Package Policy, Liability Only Policy, Three Years Long Term Stand Alone Motor Third Party, Bundled Motor Policy for Private Cars, Long Term Motor Private Car Package Policy, Standalone OD for Motor PC
Number of add-ons listed
19
16
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, Consumable Items, Engine Protect, Return to Invoice, Road Side Assistance (Basic/Gold), Loss of Personal Belongings, Key Protect, Tyre and Alloy, No Claim Bonus Protection Cover, Additional Towing Charges, High Value PA, Road Tax cover, Battery Protect, Hybrid Protect, Loss of Contents, Return to Invoice (RTI) Gold
Cashless garages
7000+
1,200+
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
IRDAN190RP0042V01100001

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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