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Private Car Package Policy vs Car Insurance (Comprehensive)

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Specifications side by side

Spec
Private Car Package Policy
Car Insurance (Comprehensive)
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
Third-party Car Insurance, Standalone Own Damage Car Insurance, Comprehensive Car Insurance
Number of add-ons listed
19
19
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
Depreciation Reimbursement (Zero Depreciation), Return to Invoice, No Claim Bonus Protection Cover, Consumable Expenses, Engine Secure, Tyre Secure, Roadside Assistance, Key Replacement, Repair of Glass, Fibre, Plastic, and Rubber Parts, Loss of Personal Belongings, Additional Towing Charges, Emergency Transport and Hotel Expenses, Emergency Medical Expenses, Electric Surge Secure, Additional Third-party Property Damage Cover, Misfuelling, Depreciation Allowance - Battery, Vehicle Loan Protector, Daily Allowance Plus
Cashless garages
7000+
5,700+ (as of July ’26)
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.
Cashless: register claim (helpline 022-6489-8282, general.claims@tataaig.com, WhatsApp 9136160375, website/app or branch) and get a Claim Reference Number; take the car to a network garage; surveyor inspection, approval and assessment; final bill settlement with the garage. Reimbursement claims also supported.
Insurer
IRDAI UIN
IRDAN115RP0017V01200102
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