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Private Car Package Policy vs Private Car Package Policy

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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
Third-Party Car Insurance Policy, Comprehensive Car Insurance Policy, Standalone Own-Damage Insurance (also Private Car Policy – Bundled)
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
Pay As You Drive (Limit Pay Sure), Nil Depreciation Cover (Zero Depreciation), Return-to-Invoice Cover, Consumables Expenses, Engine Protection Cover, Key & Lock Replacement, Tyre Protection, RIM Protection, 24/7 Roadside Assistance, Loss of Personal Belongings, Daily Allowance Benefit, EMI Protection Cover, No Claim Bonus Retention Cover, Electrical Accessories Cover, Electric Motor Protect, EV Battery Protection, Non-Electrical Accessories Cover, Geo Extension, EV Charger Cover
Cashless garages
7000+
11,000+
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: inform within 24 hours or register on the IndusInd Insurance App; visit a network garage; surveyor inspection or self-inspection via app (photos/live video); submit documents, approval can take 7 days after documents; bill paid directly to garage. Reimbursement: notify within 24 hours, then repair and claim.
Insurer
IRDAI UIN
IRDAN115RP0017V01200102
IRDAN130RP0010V01201920

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