ICICI Lombard SmartDrive Commercial Vehicle Insurance

Comprehensive risk coverage for your commercial vehicles

ICICI Lombard SmartDrive Commercial Vehicle Insurance

All you need to know


Protecting vehicles that are assets for running the business is a must. Commercial Vehicle Insurance financially protects the insured’s vehicle against theft, accidental damages, losses. It also provides financial security from legal liabilities towards third-party death, injuries and property damages.


Covers damages and losses caused to one’s vehicle used in business
One can insure their vehicle against all possible damages and losses as mentioned in the policy document 

End-to-End Claim Assistance
Enjoy 24/7 Claim Assistance & strong customer support with ICICI Lombard


Accidental damage to the vehicle due to:

  • Fire, lightning, self-ignition, external explosion, burglary, housebreaking or theft, malicious act. 
  • Riot and strike; terrorism; earthquake; flood, cyclone and inundation 
  • Whilst in transit by rail, road, air, elevator, lift.

Liability cover for: 

  • Third party injury or death 
    Third party property damage caused to their property

Extension cover of Commercial Vehicle Insurance for: 

  • Loss or damage to electrical accessories 
  • Loss or damage to Non-electrical accessories
  • Personal Accident cover for insured or any named person or unnamed passengers 
  • Legal liability to persons employees (paid drivers/cleaners) 
  • Legal Liability to employees of the insured (other than paid drivers/cleaners) 
  • Legal liability to fare and non-fare paying passengers


The policy doesn’t cover any claim arising due to: 

  • Wear and tear, breakdowns.
  • Consequential loss 
  • Loss when driving with invalid driving license or under the influence of alcohol. 
  • Loss due to war, civil war, etc.
  • Claims arising out of contractual liability.
  • Use of vehicle otherwise than in accordance with 'limitations as to use' (e.g. commercial vehicle used for personal reasons) 
  • War perils, nuclear perils
  • Mechanical and electrical breakdown; failure or breakage.


Need to have vehicles registered for solely commercial purposes