Updated on 2 Dec 2025
The motor insurance industry in India has been evolving rapidly, especially with the adoption of digital tools that simplify processes for policyholders. One of the most notable innovations in recent years has been the introduction of mobile-based self-inspection solutions. These solutions aim to make the process of policy renewal, claims initiation and verification quicker and more convenient for customers.
This article explores the concept of mobile self-inspection for cars, its benefits, how it works and why it is relevant in today’s insurance industry. It also clarifies who can use this feature and answers some commonly asked questions.
What is mobile self-inspection?
Mobile self-inspection is a technology-driven feature that enables car owners to conduct the inspection of their vehicle themselves, using their smartphone.
Inspection is mandatory when a car insurance policy lapses, and it causes a delay in the issuance of the renewed policy. Normally, the insurer initiates a process called ‘Break-In’ when a customer applies for renewal of a lapsed policy. In this process, an inspection by authorised surveyors is carried out, and the policy is issued based on a satisfactory inspection.
However, with the ‘Mobile Self-Inspection’ feature, the time taken for renewal of a lapsed policy reduces to a few hours from 2-3 days. This feature has made the renewal of lapsed policies an easy and stress-free process for customers.
Key benefits of mobile self-inspection for car owners
Below are some of the key benefits of mobile self-inspection:
- Time efficiency: Instead of waiting for a surveyor appointment, car owners can carry out the inspection whenever it is convenient.
- Accessibility: A smartphone with a functioning camera and internet connection is usually sufficient to complete the process.
- Faster policy activation: When renewing a third-party or comprehensive car insurance plan, mobile self-inspection allows the process to be completed quickly, resulting in faster policy issuance.
- Reduced paperwork: The entire process is digital, minimising the need for physical forms or documents.
- Convenience: The self-inspection can be carried out from the customer’s home, workplace or any other preferred location.
How does ICICI Lombard’s mobile self-inspection work?
To do a mobile self-inspection of your car, download or update the ‘Insure’ app and ensure you have a good internet connection and a camera with at least 3MP resolution. Carry out the inspection in daylight and avoid closed parking areas.
Record the video in the given order: engine and chassis number, front, back, side, odometer and damage. The app also contains a demo video for step-by-step guidance of the ‘Mobile Self Inspection’ process.
Make the video between 9 am and 4 pm, Monday to Friday, for same-day status. You can discard and retake the video if needed, but it cannot be paused. If the process stops midway, start a new video.
The video will be approved as per ICICI Lombard’s underwriting guidelines, and after which the policy will be generated within a few hours. After uploading the video, the status can be checked in the ‘My Policy’ section on the website or in the app.
Why this feature matters in today’s insurance industry
Customers increasingly expect instant services and minimal physical interactions, particularly since the COVID-19 pandemic highlighted the importance of remote and contactless processes.
This feature matters because:
- It enhances customer experience by saving time and reducing dependency on third-party surveyors.
- It allows insurers to streamline operations and manage inspections at scale.
- It supports faster processing of renewals and claims, a key expectation among digitally-aware consumers.
- It helps reduce operational costs, which in turn can contribute to overall efficiency in the industry.
Who can use mobile self-inspection?
Mobile self-inspection is commonly used during policy renewals, especially if the motor insurance has lapsed or there is a gap in coverage. In some cases, insurers may also allow self-inspection for claims processing to assess minor damages.
It is important to note that eligibility, required documentation and specific steps vary by insurer. Policyholders should always check the policy wording or reach out to their insurer’s customer service for clarity.
Conclusion
By enabling customers to complete the inspection process themselves using a smartphone, insurers are making policy renewals and claims initiation more accessible and efficient. For car owners, this can translate into faster turnaround times, greater convenience and reduced dependency on in-person appointments.
If you have questions about eligibility or the inspection process, simply fill out the form on this page to get tailored guidance from our team.
FAQs
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What is the difference between a physical car inspection and a mobile self-inspection?
A physical car inspection requires a surveyor to assess the vehicle in person, whereas mobile self-inspection allows the car owner to capture and submit images and videos digitally through a mobile app or portal.
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Is mobile self-inspection available with all insurers?
No, the availability of this feature depends on the insurer. Some insurers offer it as part of their digital services, while others may still require a physical inspection.
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What documents are required for mobile self-inspection?
Generally, documents such as the vehicle registration certificate may be needed. The specific documentation requirements differ by insurer, so it is best to check the policy wording.
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Can mobile self-inspection be used for claim settlement?
In some cases, yes. Certain insurers allow mobile self-inspection for assessing minor damages during claims. However, the applicability depends on the insurer’s processes and the nature of the claim.
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Does mobile self-inspection affect the no-claim bonus (NCB)?
Mobile self-inspection itself does not impact NCB. The effect on NCB depends on whether a claim is filed and on the insurer’s policies. It is advisable to review the policy wording or consult the insurer directly.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.