GENERAL TERMS & CONDITIONS
ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED (ICICI LOMBARD)
Registered Office: ICICI Lombard House,
414, Veer Savarkar Marg, Near Siddhivinayak Temple,
Prabhadevi,Mumbai- 400 025
Date of Incorporation October 30th 2000
Registered with IRDA as General Insurance Company Regn. No. 115.
TERMS AND CONDITIONS GOVERNING THE USE OF ICICI LOMBARD'S Website BY VISITORS,
CUSTOMERS AND REGISTERED USERS(AS DEFINED HEREIN).
Copyright (c) ICICI Lombard General Insurance Company Limited.
All rights reserved.
In this document the following words and phrases have the meanings set opposite
them unless the context indicates otherwise:
Affiliate of ICICI Lombard shall mean
- ICICI Bank Limited; or
- any company which is the holding or subsidiary company of ICICI Bank Limited; or
- a person under the control of or under common control with ICICI Bank Limited; or
- any person, in which ICICI Lombard has a direct or beneficial interest or control
in 26% or more of the voting securities of such person.
For the purpose of this definition of Affiliate, "control" together with grammatical
variations when used with respect to any Person, means the power to direct the management
and policies of such Person, directly or indirectly, whether through the ownership
of the vote carrying securities, by contract or otherwise howsoever; and "Person"
means a company, corporation, a partnership, trust or any other entity or organisation
or other body whatsoever.
means a general insurance agent for ICICI Lombard who has passed the regulatory
requirements for being an Advisor as prescribed by the Insurance Regulatory and
refers to the Customer's account with ICICI Bank/or any other bank acceptable
to the Company ("Approved Bank"), which may either be a current account, savings
account, fixed deposit, term deposit or any other account facilities that ICICI
Bank/ Approved Bank may offer from time to time.
means the call centre set up by ICICI Lombard to assist Customers of ICICI
Lombard with respect to various transactions and to furnish information etc.
means a Policyholder accessing the Website for obtaining information on ICICI
Lombard's general insurance products, including access to all facilities that are
or may be provided / offered to the Visitors, Customers and Registered Users from
time to time on the Website.
means the password or other means of authentication as ICICI Lombard may specify
from time to time provided to/required to be provided to the Customer, and using
which the Customer may authorise transactions which shall include but shall not
be limited to downloadable request for proposal and claim forms for various general
insurance products that are offered by ICICI Lombard, etc. ICICI Lombard may decide
to permit other transactions or to discontinue existing transactions from time to
time, further details of which shall be provided on the Website.
means ICICI Bank Limited, a company incorporated under the Companies Act,
1956 and having its registered office at Landmark, Race Course Circle, Vadodara
390 007. The term shall include the successors and assigns of ICICI Bank.
ICICI Lombard / We
means ICICI Lombard General Insurance Company Limited, a company incorporated
under the Companies Act, 1956 and licensed under and in terms of the Insurance Act,
1938 and the Insurance Regulatory and Development Authority Act, 1999 to carry out
the business of general insurance and having its registered office at ICICI Bank
Towers, Bandra Kurla Complex, Mumbai 400 051. The term shall include the successors
and/or assigns of ICICI Lombard.
means the various general insurance policies that ICICI Lombard may introduce
from time to time.
means a person who purchases a Policy from ICICI Lombard.
Terms or Terms and Conditions
means the terms and conditions for use of the Website, as specified herein,
by Visitors and Customers.
means the password, or other means of authentication as ICICI Lombard may
specify from time to time, that is provided by ICICI Lombard to the Customer upon
provision of which, the Customer would be able to authorise transactions specified
by ICICI Lombard from time to time, further details of which shall be provided on
means any person having access to the Website for general information about
ICICI Lombard and its products and other facilities offered from time to time on
means the portal located at the URL www.icicilombard.com
means the Visitor or Customer, as may be applicable.
In this document, all references to the Visitor or Customer in masculine gender
shall be deemed to include the feminine gender and singular includes plural and
vice versa and the word "includes" should to be construed as "without limitation".
Applicability of Terms
These Terms and Conditions, in so far as they refer to the Visitor and Customer,
form the contract and agreement between such Visitor/Customer and ICICI Lombard
Right to Alter The Services
ICICI Lombard reserves the right to add, amend, revise suspend or cancel in whole
or in part any of the services which are, or may become, part of the Website, without
any prior notice to the Visitors or Customers. Any addition, suspension, revision,
amendment, cancellation or suspension shall be effective and binding on the Visitors
and Customers. ICICI Lombard may introduce new services in relation to the Website
from time to time. The existence and availability of the new services will be notified
on the Website as and when they become available and any revisions in the Terms
and Conditions will take place in accordance with these Terms and Conditions.
TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE VISITORS
Acceptance of the Terms
By accessing the Website, the Visitor acknowledges and accepts these Terms and
The availability of the information and guidance as part the Website does not constitute
a recommendation by ICICI Lombard, to buy any policies etc. discussed therein by
ICICI Lombard or any of their personnel. Any decisions will be based solely on the
Visitor's own evaluation of the policies / products of ICICI Lombard, and his/her
need for the same. While adequate care would be taken to ensure completeness, accuracy
etc. of the information/services provided, neither ICICI Lombard nor any of their
personnel shall in any circumstance be liable for any loss or damage caused by a
Visitor's reliance on information obtained through the Website. It is the sole
responsibility of the Visitor to evaluate the completeness, accuracy or usefulness
of any opinion, guidance or other content made available on the Website and the
Visitor should consult his/its own legal counsel, business Advisor and tax Advisor
as to the legal, business, tax and related matters concerning any policies with
respect to which guidance is sought or given.
Representation By User
The Visitor to the Website represents that the Visitor is legally competent to enter
into a binding legal contract and agrees to be bound by the terms and conditions
of the use.
TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE CUSTOMERS
Customer Password and Transaction Password
In the event that ICICI Lombard has, or may from time to time, introduce or offer
certain services on the Website which require authentication procedures, the Customer
would be able to access such services by using the Customer ID and the Customer
Password. By using the Customer ID and the Customer Password the Customer can authorise
the transactions. The Customer may be provided a Transaction Password, which would
enable the Customer to carry out such transactions as may be specified from time
to time. The Customer would not be able to carry out the transactions without the
use of the Transaction Password. The terms governing the Customer ID, Customer Password
and Transaction Password are as follows.
Subject to the Terms, ICICI Lombard shall take reasonable care to ensure the security
of and to prevent unauthorized access to the services, which are part of the Website using technology reasonably available to ICICI Lombard.
The Customer confirms and agrees that he will be the sole and exclusive owner and
is the only authorised user of the Customer ID and the Customer and/or Transaction
Passwords and accepts sole responsibility for use, confidentiality and protection
of the Customer ID and the Customer and/or Transaction Passwords as well as for
all transactions authorised by such password/s and shall ensure that the password/s
is/are not revealed to any third party or recorded in any written or electronic
If the Customer forgets /loses the Customer ID or the Customer /Transaction Password,
or is otherwise desirous of a change in the said Passwords can request for change
of the password by sending a written request to ICICI Lombard at the address or
notify the indicated telephone number of the Call Centre. On the receipt of such
a request ICICI Lombard shall discontinue the use of the old Customer and/or Transaction
Password(s) and shall generate a new password for the Customer, which shall be communicated
to the Customer or require the Customer to procure a fresh means of authentication,
details of which will be communicated by the Customer to us. However, the Customer
shall be responsible and liable for all transactions that are carried out by the
use of the Customer ID or the Customer/ Transaction Password, as the case may be,
till the time of discontinuation of the old ID or password.
Any transaction authorised by using the Customer ID and Customer / Transaction Password
is deemed to be that of the Customer and ICICI Lombard is not responsible for any
mistake / error made by the Customer as to the nature of the transaction. If third
parties gain access to the services offered through the use of the Customer ID and
Customer /Transaction Password, the Customer shall be deemed to be responsible and
the Customer hereby indemnifies and holds harmless ICICI Lombard against any liability,
costs or damages arising out of claims or suits by or against such third parties
based upon or relating to such access and use. The Customer shall be responsible
for providing and maintaining the communications equipment (including personal computers
and modems) and telephone or alternative services required at the Customer's end
for accessing and using the Website or related services, and for all communications
service fees and charges incurred by the Customer in accessing the Website or related
services. It is the Customer's responsibility to ensure that no unauthorised person
has access to its computer unattended whilst accessing the Website.
ICICI Lombard would be entitled, at its sole discretion, to seek offline written
or other confirmation from the Customer of any transaction as it may deem fit.
The Customer shall immediately notify ICICI Lombard in writing, delivered via email
and/or Registered AD, or notify through the indicated telephone number of the Call
Centre on the Customer becoming aware of any loss, theft or unauthorised use of
the Customer ID and/or Customer /Transaction Password; or any receipt by the Customer
of confirmation of any transaction which the Customer did not authorise; or any
inaccurate information in the Customer's account balances, securities positions,
or transaction history. If the Customer fails to notify ICICI Lombard immediately
upon the Customer's knowledge when any of the above conditions occur, neither ICICI
Lombard nor any of their officers, directors, employees, Advisors, Affiliates or
subsidiaries can or will have any responsibility or liability to the Customer or
to any other person whose claim may arise through the Customer with respect to any
of the circumstances described above. Under no circumstances shall ICICI Lombard
or anyone involved in creating, producing, delivering or managing the services which
are part of the Website be liable for any direct, indirect, incidental, special
or consequential damages that result from the use of or inability to use the services,
or out of any breach of any warranty.
In the event that the certifying authorities and other infrastructure contemplated
under the Information Technology Act, 2000, for ensuring secure electronic records
and secure digital signatures is notified by the concerned authorities and the infrastructure
to enable the same is in place, ICICI Lombard would have the right to require the
Customers to authorise use, operate or otherwise authorise, the transactions by
means of digital signatures or other means of authentication as ICICI Lombard may
require and/or discontinue the usage of the Customer Password and the Transaction
Subject to the Terms and Conditions, ICICI Lombard shall take reasonable care to
ensure the security of and to prevent unauthorized access to the services, which
are being provided through the Website using technology reasonably available to
Authority to ICICI Lombard
The Customer irrevocably and unconditionally authorises ICICI Lombard to carry out
his instructions, effecting such transactions as may be permitted by ICICI Lombard
from time to time, in accordance with these Terms and such other terms as may be
specified by ICICI Lombard. Certain transactions would be effected only after the
Customer authorises it by using the Customer/Transaction Password and ICICI Lombard
shall have no obligation to verify the authenticity of any such duly authorised
Evidence Of Transactions
In respect of any transactions which may be permitted by ICICI Lombard from time
to time, ICICI Lombard's own records of such transactions, maintained through computer
systems or otherwise, shall be accepted as conclusive and binding for all purposes.
More particularly, the record of ICICI Lombard generated by the transaction(s),
including the recording of the time of the transaction(s), shall be conclusive proof
of the genuineness and accuracy of such transactions.
The Website is maintained by ICICI Lombard and your use of the Website is subject
to the Terms and Conditions and all applicable Indian laws. This Website is offered
to you on the condition that you accept the Terms and Conditions contained herein,
without modification or reservation of any of the terms, conditions and notices
contained herein and by accessing and browsing this Website, you accept, without
limitation or qualification, the Terms and Conditions and acknowledge that any other
agreement between you and ICICI Lombard are superseded and of no force or effect.
This Website may contain links to other websites, web-pages and services also operated
by ICICI Lombard and / or its Affiliates (the "ICICI Sites"), and your use of each
ICICI Site is also subject to the Terms and Conditions and other terms and guidelines,
if any, contained within each such ICICI Site. In the event that any of the terms,
conditions, and notices contained herein conflict with the Terms and Conditions
or other terms and guidelines contained within any particular ICICI Site, then the
Terms and Conditions and other terms and guidelines for such ICICI Site shall prevail.
You hereby agree and confirm that you shall click on the links to, and familiarize
yourself with the terms and conditions and other terms and guidelines found throughout
this Website and the ICICI Sites and abide by them if you choose to use the sites,
pages or services to which they apply.You should assume that everything you see
or read on the Website (including but not limited to directories, guides, news articles,
opinions, reviews, text, photographs, images, illustrations, profiles, audio clips,
video clips, trademarks, service marks and the like, (collectively "the Content")
is copyrighted/ protected by intellectual property laws unless otherwise noted and
may not be used except as provided in these Terms and Conditions or in the text
on the Website without the prior written permission of ICICI Lombard. ICICI Lombard
neither warrants nor represents that your use of materials displayed on the Website
will not infringe patent, copyright or any intellectual property rights or any other
rights of third parties not owned by or affiliated with ICICI Lombard. The disclaimer
as set forth herein is in addition to the legal disclaimer as specified in the Website
Terms and Conditions of Use
The Website is deemed to be in use when it is loaded in temporary or permanent memory
of your computer.
Restrictions on Use
You agree to use the Website strictly for your personal use. You agree not to use
this Website for any illegal purpose or in any manner inconsistent with these Terms
and Conditions. You agree not to use, transfer, distribute or dispose of any information
contained in the Website in any manner that could compete with the business of
ICICI Lombard or otherwise compromise or imperil the interests of ICICI Lombard.
You acknowledge that the Website has been developed, compiled, prepared, revised,
selected and arranged by ICICI Lombard and others (including certain other information
sources) through the application of methods and standards of judgement developed
and applied through the expenditure of substantial time, effort and money and constitutes
valuable intellectual property and may also include trade secrets of ICICI Lombard
and such others. You agree to protect the proprietary rights of ICICI Lombard and
all others having rights in the Website or its content during and after the term
of this agreement and to comply with all reasonable written requests made by ICICI
Lombard or its suppliers of content, equipment or otherwise to protect their and
others' contractual, statutory and common law rights in the Website. You agree
to notify ICICI Lombard in writing promptly upon becoming aware of any unauthorized
access or use of the Website by any party or of any claim that the Website infringes
upon any copyright, trademark or other contractual, statutory or common law rights.
You may download and retrieve data from the Website on your computer screen, print
individual pages on paper, photocopy and store such pages in an electronic form
on disk (but not on any server or other storage device connected to a network) for
your exclusive personal use only. You further acknowledge that all the intellectual
property in the Website continues to vest with us.
Reverse engineer, decompile, disassemble, copy, reproduce, distribute, modify, transmit,
perform, reproduce, publish or create derivative works from or in any way exploit
any of the services or content in violation of the Terms and Conditions or the laws
of any country.
Create a database in electronic or structured manual form by systematically downloading
and storing all or any part of the Website save and except such information as
relates to your Policy, if you are a Customer.
Rent, lease, sell, sublicense, or lend your access to the Website.
Cache or permit caching by any person.
Do any act that violates our intellectual property in the Website.
Engage in any fraudulent, abusive or illegal activity, including but not limited
to any communication or solicitation designed or intended to fraudulently obtain
the password or any private information of any use.
Use the Website to violate the security of any computer network, crack pass words
or security encryption codes, transfer or store illegal material including threatening
or obscene material or engage in any kind of illegal activity.
Run mail list or any form of auto-responder, or spam on the Web Site or any processes
that are run or are activated while you are not logged on.
Although ICICI Lombard may, from time to time, monitor or review any facilities,
if established or otherwise offered at the Website for discussions, chats, postings,
transmissions, bulletin boards, and the like on the Website, ICICI Lombard is under
no obligation to do so and assumes no responsibility or liability arising from the
content of any such locations nor for any error, defamation, libel, slander, omission,
falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in
any information contained within such locations on the Website. You are prohibited
from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene,
scandalous, inflammatory, pornographic, or profane material or any material that
could constitute or encourage conduct that would be considered a criminal offense,
give rise to civil liability, or otherwise violate any law. ICICI Lombard will fully
cooperate with any law enforcement authorities or court order requesting or directing
ICICI Lombard to disclose the identity of anyone posting any such information or
We reserve the right to deny to you, at our sole discretion, access to the Website,
including any portion thereof, without any prior notice.
We grant you the right to access this Website in accordance with these terms and
conditions, and for no other purpose. Please note that the services and content
on the Website, including but not limited to text, content, photographs, video,
audio and graphics, are either the property of, or used with permission by, ICICI
Lombard and/or by ICICI Lombard's suppliers and may be protected by applicable copyrights,
trademarks, service marks, international treaties and/or other proprietary rights
and laws of India and other countries.The trademarks, logos, slogans and service
marks (collectively the "Trademarks") displayed on the Website, are registered
and unregistered Trademarks of ICICI Lombard and others. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise,
any license or right to use any Trademark displayed on the Website without the
written permission of ICICI Lombard or such third party that may own the Trademarks
displayed on the Website. Your misuse of the Trademarks displayed on the Website,
or any other content on the Website, except as provided in these Terms and Conditions,
is strictly prohibited. You are also advised that ICICI Lombard will aggressively
enforce its intellectual property rights to the fullest extent of the law, including
the seeking of criminal prosecution.We shall be entitled to obtain equitable relief
(including all damage, direct, indirect, consequential and exemplary), over and
above all other remedies available to us, to protect our interests therein.
Links to third party Websites
This Website may contain links to websites operated by parties other than us. These
links in this Website will let you leave www.icicilombard.com. Such links are provided
for your convenience only and ICICI Lombard does not control such websites, and
is not responsible for their content. Your use of such websites is also subject
such Website. In the event that any of the terms contained herein conflict with
terms found in the sites to which this Website has links to, and abide by them.
The linked websites are not under our control and we are not responsible for the
contents of any such linked Website or any link contained in a linked Website, advertisements
appearing in or products offered by or any changes or updates to such websites.
We are providing these links to you only as a convenience, and the inclusion of
any link does not imply endorsement by us of the linked Website.
Software Available on the Web Site
Software or information (if any) that is made available to download from this Website ("Software") is the copyrighted work of ICICI Lombard and/or its suppliers.
Your use of the Software is governed by the terms of the end user license agreement,
if any, which accompanies or is included in the Software. You may not install or
use any Software that is accompanied by or includes a License Agreement unless you
first agree to the License Agreement terms.
You agree, at your own expense, to indemnify, defend and hold harmless ICICI Lombard,
its directors and employees, representatives, suppliers and Advisors, against any
claim, suit, action or other proceeding brought against ICICI Lombard, its directors
and employees, representatives, suppliers and as by a third party, to the extent
that such claim, suit, action or other proceeding brought against ICICI Lombard,
its directors and employees, representatives, suppliers and Advisors is based on
or arises in connection with the use of this Website, or any links therein, including,
but not limited to :
Your use or someone else's use of your access to the Website.
Your use/operation or someone using/operating or conducting any transactions, where
A violation of the terms and conditions contained herein by you or anyone using
your or any other computer
A claim that any use of the Website by you or someone using your computer infringes
any Intellectual Property Right of any third party, or any right of personality
or publicity, is libelous or defamatory, or otherwise results in injury or damage
to any third party
Any deletions, additions, insertions or alterations to, or any unauthorized use
of, the Website by you or someone using your computer
Any misrepresentation or breach of representation or warranty contained herein made
by you or
Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited
to, reasonable attorneys' fees and costs awarded against or otherwise incurred by
or in connection with or arising from any such claim, suit, action or proceeding
attributable to any such claim.
Disclaimer of warranties
You expressly agree that use of the Website is at your sole risk. The Website
is provided on an "as is" and "as available" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim all warranties
of any kind, whether express or implied or statutory, including, but not limited
to the implied warranties of merchantability, fitness for a particular purpose,
data accuracy & completeness, and any warranties relating to non-infringement.
We shall not be responsible or liable for the authenticity, accuracy, completeness,
errors, omission, typographic errors, disruption, delay, interruption, failure,
deletion, defect of any information, research, reports, analysis, quotes etc in
this Website or any part thereof.
We shall not incur any liability direct or indirect, to you or any third party,
as a consequence of non-functioning of any equipment belonging to you, any third
party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Website will be uninterrupted, timely, secure,
or error free; nor do we make any warranty as to the results that may be obtained
from the Website or as to the accuracy or reliability of the content contained
We make no warranty regarding the transactions entered into through the Website.
No advice or information, whether oral or written, obtained by you from or through
the website or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information
provided in or by the Website.
We will not be liable for any virus that may enter your system as a result of you
using the website. We make no guarantees to you or third parties that the content
contained on the Website would be virus free. We will not be liable for any direct,
incidental or consequential loss, which may be caused to you as a result of your
use of the Website.
If you are dissatisfied with any portion of this website or with any of these Terms
and Conditions, your sole and exclusive remedy is to discontinue using the Website.
Use of "cookie" file features
ICICI Lombard reserves the right to store information on a user's computer in the
form of a "cookie" or similar file for purposes of modifying the website to reflect
Limitation of liability
Under no circumstances, including but not limited to negligence, shall ICICI Lombard,
its employees and directors, its suppliers and its third party Advisors be liable
to you for any direct, indirect, incidental, special or consequential damages or
any damages whatsoever including punitive or exemplary (including, but not limited
to, damages caused by any virus, personal injury, loss of profits, data or other
intangible, business interruption, loss of privacy, or any other pecuniary loss),
arising out of or in any way connected with the use/delivery/performance of this Website, with the delay or inability to use this website or any links or items
on the Website, the provision of or failure to provide services, or for any information,
software, products, services and related graphics obtained through this Website,
or otherwise arising out of the use of this Website, whether based on contract,
tort, strict liability or other wise, or for cost of procurement of substitute goods
and repair & correction services or resulting from the use of this Website
or obtained or messages received or transactions entered into through or from the Website or resulting from unauthorized access to or alteration of your transmissions
or data, even if we have been advised of the possibility of such damages.
You agree that we shall not be liable for any damages arising from interruption,
suspension or termination of the Website, including but not limited to direct,
indirect, incidental, special, consequential or exemplary damages, whether such
interruption, suspension or termination was justified or not, negligent or intentional,
inadvertent or advertent. Applicable law may not allow the limitation or exclusion
of liability or incidental or consequential damages. However, in no event shall
our liability to you for all damages, losses and causes of action (whether in contract
or tort, including but not limited to, negligence) exceed the amount paid by you,
if any, for accessing the Website.
Modification of these Terms and Conditions
ICICI Lombard has the absolute discretion to amend or supplement any of these Terms
at any time and will endeavour to give prior notice of five days for such changes
wherever feasible. The modifications to the Terms shall be displayed on the Web
site. In the case where the Customer no longer wishes to use the Website on such
new terms and conditions he/she is entitled to terminate his/her relationship in
accordance with the termination clause in these Terms. On and from the date on which
the amendment or supplement is notified by display on the Website, the Customer
shall, by virtue of these Terms and without any further act, deed or writing on
the part of any party, be deemed to have accepted the changed terms and conditions
by his further use/access or visit to the Website.
If any part of these Terms and Conditions are determined to be invalid or unenforceable
pursuant to applicable law including, but not limited to, the warranty disclaimers
and liability limitations set forth above, then the invalid or unenforceable provision
will be deemed superseded by a valid, enforceable provision that most closely matches
the intent of the original provision and the remainder of the Terms and Conditions
shall continue in effect.
Notices under these Terms may be given by ICICI Lombard and the Customer in writing
by delivering them by hand or by sending them by post to the last address given
by the Customer and in the case of ICICI Lombard to the address mentioned on the
In addition, ICICI Lombard may also publish notices of general nature, which are
applicable to all Visitors or Customers in a newspaper or on its Website. Such
notices will have the same effect as a notice served individually to each Visitor
In the case of hand delivery, cable, telex, facsimile notices or electronic communication
notices or instructions will be deemed served 7 days after posting or upon receipt
as the case may be. Documents, which may be sent by electronic communication between
the parties, may be in the form of an electronic mail, an electronic mail attachment,
or in the form of an available download from the Website. ICICI Lombard shall be
deemed to have fulfilled any legal obligation to deliver to the Customer if any
such document is sent via electronic delivery. Any instructions received from the
Customer/Visitor by means of electronic delivery or by facsimile would be deemed
to have been sent on paper.
ICICI Lombard accepts no liability whatsoever, direct or indirect for non-compliance
with the laws of any country other than that of India. The mere fact that the Website can be accessed by a Visitor or a Customer in a country other than India would
not mean that the laws of the said country would govern these Terms and/or the Website operations of the Customer and/or the use of the Website by the Visitor or
The services available on the Website are being offered only to residents of India.
Provided however, that such services are not available to foreign residents including
non-resident Indians ("NRI's") in foreign jurisdictions where the services cannot
be offered without prior regulatory compliance. It shall be the sole responsibility
of foreign residents including NRIs in foreign jurisdictions to verify whether the
services available on the Website can be accessed and utilised in their respective
jurisdictions. The services which are part of the Website do not constitute an
offer to sell or a solicitation of an offer to buy any policies/products to any
person in any jurisdiction where it is unlawful to make such an offer or solicitation.
You agree that no joint venture, partnership, employment, or agency relationship
exists between us as a result of these Terms and Conditions or use of this Website.
ICICI Lombard's performance of this agreement is subject to existing laws and legal
process, and nothing contained in this agreement is in derogation of ICICI Lombard's
right to comply with governmental, court and law enforcement requests or requirements
relating to your use of this Website or information provided to gathered by ICICI
Lombard with respect of such use.
You acknowledge that any rights not expressly granted herein are reserved.
These Terms and Conditions constitutes the entire agreement between us with respect
to this Website and it supersedes all prior or contemporaneous communications and
proposals, whether electronic, oral or written, between us with respect to this
The clause headings in these Terms and Conditions are for only for convenience and
do not affect the meaning of the relative term.
ICICI Lombard may sub-contract and employ Advisors to carry out any of its obligations
under these Terms and Conditions. ICICI Lombard may transfer or assign its rights
and obligations under this contract to any Affiliate.
ICICI Lombard shall try and ensure that all information that is provided on the Website with respect to policies / products are accurate in all respects and are
kept up to date. However, ICICI Lombard does not guarantee the timeliness, accuracy,
completeness, reliability or content of the information and any changes that are
made with respect to the same and the Visitor/Customer is required to check the
accuracy of the same with the office of ICICI Lombard.
All transactions, which cannot be carried out instantaneously, would be carried
out during working hours either on the same day or on the next working day or such
further period as may be determined and/or specified by ICICI Lombard depending
upon the time of logging of the transaction
All transactions that are carried out by and on behalf of the Customer shall be
subject to Government notifications, the rules, regulations and guidelines issued
by the Insurance Regulatory and Development Authority, the Securities and Exchange
Board of India, the Reserve Bank of India, and those of other regulatory bodies
defining rules/regulations governing the offer of any service on the Website.
If any provision or condition of these Terms shall be held to be invalid or unenforceable
by reason of any law, rule, administrative order or judicial decision by any court, info
or regulatory or self-regulatory agency or body, such invalidity or unenforceability
shall attach only to such provision or condition. The validity of the remaining
provisions and conditions shall not be affected thereby and these Terms shall be
carried out as if any such invalid or unenforceable provision or condition was not
ICICI Lombard may from time to time send by e-mail or otherwise, information relating
to products and services offered by its Affiliates, general information related
to financial and other services, life and general insurance products.
www.icicilombard.com shall be applicable.
If you have any questions you may contact us at firstname.lastname@example.org
You can also go through the Terms & Conditions before you download the Claims
forms and the Terms & Conditions before you download the Proposal forms