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Get cashless services at 3400+ network garages

Whether long journeys or tough roads, be assured of assistance when you need it. With our car insurance, you become eligible for cashless services at our 3400+ network garages across the country.


7 reasons to buy Car Insurance from ICICI Lombard

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    A dent in your car will not cause a dent in your finances

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    Get the Zero Depreciation Cover and avail coverage on replaced parts with no deduction for depreciation

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    Switch to our policy and retain existing benefits

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    Transfer your No Claim Bonus from an existing policy, if you haven’t made a claim

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    Get allowance for daily commute when your car is getting repaired

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    Our Garage Cash Cover offers you a daily allowance for each day that your car is in the garage

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    If your car breaks down, help will come your way

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    Just give us a call and be assured of Road Side Assistance to help with accommodation, minor repairs and more

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    Go on longer drives with lesser worries

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    Avail cashless services at 3400+ network garages

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    Get your policy without any delays

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    We issue instant policy online, with minimal paperwork

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    Renew your policy with ease

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    We have made online policy renewal quick, effortless and convenient

Avail transfer of No Claim Bonus (NCB)*. This benefit is valid if you haven't made any claims in your old policy. This is also valid if your previous policy was not with ICICI Lombard.

* NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available, provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in form of a written declaration or renewal notice or a letter confirming the NCB entitlement from the previous insurer. Click here to view the wordings of the written declaration.

Garage Cash Cover

  • With this cover, you get a daily allowance for each day your car is under repair in the garage
  • A total daily allowance of `500 will be provided to you as conveyance expenses while your car is in the garage
Road Side Assistance

 

With Road Side Assistance service you can avail the following benefits:

  • Flat tyre change arrangement
  • Battery jump start
  • Arrangement of spare key
  • Breakdown support over phone
  • On spot technician for minor repairs
  • Towing of vehicle to the nearest garage in case of breakdown/accident*
  • Arrangement of rental vehicle**
  • Arrangement/supply of fuel**
  • Accommodation arrangement**
  • Message relay - Facilitate passing on urgent messages to relatives/colleagues as needed during emergency

* Free up to first 50 km from breakdown spot, beyond which it is chargeable at actual.

** Actual cost to be borne by the insured. Arrangement is free.

For more details on risk factors, terms, coverages and exclusions, please read the sales brochure carefully before concluding a sale. Terms and conditions apply 

  • You can avail of doorstep surveyor facility in case of break in insurance
  • If your vehicle breaks down or gets into an unfortunate accident, we offer you towing assistance
  • Your car insurance policy lets you opt for a voluntary deductible if the amount you opt for is over and above the compulsive deductible. Your final claim amount will be calculated after deduction of depreciation on parts, voluntary deductible and compulsory deductible as per the Indian Motor Tariff
  • In case you are a member of Automobile Associations, you can get a discount of upto 5%**
  • Coverage against third party liabilities is also included in your package car insurance policy
  • Enjoy upto 2.5% discount if your car is secured by an Automobile Research Association of India (ARAI) approved anti-theft device
  • Just give us a call and be assured of Road Side Assistance to help with accommodation, minor repairs and more
  • Avail cashless services at 3500+ network garages
  • We issue instant policy online, with minimal paperwork
  • We have made online policy renewal quick, effortless and convenient
  • Get the Zero Depreciation Cover and avail coverage on replaced parts with no deduction for depreciation
  • Transfer your No Claim Bonus from an existing policy, if you haven’t made a claim
  • Our Garage Cash Cover offers you a daily allowance for each day that your car is in the garage

NOTE:

** Valid on Own Damage Premium and subject to a maximum of `200.
***This service is offered by the banks and ICICI Lombard General Insurance Company Ltd. holds no responsibility or owes no liability in case of this facility provided by the banks to its customers.

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How to Claim Compensation under Third Party Motor Insurance

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Hum Kaise Maan Lein

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How to do mobile self-inspection for your car?

Once you pay for a break-in insurance policy, you can either ask the insurer to inspect the vehicle or choose to inspect it yourself on our insure mobile app.

See More

Understand Car insurance policy coverage

What is covered under your car insurance policy: Inclusions

  • Loss or damage to your vehicle against natural calamities - Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Loss or damage to your vehicle against man-made calamities - Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Personal Accident Cover - Coverage of ` 15 lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers are also available.
  • Third Party Legal Liability - Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

To understand exactly what all your car insurance policy covers, and be in a much better position to benefit from it, read your Policy Wordings carefully.

What is not covered under your car insurance policy: Exclusions

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/ electrical breakdown
  • Loss/ damage due to war, mutiny or nuclear risk
Read More

It’s always a good idea to be aware of what is excluded from your policy, so that you are not disappointed by extra expenses later. So make sure you go through the Car Insurance Policy Wordings carefully.

Car Insurance
Private Car Package Policy
IRDAN115P0017V01200102
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Check the sum insured offered by your car insurance policy

Each car is insured at a fixed value which is termed as the Insured’s Declared Value (IDV). This sum insured is calculated on the basis of a number of factors. Here’s how it works:

  • IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle plus the listed price of any accessories after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
  • If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer's listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.

  • In case of vehicles fitted with bi-fuel system such as ​petrol/​diesel and CNG/LPG, permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form.

Explore our simple & hassle-free car insurance claim process

Once you report a claim to us, you can avail a host of benefits:

In case of an unfortunate accident / breakdown, be assured of complete assistance from us to get back on the road, as early as possible.

The first thing you need to do is call our toll free number 1800 2666, and then leave the rest to us.

  • Cashless repair across a wide network of garages to ensure a smooth ride
  • Free pick-up, towing facility and wash benefit at selected garages
  • Loss Assessment Survey of vehicle within 4 hours by dedicated ​Relationship Manager*
  • 6 months quality assurance on all repairs**
  • If the vehicle is serviced in a garage outside the purview of our network, then you can claim reimbursement for the same

*Applicable on claims intimated before 2 PM and not applicable on Sundays and National Holidays
**Subject to maximum usage upto 6,000 km, post such repairs

Click here to view our wide network of garages

In case of an accident, make sure you follow these steps

  • Note the number of the other vehicle involved in the accident, if any
  • Note down the names and contact details of witnesses, if any
  • Contact our toll free number 1800 2666 and get your claim number / reference number
  • The Call Centre Representative will provide you with the details of the documents required for claim processing and also details of our preferred cashless garage
  • File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages

Here’s what happens after you have registered your claim

  • Our Customer Service Manager (C​SM) will contact you within 24 hours of registering the claim
  • You will then need to submit all the required documents to the dealer / C​SM and get them verified with the originals
  • Our C​SM will then get an estimate for the repairs of your vehicle and give spot approval after assessment
  • Payments that need to be borne by us at our preferred garage will be made directly to the garage on completion of the repairs
  • Our C​SM will inform you in case any balance amount has to be paid by you as per the policy terms and conditions

To make your claim settlement process faster and simpler, follow this checklist of documents

Documents Required for Accident Claims

  • Claim Form duly signed*
  • RC copy of the vehicle
  • Driving License copy
  • Policy copy (First two pages)
  • FIR on a case-to-case basis
  • Original Estimate
  • Original Repair Invoice and Payment Receipt (for cashless garage, only repair invoice)
  • Documents required as per AML guidelines

*Stamp required in case of company registered vehicle

Documents Required for Theft Claims

  • Claim Form duly signed*
  • RC copy of the vehicle with all original keys
  • Driving License copy
  • Policy copy
  • Original FIR copy
  • Original Estimate
  • RTO transfer papers duly signed along with Form 28, 29, 30 and Form 35 (if hypothecated). Form 28 is needed in triplicate, Form 29 and 30 are needed in duplicate.
  • Final report – A No Trace report from the police saying that the vehicle cannot be located

*Stamp required in case of company registered vehicle

Documents Required for Third Party Claims

  • Claim Form duly signed*
  • Police FIR copy
  • Driving License copy
  • Policy copy (First two pages)
  • RC copy of the vehicle

*Stamp required in case of company registered vehicle

Further documents may be required depending on the claim

Common queries about Car Insurance (FAQs)

  • GENERAL
  • COVER
  • PREMIUM
  • CLAIMS
  • POLICY

Which are the services provided by ICICI Lombard under Road Side Assistance (RSA)? *

We offer the following services under Road Side Assistance

  • Breakdown support over phone
  • Minor Repairs
  • Flat Tyre
  • Battery jump start
  • Arrangement of keys
  • Towing on breakdown/accident
  • Arrangement of rental vehicle
  • Arrangement/ Supply of fuel
  • Arrangement of Accommodation
  • Message Relay

Note: For details kindly refer Policy Wordings of your private car ​insurance plan.
*For list of services applicable in a policy, please refer policy schedule.

Can I renew my car insurance policy online?

yes,you can renew your car insurance policy online, starting 60 days before expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission of the required documents.

What are the exclusions under RSA cover?

Services for Road Side Assistance will not be provided in the below mention scenarios-

  • Providing the above mentioned services under conditions of earthquake, war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s) of government(s)/government agencies/judicial/quasi-judicial authorities.
  • Any claims where your vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations
  • Any claim where your vehicle can safely be transferred on its own power to the nearest garage/workshop
  • Any claims triggered by theft; any kind of consequential losses
  • Any loss which is covered under any other insurance policy or manufacturer’s warranty or recall campaign or under any other such packages at the same time
  • Any expenses for supply or replacement of parts/consumables
  • Any loss/damage caused to your vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual
  • Any claims where services have been availed of without the prior consent of the Company

Does ICICI Lombard General Insurance Company only provide services in times of car breakdown or does it pay for the other expenses too?

ICICI Lombard General Insurance Company only provides assistance. Additional costs incurred for purchase of car parts, fuel, taxi fare etc. are to be borne by the customer.

Is Roadside Assistance service available 24x7?

Yes, Roadside Assistance service is available 24 x7.

What is Car Insurance?

Car insurance (also known as auto insurance) is an insurance cover that a car owner takes to protect his car from defined risks arising out of unforeseen circumstances. The policy, when taken, covers the vehicle for a specified period of time. The premium needs to be paid in advance in order to keep the policy coverage active and is influenced by many factors, some of them are: value of the car, classification of vehicle and scope of coverage among others.

Car insurance acts as a protective blanket in the unfortunate event of an accident. Depending on the plan purchased, the insurer can take care of the damages caused to the insured’s vehicle. Insurance cover can protect the insured from any legal liabilities and also damages arising out of natural calamities and theft.

What are the benefits of buying Car Insurance Online?

Buying car insurance online has many benefits. Some of them are listed below:
  1. • Easy and convenient: The entire process is online and accessible with just a click of the button.
  2. • Saves time: No need to step out of the house and travel to meet the insurance agent.
  3. • Discounts: Buying online directly from the insurer allows additional discounts
  4. • Freedom: Opting for a policy online allows you the freedom to choose the policy that best suits you (the customer).
  5. • Better Service: Trained professionals and experts are available online to answer any queries that the customer may have. After buying the policy, if a premium payment is missed, then a reminder is sent to the email or via a phone call.

Why do you need Car Insurance?

India is home to some of the most congested roads in the world. Its cities are full of bumper-to-bumper traffic. India ranks among countries that have the highest number of accidents on a yearly basis; fatalities on the roads are also among the highest.

Probability for motorists to accidentally hit another vehicle is very high, leading to either minor or major expenses. Additionally, it is mandatory by law to have third-party insurance. Among the two types of car insurance in India, the third-party car insurance serves to protect the insured from claims arising from a third party, when the insured’s vehicle is at fault. This cover will pay for any fiscal liability and will also take care of any legal repercussions that arise out of the accident.

The other type of insurance is comprehensive insurance cover. This type of coverage includes third-party insurance and also offers protection from expenses that are incurred due to repairs stemming from damage of the insured’s own car.

How to buy a Car Insurance Policy?

Online
  1. • Log on to ICICI Lombard website
  2. • Select the motor insurance tab and click on buy new insurance policy
  3. • Enter mobile number and email address
  4. • Click on get quote option
  5. • Fill in the details and proceed to get an insurance quote
  6. • If satisfied with the quote, click on ‘buy now’ option
  7. • The payment page will open
  8. • Proceed to make the payment through net banking/credit card or debit card
  9. • The insurance policy will be emailed immediately
Offline
  1. • Go to the nearest ICICI Lombard branch
  2. • Fill the insurance proposal form
  3. • Cross-check the details entered
  4. • Submit the duly filled form along with required documents
  5. • Make payment via cheque or demand draft
  6. • After inspection is complete, the policy papers will be mailed to the customer

How to renew a lapsed Car insurance policy?

A lapsed car insurance policy can be renewed by taking the following steps.
  1. • Contact the insurance company
  2. • Take an appointment for vehicle survey
  3. • Ready previous policy papers and the vehicle history
  4. • Log on to ICICI Lombard’s website
  5. • Click on online renewal option
  6. • Populate the fields with required details
  7. • Verify the details entered
  8. • Make payment through online payment options
  9. • Instantly receive policy documents through email
The policy issuance for a lapsed policy is contingent upon satisfactory inspection of the vehicle by the surveyor and submission of required documents. ICICI Lombard’s Insure app also allows the customer to do a self-inspection thorough their mobile phones by uploading a video of their car, shot as per underwriting guidelines.
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What is Garage Cash Plan?

For Partial Loss- : If your vehicle is under repair after an accident, a fixed daily allowance will be paid for the number of days the vehicle will be in authorised garage for repair or number of days as mentioned in the schedule, whichever is lesser.

In the event of Total Loss/Constructive Total Loss of your vehicle, a lump sum amount as mentioned in the schedule shall be paid.

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*What is the duration of days covered under Garage Cash Cover?

The duration for which the company will be liable for claim in respect of this add-on will be considered from the day after the insured vehicle is delivered to the garage till the day immediately preceding the date of discharge or date of invoice for such repair as prepared by the garage, whichever is earlier.

*As per the plan opted

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What are the events covered in ICICI Lombard Motor Insurance policy?

Our policy is a comprehensive vehicle insurance plan, which offers you coverage for:

  • Any Loss or damage to your vehicle
  • Third Party Liability
  • Any permanent injury / death to a person caused by your insured vehicle
  • Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your vehicle
  • A Personal Accident Cover for the owner-driver of the vehicle while he is driving

In case of loss or damage to the vehicle or the accessories insured, we cover your expenses if the accident occurs due to the following hazards:

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Riot and strike
  • Earthquake (fire and shock damage)
  • Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accident by external means
  • Malicious act
  • Terrorist activity
  • Whilst in transit by road, rail, inland-waterway, lift, elevator or air
  • Landslide and rockslide
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What are the types of events or losses not covered under this policy?

The following events or losses are not covered in this policy:
• Mechanical/ Electrical breakdown
• Wear and tear, ageing of vehicle
• Consequential loss*
• Depreciation
• Deliberate accidental loss
• Intoxicated driving
• Any contractual liability
• Damage to/ by a person driving any vehicles or cars without a valid license

* Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his vehicle met with a road accident resulting in damages to vehicle and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approx `15 Lakhs. Damages to vehicle due to the accident are covered however, but the loss of `15 Lakhs is consequential and hence not covered.

For details, kindly refer to the Car Insurance Policy Wordings.

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What is Third Party Liability cover? Is it covered?

Third Party Liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party insurance covers the following losses:

• Any permanent injury / death to a person caused by your insured vehicle
• Any damage caused to the property (excluding vehicle) of some other individual by your insured vehicle

Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered up to `7.5 Lakhs in case of Private Car and `1 Lakh in case of Two-wheeler.

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How is the value of the vehicle (IDV - Insured Declare Value) determined?

The IDV of the vehicle is to be fixed based on the manufacturer's listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation.

The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer's listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

Schedule of Depreciation for arriving at IDV
Age of the Vehicle
% of Depreciation fixing IDV
Not exceeding 6 months
5%
Exceeding 6 months but not exceeding 1 year
15%
Exceeding 1 year but not exceeding 2 years
20%
Exceeding 2 years but not exceeding 3 years
30%
Exceeding 3 years but not exceeding 4 years
40%
Exceeding 4 years but not exceeding 5 years
50%
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Are there any Additional Covers we get Along with Car Insurance?

Yes, there are many additional covers that can be opted for along with car insurance. They offer better coverage and provide enhanced protection during various unfortunate scenarios.
  1. • Personal Accident Cover of Owner Driver and for Passengers – This cover provides compensation to the driver and passenger for physical injuries. Major and minor accidents, both are covered in this add-on. – PA cover for owner driver is mandatory
  2. • Engine Cover – This cover protects the car’s engine from engine damages, such as those caused by flooding and leakage of lubricants
  3. • Zero Depreciation Cover – This cover allows the insured to claim the full amount for replacement of damaged parts in the 1st two claims in each policy period. It takes out the depreciation factor from the calculations and is suitable for cars that are less than three-years old.
  4. • Return to Invoice Cover – If the car is declared a total loss after the accident, this cover will make sure that the owner gets 100% reimbursement of the car value.
  5. • Roadside Assistance Cover – This cover provides you with breakdown services for a nominal rise in premium.
  6. • Consumable Cover – This add-on covers the car’s consumables and protects the insured from expenses arising out of any damage or loss to them.
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What is ARAI?

ARAI stands for Automotive Research Association of India. If you have installed an ARAI approved anti-theft device in your vehicle, whose installation is dully certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium, subject to a maximum of ` 500.

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What are the factors affecting the premium amount?

The premium payable for your vehicle depends on the following factors:

  • Cubic capacity of the engine
  • Age of vehicle
  • Geographical Zone
  • Type of Model
  • IDV (Insured declared Value)
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    What are the different modes of payment on icicilombard.com?

    You can choose between 6 payment options to pay your premium online:

    • Credit Card – Make secure premium payment with your VISA, Master and AMEX card.
    • Net Banking –Transfer the premium amount online through ICICI Bank and 13 other selected Banks
    • Debit Card – Just enter your Citibank, HDFC Bank, ICICI Bank or any of the other 7 approved bank’s Debit Card details to pay your insurance premium directly
    • Cash Card – Use your Done or ITZ Card to make the payment online
    • Cheque/ Demand Draft – You can send a Cheque/ Demand Draft by courier to our office address
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    Can I ask for some advance in case the repair charges are very high?

    We offer cashless claim services where the repair charges are directly paid to the garage, if your vehicle is repaired in a network garage. However, if the vehicle is repaired in a garage not falling in our network, you have to pay the repairing charges to the garage and we will reimburse the amount to you, as per our non-cashless claim services.

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    What is Cashless Claim and Non-cashless/ Reimbursement claim?

    Cashless Claim : In cashless claim facility, the repair charges of the vehicle are directly paid to the garage by us, provided the vehicle is repaired in our garage network.

    Non-cashless/ Reimbursement : If the vehicle is repaired in a garage outside the purview of our network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

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    How do I register my claim?

    Contact our Toll Free Helpline 1800 2666 to register your claim and get a claim number/ reference number. You can also directly register your claim online*, with our Lodge A Motor Claim service.

    * Please note that as of now, only accidental damage claims can be processed through the 'Lodge A Motor Claim' interface

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    When should I report to the police?

    Incidents such as ‘Third Party Property Damage’, ‘Bodily Injury to Self or Third Party’ or ‘Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred.
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    What is the claim procedure adopted by the company for settlements?

    ICICI Lombard adopts the following process for settlement of claim:

    For Cashless claim settlement -
    • The Customer Relationship Manager (C​RM) / Surveyor attends the claim within 24 hours of registering the claim
    • Insured must fill the claim form, (click here to download it or collect it from the C​RM/ Surveyor/ Dealer) and submit all the required documents to the C​RM/ Surveyor/ Dealer
    • Our C​RM will get the estimate for the repairs of insured vehicle and give spot approval after assessment
    • After the completion of repairs at our preferred garage, we will make the payment of our share of the loss directly to the garage. Any amount over and above the admissible amount will have to be directly paid by the Insured
    • The amount of Depreciation as per the rate prescribed under the Indian Motor Tariff and Compulsory Deductions under the policy need to be borne by the Insured

    For Non-cashless/ Reimbursement claim settlement -
    • The Customer Relationship Manager (C​RM) / Surveyor attends the claim within 24 hours of registering the claim
    • Insured must fill the claim form (click here to download it or collect it from C​RM/ Surveyor/ Dealer) and submit all the required documents to the C​RM/ Surveyor/ Dealer
    • The C​RM/ Surveyor assess the loss, estimates the repair amount and then informs the Insured on the same day of assessment. The C​RM/ Surveyor will also take photographs of the damaged vehicle
    • Insured can then get the vehicle repaired at preferred workshop/ garage. The C​RM later carries out a re-inspection of the vehicle. The Insured then pays the workshop/ garage as per the C​RM/ Surveyor’s assessed estimation, who thereafter releases a ‘Proof of Release’ document. (The proof of release is an authenticated document signed by the insured to release his vehicle from the garage after it is checked and repaired)
    • Insured needs to submit the original bill, proof of release and cash receipt (derived from the garage) to the C​RM/ Surveyor
    • The C​RM/ Surveyor then submits all required documents to ICICI Lombard for settlement of the claim
    • Upon acceptance of the claim, the company issues the cheque to the Insured within seven working days from the date of receipt of all documents
    • The amount of Depreciation as per the rate prescribed under the Indian Motor Tariff and Compulsory Deductions under the policy need to be borne by the Insured

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    Documents required for Car Insurance Claims

    The documents required for filing a car insurance claim are as follows.
    1. • Original Claim form
    2. • Registration certificate (In case of a new vehicle which is less than 3 months old and registration certificate is not available, tax receipts and vehicle purchase invoice are collected)
    3. • Driving license of the person driving the vehicle at the time of accident
    4. • Copy of Policy
    5. • Copy of Aadhaar Card & Pan Card/Form 60
    6. • FIR or Police report (depending on loss type)
    7. • Garage Estimate
    8. • Repair invoice
    9. • Cancelled cheque ( In case of non-cashless settlement)
    Further, documents depending on the type of settlement might be required.
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    How to claim a Car insurance policy?

    When filing a claim for the car insurance policy, the following steps will be required:
    1. • Note the number of the other vehicle involved in the accident, if any.
    2. • Note down the names and contact details of witnesses, if any.
    3. • Report the claim immediately on our toll free number 1800 2666 or by using our Insure application and get your claim number / reference number.
    4. • The Call Centre Representative/application will provide you with the details of the documents required for claim processing and also details of our preferred cashless garage.
    5. • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
    6. • Take the vehicle immediately to the suggested garage in case you wish to have cashless claim settlement
    7. • Our Customer Service Manager (CSM) will contact you within 24 hours of registering the claim.
    8. • Submit all the required documents to the dealer / CSM and get them verified with the originals.
    9. • Our CSM will get the estimate for the repairs of your vehicle and will provide approval for repairs after assessment.
    10. • Payments that need to borne by us at our preferred garage will be made directly to the garage on completion of the repairs. ICICI Lombard will reimburse the approved claim amount directly to the customer in case of repairs at other garage.
    11. • Our CSM will inform you about the balance amount that has to be paid by you as per policy terms and conditions.
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    What is a non-premium bearing endorsement?

    A non-premium bearing endorsement is the endorsement for which you are not charged any additional premium. For example, Rectification in your contact details, Rectification in engine/ chassis number, Addition of hypothecation, etc.

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    What is a premium bearing endorsement?

    A premium bearing endorsement is the endorsement for which additional premium is charged. For example, Transfer of ownership, Addition of LPG/ CNG kit, Change of RTO location, etc.

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    How do I take a print of my policy?

    In case you have purchased your policy online through icicilombard.com then you can print your policy from the ‘My policy’ section of your 'My Insurance Account' by logging in with your Registered Email ID and Password. Alternatively, you can just click here to take a print of your policy. In case you have purchased your policy through our Branch/Agent, then you need to click here to search your policy, create your 'My Insurance Account', and then take a print out of your policy.

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    What is an endorsement?

    An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will charged as applicable.

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    What are the documents required to cancel the policy?

    The documents required to cancel the policy by the customers are as follows
    • Customer Request Letter
    • Alternate policy proof (TP / Comprehensive)
    • Original Policy Copy
    • Sale Proof of the vehicle or Sale deed/Form 29&30 along with RTO acknowledgement. (in case of vehicle sold)
    • NOC from financer if the vehicle is seized by the financer

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    Steps to renew my Car Insurance

    There are two ways car insurance can be renewed: Online and offline. Here we will state the steps for both.
      Online
    1. • Log on to the ICICI Lombard website
    2. • Click on the “Renew Policy” tab
    3. • Select Motor Insurance for renewal
    4. • Mention policy number and chassis number
    5. • Review entered details
    6. • Make the payment online
    7. • Save the renewed policy document and take out a physical copy
    Offline
    1. • Visit the nearest ICICI Lombard branch
    2. • Enter necessary details in the policy renewal form
    3. • Verify the details entered
    4. • Submit the duly filled form
    5. • Make payment in the form of cheque or Demand Draft
    6. • Collect the policy renewal document
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    Can I cancel my Car Insurance Policy? If Yes, how?

    If a customer wants to cancel a car/motor Insurance policy, he/she would need to submit the following documents.
    1. • Cancellation request from customer
    2. • Proof of alternate policy
    3. • If vehicle sold, the proof of sale/sale deed or Form 29 & 30 with RTO acknowledgement
    Read All FAQs

    Car Insurance Reviews and Ratings

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    921 reviews

    Write a review
    1. Biplab Bhattarai | Nov 28, 2018
      5
      I found it incredibly easy to purchase car insurance from ICICI Lombard, especially with the assistance of the customer care team. The executive I spoke with was polite and made the effort to explain all the features and benefits, including the importance of road side assistance.
    2. Satishchandra Shenoy | Nov 27, 2018
      5
      While renewing my car insurance policy online with ICICI Lombard, I was put in touch with a great customer care executive over the phone. He was patient and helpful and took the time to explain the various features of the plan, including the Zero Depreciation Cover add-on.
    3. Sanjay G. Sapate | Nov 26, 2018
      5
      I got all the necessary information I required to purchase car insurance from the ICICI Lombard customer care employee. She was very professional in her approach and interacted cordially and nicely.
    4. Yazdi Sohrabjee Zaiwalla | Nov 25, 2018
      4
      The response I received from ICICI Lombard's customer care team was truly overwhelming. The insurance advisor I spoke with perfectly explained everything I needed to know about the car insurance policy, right from the extent of the cashless garage network to the add-ons I might require. Wonderful experience.
    5. Lawrance Antony | Nov 24, 2018
      5
      The customer care executive was very adept at providing all the details of the car insurance policy. He made the effort to follow up with me and ensure that I purchased the right policy and got the documents. Really good work. Thanks for all the support.
    6. Valayapathy | Nov 23, 2018
      4
      I have a lot of respect for the ICICI Lombard customer executive whom I spoke with. He was very patient, and explained every aspect of the car insurance policy in great detail, especially the daily allowance feature for when the car is in the garage. Great job!
    7. Tushar Hawal | Nov 22, 2018
      5
      The agent I spoke with was very patient and kind. She spent a good amount of time explaining the policy benefits to me, including the Zero Depreciation Cover in car insurance. Excellent service.
    8. Prakash | Nov 21, 2018
      4
      Thank you, ICICI Lombard. The customer care representative I spoke to was very patient. He took the time to answer all my queries and explain the car policy details. I really appreciate the gesture. Fabulous experience.
    9. Oscar Kale | Nov 20, 2018
      5
      ICICI Lombard's customer service team is excellent. The individual I spoke to was incredibly supportive, skilled, and very knowledgeable. He explained the product to me in great detail, and helped me finalize the right kind of car insurance policy for my needs.
    10. Syed | Nov 19, 2018
      5
      The response I received from ICICI Lombard's customer care team was nothing short of amazing! The executive carefully explained all the features of the 4 wheeler policy, stressing on the need for Road Side Assistance. Great job!
    11. Barde Sadaf | Nov 18, 2018
      4
      I am very impressed with the kind of service I received from ICICI Lombard's customer care team. They made purchasing car insurance very easy. I hope that they can keep up the good work.
    12. Joy Biswas | Nov 17, 2018
      4
      The renewal process was very simple. The customer care executive took the initiative to follow up with me. He continuously checked if I needed any assistance and waited to hear that I had received the my car policy. I really appreciate the effort put in.
    13. Monika | Nov 16, 2018
      4
      Excellent experience with your executive, who assisted me from the beginning until the very end. I was wondering if he could answer some of my doubts regarding health insurance, and even though it was not his field of expertise, he still assisted me as well as he could. Thanks a lot, friend.
    14. Sujagya Das Sharma | Nov 15, 2018
      4
      Very happy with the service rendered to me. There were some issues related with my car insurance policy that needed to be resolved and I am very happy to say that they were all taken care of in the most efficient manner possible.
    15. Md Musheeroddin | Nov 14, 2018
      5
      After my one-on-one conversation with your customer care employee about car insurance, I can confidently say that I am never leaving ICICI Lombard. If all your employees are so amazing and helpful, why would anyone want to? All I can say now is, thank you very much.
    16. Amarnath Singha | Nov 13, 2018
      4
      Your representative was helpful and efficient. She guided me though the process and helped me complete the transaction. She tried to cross-sell another product as well, but politely. She explained all the features and benefits of the other policy, and even though I didn't go for it, it genuinely caught my interest. Great work.
    17. Amar Gupta | Nov 12, 2018
      5
      I would like to convey my regards to your agent who recently updated me regarding the car insurance renewal that was soon going to expire. I am so happy as I was going to make a trip soon, which would not have been possible without your team's prompt service. So, thanks a lot once again.
    18. Abhijit Dave | Nov 11, 2018
      4
      Your employee was really great in telling me all about the car insurance policy. The thing I loved most was that his calm and helpful demeanor. He spoke to me until I understood every detail of the plan. I was so impressed that I recommended him to a friend of mine the same day for his policy renewal.
    19. Rahul Bhargava | Nov 10, 2018
      5
      I had called ICICI Lombard to ask a few questions regarding my car insurance and to understand which plan would suit me the best. And I'm glad I did, because within minutes all my queries were answered and I purchased the policy right away.
    20. Mohammad Haseeb | Nov 09, 2018
      5
      My car insurance policy had expired, but with the assistance from team ICICI Lombard, I was able to renew it with ease. I am so grateful to them for their help and also really happy with their agent who was constantly in touch and made sure I could complete the process as promptly as possible.
    21. Robin Rajan | Nov 08, 2018
      4
      This is the first time I have bought insurance from your company, and I must say that I am very happy with your service and amazing plans. Your customer service associate helped me through every step with patience and proficiency.
    22. Tridivesh Singh | Nov 07, 2018
      4
      The entire process of my 4 wheeler insurance policy with ICICI Lombard was lightning-quick and amazing. I am really impressed by this great experience. You services are top-notch and worth recommending to my peers.
    23. Lazar | Nov 05, 2018
      4
      I am more than happy after selecting ICICI Lombard as my car insurance provider. The car insurance policy was very easy to obtain and one of its main benefits includes roadside assistance.
    24. Jitendra Kumar Sharma | Nov 04, 2018
      5
      Other companies should learn about customer service from ICICI Lombard. Their customer-focused approach is extremely helpful and the information provided is direct and non-misleading. I have decided on their online car insurance plan as they provide roadside assistance, accommodation, and repair fees in case your car breaks down.
    25. Ieshan Sharma | Nov 03, 2018
      5
      This was my first experience with ICICI Lombard, and I must say that they have managed to impress me. The proficient customer care agent helped me completely understand my car policy. The plan offers fluidity with regards to accident coverage for co-passengers.
    26. Ranbir Singh | Nov 02, 2018
      4
      I contacted ICICI Lombard for my four wheeler insurance and the agent was extremely patient and understanding. She made me feel comfortable on the call and her English was very fluent. My car insurance plan is also great as it offers protection from legal liability due to accidental damages.
    27. Girish Balram Taunk | Nov 01, 2018
      4
      I would definitely recommend ICICI Lombard in the future because of their top-quality services. The car insurance provided by them gives reimbursement if your vehicle is serviced in a garage with whom they have no networks. Apart from this, this policy offers many benefits that other providers don’t.
    28. K.V. Sachin | Oct 31, 2018
      5
      The ICICI Lombard salesperson with whom I interacted provided top-notch assistance and was very friendly. The hallmark of the car insurance is the free pick-up and towing services that are provided.
    29. Ashish Tuteja | Oct 30, 2018
      4
      The customer care executive that I interacted with did an excellent job and was extremely helpful. He explained to me all the benefits of this 4 wheeler insurance policy, the best one being the cashless repair service provided by many network garages. Keep up the good work.
    30. Vivek Dave | Oct 29, 2018
      4
      Your executive was a delight to speak with. He was articulate and seemed to have all the right answers. I am so happy with the fact that you guys never disappoint your customers. Thank you for being so amazing, ICICI Lombard.
    31. Praveen Singh Pukhrambam | Oct 28, 2018
      4
      Your executive spent more than 1 hour on the call with me and patiently explained all the details about car insurance and its benefits. He noted my new address and even helped me renew my two wheeler insurance. I would highly recommend ICICI Lombard to everyone.
    32. Sanjeev Garg | Oct 27, 2018
      5
      Your sales executive had complete knowledge of the product. She was honest, professional, and very soft spoken. During my discussion, I never had a feeling that somebody was misguiding me to sell the product. I would like to wish her all the best.
    33. Soumitra Chatterjee | Oct 26, 2018
      4
      ICICI Lombard is one of the few companies in India that has been so consistent in its performance. They care about their customers' problems and try their level best to resolve it at the earliest. I am happy to be a part of this company.
    34. Saurabh Gupta | Oct 25, 2018
      5
      Your customer service agent had excellent knowledge about the product and helped me renew my policy in a jiffy. This is the kind of service I truly love and appreciate. Thank you.
    35. Nikhil Kambli | Oct 24, 2018
      5
      I was helped by your agent over the phone. She helped me through every step and guided me very well throughout the process. She made it very easy for me to complete the transaction.
    36. Devendra Pal | Oct 23, 2018
      4
      The agent I spoke with was extremely patient and cooperative. He made me feel really comfortable and even answered some of my complex questions with ease. He is surely an asset to the team and the company. I wish him all the best for the future.
    37. K.N. Phanindra | Oct 22, 2018
      5
      The executive I spoke with was very good at his job. Not only did he help me with my queries, but he also gave me the best quote for the policy. I am truly impressed with your service.
    38. Ganesh Jadhav | Oct 21, 2018
      4
      I contacted ICICI Lombard to renew my car insurance. It was urgent, so I was panicking a little. But your advisor handled the whole process calmly and helped me relax. I was not well-versed with the online procedure, so he walked me through each step and stayed on the call until I was able to complete the whole task.
    39. Vikash Kumar | Oct 20, 2018
      4
      I was lucky enough to speak with a very patient executive while hoping to purchase car insurance. He was patient all through our discussion, answering my queries and clearing my doubts. He also helped me buy the policy. I'm very happy.
    40. Anil Kumar Joshi | Oct 19, 2018
      5
      ICICI Lombard's customer care executives are awesome. They can convince you that you need to buy a policy without it sounding like a sales pitch. I bought the car insurance, and so far I'm very happy with what I've got. Keep up the good work.
    41. Ananth B.V. | Oct 18, 2018
      4
      The process to buy car insurance from ICICI Lombard was as smooth as driving around in a brand new car. The customer service employee was very helpful and guided me through the purchasing process.
    42. Mandar Pachpore | Oct 17, 2018
      4
      While purchasing car insurance from ICICI Lombard, I happened to speak with a very helpful executive. He was super efficient and provided me with a number of alternatives as required. He was cordial through the interaction and even gave me a discount. It's nice to have such a personal touch.
    43. Danielle Noonan | Oct 16, 2018
      5
      Words cannot even begin to express how thrilled I am with the service I received. I purchased car insurance from ICICI Lombard and was able to get all my queries answered quickly, especially with regards to features like third party liability and personal accident cover. Excellent service from the entire team!
    44. Anusha V. | Oct 15, 2018
      4
      The support I received from the customer support executive was excellent. She answered all my queries and then helped me pick the insurance package that suited my needs. Thanks for all the help. Please keep up the good work.
    45. Anil Bakht | Oct 14, 2018
      5
      I don't think I've ever received such excellent support over a call before. All my queries pertaining to the benefits of the car insurance policy were explained in great detail, which convinced me that I made the right decision in selecting ICICI Lombard.
    46. Mohamed Reshal M.T. | Oct 13, 2018
      4
      I am glad to report that the customer care employee I spoke with gave me an in-depth description of the car insurance policy I was interested in. He then took it upon himself to follow up with me until the policy was issued and delivered. Excellent service!
    47. Avish Aradhya | Oct 11, 2018
      4
      While getting my car insurance policy from ICICI Lombard, I had the good fortune to speak with one of their customer service executives. She was very polite and guided me in selecting the correct policy for my needs. She also took the initiative to follow up until the policy was issued. A super experience!
    48. Prakash R. | Oct 10, 2018
      5
      I was looking for a good car insurance policy, and I was put in touch with ICICI Lombard's customer care team. The representative concerned explained the policy to me in great detail and convinced me that it was the right fit for my needs. Thanks!
    49. Mehul Patel | Oct 09, 2018
      4
      I was put in touch with a particularly patient and well-informed agent when I contacted ICICI Lombard's customer support for help with my car insurance. The employee I spoke with was polite and guided me through the entire process.
    50. K.B. Thakur | Oct 08, 2018
      4
      I've been a customer of ICICI Lombard for the last 6 years, and I'm absolutely thrilled with the service. The customer service employees are very helpful and my car insurance claims are settled very quickly. I highly recommend their products.
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      “ICICI Lombard’s online booking experience is very seamless, especially if one is renewing the motor policy it is the most hassle-free ... ”

      Sameer Bagul - EVP & Head Finance, Cleartrip Pvt. Ltd

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      “I had bad experience with my current insurance company, so I wanted to change my insurance company. After searching on several websites and ... ”

      Rajesh Kumar – Bangalore – Technical Lead

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      “Your sales representative is the best salesman I have ever encountered. My dad was in sales for P&G for 30 years, so I know that Sales i... ”

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      “Quick service from staff. Polite and patience in communications.Good guidance.As a senior citizen what else I require. My small settlement w... ”

      Viswanadha Sobhanadri - Hyderabad - Editor & Publisher, Vedamataram

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      “I have been a customer to ICICI Lombard General (Motor) Insurance for the last 5-6 years. I have two 4-wheelers and both are insured with IC... ”

      Diptesh Narayan Ray -Businessman - Pune

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      “Recently I renewed my Car Insurance, since I am out of country for 5 months I asked my brother staying in Naroda, Ahmedabad to complete the ... ”

      Dhananjay Joshi -IT Professional- Gandhinagar

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      “Happy with your service. I wanted to know about Roadside Assistance Features and found all the information on the website. I even called the... ”

      Tushar - Thane - Associate, Altisource

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      “Two main and important things I would like to highly appreciate. First, buying Insurance Online is "Super Experience" and in case you are fi... ”

      Tarak Desai - Bangalore - Associate Group Manager, SLK Software Services

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      “Very Satisfied with current insurance claim. Timely delivery and accurate costing is that I liked. ”

      Umesh Bej - Navi Mumbai - Financial Controller, Videojet Technologies (i) Pvt. ltd

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      “Buying Car insurance from icicilombard.com was a great experience as it offered 3 plans to choose from with different add-on covers and all ... ”

      Sandeep Gupta - Senior Brand Manager – Dettol India Gurgaon

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      “Renewing my car insurance from www.icicilombard.com was really great experience. It just took me 5 minutes to complete transaction. The over... ”

      Mohit - Finance Professional Mumbai

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      “Buying ICICI Lombard car insurance is a great insurance. It just took me 5 minutes to buy policy online. Very easy and user friendly. Will recommend everyone. ”

      Mangal Sen Dhall - Ex-Servicemen Ujjain

      member

      “Renewing my Car insurance from ICICI Lombard was great experience. Overall transaction experience on website was really good and I was able ... ”

      Nandhini Shanmugham Mumbai

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      “Just opted again for ICICI Lombard, all due to the service that I received when I was in need. Due to current unavoidable circumstance that ... ”

      Omar Khalil - Srinagar

      member

      “I missed to renew my car policy by one day, I thought it will take time to get approval for my new policy, normally executive will come for... ”

      Mr. Saju

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      “We are thankful to ICICI Lombard for the prompt settlement of our claim. Our company, Johnson & Johnson Ltd, has fire, marine, motor, me... ”

      Arnab Goswami - Treasury Manager - Kolkatta

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      “Hello, I am Sharath Chander Kanala and I have availed car insurance renewal policy from ICICI Lombard. I have to say that I have had a super... ”

      Sharath K - Teacher - Varanasi

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      “Hello, I, Palla Srinivasa Murthy, had availed car insurance on my Santro and I must say, the whole process was so smooth that it really ease... ”

      PS Murthy - Manager - Banglore

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      “I used the mobile self inspection feature within the ICICI Lombard app for my car insurance and it was a great experience. I must say, this ... ”

      Prince Sachdev – Bhagalpur

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      ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.
      ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: L67200MH2000PLC129408.
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