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Get cashless services with ICICI Lombard car insurance 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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How to do mobile self-inspection of your car for online car insurance?

Once you pay for a break-in car 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 as part of the car insurance 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 issuance of policy. The car insurance 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, which is part of your car insurance package.

Is Roadside Assistance service available 24x7?

Yes, Roadside Assistance service is available 24 x7.

What is Car Insurance Policy?

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 Car insurance, 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 it is influenced by many factors, some of them include the 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 car insurance plan purchased, the insurer can take care of the damages caused to the insured’s vehicle. Our car insurance policy 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 car insurance in India directly from the insurer allows additional discounts
  4. • Freedom:Opting for a car policy online allows you the freedom to choose the four-wheeler 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 car insurance policy, if a premium payment is missed, then a reminder is sent to the registered email of the insured 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

    Show oldest on top

    1022 reviews

    Write a review
    1. Vishal Srivastava | Feb 03, 2019
      5
      I really liked the attitude with which he approached the task at hand. He explained everything very clearly and made sure I understood the plan that's best for me. He also emphasised on benefits such as online policy renewal and doorstep surveyor facility.
    2. Sudhish Kumar Srivastava | Feb 03, 2019
      4
      Interacted with the representative from ICICI Lombard regarding my car insurance policy. He was highly supportive in providing me with all the relevant details, which helped me make an informed choice. My overall experience with him and the organisation was awesome.
    3. Sandip Ganguly | Feb 02, 2019
      5
      I had some excellent support from ICICI Lombard's customer care executive while renewing my policy. He reacquainted me with features and benefits of the four wheeler insurance plan like cashless services at network garages and road side assistance. Keep up the good work.
    4. Amit Sharma | Feb 02, 2019
      5
      The information I received from the insurance advisor was very precise and useful. She clarified all my questions in no time and displayed thorough knowledge of the product. Ultimately, she helped me decide which policy to opt for.
    5. Muruganantham Appasamy | Feb 01, 2019
      5
      Your representative explained all the policy details to me and clarified my questions. He also enlightened me about the most important features and benefits of the four wheeler insurance, such as third party liability and road side assistance. Appreciate his time and patience.
    6. Swati Vijay Baviskar | Feb 01, 2019
      4
      Everything from the explanation of the policy terms to the selection of the right plan went smoothly, thanks to the experience and expertise of the ICICI Lombard agent. I request you to please send the hard copy as soon as possible. Thanks!
    7. Rakesh Kumar | Jan 31, 2019
      4
      Awesome service. The agent has got enormous patience and has been very helpful. She as well as other team members have continuously followed up to get the car insurance done. A great experience overall.
    8. Uttam Tyagi | Jan 31, 2019
      4
      The agent's way of explaining and communicating was so supportive. Her patience level was also really high, because it took me over an hour to fully understand the policy. I'd like to thank her for being such an enormous help during the purchasing process.
    9. Lallan Upadhyay | Jan 30, 2019
      4
      The insurance advisor was so nice and helpful. She gave me all the information I needed to decide which is the best car insurance policy for me. I am very happy to have switched my policy provider to ICICI Lombard. Thanks a lot for all the help.
    10. Somnath Ganmote | Jan 30, 2019
      5
      Good explanation of the policy. The salesperson was incredibly patient and supportive throughout the process of choosing the right car insurance plan and purchasing the same. Thank you so much, ICICI Lombard.
    11. Rehan Khan | Jan 29, 2019
      5
      The agent was incredibly supportive and had flawless communication skills. He was able to simplify the car policy so I understood every feature and benefit, including doorstep surveyor facility and towing assistance. Thanks a lot!
    12. Saahil Rahman | Jan 29, 2019
      5
      Great staff. Very helpful. The agent guided me through each and every step very patiently. He even made sure I was able to make the payment without any obstacles. I'd like to rate him 10 out of 10 for his service.
    13. Sudhakar Veluru | Jan 28, 2019
      4
      Your customer care executive was extremely passionate about his job. I was delighted with his patience and comprehensive knowledge about the product. He certainly is an asset to the organisation and I wish him all the very best for his future.
    14. Babul Kumar Snehi | Jan 28, 2019
      4
      Excellent support from your customer care representative. She walked me through every detail of the four wheeler insurance policy and intimated me about all the features and benefits I should be looking for. It made the decision-making process so much easier. Kudos!
    15. Izharul Hasan Khan | Jan 27, 2019
      5
      The way your agent explained the plan convinced me that this was the best car insurance policy in India. She was too good at communicating all its features and guiding me in the purchasing process. Thanks for all the help!
    16. S.D. Ravi Ganesh | Jan 27, 2019
      5
      My conversation with your agent about ICICI Lombard's car insurance policy went really well. Nice explanation with all the correct details. By the end, I was convinced about buying the plan and enjoying benefits like personal accident cover and third party liability.
    17. Sridhar | Jan 26, 2019
      5
      I had a very good interaction with your customer care executive. She cleared all my doubts about the car insurance cover and walked me through important features like doorstep surveyor facility and towing assistance. Grateful for all the help!
    18. Girish | Jan 25, 2019
      4
      It was a pleasure to interact with your customer care employee. He was incredibly helpful. He guided me through the policy renewal process and even helped me update some personal details. Thanks.
    19. Rohit Ayray | Jan 25, 2019
      4
      Speaking with ICICI Lombard's representatives is nothing short of amazing. The agent I was connected with was very patient and explained all the offers and features that I would get from the company's car insurance policy. It was a really good experience.
    20. Krishna Kumar | Jan 24, 2019
      5
      I am incredibly impressed by the kind of help I received from ICICI Lombard's customer care employee. He behaved in a professional manner and was quick to resolve the issue I had with my car insurance policy. He did an excellent job. Thank you.
    21. Dattatray Jadhav | Jan 24, 2019
      5
      The ICICI Lombard employee I spoke with was incredibly polite. She explained all the important benefits of the car insurance policy, including road side assistance. She also guided me through the purchase process. It was a thoroughly enjoyable interaction from start to finish.
    22. Deep D'Souza | Jan 23, 2019
      4
      I would like to express my sincere gratitude to the representative who assisted me with the purchase of my car insurance policy. Not only was he patient and quick to respond, but he took the time required to answer all of my doubts. Thanks to him, I can drive on the roads absolutely carefree!
    23. B.N. Raju | Jan 23, 2019
      4
      I assumed that buying car insurance online would be a lengthy process, but I'm glad that ICICI Lombard proved me wrong. Their customer care representative assisted me quite quickly and helped me complete the transaction without any issues at all. He also patiently listened to my queries and cleared my doubts with ease. Super job.
    24. Shakti Chauhan | Jan 22, 2019
      5
      Buying car insurance online from ICICI Lombard was incredibly easy and hassle-free. The customer service executive I spoke with was very well-spoken and understood all my requirements. This allowed him to provide me with the best car insurance for my needs.
    25. Tanveer Ahmed | Jan 22, 2019
      5
      I am incredibly satisfied with the kind of service I received from ICICI Lombard while purchasing a car insurance policy. Their employees are knowledgeable and polite and provided me with all the details I required before helping me through the process of buying the policy.
    26. Anil Dev Sharma | Jan 21, 2019
      5
      The process to renew my car insurance policy online with ICICI Lombard was quick, simple and easy. In no time at all a customer service representative guided me through the entire process and ensured I got the policy in time. Thanks.
    27. Jijeesh L. | Jan 21, 2019
      4
      While getting my car insurance documents in order, I reached out to the ICICI Lombard team, and they were very prompt in their response. Speaking to them eased all my worries and helped me understand my policy better. Thanks.
    28. Lakshminarasimhan | Jan 20, 2019
      4
      I have to say, the professional I spoke with while purchasing car insurance from ICICI Lombard is a real asset to the company. She provided step-by-step guidance all through the process, and even spent some time explaining the benefits such as personal accident cover to me. Really amazing!
    29. Jerry Christopher | Jan 20, 2019
      5
      I received excellent support from the customer care employee at ICICI Lombard who guided me through the car insurance purchasing process. I've never experienced such a customer-friendly approach from any other company before.
    30. Manish Kalwani | Jan 19, 2019
      4
      I had a truly great experience interacting with ICICI Lombard's customer service representative. He made purchasing car insurance a very easy and delightful process. He guided me through every step of the transaction. Superb!
    31. Deepak Kumar | Jan 19, 2019
      5
      The kind of help and guidance I received from ICICI Lombard's customer care employee was nothing short of amazing. She had in-depth knowledge about the car insurance product and spent a lot of time explaining the policy to me. I am truly grateful for the help I received.
    32. Arun Kumar M. | Jan 18, 2019
      4
      Purchasing car insurance from ICICI Lombard was a real breeze. The service representative provided me with all the details I needed, and even explained the additional benefit of Zero Depreciation Cover. Thanks for all the help.
    33. Samuel Rajkumar Gosala | Jan 17, 2019
      5
      I am thoroughly impressed by the kind of guidance and support I received from ICICI Lombard's customer service executive. She was able to guide me through the entire purchase process and even explained all the benefits, such as cashless service to me. What a fabulous experience.
    34. Naved Zia | Jan 16, 2019
      4
      It was a fabulous experience. Rarely does a support executive go above and beyond for a particular issue, the way the one at ICICI Lombard did. She took ownership of the issue and bought my confidence. I didn't hesitate to provide my credit card number over the phone, which has never happened before. Indeed an asset to the company.
    35. Anwar Hussain | Jan 16, 2019
      5
      It was an absolute pleasure speaking with your customer care team. The agent who handled my car insurance request was very knowledgeable and explained everything to me incredibly well. I'm really glad I bought this policy. Thank you so much.
    36. B.N.K. Prasad | Jan 15, 2019
      5
      I wanted to renew my car insurance policy, so I got in touch with one of your executives. The interaction was as good as I could've hoped. I would just like to extend my appreciation of her skills. Not only did she get the task done quickly but she also reacquainted me with features like third party liability.
    37. Amiruddin Hassonjee | Jan 14, 2019
      4
      Such excellent service from ICICI Lombard. Your agents are truly well-trained and know how to make customers happy. I have no complaints about my experience. Thank you for all the help and support. Great job!
    38. P. Yashwanth | Jan 14, 2019
      5
      The executive who spoke to me was very friendly and helpful. I can't thank him enough for the excellent service. I will definitely recommend him, the policy, and ICICI Lombard to my friends and family.
    39. Rahul Lohia | Jan 13, 2019
      5
      I applaud the professional and polite behaviour of one of your sales representatives. She described every feature of the product in great detail and made sure I wasn't lost at any point during the discussion. Thanks to her, I was able to purchase a policy that gives me doorstep surveyor facility, roadside assistance, and garage cash cover.
    40. Akhilesh Dwivedi | Jan 12, 2019
      4
      It was great talking to your customer service representative. He gave me all the clarification I needed about the policy and convinced me to buy one that suited my needs. Overall, I think he did his job very well.
    41. Major Paramvir Singh Kochar | Jan 12, 2019
      5
      Would like to acknowledge the efforts put in by one of your employees in his interaction with me regarding my car insurance policy. I am especially grateful for the personal touch and assistance he offered. It was of great help to me!
    42. T. Sudhakar Reddy | Jan 11, 2019
      5
      I would like to appreciate your insurance advisor for her knowledge about the product. It is only because of her clear explanation that I decided to go ahead with ICICI Lombard for the renewal of my policy. I have never come across an agent as knowledgeable about insurance as her. Thank you very much.
    43. Diwakar Shelke | Jan 10, 2019
      4
      When looking for insurance, all a customer really wants is to learn the details of the policy as best as possible so they can make an informed decision. My experience with the agent at ICICI Lombard gave me exactly that. She made every effort to help me understand the plan better before I made the purchase.
    44. T.S. Suresh | Jan 09, 2019
      5
      What an amazing experience it was to interact with your salesperson about the perfect car insurance policy. She shared so much of her vast knowledge with me. In the end, I felt capable of choosing a plan that suited my requirements in the best possible way. Wishing her a bright future.
    45. Ashok Kumar Gupta | Jan 09, 2019
      4
      Wonderful job explaining all the policy details to me. Buying insurance can be a tedious task, especially car insurance, but your executive made it easy-breezy. I will definitely recommend her service to my friends and family.
    46. Vipul Patel | Jan 07, 2019
      5
      My experience looking for and buying a car insurance policy from ICICI Lombard was very good. After being provided with all the necessary information, I was able to decide which plan was best suited for my needs. Thank you.
    47. Surjya Neogy | Jan 07, 2019
      4
      The customer care executive was able to support me as per my requirements. She took care of all the formalities and made the whole process so speedy and hassle-free. I am happy with my policy, which gives me comprehensive coverage and roadside assistance.
    48. Dr. Pradeep Bhargava | Jan 06, 2019
      4
      I wanted a policy that kept me safe from third party liability while providing a cover for co-passengers. Any other benefits would be a bonus. The agent at ICICI Lombard understood my requirements and pointed me to the right plan. I am satisfied.
    49. Birender Kumar | Jan 05, 2019
      5
      The interaction with your customer care representative was awesome. The definition of each sentence in the policy document was explained by him in great detail. I am very satisfied with my first experience with ICICI Lombard.
    50. Arunachalam Ramanathan | Jan 05, 2019
      5
      Wonderful experience. She explained all the policy details in full and helped me understand the process of vehicular inspection. I am very happy with the service rendered and would like to rate her performance 10 out of 10.
      Read All Reviews

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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... ”

      Mr. Dominic Braganza

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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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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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