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Get cashless services at 3500+ 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 3500+ 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 ` 2 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
Package Insurance (Private Car)"B" Policy
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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)

*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

    quest img

    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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    746 reviews

    Write a review
    1. Naween Kumar | Jul 02, 2018
      5
      Your agent was good in every respect. She had a diverse knowledge of all the products and was able to guide me based on my personal requirements. Nice to know ICICI Lombard is staffed with such competent members.
    2. Ganapathy Subramanian | Jul 02, 2018
      5
      Talking to your executive made me realize the benefits of a car insurance policy. He explained all the details and answered questions to my satisfaction. I found the customer service to be excellent.
    3. Chetan Thakare | Jul 01, 2018
      5
      I had an interesting consultation with the salesperson from ICICI Lombard. He provided an accurate explanation of the insurance plan and told me whatever I needed to know about its benefits, like cashless services at network garages and instant policy issuance. Keep up the good work!
    4. Agni Prakash Sahoo | Jun 30, 2018
      4
      The salesperson was quite knowledgeable and patient enough to listen to all my queries and provide satisfactory answers. It was easy to talk to a person who can help you buy the right insurance when you are dealing for the first time. Overall, a great experience.
    5. Mahesha Rao | Jun 29, 2018
      5
      The conversation with your agent was two-sided, which is great because she answered as many questions as she could while telling me about the policy I was interested in. I am properly satisfied with her service.
    6. Seethalakshmi Jagannathan | Jun 29, 2018
      5
      I liked the service provided by your executive because she was polite and efficient. She clearly knew all the policy rules and was able to convey them to me with the same clarity. I appreciate her sincere and transparent attempt of selling the product. Keep it up.
    7. Vivek | Jun 28, 2018
      5
      The insurance agent from ICICI Lombard clearly explained all the details of what is and is not covered in the car insurance policy. I wanted coverage against legal liability due to accidental damages and towing assistance, which is why this plan was perfect for me.
    8. P.S. Sangha | Jun 28, 2018
      4
      The customer service associate did a very good job of selling the car insurance policy to me. Her communication skills combined with a deep knowledge of the product gave me the confidence to go ahead and book it.
    9. Sanjeev Kumar Gupta | Jun 27, 2018
      4
      Your live chat system is quite good. The representatives are prompt and speedy in their follow up. The person who attended to me gave me the best support I have ever received from an organization. Keep up the good work!
    10. Pavankumar | Jun 27, 2018
      2
      I recently purchased a car insurance policy from ICICI Lombard. And even though my claim was not approved, I was hoping to receive some assistance or response from the team after that, which I didn't. I request a swift recall from the board.
    11. Khushal Singh Negi | Jun 26, 2018
      5
      Good work done by the customer support associate in helping me purchase a car insurance policy. The way she communicated and the patience with which she handled the entire transaction was outstanding. This is what customer service should be like.
    12. Tanya Mitra | Jun 26, 2018
      5
      The salesperson was rather helpful throughout the policy purchasing process. She took the time to explain every single inclusion, like inbuilt personal accident cover and third party legal liability, and even the exclusions. Great job!
    13. Babalu Gupta | Jun 25, 2018
      5
      When it came time for me to renew my car insurance policy, I checked many companies but found ICICI Lombard to be the best because it has a claim settlement ratio of 98.3%. So, I will go with this company and even recommend it to all my friends and relatives when they need to buy or renew any plan.
    14. Vineet Kumar Sharma | Jun 25, 2018
      4
      Good and polite communication. The representative was able to clear all my doubts and queries confidently. It was nice to be assisted by a professional who knew everything about the policy I was interested in.
    15. Raju Raichur | Jun 24, 2018
      5
      The agent was helpful and steered me towards an ideal policy. It had all the benefits I needed, such as towing assistance and garage cash cover. I appreciate his patience and dedication. I asked him to call back a few times due to my busy schedule. He not only called back, but also helped me fill out the details.
    16. K.R. Prasad | Jun 23, 2018
      4
      Glad that I was able to buy car insurance online from ICICI Lombard. I'd like to thank the representative for guiding me through the process patiently and providing full details about the policy's features and benefits. Real 5 star service.
    17. Vaibhav Bapat | Jun 22, 2018
      2
      My feedback is that the ICICI Lombard site needs to be improved. The previous version of the site was effective, but the new one takes a lot of time to load and shows correct details as wrong sometimes. Kindly work on improving the speed and standard of the site.
    18. Bratin Dey | Jun 21, 2018
      5
      Your insurance salesperson guided me very nicely and illustrated all the details of the policy. Not only was she polite and well-behaved but also had immense knowledge of the product, which she shared by outlining features such as zero depreciation cover and cashless services. I purchased the policy just because she supported me properly. Thanks.
    19. Sarath Sasikumar | Jun 20, 2018
      5
      Had an excellent interaction with your sales representative about the policy details, benefits, and exclusions. He helped me complete the transaction from start to finish. I thoroughly enjoyed the experience.
    20. Raghavan Subramanian | Jun 20, 2018
      4
      The sales executive was very prompt, helpful, and persistent. Even when the systems weren't working as expected, he remained calm and focused on getting things done. Thanks to him, I learned about features like roadside assistance and garage cash cover.
    21. Abhijit Dave | Jun 19, 2018
      5
      The salesperson who was assigned as my relationship manager was highly interactive. She helped me get my refund and also book a motor insurance policy. Her ability to convey the various benefits of the plan, like no claim bonus and cashless garages, convinced me to make the purchase.
    22. Nazir Shaikh | Jun 18, 2018
      4
      Truly awesome service from the customer care associate at ICICI Lombard. She gave me the guidance I needed to make an informed choice, and even explained benefits like doorstep surveyor facility and towing assistance in great detail. I am happy with my experience.
    23. Vijay Dagdupant Kulkarni | Jun 17, 2018
      4
      Your insurance advisor was very polite, soft-spoken, and cooperative. She helped me with the renewal of my car insurance. Additionally, she managed to convince me to buy a Personal Protect Policy for three years by emphasizing benefits such as protection against accidental death or permanent total disablement. Keep it up!
    24. Pradeep Kumar Dasari | Jun 16, 2018
      5
      Very satisfactory experience of buying both car and two wheeler insurance. Two of your representatives guided me and suggested that I go for these policies. Both of them were professional and handled the process very well. They had great lead generation skills. I wish them good luck and thank them for their support.
    25. Saurabh Kulkarni | Jun 15, 2018
      5
      I am happy to say that your agent was quick and knowledgeable while guiding me towards the policy I wanted. He helped me by providing the correct details and gave me the quote I was looking for. Good job.
    26. Anil Kumar | Jun 14, 2018
      5
      The sales executive from ICICI Lombard was able to convince me to buy the product with her adequate knowledge and excellent communication skills. She kept her timelines and followed up rigorously to close the deal. Thanks a lot!
    27. Mayank Chhabra | Jun 13, 2018
      4
      Talking to your customer care representative was nice. She made me understand the policy with full transparency, elaborating on benefits like protection against natural and man-made calamities. Fully satisfied with her behavior and service.
    28. Vineet Mahajan | Jun 12, 2018
      4
      Your sales executive was very proactive and diligent in explaining all the products and their benefits. She had an immense knowledge and could compare the advantages and disadvantages of other competitors' policies with ICICI Lombard's. I commend her communication and interpersonal skills, which convinced me to purchase your car insurance. All the best to her, and thanks a lot.
    29. Qausar Ali | Jun 11, 2018
      5
      Great communication and brilliant professionalism displayed on behalf of the sales executive at ICICI Lombard. Thank you for the assistance in purchasing my car insurance policy. I am quite satisfied with the service as well as the plan, which provides me with doorstep surveyor facility and towing assistance.
    30. Dande Arun Dattatraya | Jun 10, 2018
      4
      I decided to purchase a car insurance plan from ICICI Lombard and was pleasantly surprised to receive the kind of support I did from the insurance advisor. She has been extremely cooperative during the entire process. I can't thank her enough. Well done!
    31. Someshwara Chigateri | Jun 10, 2018
      4
      Excellent service provided by the team at ICICI Lombard. The agent gave me all the details and patiently replied to all my queries. As per my requirement, she suggested multiple quotes and gave me information pertaining to each. This allowed me to decide the best policy for my car. ICICI earned a happy customer thanks to her.
    32. Anurag Kumar | Jun 09, 2018
      5
      Hi, this feedback is regarding the car insurance I purchased from one of your representatives. Initially, I was disinclined to buy the policy from ICICI Lombard due to the high quotes, but she explained everything so well and conveyed all the details so transparently that I was convinced. I ended up buying the plan because of her persuasive efforts.
    33. R.K. Agnihotri | Jun 08, 2018
      5
      I recently renewed my car insurance policy with the help of one of your employees. He was genuinely pleasant to talk to as he made me revise all the benefits of the plan, like third party liability and no claim bonus. Great knowledge and resources.
    34. Vinod M.V. | Jun 07, 2018
      5
      I thought buying insurance would be a lengthy and complicated process, but your sales executive finished the job in one hour. In that time, he explained all the details of the policy and informed me about essential benefits like cashless garages and personal accident cover. I am very happy with the commendable service provided by ICICI Lombard.
    35. Hari D. | Jun 04, 2018
      4
      I am very pleased with the service rendered by your sales executive. She helped me in choosing right car insurance policy and assisted at all stages to process my requirements. Once again, I would like to thank her for all the help.
    36. H. Honnappa | Jun 04, 2018
      5
      I had the pleasure of interacting with one of your agents, who was very courteous and seemed to know all the details of the product. He got his point across in a clear and simple manner, and gave me proper information about features like towing assistance and no claim bonus. Meeting him was quite reassuring.
    37. Suryaman Chetri | Jun 04, 2018
      4
      My experience of purchasing a car insurance policy from ICICI Lombard was good. The sales executive kept giving me pointed reminders and updates about the status of the transaction until the very end. She cared a lot about me having a hassle-free process. Thanks!
    38. Poornima Ledia | Jun 03, 2018
      4
      The salesperson from ICICI Lombard answered all my questions regarding the purchase of a car insurance policy to the fullest extent of my satisfaction. She made it so easy to renew the plan and even reacquainted me with important features like doorstep surveyor facility and cashless services at network garages. Thanks!
    39. Anil Srivastava | Jun 03, 2018
      5
      After a detailed discussion with one of your agents, I decided to purchase the car insurance policy. She helped me understand the various facilities I can avail, such as coverage against third party liabilties. I am very satisfied with the product as well as the provider.
    40. M. Sandeep | Jun 02, 2018
      5
      The service provided by your agent at the time of purchasing a car insurance policy is much appreciated. He gave me a clear explanation of the plan's features and clarified all my doubts regarding the claim process. Wonderful work!
    41. Nand Kishore Khandelwal | Jun 01, 2018
      4
      Today, I interacted with an advisor who was simply outstanding. She provided me with complete and transparent information about the car insurance policy, which convinced me to replace my current service provider with ICICI Lombard. I applaud her efforts and diligence. Hope to receive the same level of dedication in the future.
    42. Tejas Shah | Jun 01, 2018
      5
      I must say that I was happy to deal with ICICI Lombard for my car insurance policy purchase. The customer service executive provided amazing support throughout the process, and convinced me to buy the plan based on benefits like personal accident cover and third party liability.
    43. Vineet Nigam | May 31, 2018
      5
      Had a wonderful experience purchasing car insurance from ICICI Lombard. The customer service representative was extremely methodical and patient in her approach. She answered all my queries in a satisfactory manner and supported me till the last stage of the buying process. Thank you.
    44. M.N.P Babu | May 30, 2018
      5
      The services offered by ICICI Lombard have been impressive. Your agent patiently guided me towards procuring a suitable car insurance policy. He even made sure I was well-acquainted with the coverage offered for loss or damage to vehicle against natural calamities. I'm very grateful!
    45. D.K. Pradhan | May 29, 2018
      4
      Thanks to your qualified customer service staff, I learned how to book a car insurance without any hassles. He shared valuable benefits offered by the policy, such as personal accident cover which was extremely helpful. I was fully satisfied with this experience.
    46. Krishnan Melarkode Subramanian | May 28, 2018
      5
      Yesterday, your sales executive contacted me for the renewal of my car insurance. She convinced me to buy your insurance by answering whatever query I put forth. It took almost an hour of discussion. However, she did an excellent job of persuading me, so I agreed to buy car insurance with ICICI Lombard. Well done. Thanks.
    47. Deepak Sasi | May 27, 2018
      4
      I was facing some issues with the booking process of my car insurance policy. Your service agent assisted me in choosing the most appropriate plan as per my requirements. He was patient while explaining the features and waited for my availability while I was busy answering a few calls. It was an absolute pleasure speaking to him.
    48. Santosh Shete | May 26, 2018
      4
      The support I received from ICICI Lombard's team while buying car insurance was immense. The representative was knowledgeable and explained all the details in a way thaat helped me remember them. I am satisfied by her approach, and when the time comes, I would like to renew my policy through her.
    49. Kamal Kishore | May 25, 2018
      5
      I felt very happy with the support provided by the team of ICICI Lombard. The salesperson understood my concerns and guided me towards a policy that provides benefits like cashless services and garage cash cover. The details were very well explained. I am satisfied.
    50. Vinay Kumar Soni | May 24, 2018
      5
      It was nice talking to your agent. She was very polite and helped me in every aspect of the policy purchasing process. I am very thankful to her for encouraging me to buy the right plan for my car.
      Read All Reviews

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      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      READ ALL TESTIMONIALS
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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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