Which services are provided by ICICI Lombard under roadside assistance cover?
We offer the following services under roadside assistance cover:
- Breakdown support over phone
- Minor repairs
- Flat tyre
- Battery jump start
- Arrangement of keys
- Towing on breakdown or accident
- Arrangement of a rental vehicle
- Arrangement or supply of fuel
- Arrangement of accommodation
Note: For details kindly refer policy wordings for the private car package policy.
*For a list of services applicable in policy, please refer policy schedule.
Can I renew my motor policy online?
Yes, you can renew your policy online, starting 60 days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor would require an
inspection of the car, before policy issuance. The policy would only be issued subject to satisfactory inspection and submission of required documents.
Is my No Claim Bonus (NCB) transferable?
Yes, in case you are the customer of ICICI Lombard, or are switching to ICICI Lombard from any other insurance company, and have accrued some NCB from your previous insurer, you can get the same
transferred in case the car is insured within 90 days of your renewal due date. The same applies if you are switching from ICICI Lombard to other insurance company.
Are online car insurance documents valid?
Yes, once you make payment and purchase online car insurance, we send valid policy documents to your email and your mailing address.
Where can I check the status of my car insurance?
You can check your car insurance start and end date in your policy documents. You can also login to our website or IL Take Care app to check the status of your car insurance policy.
When should you renew car insurance?
Car insurance is available in annual and long-term (3 year) options. Irrespective of the policy term, you need to renew car insurance before it expires, so that there is no break in coverage. In case of a gap between expiry and renewal, you may lose out on claims and your accumulated NCB.
How quickly can I buy/ renew car insurance online?
It takes just a few minutes to buy or renew car insurance online. You just have to enter the vehicle details, your contact details and pick the covers you need. Once you make the payment, you receive an instant policy.
Why do I need to insure my car?
In India, third-party car insurance is compulsory for all car owners. Moreover, own-damage car insurance covers you in case of accidents, theft and fire. In case of any untoward incident, you don't have to pay out of pocket for repairs or replacement if you have a valid insurance policy.
What is garage cash plan?
For partial loss- If your car is under repair after an accident, a fixed daily allowance would be paid for the number of days your car is in an authorised garage for repair or number of days as mentioned
in the schedule, whichever is lesser.
For total loss or constructive total loss - In the event of total loss or constructive total loss of your car, you will receive a lump sum amount as per what is mentioned in the schedule.
What is personal accident insurance cover?
Personal accident insurance covers death or disability caused due to an unfortunate accident. The motor insurance policy essentially has a personal accident cover for the registered owner-driver, as per
tariff, for which no extra premium is to be paid. For a person other than the registered owner and driver, the personal accident cover has to be purchased separately by paying an additional premium. The
amount paid as compensation depends upon the extent of opted cover.
How many days are covered under garage cash cover?
The duration for which we will be liable for claim in respect of this add-on will be considered from the day after your insured car 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.
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 car
- Third party liability
- Any permanent injury to or death of a person caused by your insured car
- 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 car
- A personal accident cover for the registered owner-driver of the car while he is driving
In case of loss or damage to the car 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
- While in transit by road, rail, inland waterway, lift, elevator or air
- Landslide and rockslide
What is Zero Depreciation in car insurance policy?
Usually, when you file a claim under your policy, you have to pay for the cost of depreciation of your car parts. If you opt for Zero Depreciation add on cover (by paying additional premium), we will cover all the repair/replacement costs without factoring the depreciation element.
What are the risks covered by Private Car Package Insurance Policy?
Car insurance covers damages to your own car, as well as the damages your car makes to others & surrounding property. Some of the risks it covers include fire, theft, natural calamities, explosion and self-ignition.
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.
Which factors affect the premium amount?
The premium payable for your car depends on the following factors:
- The cubic capacity of the engine
- Age of car
- Geographical zone
- Type of model
- IDV (Insured Declared Value)
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 or Demand Draft: You can send a Cheque or Demand Draft by courier to our office address.
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 car is repaired in a garage falling within our network. However, if the car 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.
What is a cashless claim and a non-cashless or reimbursement claim?
Cashless claim: In cashless claim facility, the repair charges of the car are directly paid to the garage by us, provided the car is repaired in our garage network.
Non-cashless or reimbursement claim: If the car 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.
How do I register my claim?
Contact our toll-free helpline 1800 2666 to register your claim and get a claim number or 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.
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.
How many times can we claim under car insurance in a year?
You can make any number of claims in the year.
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 terms of the policy. An endorsement can be of two types:
An endorsement can be of two types, i.e. premium bearing and non-premium bearing.
Premium bearing endorsement:
Endorsement for which an additional premium is charged. Some of the examples are:
- Transfer of ownership
- Addition of LPG or CNG kit
- Change of RTO location
Non-premium bearing endorsement:
Endorsement for which no additional premium is charged. Some of the examples are:
- Rectification in contact details
- Rectification in engine or chassis number
- Addition of hypothecation
What is IDV (Insured Declared Value) in a car insurance policy?
The Insured Declared Value (IDV) in a car insurance policy is the maximum amount we can pay out in claims to you. It is derived as per the market value of your car, at the time of policy purchase.
Where can I get a duplicate copy of my policy?
When you buy car insurance online from us, we email the policy documents to you. In case you can't find the original copy, you can download the car insurance certificate/policy from your email again. You can also login to the IL Take Care app to download the duplicate copy of your car insurance policy online.
Where can I get my car insurance policy number?
You will find the policy number in your car insurance policy documents. We also mention it in our email when we send the documents to your email address. You can also login to our website or IL Take Care app to retrieve your policy number.
What do I do with my car insurance policy, if I sell my car?
You can transfer your car insurance to the new owner.
How can I transfer car insurance to the buyer of my car?
Under Section 157 (2) of the Motor Vehicles Act, the new car owners will have to apply to us within 14 days of the transfer. We shall make the necessary changes and get the policy transferred in their name.