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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

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How to Claim Compensation under Third Party Motor Insurance

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Hum Kaise Maan Lein

Hum Kaise Maan Lein

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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

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

    Car Insurance Reviews and Ratings

    977 reviews

    Write a review
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. K. Shiva Shankar | Jan 04, 2019
      4
      The information provided by the insurance advisor was more than sufficient for me to make a decision about the policy I wanted. The whole experience was excellent, and I learned everything I needed to, such as the plan’s voluntary deductible option and third party liability coverage.
    7. Praveen A.C. | Jan 04, 2019
      5
      I had a good conversation with your customer care executive. She behaved like a professional throughout the interaction and made sure I was comfortable with the policy I chose. It was a wonderful experience, and I will definitely recommend ICICI Lombard to friends and family.
    8. Anant Kenkare | Jan 03, 2019
      5
      I have three words for the customer service at ICICI Lombard - supportive, prompt, and responsive. The agent was great at solving all my queries and following up once the purchase was made to ensure that I wasn't facing any problems. Good job!
    9. Arun Kaistha | Jan 02, 2019
      4
      My compliments to the customer service representative whose concise inputs during the tele-interaction helped me make up my mind to buy the policy. Great job inspiring consumer confidence. I'll recommend the company to all my friends and family for their incredible support.
    10. Sanyog Sonawane | Jan 01, 2019
      5
      The great thing about my interaction with your advisor was that she was completely dedicated to it. Not only did she make me feel comfortable talking about the various policy features but she also encouraged me to resolve my queries without hesitation. Please consider messaging customers before calling them, as they might miss your call, which is important for verification.
    11. Suhas K.B. | Jan 01, 2019
      4
      Your agent was good and knew all the details of the policy. She guided me effortlessly in my pursuit of a suitable car insurance plan. Because of her crystal-clear explanation, I was able to gather the usefulness of benefits like protection against natural and man-made calamities.
    12. Serena Paul | Dec 31, 2018
      5
      Your customer care representative was super helpful and gave me all the proper information about the policy. I was persuaded to make the purchase in part due to her excellent communication and soft skills. Of course, I also needed the third part liability and personal accident cover that comes with the plan. Good job.
    13. Diptarko Chatterjee | Dec 30, 2018
      5
      I was exclusively looking for a plan with cashless services across a wide network of garages in India. I can't thank ICICI Lombard enough for covering me with the perfect plan.
    14. Pravin Bhimrao Pawar | Dec 30, 2018
      4
      Purchasing car insurance from ICICI Lombard was incredibly easy. The individuals I spoke with on the customer care team were kind and cooperative. They had a wealth of information about the product and helped me make the right insurance choice.
    15. S.K. Mohith Parvez | Dec 29, 2018
      4
      I was hunting for a car insurance policy with attractive no claim benefits. I already had an existing insurance plan and wanted to switch to ICICI Lombard. I could retain the benefits from my old plan, and this is why the services provided by ICICI are unparalleled.
    16. Arun Patankar | Dec 28, 2018
      5
      My previous car insurance offered me a personal accident cover of just Rs. 5 lakhs. But that’s not the case with ICICI Lombard as they provide the same benefits but with an impressive coverage of up to Rs. 15 lakhs. The decision to switch to this company was literally a no-brainer.
    17. S.P. Kamat | Dec 27, 2018
      4
      I had a nice interaction with your customer service representative. She answered all my questions correctly and supported me very well throughout the process. I am grateful for her service.
    18. Manish Sinha | Dec 26, 2018
      5
      The ICICI Lombard agent were very friendly and handled all my requests promptly. The most attractive aspect of their car insurance plan is the zero depreciation cover that offers coverage on replaced parts with no deduction for depreciation. This is the main reason why I purchased this plan.
    19. Upendra Kumar Bisht | Dec 26, 2018
      4
      The helpful attitude of the customer service professionals benefitted me greatly. They didn’t leave out even an ounce of detail and all the points were covered exhaustively. The best thing about the ICICI Lombard car insurance policy is the protection offered against a variety of natural and man-made calamities. No other plan offers comprehensive coverage like this one.
    20. Sudeep Singh | Dec 25, 2018
      4
      I was looking for the best customer plan, and your agent helped me in making the right selection. I would like to thank him and the whole ICICI Lombard team wholeheartedly. My policy provides me with exhaustive roadside assistance, which is exactly what I was seeking.
    21. Vinay Kumar | Dec 24, 2018
      5
      I am really happy with the interaction. The telephone executive was professional and understood my concerns thoroughly. He answered all of my questions with great patience and provided follow-up till closure. Great support indeed! What convinced me to buy the plan was the extensive protection against damage and theft provided by it.
    22. Rahul Chavan | Dec 24, 2018
      4
      Today, I renewed my existing car policy. The experience was awesome and I was able to renew it online without any hassles. It can be concurred that the online renewal process has made things extremely easy. I will renew my policy next year, too!
    23. Shekhar M. Gulhane | Dec 23, 2018
      4
      The assistance provided through the whole signing up procedure for my car insurance was very professional. The best part of their policy is the no claim benefits provided. I am a safe driver and hence this bonus is something that I wanted from the beginning.
    24. Chimma Ravindhra | Dec 22, 2018
      5
      The customer service executive was very responsive and friendly. I was looking for vehicle insurance for my wife and researched many offers online. However, I think ICICI Lombard has the best offer as they take into account everything like daily commute allowance for the time your car is in the garage.
    25. Ajit Gupta | Dec 22, 2018
      4
      Very patient and helpful executive. Thanks to him, all my doubts regarding the specifics of the plan are solved. I was seeking a plan that’ll provide cashless services at network garages all over the country. Thanks to ICICI, I got exactly what I wanted!
    26. Mohit Sambranikar | Dec 21, 2018
      5
      The customer care representative with whom I spoke was very knowledgeable about the product features and provided satisfactory responses. I was really impressed by her persuasion skills. The personal accident cover of over Rs. 15 lakhs is what prompted me to purchase this car insurance.
    27. Yatish Sharma | Dec 21, 2018
      4
      ICICI Lombard never disappoints me when it comes to proficient customer service. I wanted proper roadside assistance coverage and this is exactly what the plan provides. I am very happy with the policy as well as overall experience.
    28. Shridev V. S. | Dec 20, 2018
      4
      I was surprised to know that ICICI Lombard car insurance provides protection against third party liability in case of an unfortunate event at such an affordable price. Upon learning this from your helpful agent, I immediately decided to choose this plan.
    29. Parag Dutta | Dec 19, 2018
      4
      My initial experience with your customer service was not satisfactory. However, the agent with whom I interacted this time provided me with an excellent experience. He knew the intricacies of my 4 wheeler policy very well and possessed excellent communication skills. Great job!
    30. Nagaraja J. | Dec 19, 2018
      5
      I would rate the services provided by ICICI Lombard 5/5. This was my best customer care experience I've had in recent times. I selected the car insurance plan as it offers me a personal accident cover of Rs. 15 Lakhs. Those who want higher coverage should definitely select ICICI Lombard's car insurance.
    31. Chandra Shekhar Sharma | Dec 18, 2018
      5
      The explanation was very clear. Although I had to pay more, I agreed on the basis of the presentation by the customer service representative on the benefits available. She was able to convince me to go for comprehensive insurance for my car.
    32. Vinod Marotirao Chavan | Dec 17, 2018
      5
      My conversation with the ICICI Lombard agent was very informative. He was very cooperative, sincere, and courteous. All my questions were answered properly. As for the policy itself, it adequately protects the car against a host of natural or man-made calamities and also provides co-passenger cover.
    33. Kamal Kirar | Dec 16, 2018
      4
      I am very happy and satisfied with the service provided by your customer care executive over the telephone. He persuaded me to opt for a car insurance policy that offers zero depreciation cover with regards to replaced vehicle parts.
    34. Amit Jaiswal | Dec 16, 2018
      5
      The policy details were explained thoroughly by the agent. This plan grants you daily allowance when your car is in the garage for repairs. Exactly what I was looking for!
    35. Vishwanath Nadagouda | Dec 15, 2018
      4
      My son was looking for car insurance and seeking my assistance. He is a safe driver with a clean record and was looking for a plan that will offer him a substantial no claim bonus. I called ICICI Lombard and was happy with the information provided by the executive. The policy was perfect and we immediately went for it.
    36. Akash Seth | Dec 15, 2018
      4
      The executive was very polite and explained the details of the policy very clearly. The step-by-step guidance helped me purchase the plan quickly and easily. The highlight of this plan is the all-inclusive roadside assistance provided in case of a car breakdown.
    37. Manu Inder Singh | Dec 14, 2018
      5
      Keep it up ICICI Lombard! Your executives are the best when it comes to customer service. The best thing about your car insurance plan is the wide network of garages maintained all over the country where one can avail cashless services.
    38. Sadashiv Rotkar | Dec 13, 2018
      4
      The ICICI Lombard agent was extremely professional and had sound knowledge of the vehicle insurance policy. She was very courteous, committed, and patient and remembered to follow up on time. My plan offers protection against both natural and man-made calamities.
    39. Anantharao K. | Dec 12, 2018
      5
      I would like to take this opportunity to thank ICICI Lombard for offering me the best car insurance plan possible. I wanted something that helps me transfer my no claim bonus from an existing policy, and now I have exactly that. Good work!
    40. Rinso Joseph | Dec 11, 2018
      4
      The interaction with your agent was very friendly and productive at the same time. I decided on purchasing this car policy because of the easy online renewal process. Thanks, ICICI Lombard!
    41. Wavell Charles Farrell | Dec 10, 2018
      4
      The personnel who assisted me with my policy renewal was very helpful and guided me patiently through all the formalities. I would recommend this policy due to the roadside assistance offered if your car breaks down. Thank you, ICICI Lombard!
    42. Farokh Pestonji | Dec 10, 2018
      5
      The customer support offered by the agent was flawless and up to the mark. His explanation was exhaustive and cleared all my doubts. I was pleasantly surprised to know that the car insurance offers zero depreciation cover on replaced vehicle parts.
    43. Bince Mathew | Dec 09, 2018
      3
      I was renewing my car insurance online, but because of some technical problems I couldn't complete the transaction. Therefore, I called your customer service staff who put in touch with a wonderful executive. She was very friendly and easily helped me complete the process.
    44. Alok Bhide | Dec 09, 2018
      5
      Getting a car insurance policy from ICICI Lombard was a positive experience. Overall, I feel that this plan is extremely helpful as it covers man-made as well as natural calamities. Thanks for all the support and guidance.
    45. Rosemarie Dsa | Dec 08, 2018
      4
      I had a very nice experience. I spoke to your agent who guided me through the process with patience and clarity. She even advised me correctly on choosing the right scheme. Great job.
    46. Sakharam Shinde | Dec 08, 2018
      4
      I came across an ad by ICICI Lombard and decided to check their website out, which is very comprehensive. But before buying car insurance from them, I wanted to speak to an executive and learn more. I am happy I did that because the agent gave me more details and helped me learn more about the company.
    47. Vinod Negi | Dec 07, 2018
      4
      Your agent had an in-depth knowledge about the product and even helped me understand a few technical terms in a better way. She was very clear and never had a problem explaining the details in a step-by-step manner.
    48. Tanish Sood | Dec 07, 2018
      5
      The agent on the line was really helpful and patient during the whole process. She explained each and every point in detail and cross-checked multiple times to avoid any confusions at all. Loved the experience. Thank you.
    49. Mohd Kashif Khan | Dec 06, 2018
      5
      Your executive was very helpful, knowledgeable, and above all extremely patient. She knew her subject well and was able to answer all my queries wisely. She is a great addition to your team. All the best to her.
    50. Nanda H. | Dec 05, 2018
      4
      Besides renewing my car insurance policy, I had called ICICI Lombard to learn how to claim compensation under the third-party motor insurance and I am glad I called the experts instead of asking others. Your agent gave me a very thorough explanation and was very patient throughout the process. Super happy.
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      “Very Satisfied with current insurance claim. Timely delivery and accurate costing is that I liked. ”

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

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

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

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

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      “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... ”

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

      Arnab Goswami - Treasury Manager - Kolkatta

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

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

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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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      Dealer Name Address City State Contact No Contact Person Type of Vehicle Manufacturer Latitude Longitude Operations
      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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