Icici Lombard Car Insurance FAQs

ICICI Lombard rewards you with ample of benefits on purchasing car insurance. You are entitled to instant issuance of policy and can also avoid finishing tons of paperwork. Paying for your policy is easy too. Debit card, credit or net banking – use any of the following and get your policy done in minutes

Of course you can. Just log into your policy page and keep tabs on the expiry date. To be on the safe side, get your policy renewed at-least 60 days in advance of the expiry date. However, if the expiry date is crossed, the vehicle must be inspected before the policy is renewed

You can definitely renew any car insurance policy with an ICICI Lombard vehicle insurance policy. Cherry on the cake – it can be done online. Just apply and proceed with the payment using debit card, credit card or net banking and your policy will be renewed in minutes

Accidental damages and loses can be overwhelming at times. If the costs of repairing exceed 75% of the vehicles original IDV, the situation is referred as constructive loss

There are a bunch of services you can avail on opting for a road side assistance cover from ICICI Lombard. Here’s a list:

• Battery jump start
• Provision of rental vehicle
• Replacement of flat tyre
• Towing facilities
• Urgent supply of fuel
• Assistance on breakdown over phone
• Making arrangements for keys
• Arrangements for accommodation

ICICI Lombard offers assistance in case of vehicle breakdown

ICICI Lombard insures both private and commercial vehicles. It also provides insurance for two-wheelers

Road side assistance is a very useful add-on. However, it does not mean that the perk can be availed innumerable times. You can only make use of the add-on 4 times in a particular insurance period

It is easier than you think. Get in touch with ICICI Lombard on 1800-2666. Your claim will be registered and you will be given a claim registration number. Your job is mostly done here. The rest will be taken care of by the company

You can purchase an ICICI Lombard by calling us at 7551196989. We do the rest and check for quotes

This solely depends on a number of factors, like the age of your car, IDV, etc. However, you can click here and get a quote for your vehicle after filling in a few details.

Yes, you are liable to get No Claim Bonus for every claim-free year, up to 5 years. However, there is no other discount offered by ICICI Lombard exclusively for Zero Dep add-on cover.

This happens when you have opted for reimbursement claim, instead of cashless claim settlement. Don’t worry, you will be reimbursed with the total claim amount (including the depreciation amount) by the company.

There are still a few liabilities on your side even after having a Zero Dep add-on. There are a number of things not covered under a comprehensive insurance policy and any repairs made to them would go from your pocket.

If the claim amount surpasses the Sum Insured it is a case of the total loss of your vehicle. Such a case is investigated by the insurance company and claim is paid as per the sum insured.

Third party policy covers the policyholder against injury/death of third-party and damages caused to third-party property.

Yes, you can pay the premium for your third party policy online using a debit/credit card or net banking. For more details, call us at 075511-96989.

There is no need to worry if you have lost your policy document. You can call up ICICI Lombard and request them to email you the policy copy. You can take the printout of your policy.

If the third-party has suffered from any fatal injury, seeking medical help must be the first priority. Immediately reach out to the nearest hospital for assistance and also inform ICICI Lombard in-between.

Yes, lodging an FIR at the local police station is mandatory. You also need to submit a copy of the same to the insurer, along with other documents.

ICICI Lombard comprehensive car insurance policy has an extensive coverage plan. It covers injury/death of the policyholder, damages/theft of the insured car as well as indemnifies for third-party liability expenses.

ICICI Lombard offers self-inspection of your damaged car. You can use the company’s mobile app for the same. Alternatively, you can also ask for the arrangement of a surveyor.

In case of theft of the insured vehicle, lodge an FIR at the local police station and a copy of the same should be submitted to the company along with other documents. Also, inform the company about the incident and furnish them with details of witnesses (if available).

Of course, in order to render hassle-free repair and claim settlement, ICICI Lombard has a network of more than 8,800 cashless garages spread across the country.

You need to submit the following documents:

• Original Claim form
• 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)
• Driving license of the person driving the vehicle at the time of the accident
• Copy of Policy
• Copy of Aadhaar Card & Pan Card/Form 60
• FIR or Police report (depending on loss type)
• Garage Estimate
• Repair invoice
• Cancelled cheque (In case of non-cashless settlement).

Contact the company’s toll-free number to register a claim. You will be provided with a claim number for reference. Alternatively, you can SMS “CLAIM” to 575758 or use the ‘Lodge A Motor Claim’ service provided by ICICI.

An FIR needs to be lodged at the nearest police station in case of "Third Party Property Damage", "Bodily Injury" or "Theft".

ICICI Lombard has a network of over 8,800 cashless garages. In a cashless claim settlement process, you need to pay only your part of liability. Whereas, the rest is paid by the company.

Deductibles mean the amount you are liable to pay in case of a claim. This amount is deducted from the total claim amount. Car Insurance Policy carries a Compulsory Deductible of Rs 1,000 (for vehicles less than 1500 cc) or Rs 2,000/- (for vehicles more than 1500 cc).

Constructive Total Loss or CTL means loss/damage of your vehicle when the cost of retrieval/repairs is more than 75% of the Insured Declared Value (IDV) of your vehicle.

ICICI Lombard has tied up with various garages or repair workshops that are specialized and well equipped to provide the insured with all kinds of car repair solutions at one location. To avail any kind of car repair service at a network garage, the policyholder is not required to pay even a single penny from his pocket as the insurance company will set the repair bill directly with the owner of the workshop.

Yes, you can register a claim, but under the following situations:

• Your car should be insured
• Person driving the car should have a valid license
• Having additional premium for the paid driver (person driving the vehicle at the time of accident)
• Other terms and conditions stated by the insurance company

Generally, the insurance company, in order to register for a cashless claim asks for documents such as copy of car insurance, claim form, repair bill, valid RC, driving license and other documents.

No, it is extremely important to first notify your respective insurance provider right after the accident and before getting your car repaired. Furthermore, make sure to inform your insurance company as soon as possible in order to avoid your claim getting rejected at a later point.

Being a policyholder, you are entitled to receive the following benefits:

• You will get to enjoy a quick, easy and hassle free claim settlement procedure.
• There would be no hefty paperwork involved.
• Availability to best customer service and satisfaction with the listed reliable garages under ICICI Lombard.

ICICI Lombard offers policyholders the opportunity to purchase new add-on covers at the time of purchase and renewal after contacting the company. Purchasing an add-on cover along with your standard insurance policy requires extra premium.

Yes, in order to provide details of the insurance policy to the policyholder right on their finger-tips, ICICI Lombard offers you the service to get policy details on Whatsapp. The request can be placed from the renewal page itself.

No, not at all. You just need to provide your policy number and engine number, followed by confirmation of premium amount and payment.

You do not need to worry if you have lost the car insurance policy documents. You can renew your car policy through the official website of ICICI Lombard by just entering the registered mobile number. After the renewal, you will receive the documents of the renewed policy in your inbox.

At the time of renewal, you can use the No Claim Bonus of your previous car policy to avail some discounts on the premium of the renewed policy. However, this facility will be available to the policyholder only if he/she renews the insurance policy within 90 days of the given expiry date.

With the help of car insurance premium calculator, you can easily calculate the premium amount and IDV value provided by different insurance providers. It will assist you in opting for a car insurance plan.

Yes, you can avail premium calculator to calculate the premium amount charged by various insurance companies to insure your old or used car.

You should fill up details such as make, model and variant of the car, fuel type of car, RTO location of the car, engine capacity of the car, registration year of car, and so on, to find the premium amounts provided by several insurance companies through the premium calculator.

Factors which influence the premium of car insurance cover are Owner’s Age, Insured Declared Value (IDV), Engine’s Cubic Capacity, No Claim Bonus (NCB), Anti-Theft Devices, Modifications and so on.

You can get the best premium calculator to compute the premium and Insured Declared Value (IDV) for your car insurance plan at the website of InsuranceDekho, i.e., www.insurancedekho.com.

The ICICI Lombard General Insurance provides a range of add-on covers such as Zero Depreciation Cover, Consumables Cover, Garage Cash, NCB Protect, Return to Invoice, Engine Protect Plus, Roadside Assistance Cover, Key Protect Cover and Personal Belongings Cover.

Yes, you can add more than one add-on cover in your car insurance cover. In fact, you can include any number of add-on covers provided by the insurance company in your insurance plan based on your needs and budget.

You can either include the add-on covers in your car insurance policy at the time of insurance policy purchase or at the time of insurance policy renewal.

Yes, you will have to pay for the premium charges of ICICI Lombard car insurance add-on covers along with your regular premium amount of base insurance cover to avail them.

No, it is not mandatory to include an add-on cover in your car insurance plan. To opt for an add-on cover in your insurance policy is your choice which could be depend on your budget and requirement.

Once your car insurance policy gets approved, you get an email and whatsapp text message from where you can download your ICICI Lombard policy. In case you have lost the downloaded version, you can download it again from your email or through InsuranceDekho’s website.

To make any corrections in the policy document, you can simply contact ICICI Lombard customer care executive at 1800 2666 and request them to make the necessary changes. Once the changes are made, the insurance provider would issue a new policy document to you.

For this, you simply need to go to the ‘Group certificate of Insurance Page’ of ICICI Lombard. On the displayed web page enter policy number, date of birth and pan no, in order to get your policy document.

Yes, you can easily download your ICICI Lombard car insurance policy document using the policy number. To know the detailed steps, refer to the above sections.

It is basically an insurance proposal form that holds information regarding the insurance policy including details related to coverage offered, exclusions, inclusions and other important information. The policy document acts as a legal contract between the insurance provider and the policyholder.

With ICICI Lombard own damage insurance plan, you can keep yourself protected against the loss or damage caused to your own vehicle incurred due to any kind of theft, accident or mishap.

Any individual having an active third party insurance plan is eligible to buy ICICI Lombard own damage insurance plan in order to get coverage for their own car.

No, it entirely depends upon the individual whether they want to buy their own damage cover or not. Moreover, as per law, it is only mandatory to buy a third party liability insurance.

The premium calculation for your ICICI Lombard own damage insurance plan is done after taking into consideration various factors like geographical zone, engine cc, car make, car age, vehicle type, amongst others.

The following set of documents are required to make an own damage claim:

• FIR Report copy
• Copy of car insurance plan
• A copy of driving license
• Car RC
• Repair estimate
• No claim certificate
• Photo/Other proofs of accident or mishap
• Any other documents (as asked by insurance company)