ICICI Lombard Car Insurance starting at Rs. 2,094*
Product highlights
Key features and benefits of ICICI Lombard Car Insurance
00:47
Features and benefits of ICICI Lombard Car Insurance
Learn how you can drive smarter with ICICI Lombard Car Insurance.
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Lower premiums
ICICI Lombard car insurance policy offers complete coverage for your car at affordable premiums. For example, the premium for third-party car insurance starts at just Rs. 2,094*.
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Cashless claim settlement across 5,700+ garages
Get your car repaired at any of the 5,700+ network garages across India without paying in cash.
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Natural and man-made calamities coverage
Get coverage damages to your car due to natural disasters. This includes earthquakes, floods, fires, storms, and more. The policy also covers man-made calamities like burglary, theft, riot, strike, and malicious act.
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Third-party legal liability covered
The policy covers accidental damages resulting in the injury or death of a third-party person and/or damage caused to the surrounding property.
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Personal accident cover
ICICI Lombard car insurance offers up to Rs. 15 lakh to the insured owner-driver in case of accidental injuries, disabilities, or death.
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No Claim Bonus benefit
ICICI Lombard car insurance offers a No Claim Bonus discount of up to 50%.
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9 optional add-on covers
The policy offers a choice of 9 add-on covers. This includes coverage of electrical/non-electrical accessories, for example, fog lights, music system, seat covers, etc.
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Zero depreciation add-on cover
Get coverage for the depreciation of car parts so that you can claim for insurance without any deductions for depreciation with the zero depreciation add-on cover.
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Engine protection add-on cover
Covers the repair/replacement cost of the damaged engine. This is especially useful for regions prone to flooding.
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No Claim Bonus protector
This add-on cover helps you keep your No Claim Bonus discount intact even if you raise a claim request in a policy period.
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24x7 roadside assistance
Get 24x7 roadside assistance with this add-on cover. Get benefits such as towing to network garage, battery jumpstart, minor repairs, on-call support and taxi benefits.
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Types of ICICI Lombard Car Insurance Policy
ICICI Lombard offers various car insurance policies tailored to meet different needs. Here are the main types:
Comprehensive Car Insurance Policy
- Provides extensive coverage including third-party liability, own damage, and theft.
- Covers damages due to natural calamities, man-made disasters, and accidents.
Third-Party Car Insurance Policy
- Covers legal liabilities arising from damages or injuries caused to a third party.
- Mandatory by law to drive legally on Indian roads.
Standalone Own Damage Car Insurance Policy
- Covers damages to your car due to accidents, theft, fire, or natural disasters.
- Allows customization with add-on covers for enhanced protection.
Coverage under ICICI Lombard Car Insurance
ICICI Lombard car insurance offers extensive coverage options to ensure complete protection. Here are the key coverage areas:
- Accidental Damage: Covers repairs or replacement costs due to accidents.
- Theft and Burglary: Provides compensation for theft or damage due to burglary.
- Fire and Explosion: Covers losses due to fire, explosion, or self-ignition.
- Natural Calamities: Includes coverage for damages from floods, earthquakes, storms, etc.
- Man-made Disasters: Protection against riots, strikes, or malicious acts.
- Third-Party Liabilities: Covers legal liabilities for injuries or damages to a third party.
- Personal Accident Cover: Offers personal accident cover for the owner-driver up to a specified amount.
- Add-On Covers: Options like zero depreciation, engine protection, and roadside assistance.
Eligibility criteria and documents required
Anyone who fulfils the below criteria can buy the ICICI Lombard Car Insurance policy. Also, keep the below-mentioned basic information handy while buying the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle insured should have a valid registration number and certificate
Documents required
No documents required to buy the policy. Simply provide the following information while buying the policy:
- Car registration number
- Mobile number
- Residential PIN code
- Previous policy details
A step-by-step guide to buying this policy
01:07
How to apply for ICICI Lombard Car Insurance
Watch this video to know the steps to buy the policy in minutes.
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Step 1
Click on 'Get Quote’ button on this page to visit the online application form.
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Step 2
Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
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Step 3
Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.
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Step 4
Choose ICICI Lombard Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
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Step 5
Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
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Step 6
Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
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Step 7
Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment processed successfully.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Key inclusions and exclusions
Here is a quick look at the key inclusions and exclusions under the ICICI Lombard Car Insurance policy:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Third-party liabilities | Covers damages caused to a third person’s body, property, or vehicle. |
| Accidental damage | Covers damages caused due to accidents. |
| Fire damage | Covers damages caused to the car due to fire explosion, self-ignition, or lightning. |
| Theft | Offers coverage if the car gets stolen. |
| Natural and man-made calamities | Covers damages caused to the car due to both natural and man-made calamities. |
| Personal accident coverage | Coverage for up to Rs. 15 lakh for the owner-driver in case of accidental injuries, disabilities, or death. |
| Key exclusions | Description |
|---|---|
| Location | Does not cover any loss or damage caused to your car outside the geographical limits of India. |
| Alcohol or drug usage | This car insurance policy does not cover damages while driving under the influence of alcohol or drugs. |
| Normal wear and tear | Does not cover repair or replacement costs of car parts that get damaged over time due to regular usage. |
| Driving without a valid licence | Does not cover any damages caused while driving without a valid driving licence. |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with ICICI Lombard Car Insurance.
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Step 1 - Register your claim
1. Register your claim by logging in to the insurer’s website.
2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor insurance policy, and tap on report claims.
3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
4. Register claims through WhatsApp on 7738282666.
5. SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com. -
Step 2 - Complete a video survey
1. Login to IL Take Care app and add your policy.
2. Click on File a Claim using InstaSpect.
3. Add claim info, such as location, time and date of loss, and a short description of the damage.
4. The app will initiate a live survey.
5. Show the vehicle from different angles. Photos will be captured and synced. -
Step 3 – Provide supporting documents to process your claims
Upload the necessary documents, along with the e-claim form for repair approval.
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Step 4 - Damage assessment and repair cost estimation
ICICI Lombard will assess the damage to your car and determine the amount covered under the policy. Provide additional information or documents if needed.
How to raise a reimbursement claim
To reimburse your car repairing bills with ICICI Lombard Car Insurance, follow these steps.
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Step 1 – Register your claim
1. Register your claim by logging in to the insurer’s website.
2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
4. Register claims through WhatsApp on 7738282666.
5. SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com. -
Step 2 – Repair your car at any of your preferred garages
Get your vehicle repaired at your preferred garage, pay the bills, and keep the invoices.
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Step 3 - Submit the required documents
Upload the reimbursement claim form, the invoices, and the other necessary documents.
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Step 4 - Claim settlement
ICICI Lombard will review and compensate your approved claim amount as per the policy terms.
In case of a total loss such as theft, you can raise a claim and the IDV of your vehicle will be paid to you.
Documents required for raising a claim request
Here is the list of documents that you need to raise a claim request with ICICI Lombard Car Insurance.
- Copy of the car’s registration certificate (RC)
- Copy of your driving licence
- Insurance policy copy
- Duly filled and signed claim form
- FIR in case of theft, injuries to any third party or damage to their property
- Original bills of car repairs (in case of reimbursement claim)
Frequently asked questions
Step 1 – Register your claim
- Register your claim by logging in to the insurer’s website.
- You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
- You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
- Register claims through WhatsApp on 7738282666.
- SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com.
Step 2 – Complete video survey
- Login to IL Take Care app and add your policy.
- Click on File a Claim using InstaSpect.
- Add claim info, such as location, time and date of loss, and a short description of the damage.
- The app will initiate a live survey.
- Show the vehicle from different angles. Photos will be captured and synced.
Step 3 – Provide supporting documents to process your claims
Upload the necessary documents, along with the e-claim form for repair approval.
- Click on 'Get Quote’ button on this page to visit the online application form.
- Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
- Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.
- Choose ICICI Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
- Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
- Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
- Review your previously filled ICICI Lombard Car Insurance details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
To register a car insurance claim, you need to contact your insurance provider and provide them with details about the accident or damages. They will ask for your policy number, contact information, and the details of the accident such as the date, time, and location.
Yes, the ICICI Lombard third party car insurance policy covers partial theft. It provides coverage for loss or damages due to theft, burglary, or housebreaking, including partial theft, as long as it is not due to the owner's negligence.
The number of claims allowed under a ICICI Lombard Car Insurance policy depends on the policy terms and conditions. Some policies may have a limit on the number of claims made per year, while others may not. It is crucial to read and understand the policy terms and conditions to know the claim limits. Exceeding the number of claims allowed in a year may result in the policy being cancelled or premium hikes.
ICICI Lombard car insurance covers a wide range of risks, including accidental damage, theft, fire, natural calamities like floods and earthquakes, and man-made disasters such as riots and vandalism. It also includes third-party liability coverage and personal accident cover for the owner-driver, ensuring comprehensive protection for your vehicle.
The claim settlement ratio (CSR) of ICICI Lombard car insurance is a testament to its reliability. With a CSR of around 87.7% in FY 2020-21, ICICI Lombard demonstrates its commitment to processing and settling claims efficiently. This high ratio reflects the insurer's effectiveness in handling claims, providing policyholders with confidence and peace of mind that their claims will be addressed promptly and fairly.
The claim processing time for ICICI Lombard car insurance typically ranges from 7 to 30 days, depending on the complexity of the claim and the availability of required documents. Simple claims, such as minor repairs, can be settled quickly within a week, while more complex claims, such as total loss or theft, may take longer. Policyholders are encouraged to submit complete documentation promptly to expedite the process.
