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    ICICI Lombard Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    ICICI Lombard Car Insurance is one of the products offered by ICICI Lombard General Insurance Ltd, one of the biggest private players in the insurance sector in India. The company is a joint venture between the country’s second largest bank ICICI Bank Limited and Canadian financial services company Fairfax Financial Holdings Limited.

    Car Insurance Online ICICI Lombard

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 3500+
    Incurred Claim Ratio 2016-17 78.91%
    Net Earned Premium NA
    Covers Provided
    • Zero depreciation
    • No claim bonus
    • Consumables cover
    • Garage cash
    • Return to Invoice
    • Roadside assistance
    • Engine protect plus
    • Battery jump start
    • Message relay
    • Accommodation
    Features
    • Quick claim settlement
    • Instantaneous purchase
    • Hassle free claim settlement
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Special discounts-Policyholders who are registered members of the Automobile Research Association of India can avail a special discount of up to 5% and an additional 2.5% if there is an approved anti-theft device installed in the car.
    • Easy purchase & renewal- ICICI Lombard car insurance policies are issued online at the click of a button with very minimal paperwork. The renewal process is also quick, easy and can be done online in a matter of minutes.
    • Cashless garages- With a good and wide network of more than 3500 network garages spread across the country, ICICI Lombard provides customers assistance during emergency situations.
    • A wide range of add-on options- ICICI Lombard offers a variety of attractive add-on options including towing assistance, accommodation benefit, garage cash, engine protect plus, etc.
    • 24/7 call center- Assistance will be provided at any time of the day. Customers can contact the emergency toll-free number and make use of the towing services which will be available 24/7. In case the vehicle needs to be towed, charges up to Rs.1500 will be covered.
    • Hassle-free claim settlement process- It is very easy to file a claim with this insurance provider. Their 24/7 customer support team works round the clock to settle claims in a smooth and efficient manner. Minor claims can be settled instantly through the network of cashless garages.

    Easy Steps To Apply for ICICI Lombard Car Insurance Online

    • Log on to the ICICI Lombard website and click on the car insurance link
    • Click on the option to ‘Buy New Policy’ and proceed
    • Fill in your mobile number and email address
    • Click on the get quote option. You will be redirected to another page to fill in more personal details.
    • Once you fill in details, click on proceed and you will get a quick insurance quote
    • If you are happy with the quote, click on the ‘Buy Now’ option. If you have any specific requirements specify and choose your add-on options.
    • Proceed to make payment. The insurance policy will be sent to you immediately.

    Why ICICI Lombard Car Insurance

    Effortless policy purchase
    Easy renewals
    Hassle-free claim settlement process
    Wide range of add-ons
    Special discounts
    Zero depreciation cover
    Policy switch option
    Daily commute allowance

    Add-on covers on ICICI Lombard Car Insurance

    ICICI Lombard offers an extensive and wide range of add-on cover options to customers. Let's explore them.

    • Zero depreciation- The vehicle will be protected against any kind of loss that arises due to the depreciation of the vehicle on the whole or depreciation of specified parts in the car. The policyholder is thus entitled to receive the full claim amount without any deductions due to depreciation.
    • Return to invoice- Under this add-on, the policyholder will receive damages worth the original purchase invoice price. In other words, the gap between the car insurance settlement amount and the actual cost of the vehicle including road tax and other prerequisites will be included.
    • Engine protect Plus- The insurance provider will cover expenses towards the repair and replacement of engine parts, differential parts and gearbox parts of the insured vehicle if damage has occurred due to leakage or ingression of lubricating oil.
    • Battery jump start- If the vehicle breaks down and stops running due to a battery issue, a technician will take care of the issue.
    • Message relay- In the case of an unforeseen emergency, the insurance provider will take the initiative to send the message to family members or specified persons as mandated by the policyholder.
    • Flat tyre replacement- The insurance company will provide the policyholder the benefit of availing services in case of a flat tyre. The repair and maintenance for the same will be taken care of as per the policy terms.
    • Arrangement of rental vehicle- A separate vehicle will be arranged to provide the policyholder an alternate means of transport in case of a breakdown, accident or any other unfortunate event.
    • Legal adviser- The insurance provider will make arrangements to provide the policyholder legal help in case of an accident or breakdown. Contact details of established legal experts will be shared.
    • Referring a hospital- In a situation where the policyholder or others travelling in the car require hospitalization, a list of references for specified, good quality hospitals will be provided. A contact list will be shared.
    • Loss of personal belongings- Cover will be provided for personal items like laptops, clothes, phones, etc, that remain locked in the car during an unfortunate event. A sum of Rs.500 has to be paid as deductible to avail this claim.
    • Roadside assistance- Services such as towing assistance, breakdown support, the supply of fuel, key replacement, etc, will be provided to the policyholder at the time of an emergency.
    • Accommodation assistance- If the car in concern is rendered immobile due to an accident, the insured party will be eligible to avail hotel accommodation for one day at the price of up to Rs.5000. However, this benefit is only offered if repair work extends for 12 or more hours.
    • Taxi benefit-Taxi services will be taken care of for a distance of at least 50 km. For this, the accident or breakdown should have occurred at least 50 km away from the residence of the insured party.
    • No claim bonus- Policyholders will be eligible to avail a discount on their premium during renewal.
    • Key protect- The insurance company will cover costs towards repair and replacement of keys and locks due to theft, accident, breakdown, natural calamities or if damage has been caused to the lock and key. Not more than two claims can be made for this add-on in a policy year.

    Inclusion & Exclusion ICICI Lombard Car Insurance

    Inclusions Exclusions
    Theft or loss of keys Valid only in India
    Loss of personal belongings Accident due to intoxication
    Tyre damage Damage due to own negligence
    NCB Mechanical or electrical breakdown
    Engine repair & replacement Loss due to nuclear risks
    Roadside assistance War related risks
    Loss or damage due to man-made calamities  
    Loss or damage due to natural calamities  
    Third-party liability  
    Own damage cover due to natural & manmade calamities  
    Personal accident cover  

    Insured Declared Value - ICICI Lombard Car Insurance

    • The insured declared value (IDV) of the vehicle will be 5% for a period of 6 months and the value of the IDV amount will be determined at the time the policy is issued and this also depends on the manufacturer’s listed price.
    • For those vehicles that are older than 5 years, the IDV is calculated based on an understanding between the insured and the insurance provider.
    • IDV will usually be considered as the market value during the policy year without taking into account depreciation. Below is a sample of how IDV is determined:
    Age of vehicle % of depreciation
    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 year but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    ICICI Lombard Car Insurance Cashless Garages

    ICICI Lombard customers can avail cashless services from the wide network of over 3500 cashless garages spread across the country. To locate the nearest garage, log on to their website. Remember, policyholders have the exclusive benefit of availing services even at other garages and then get the expenses incurred replaced.

    Claim Process ICICI Lombard Car Insurance

    In the case of an accident, breakdown, theft or any other unfortunate event, customers will be provided immediate assistance during the entire claim process. Policyholders need to first make a call on the company’s toll-free number to initiate a claim. Cashless repair services can be availed or reimbursement can be claimed for expenses incurred. Customers can avail the facility of free-pick up, towing and wash at the empanelled list of network garages.

    Cashless Claim Process ICICI Lombard Car Insurance

    Let’s explore the cashless claim process:

    • Call the toll-free number and register for the required service after providing your policy details.
    • The car will be towed to the nearest network garage and will you be contacted by the customer service manager.
    • Provide the necessary documents.
    • The car will be repaired at the network garage and the payment will be made by your insurance provider.

    Reimbursement Claim Process ICICI Lombard Car Insurance

    Let’s explore the reimbursement claim process:

    • Fill in the claim form
    • Provide all relevant documents such as RC copy, DL, policy copy, and FIR copy along with other bills and invoices.
    • Claims will be reimbursed within 7 working days.

    ICICI Lombard Car Insurance Reviews

    • review Car Insurance
      "better policy"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the Private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium amount is very high by comparing with my previous policies.I didn't get Hard copy of my policy document, Even i contacted the customer care. I didn't have any claim experience so i am unable to comment on it.
      Was this review helpful? 0
      , dhanbad
      Reviewed on Mar 18, 2018
    • review Car Insurance
      "Digitalized policy"
      0.5 5.0/5 "Blown Away!"
      I own a Car insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. I prefer to make online payments to renew my Car insurance policy with in the due time. I had a good communication regarding new products and their updates.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2018
    • review Car Insurance
      "Garges should be nearest Place"
      0.5 3.0/5 "Satisfactory"
      ICICI Lombard was not so good, I feel the premium was on the higher side even my claim process got delay. ICICI Lombard got tie up long distance garages, they haven't done good service. The fitting was not well, water on head line they have removed. It would be great if they get tie up with the nearest garages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2018
    • review Car Insurance
      "Policy cost should be competitive"
      0.5 4.0/5 "Great!"
      The premium is slightly expensive in ICICI lombard than other insurance companies, hence I didn't go again with them. They have same features like third party cover, road side assistance, accidental cover, no claim bonus. Only concern about the policy cost, it would be great if they give competitive price , many people can avail it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 13, 2018
    • review Car Insurance
      "Good Experience"
      0.5 4.0/5 "Great!"
      When I parked my vehicle in the basement my car wind shield part got damaged. I had ICICI Lombard at the time, it was zero depreciation plan. Hence I went to the service center in Ghaziabad, surveyor came and done the process on time. They gave me the cash less service based on the IDV value.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 13, 2018
    • review Car Insurance
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      As long as I used ICICI Prudential for the car insurance, the process was good. There were no issues. The premium was normal and there were the normal features and benefits. The IDV is also good. Though I did not have any claim experience. The process was good.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 07, 2018
    • review Car Insurance
      "Cost should be lesser"
      0.5 4.0/5 "Great!"
      I would say ICICI Lombard was also good, when it comes to the cost, car insurance premium is higher around Rs. 13,000 it has same features as others. Last time they done good service, ICICI Lombard have sent me the car insurance policy copy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • review Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      My previous car insurance provider was Icici Lombard. The policy was fine as everything went well. At the time of claim I got the same day approval and they took my car to the service center and got it fixed. So I have no complaints and I was satisfied with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • review Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      Previously I had a car insurance policy from private sector company which is Icici Lombard I have not taken any claim from the policy,the policy is fine my final premium amount was also OK and the Idv I was receiving was also good. So I was satisfied with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • review Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I previously had a car insurance policy from Icici Lombard. I did not face any kind of issue with the policy. It went well, the final premium amount was OK and even the IDV. I did not make any claim from the policy. So I would like to rate it average policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • review Car Insurance
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance policy from a top most private sector company ICICI LOMBARD GENERAL INSURANCE. I can prefer on line payments type to renew my car insurance policy with in due time. My annual premium amount is Rs. 11000/- which is very reasonable. I didn't have any claim experience so i cant able to comment on it. They couriered my policy document as a hard copy to my registered communication address and e copy to my registered email also.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 25, 2018
    • review Car Insurance
      "a good experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from private sector company ICICI LOMBARD GENERAL INSURANCE.The customer support is good and well responsive. I can prefer on line payments type to renew my Car insurance policy. Most of all benefits are covered under one policy.
      Was this review helpful? 0
      , puttaparthi
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I had car insurance policy from Icici Lombard previously, and I was satisfied with that policy as I had to make a claim it was settled good. But after I took a claim my premium amount got increased so I had to make changes to my insurance policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I had applied and got a car insurance policy from the private sector company Icici Lombard and I was pretty much satisfied with their services, they kept calling time to time to update me about my policy during the processing time. The policy and the customer service both were good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "service is not up to mark"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Car insurance from well known insurance company ICICI LOMBARD GENERAL INSURANCE. My premium is very high by comparing with other insurance polices. I didn't have any proper communication regarding updates and product information. I didn't have any claim experience so i cant able to comment on it. I didn't have any followup's and no valuable relationship with the ICICI Lombard insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "a best experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a private sector company ICICI LOMBARD GENERAL INSURANCE one year ago. The best feature is most of all benefits are covered under one policy. The customer support is good and well responsive. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "service is not up to mark"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Car insurance policy from a private insurance company ICICI LOMBARD GENERAL INSURANCE. I faced some issues like customer support. They would not responded for my issues and requests.My premium is Rs. 11,000/- which is quite high by comparing with other premiums.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • review Car Insurance
      "Poor"
      0.5 2.0/5 "Expected more"
      I had a car insurance policy from Icici Lombard. The policy was fine but the premium was too high. I don't have any claim experience, hence I cannot comment on that. But due to high premium as compared to the other policies I wouldn't rate it good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • review Car Insurance
      "satisfied"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a car insurance from a private sector insurance company ICICI LOMBARD GENERAL INSURANCE. I didn't have any claim experience so i cant able to comment on it. But i got some claim benefits from Icici Lombard. I can choose on line payment type to renew the policy.
      Was this review helpful? 0
      , silvassa
      Reviewed on Feb 17, 2018
    • review Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I had a car insurance policy from Icici Lombard. I was very much satisfied with the policy as the premium I paid was good and the Idv was also around Rs. 1,20,000, Premium was around Rs. 4100. I did not make any claim from the policy but services were fine.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 17, 2018
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