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ICICI Lombard Car Insurance

Car Insurance
  • Get third party cover at low premiums
  • 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 NA
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.