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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.

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    ICICI Lombard Car Insurance Reviews

    • review Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My car policy is with ICICI Lombard. The services are good and it is not hectic to have a claim with them. But they have not approved a 100% claim for me, only 80%. It was easy and there was no delay in the approval in the process. Nice experience overall.
      Was this review helpful? 0
      , chandrapur
      Reviewed on Jul 17, 2018
    • review Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Last year also I used the service of ICICI Lombard. They were equally good in the benefits and the policy coverage like the current year. I have taken my car insurance policy from them. The premium is also nominal too. The policy documents will be sent on time.
      Was this review helpful? 0
      , nasik
      Reviewed on Jul 15, 2018
    • review Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with ICICI Lombard. The customer support is good. They have given me a good policy coverage. There are good benefits as well. The premium is also reasonable and the policy documents was sent to me on time. It has been a good services till date.
      Was this review helpful? 0
      , nasik
      Reviewed on Jul 15, 2018
    • review Car Insurance
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      ICICI Lombard is good overall in the process for the car insurance. I had taken my policy from them last year. They had a good deal in the policy coverage value and the plan benefits as well. The premium cost is normal and in all I had no hassles to get the policy through.
      Was this review helpful? 0
      , nasik
      Reviewed on Jul 13, 2018
    • review Car Insurance
      "Services are good"
      0.5 4.0/5 "Great!"
      I have my car insurance with ICICI Lombard. The policy coverage is good and the process to get the policy was also simple and easy. The premium cost is nominal. There are features of a road side assistance. The customer services are good overall.
      Was this review helpful? 0
      , tumkur
      Reviewed on Jul 11, 2018
    • review Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      From last 3 years that i am using as my car insurance. I have purchased it through the on line which is very quick and very easy and it is a paperless approval. The coverage is for Bumper to Bumper. The premium in my insurance is nominal. I had a no claiming experience in my insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 09, 2018
    • review Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      From my car insurance i had a no claiming experience. I have purchased the car insurance through the showroom. The premium is higher and the IDV is higher and it is satisfactory to me. Policy coverage is less which is not satisfactory to me. I am satisfied with the car insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 09, 2018
    • review Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased my car insurance through the showroom where i have got my car. Policy coverage is there and there is a road side assistance is also is there but i have not availed it. I had no claiming experience so far. I am using since 3 years. Premium is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 07, 2018
    • review Car Insurance
      "Hassle free process"
      0.5 4.0/5 "Great!"
      My car insurance is with ICICI Lombard this year. The process is good. They offered me a good policy coverage. There are facilities of road side assistance too. The premium is normal and the payment mode is also convenient and easy to process.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 29, 2018
    • review Car Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      My car insurance is with ICICI Lombard. The process and customer services are good and there are no issues . I am okay with the IDV and the process to buy the policy. Fortunately I have not had any claim experience to check the actual services provided.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 16, 2018
    • review Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My initial car insurance was with ICICI Lombard. The process and customer services are good. They had features of a third party coverage and also the other benefits. But the following year the premium costed much. I mainly chose another provider because of the costly premiums. The IDV was also not to my satisfaction.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • review Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have got through the physically where i have got at my doorsteps. Documentation is simple and done through the physically. I had no claim. I have been holding since 2 years. Payment i do yearly once in the office. B to B coverage is there in my insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • review Car Insurance
      "Premium is high"
      0.5 4.0/5 "Great!"
      I think the premium with ICICI Lombard is some what high while comparing with other competitor. All the benefits are included in this policy. I could not able to experience much with this policy as there is no claim for my vehicle. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 09, 2018
    • review Car Insurance
      "Satisfied with the features & process"
      0.5 4.0/5 "Great!"
      My earlier car insurance was with ICICI Lombard. The process was smooth as well. Since there was no claim experience so I never got a chance to experience the actual service. Else the IDV and the premium is okay for me. The services are good too.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 09, 2018
    • review Car Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      The insurance i have taken for my car is from ICICI LOMBARD GENERAL INSURANCE. It is completely a paperless and i have applied it from the on line. They offered me a good IDV and added on that the premium is good. There was no hassles in the process.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 05, 2018
    • review Car Insurance
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      ICICI Lombard was not up to the mark in the car insurance. The services can be better. I used the services and they can offer more benefits and a better IDV as well. Even the premiums can be more affordable when compared to the other insurance provider.
      Was this review helpful? 0
      , gulaothi
      Reviewed on Jun 04, 2018
    • review Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Lombard was good too for the car insurance. The customer support was good. There were no hassles in the process as I got the same through the dealer. They also offered me a good IDV and the premium is normal. There was also a road side assistance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 02, 2018
    • review Car Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I have used for 4 years. The premium is cheap and lower when compared to the other insurance. Facility is more and i had 3 times claiming from my insurance and it is excellent. Cashless garage is also great. From showroom i got my insurance. I am happy holding this insurance.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 30, 2018
    • review Car Insurance
      "Service is upto the mark"
      0.5 4.5/5 "Excellent!"
      I experience the claimed benefits. But it is up-to the mark. When i met an accident i applied the garage facility. The policy is covered within a week the car body and color and everything changed. Some minor bend was there it was not covered. I have paid the premium of Rs. 9000/Annually.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 14, 2018
    • review Car Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have a car insurance taken from Hdfc Ergo, it's a good policy I have no issues with it. The policy coverage is also good where the premium is normal and the Idv is also good. The processing of the policy was done on time, the customer service was also good. Over all I am happy with the policy.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 08, 2018
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