ICICI Lombard Car Insurance

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Icici Lombard Car Insurance
  • 5900 Cashless garages

  • Plan starting @ ₹ 2094#

  • 96.75% Claim settlement ratio

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      ICICI Lombard Car Insurance

      The ICICI Lombard car insurance policy provides legal and financial coverage to the insured car if an unforeseen incident occurs on the road. Losses arising from third-party liabilities, theft, fire, natural or manmade calamities, etc., are covered under this motor insurance policy by ICICI Lombard General Insurance Company.

      Read more

      About ICICI Lombard General Insurance Company

      ICICI Lombard General Insurance Company is a joint venture between ICICI Bank and Fairfax Financial Holdings Limited, a Toronto-based financial services company. This insurance provider operates in various sectors, offering general insurance, reinsurance, and claims management services. Motor insurance is one of the critical areas they specialise in.

      Recognised for its customer-centric approach and innovative insurance solutions, ICICI Lombard also places significant emphasis on the welfare of communities. They are actively involved in health, road safety, disaster support initiatives, and other areas.

      Key Features of ICICI Lombard Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 96.75%
      Personal Accident Insurance Up to Rs. 15 Lakh
      Network Garages 5900+
      No Claim Bonus Yes
      No. of Zero Dep Claims N/A

      Benefits of ICICI Lombard Car Insurance

      By purchasing ICICI Lombard car insurance, a policyholder can avail of the following benefits:

      • Policyholders can avail of cashless repairs in 5900+ network garages in India.
      • The insurance company offers a quick, easy and hassle-free purchase process.
      • The claim process for car insurance is also easy and fast as it can be done via the website, app and call centre.

      Types of ICICI Lombard Car Insurance Policy

      The insurance company offers three types of car insurance policies to car owners. These include:

      1. ICICI Lombard Third-Party Insurance

        Under ICICI third-party car insurance, coverage is offered against accidental third-party liabilities arising from the insured vehicle. This policy covers death, injury or property damage of the third person. 

        The compensation offered in case of death or disability is unlimited (as decided by the Motor Claims Tribunal), while for property damages, it's limited to Rs. 7.5 Lakh.

      2. ICICI Lombard Standalone Own Damage Insurance

        An ICICI Lombard own damage insurance compensates a policyholder if their car sustains damages or losses due to a road emergency. These include damages from fire, theft, natural calamities, road accidents or manmade acts. 

        A SOAD car insurance can be purchased by policyholders who already have an existing third-party plan and want to cover their car from own damages as well.

      3. ICICI Lombard Comprehensive Insurance

        ICICI Lombard comprehensive car insurance covers third-party damages and own damages sustained by the insured car. Damages caused due to road accidents, theft, fire, strikes, riots, earthquakes, etc., along with third-party damages, are covered under this car policy. 

        Furthermore, an ICICI comprehensive car insurance policy can also be enhanced by purchasing add-ons at an extra premium.

      ICICI Lombard Car Insurance Premium Calculator

      An ICICI Lombard car insurance premium calculator can be used to get an estimated premium of car insurance before purchasing a policy.

      Coverage Under ICICI Lombard Car Insurance

      • Third-Party Damages: Liabilities arising from third-party death, disability or property damages.
      • Fire: Losses sustained by the insured four-wheeler due to fire, self-ignition or explosion
      • Theft: Total or partial loss of the insured car due to theft, burglary or housebreaking is covered under the ICICI motor insurance policy
      • Natural Disasters: Damages sustained by the insured car due to cyclones, earthquakes, hurricanes or any other natural calamity
      • External Means: Accidental damages caused due to collision or road accidents
      • Man made Disasters: Damages sustained by the insured four-wheeler due to strikes, riots or terrorist activities
      • In-Transit Damages: Damages to the insured car while it was in transit via rail, water, air or road are also covered.
      • Breakdown: Mechanical or electrical breakdown sustained by the insured car
      • Wear and Tear: General wear and tear and depreciation borne by the insured vehicle are excluded from policy coverage
      • Drunk Driving: Accidental damages arising as a result of drunk driving or driving under the influence of drugs
      • Invalid Driving License: Accidental damages sustained by the insured vehicle when the driver was not carrying a valid driving license are not covered under the policy
      • Geographical Location: Damages sustained by the insured car outside the geographical location as mentioned in the policy wordings.

      ICICI Lombard Car Insurance: Add-Ons
      Engine Protect

      An Engine Protect cover compensates for the repair or replacement of a car’s damaged engine.

      If your vehicle’s engine or its parts are damaged due to water-logging, this add-on can come in handy.

      Read more
      Zero Depreciation Cover

      A zero dep or nil depreciation cover allows the policyholder to get compensated even for the depreciation sustained by the insured car. This depreciation is not usually covered in a standard policy.

      However, by buying a zero dep cover, you can cover this depreciation as well.

      Read more
      Loss of Personal Belongings

      This car insurance add-on compensates for the loss of personal belongings that were

      present in the car at the time of the accident or theft.

      Read more
      Consumables Protect

      A Consumables Protect add-on provides coverage for the repair or replacement of consumables of the insured car.

      Consumables include nuts and bolts, screws, washers, grease, oil filter, etc..

      Read more
      NCB Protect

      The No Claim Bonus received under a motor insurance policy gets nullified if a policyholder makes a claim during the policy tenure.

      Thus, to protect your NCB from becoming zero, an NCB Protect add-on can be purchased at an additional cost.

      Read more
      Return to Invoice

      By purchasing a Return to invoice add-on, a policyholder can receive the invoice value of the car at the time of total loss or theft.

      Moreover, the insurer compensates the insurer for the road tax and registration charges during the settlement of the car insurance claim.

      Read more
      Key Protect

      A Key Protect add-on offers you compensation for the repair or replacement of car keys

      and locks at the time of theft/burglary/loss or damage to the keys of the insured vehicle.

      Read more
      Roadside Assistance Add-on

      A roadside assistance cover helps policyholders with the repair of their car in case it breaks down on the road.

      The insurer offers services like towing of cars, supply of fuel, arrangement of keys, and battery jumpstart.

      Read more
      Tyre Protect

      Damages to a car’s tyres are usually not covered in a standard car insurance policy.

      By opting for the Tyre Protect add-on, you can get compensated for the repair or replacement of your car’s tyres damaged due to an unprecedented accident.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

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      How to Renew ICICI Lombard Car Insurance?

      Follow these steps for ICICI Lombard car insurance renewal from Policybazaar.com:

      • Visit Policybazaar.com and choose "Car Insurance" from the homepage.
      • Enter your car number in the provided form.
      • Provide the details of your car, including RTO, make, model, variant, and registration year, on the subsequent pages.
      • Select the ICICI Lombard car insurance from the mentioned list of plans
      • Choose any desired add-ons to include in your plan
      • Once you have made your plan and add-on selections, proceed with the premium payment
      • Use the online payment mode to pay the premium amount securely.
      • After completing the premium payment, your four-wheeler insurance policy papers will be mailed to you.

      How to File a Claim Under ICICI Lombard Car Insurance?

      Follow these steps to file an ICICI car insurance claim:


      Inform the Insurer:

      Firstly, inform the insurance company about the damages sustained by the insured car within the next 48 hours.


      Damage Assessment:

      A surveyor will be sent to assess the damage sustained by the insured vehicle


      Submit Documents:

      Submit the required documents to the surveyor for claim verification.


      Claim Settlement:

      The insured car will now be sent to the network garage for repairs. Once the vehicle has been repaired, the insurer will directly settle the claim with the garage. In reimbursement claims, the claim amount will be reimbursed to you once the repairs are complete.

      Documents Required to Raise a Claim Under ICICI Lombard Car Insurance

      Following are the documents needed to raise an ICICI Lombard car insurance claim:

      • Duly filled and signed claim form
      • KYC documents
      • Copy of motor insurance policy
      • Copy of vehicle RC
      • Bills of repair
      • Estimates of repair
      • Copy of Police FIR
      • Licence copy of the driver driving the vehicle during the accident

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      • Q4. Are there any discounts offered on the ICICI Lombard car insurance policy?

        Ans: A policyholder can avail of the following discounts on the purchase of ICICI Lombard car insurance:
        • Discount on installing ARAI-approved anti-theft devices
        • Discount for becoming a member of the Automobile Association of India
        • NCB discount
        • Discount on opting for voluntary deductibles
      • Q5. How to check ICICI car insurance policy status online?

        Ans: You can check the status of your ICICI four-wheeler insurance policy online from the insurer's website or Policybazaar.com. Simply log in to your account and know the status of your policy from the dashboard if you have purchased a policy from us. You can also get a ICICI Lombard car insurance policy download from here only.
      View more FAQ’s

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      ICICI Lombard Car Insurance Reviews & Ratings

      4 / 5 (Based on 24 Reviews)
      (Showing Newest 10 reviews)
      Ooty, July 25, 2016
      Good Policy
      Car insurance i have is fantastic which i have took from icici loambard insurance. Premium is low with tow car facility at any location. The vehicle is secure except tires of the car. Garages are many and because of that the service is facilitate without any delay.
      Godavari, July 08, 2016
      Car insurance
      The car insurance plan of my new car is fantastic which has low premiums and provide tow service absolutely free. The policy coverage is high even the whole car is secure and full repairing for it except tires. Service is very nice and garages are many so no waiting in the queue for servicing.
      Alwar, June 25, 2016
      Good Car Plan
      My car insurance plan has number of benefits like the car tow facility at any location. Premium is low and policy cover whole car except fiber parts, tire and interior of the car. Claims are high and easily sanctioned due to fast service facilitate by the executives. Nice insurance policy.
      Ashok_nagar, March 14, 2016
      Policy coverage is ~85% and the premiums are low but the yeah the service is bit slow and the fiber parts are not included in the policy plan. Good number of garages are working under this plan. Good work, icici lombard car insurance.
      Sonipat, March 14, 2016
      Okay Policy Plan
      I have car insurance policy plan like every one else have but i buy it from icici lombard general insurance. Policy coverage is 70% and claims are good but not for fiber parts and the interior of the car. Service is okay and the number of garages are around 80% of the city.
      Begusarai, March 14, 2016
      I bought car insurance policy plan from icici lombard general insurance. Policy coverage is 95% and the claims cover the whole car damages including the fiber parts. Service provided by the executives are good with nice behaviour.
      Bengaluru, March 14, 2016
      Damn Good
      My car insurance policy plan is the best and i took it from icici lombard general insurance. Policy coverage is 97% and the claims are high. Investments are low but returns are many like toe car facility is free and the number of garages are high.
      Kolkata, March 14, 2016
      Okay car insurance policy i have from icici lombard general insurance. Claims are not high but okay. Fiber parts and interiors are not included in policy plan. Service is slow and number of garages are not much. Toe car facility is chargeable.
      Karim_nagar, March 14, 2016
      Great Policy Plan
      Great policy and great work icici lombard car insurance. Policy coverage is 96% and the premiums are Rs.2300 Per month. Claiming amount is ~3 L and the service providers behave very well with fast service. Large number of garages are there for customer help on time.
      Panipat, March 14, 2016
      Nice Experience
      I have car insurance policy plan with icici lombard general insurance. Huge number of garages are there and they providing great services. The fiber and interior parts are also included in the claims. Policy coverage is 80% with low premiums. Good work team.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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