ICICI Lombard Car Insurance

Add-On Covers of ICICI Car Insurance

The ICICI Lombard Car Insurance Policy offers a host of add-on covers that enhance your protection level and reduce your applicable liabilities. These add-on covers are listed below-

1. Zero Depreciation: Avoid deductions for depreciation with this cover.

1. Roadside Assistance: Receive help for breakdowns and accidents, up to 4 times a year.

1. Consumables: Covers replacement of vehicle consumables after an accident.

1. Return to Invoice: Pays the difference between IDV and actual purchase value in case of total loss.

1. Engine Protect Plus: Covers engine, gearbox, and differential repairs.

1. Garage Cash: Provides daily allowance during garage stays or lump sum for total loss.

1. Loss of Personal Belongings: Covers damaged or lost personal belongings in the car, with police FIR required.

1. Key Protect: Covers repair or replacement of car keys and locks.

How to Apply for ICICI Lombard Car Insurance Online?

To apply for ICICI Lombard Car Insurance online, follow these steps:

1. Step 1: Visit ICICI Lombard's official website at https://www.icicilombard.com/motor-insurance/car-insurance

1. Step 2: Provide your Mobile Number and Email address

1. Step 3: Enter the first three letters of your RTO City

1. Step 4: Input your Car Model and Purchased Year

1. Step 5: Select your preferred plan from the available options

1. Step 6: Customize the plan according to your requirements

1. Step 7: Click on "Buy Now" A quote will be generated, and you will be directed to a new page for payment.

Inclusions of ICICI Lombard Car Insurance

1. Protection against natural disasters such as earthquakes, floods, fires, and storms
2. Personal Accident Cover of up to ₹15 lakh
3. Cashless repairs available at 13,000+ network garages
4. Choice of 9 additional add-ons for enhanced coverage
5. Comprehensive protection against theft, accidents, and terrorist activities
6. Coverage for third-party legal liabilities
7. Up to 50% No Claim Bonus
8. Instant survey facilitated through InstaSpect

Exclusions of ICICI Lombard Car Insurance

1. General and natural ageing that results in wear and tear.
2. Damage caused to vehicle when the driver wasn’t carrying a driver’s license, and/or driving under the influence of alcohol or other mood/mind stimulating substances.
3. Mechanical or electrical breakdown.
4. Damage to vehicle by war, mutiny or nuclear attacks.
5. Consumables like oil, grease, etc.
6. Depreciation in line with the market scenarios and other external conditions.
7. Loss of the vehicle or damage incurred that can be sufficiently proven to be deliberate or consequential. Any contractual liabilities are also excluded from the scope of the policy.

How to Claim ICICI Car Insurance?

Raising a claim on your ICICI Lombard Car Insurance Policy is a simple 4 step process as listed below,

1. Notify the Loss to ICICI Lombard: You can do this by any of the two methods as marked below:
   1. SMS ‘CLAIM’ to 575758. ICICI Lombard’s customer service representative will get back to you in 30 minutes and ascertain the circumstances surrounding the accident or theft. You will be given a claim number and directed to an appropriate garage.
   2. Call ICICI Lombard . You will be issued a claim number and directed to an appropriate garage.
2. Documentation: Avail the option for free pickup or towing service as offered by select garages. Next, the claim application process begins with a ICICI Lombard customer support manager reaching you for the relevant documents, that also needs to be verified against the originals. These include Registration Certificate, Policy Certificate and other documents as required by the garage (in case of a network garage). If the accessed garage isn’t part of the ICICI Lombard network, then these documents need be submitted to the company’s customer service representative.
3. Survey: Experts from ICICI Lombard will survey the damaged vehicle to quote a prospective cost and duration for repairs. The brief will also help you estimate your personal liability against the coverage offered.
4. Claim Settlement: Where cashless claims are concerned, the customer is expected to pay the applicable difference in payment (deductible) to the garage before taking possession of the vehicle. In cases of reimbursement claims, you clear the payments with the garage followed by submitting the requisite documents to ICICI Lombard. The latter will reimburse you for the costs incurred.

Documents Required to Claim ICICI Motor Insurance:

For accident claims:

1. Duly signed claim form
2. Original Estimate
3. Vehicle’s RC copy
4. FIR on a case-to-case basis
5. Copy of Driving License
6. First two pages of the Policy copy
7. Original Repair Invoice and Payment Receipt. In case of cashless garage service, only repair invoice is required.
8. If it is a company registered vehicle company stamp is required.

For Theft Claims:

1. In the event of theft of a vehicle, customers must immediately call the call-center and register the claim without further delay.
2. Duly signed claim form
3. Vehicle’s RC copy with all original keys
4. Duly signed RTO Transfer Papers along with Form 28, 29, 30 and Form 35.
5. Copy of Driving License
6. Copy of the Policy
7. Original FIR copy
8. Form 29 & 30 are needed in duplicate and Form 28 is needed in triplicate.
9. Final no trace report from the police saying that the vehicle cannot be located.

For Third Party Claims:

1. Duly signed claim form
2. Copy of Police FIR
3. Copy of Driving License
4. Copy of first two pages of the policy
5. Copy of the vehicle’s RC