Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • ICICI Lombard Car Insurance Claims

    ICICI Lombard Car Insurance

    Overview

    In the event of an accident or breakdown or any other loss/ damage to the insured, the ICICI Lombard car Insurance policy offers quick assistance on the claims process and offers cover to the extent to which the policy has been availed.

    Features of ICICI Lombard Car Insurance

    • Avail cashless repairs and expedited repairs at authorized garages when you are insured under the ICICI Lombard Car Insurance.
    • Enjoy free towing and pick-up service in the event of an accident.
    • Dedicated customer service available to suggest network garages, provide guidance after an accident and so on.
    • More than 3300 network garages where customers can go for cashless repairs.
    • Six months guarantee on the quality of the repairs done.
    • Service Managers to conduct loss assessment survey of the insured vehicle, within 4 hours of the accident.

    ICICI Lombard Car Insurance Claims Process

    • Accident Claim

      In the event of an accident, the insured has to take down the registration number of the other vehicle which is also involved in the accident. Get the name and contact information of the witnesses available. Once you have this information, you can contact the ICICI Lombard customer care in the toll-free number and get your claim reference number. The customer care executive will assist you with the documentation details required for claim processing and information regarding the preferred network garage. You should also go to the nearest police station and file an FIR if there has been any theft, injury, property damage and so on.

    • Cashless Claims Process after Registering Claim

      Once the Claim has been registered, the Customer Service Manager of the company will contact the policy holder. The policy holder should then submit the essential documents to the Customer Service Manager or the dealer and get it verified against the original documents. The Customer Service Manager will then estimate the cost of repairs and after the assessment, he/she will give a spot approval. Any payment that has to be made by the company towards expenses incurred at an authorized garage, will be directly reimbursed to the garage by the company upon completion of the repair work. Payments exceeding the amount covered by ICICI Lombard Motor Insurance Policy should be borne by the policy holder himself, as per the instructions of the Customer Service Manager.

    • Reimbursement Claim Process

      In the event of an accident, the insured has to take down the registration number of the other vehicle which is also involved in the accident. Get the name and contact information of the witnesses available. Once you have this information, you can contact the ICICI Lombard customer care in the toll-free number and get your claim reference number. After registering the claim, the Customer Service Manager of the company will contact the policy holder. The policy holder should then submit the essential documents to the Customer Service Manager or the dealer and get it verified against the original documents. ICICI Lombard General Insurance Company will then initiate the claims process and reimburse the claim amount, which has been approved, to the customer.

    Documentation for ICICI Lombard Car Insurance Claim Process

    Accident Claims

    • Duly signed Claim form
    • Copy of Driving License
    • RC copy of the insured car
    • Copy of first 2 pages of the car insurance policy
    • Original estimate
    • Copy of FIR
    • Original repair invoice and receipt of payment. In case of an authorized cashless garage, only the repair invoice is required.

    Theft Claims

    In the event of theft, the insurance holder must register the claim at the ICICI Lombard call center at the toll free no. 1800 2666. The documents to be submitted are:

    • Duly signed Claim form
    • Copy of Driving License
    • RC copy of the insured car with all original keys
    • Copy of first 2 pages of the car insurance policy
    • Original estimate
    • Copy of original FIR
    • Duly signed RTO transfer papers with forms such as Form 29, Form 28, Form 30 and Form 35.
    • A no trace final report from the police.

    Third Party Claims

    • Duly signed Claim form
    • Copy of Driving License
    • RC copy of the insured car
    • Copy of the car insurance policy
    • Copy of the police FIR

    Frequently Asked Questions (FAQs)

    1. How can I register a car insurance claim?

      Contact the toll free customer care no. 1800 2666 to register your claim. The customer service executives will help you with further details and give you a claim reference number.

    2. What are the incidents that should be reported to the police?

      Incidents such as injury to third-party or to self, damages to third-party property or theft, etc. in which the insured car is involved, should be reported to the police.

    3. What are the deductibles for a private car?

      The compulsory deductible for a private car is Rs. 1000 for vehicles with an engine displacement of 1500 cc or less and Rs. 2000 for vehicles with an engine displacement of more than 1500 cc.

    4. What does constructive total loss mean?

      Constructive Total Loss is the accidental damage or loss to the insured vehicle where the aggregate cost of repairs or for retrieval is more than 75% of the IDV on the car insurance policy.

    5. If an accident occurs during the policy period and I lodge a claim after the expiry of the policy, is it still valid?

      Yes, the claim will be valid since the accident occurred during the policy period.

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