Insurance is like a spare tyre. You may not require it, but not having one is not an option.

ICICI Lombard Motor Insurance

ICICI Lombard General Insurance Company Ltd. is one of the top general insurance providers in India. The company provides various kinds of general insurance products for the benefit of its vast customer base.

The insurance solutions offered by the company safeguards your family from unexpected events in life. A customer can buy insurance for personal purposes and business liabilities across urban and rural regions in the country. The comprehensive motor insurance policy offered by the company provides extensive coverage. In addition to this, there are ample add-on protection plans that can be purchased separately to enhance the motor insurance coverage.

Why Should You Buy Motor Insurance From ICICI Lombard?

The reasons for buying ICICI Lombard motor insurance are many, as indicated below:

  • The company is one of the leaders in the industry to offer long-term two-wheeler insurance to customers.
  • ICICI Lombard offers a bouquet of add-on covers that takes good care of your vehicle.
  • The insurer is affiliated to more than 2,150 network garages where you can avail cashless claim facility for your two-wheeler. The number of network garages for cars is more than 3,450.
  • The insurer offers a roadside assistance cover that lets you enjoy your journey without having to worry about punctured tyres, empty fuel tank, vehicle breakdown, etc.
  • You will be able to effortlessly transfer your accrued NCB to a different insurance company.
  • The insurance provider offers instant issuance of two-wheeler insurance policies, even if the coverage has lapsed.
  • The insurer is now offering the facility of self-inspection of the car using the Insure mobile app. Once you have made the payment for a break-in insurance policy, you can request for the insurance company to send a surveyor for inspection or inspect the car yourself. In the case of self-inspection, the insurer provides approval for the policy within a few hours of submission of the required video and other details.

Types Of Motor Insurance From ICICI Lombard

ICICI Lombard offers the following types of insurance plans for your motor vehicle:

  1. Car insurance
  2. Two-wheeler insurance

The insurance protection can be availed through any of the following plans:

  • Comprehensive motor insurance
  • Third-party liability insurance

ICICI Lombard Third-Party Liability Insurance - Inclusions

If needed, the customer can opt for a standalone third-party liability policy from ICICI Lombard. This policy protects the insured from legal liability to a third party for injuries, death, or property damage. It does not offer protection to the insured vehicle for any damages or theft. It also does not protect the policyholder from accidental injuries or death.

ICICI Lombard Comprehensive Motor Insurance - Inclusions

The coverage under the car and two-wheeler insurance policies from ICICI Lombard are very similar. The inclusions under the plans are as indicated below:

  • Damages to the insured vehicle due to natural calamities such as floods, lightning, earthquakes, and the like
  • Losses due to man-made disasters such as strikes, terrorist acts, in-transit damage, malicious activities, etc.
  • Theft of the insured vehicle
  • Third-party liability insurance cover which protects the insured against legal liabilities to a third party following an accident - Coverage is provided for injuries/death of the individual and damage to his/her property.
  • Personal accident cover for the owner-driver - For car insurance, this coverage can go up to Rs.2 lakh. In the case of two-wheeler insurance, the maximum coverage under this head is Rs.1 lakh. It is also possible to opt for personal accident cover for the passengers through a rider.

ICICI Lombard motor insurance - Exclusions

The following incidents are not offered coverage under the car and two-wheeler insurance policies from ICICI Lombard:

  • Normal wear and tear of the vehicle with age
  • Consequential losses, such as an oil leak leading to engine damage
  • Electrical/mechanical breakdown
  • Losses due to nuclear disasters, war, mutiny, etc.
  • Driving the insured vehicle without a valid license
  • Driving the vehicle while under the influence of drugs/alcohol
  • Using the vehicle beyond its limits, as prescribed by the manufacturer
  • Depletion of consumables used in the vehicle
  • Damage to the tubes and tyres of the vehicle, unless there are damages to the vehicle itself

It is crucial to be well aware of the exclusions under the policy, so that there are no unpleasant surprises at the time of a claim. Hence, you should go through the policy wordings carefully and have a thorough understanding of the coverage.

FAQs for ICICI Motor Insurance

  1. Is it possible to renew my ICICI Lombard motor insurance online?
  2. Yes, you can do this easily through the website of the insurance company. All policies can be renewed 60 days before expiry. If the policy is already in expired status, a surveyor will have to inspect the vehicle before giving a go-ahead.

  3. Is it better to buy motor insurance online?
  4. Yes, it is. When you buy a motor insurance policy online, it will be issued instantly with minimal involvement of paperwork. You can also choose multiple payment options, such as net banking, credit card, debit card, etc.

  5. How can I transfer my NCB to another insurer?
  6. You should first inform your current insurer about the transfer of insurance. Then, you can request the current insurance company for an NCB retention letter. Using this letter, you can preserve the NCB for up to 3 months. Within this time you should attach it to another motor insurance policy in your name.

  7. How many times can I request for a roadside assistance service in a policy year?
  8. Under the Roadside Assistance add-on cover, you can request for roadside assistance facility up to 4 times in a policy year. These services should be the ones you opt for at the time of policy purchase.

  9. What is an endorsement in motor insurance?
  10. An endorsement is an update made to the coverage under a motor insurance policy. It may or may not bear premiums.

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ICICI Lombard Motor Insurance Reviews

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  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good Policy to take"
    0.5 3.0/5 "Satisfactory"
    My car was insured with ICICI Lombard. I pay the premium amount of Rs. 22000 and i have been renewing the policy continuously for 2 years. They have provided me a no claim bonus. Its covered with bumper to bumper facility. My dealer has recommended me about this policy when i purchase a car.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 03, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance policy with ICICI LOMBARD from last 2.5 months and this policy is for 3 years. They charged a premium of Rs 28000 for this car insurance. There was no claim experience so far. This policy has full coverage with 0% depreciation.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 03, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with ICICI LOMBARD from last 3 years, a premium of Rs 4000 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. This policy covers only third party damage and the coverage value is good.
    Was this review helpful? 0
    , lucknow
    Reviewed on Dec 29, 2018
  • ICICI Lombard Car Insurance
    "Good Insurance"
    0.5 4.5/5 "Excellent!"
    The car dealer has provided me a car insurance policy. I pay the premium amount of Rs. 16000. The claim experience was fine. They have processed the claim in 20 days. The cashless facility was done and many garages are available in nearby locality.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 29, 2018
  • ICICI Lombard Car Insurance
    "Smart protection with zero dep"
    0.5 5.0/5 "Blown Away!"
    I have car insurance wtih ICICI lombard I have not experience in the claim. Recently I paid the premium around Rs. 18,000 for one year I have swift car it was covered with them, the insurer got tie up with many work shops, I have bumper to bumper zero depreciation plan.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Dec 18, 2018
  • ICICI Lombard Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    This insurance policy has been good and i had been paying the premiums on an annual basis. The premium amount has not been too high and the payment methods has been simple as well. There has not been any claims made so far and so far it had been a hassle free experience.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 17, 2018
  • ICICI Lombard Car Insurance
    "Good protection for four wheeler"
    0.5 5.0/5 "Blown Away!"
    From ICICI lombard I have taken car insurance for Hyundai I20, first time when I paid the around Rs. 25,000 when it was new car, now recently I paid is around Rs. 17,000 now its been 2.5 years old. The plan is called zero depreciation, with road side assistance, 24 hours services.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • ICICI Lombard Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The car policy with ICICI lombard is good and they are economical on the cost wise, I took policy for one year I took 100% its zero depreciation. They gave me best insured value based on the age of vehicle, they have ncb features and they many service centers too.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 05, 2018
  • ICICI Lombard Car Insurance
    "Quick policy"
    0.5 5.0/5 "Blown Away!"
    I have been renewing the policy for 4 years with ICICI Lombard. The policy was given by dealer when i purchase the policy and i'm continuing the policy without any reason. The claim experience was fine. I have got the coverage amount of Rs. 9 lakhs and i have got the claim amount of RS. 40000. This policy covered with bumper to bumper facility. I have got the claim within 5 days.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 05, 2018
  • ICICI Lombard Car Insurance
    "Better"
    0.5 4.5/5 "Excellent!"
    My car insurance was taken with ICICI Lombard and it was offered by the showroom. They are giving zero depreciation and don't know about the other offers. The premium is included in the car price. The customer service is good. They have sent the insurance papers on time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • ICICI Lombard Car Insurance
    "Good experience with ICICI Lombard"
    0.5 4.0/5 "Great!"
    My car insurance was taken with ICICI Lombard. I never interacted with the customer care. I had a claim experience with them and the certain parts are not covered however the coverage value was good. They are given me a bumper to bumper coverage. They have given no claim bonus when i have not claimed anything before.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • ICICI Lombard Car Insurance
    " Good Experience and hassle free"
    0.5 5.0/5 "Blown Away!"
    The ICICI lombard premium amount is economical I Have taken the policy for one year. I took the comprehensive plan with fist party accidental, it also cover loss, damage etc. I got the policy documents on time. faced claim, I went to the showroom they taken the documents, I just dropped my car to the dealer I paid 1000 at the time of billing , they completed all the process, delivery time is low.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 01, 2018
  • ICICI Lombard Car Insurance
    "Smart Car Protection"
    0.5 5.0/5 "Blown Away!"
    Last year I paid Rs. 7000 for my Maruthi car policy, I got the best insurance amount for the vehicle based on the age. The customer service is good but I don't have any claim. They have tie up with many service centers in my place. I am fine with them.
    Was this review helpful? 1
    , bangalore
    Reviewed on Nov 30, 2018
  • ICICI Lombard Car Insurance
    "Have it for safety purpose"
    0.5 3.0/5 "Satisfactory"
    I had a claim experience with ICICI lombard long time back, it was 25 days process. None of them give 100% claim , they give only max 60%. All the Insurer are same as like others. I have not been using the service for last 5 years. I had a car insurance in ICICI Lombard and am keep on changing.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Nov 30, 2018
  • ICICI Lombard Car Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I hold a car insurance with ICICI Lombard from last 3-4 years, a premium of Rs 6000-7000 has to be paid for this insurance policy every year. There was no claim experience so far with this insurance and they did not give insurance papers on time.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 30, 2018
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    My car is insured with ICICI Lombard from last 2-3 years, there was no claim experience so far with this insurance policy. They cover bumper to bumper damage for this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 29, 2018
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