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Key Features:
  • Right Green Tick Towing Assistance (Till 50 kms)
  • Right Green Tick 6-Month Repair Warranty
  • Right Green Tick Free Pick-Up and Drop
  • Right Green Tick Quick Claim Settlement

Top ICICI Lombard Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From 2525
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 1663

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Founded in the year 2001, ICICI Lombard General Insurance Company is a joint venture between a financial services provider Fairfax Financial Holdings Limited and India’s second largest bank ICICI Bank. Catering to a wide range of customers across insurance domains like health, motor, life, investment, crop, liability etc, ICICI Lombard General Insurance Company has processed over 3.6 million claims. [1] This page will give you an understanding of the offering under ICICI Lombard’s Car Insurance. The content covered will be key features of the company, key metrics to look for, eligibility of buying a car insurance, types of ICICI car insurance plan, price, key add-ons and frequently asked questions.

About ICICI Lombard Car Insurance

Your car insurance is an important tool to protect you in the time of need. A car insurance policy covers your car from accidents, theft or burglary, saving you money. At times when you are in a situation where you have accidentally damaged someone else’s vehicle, your car insurance helps in providing the needed monetary support to you. ICICI Car Insurance is one of the most preferred car insurance companies in India offering all types of car insurance like stand-alone, comprehensive and third-party car insurance.

Key Features

Every company has a certain USP they focus on, ICICI Lombard Car Insurance has the following key features:

  1. Doorstep Cashless Repair - Get car repair service like never before! With ICICI Lombard car insurance, you can avail cashless repair service at your doorsteps now.
  2. 6 Months Repair Warranty - Avail cashless repairs for a period of six months with assurance of best in class service quality. You can do this by opting for the nearest cashless garage within their partner network.
  3. Towing Assistance (Till 50 kms) - With ICICI Lombard’s roadside assistance cover you can tow your car to a nearby network garage, minor repairs, on-call support, taxi benefit and battery jumpstart.
  4. Quick Claim Settlement - ICICI Lombard is known for its great customer service and you can expect a quick and hassle free claim settlement experience by taking car insurance from the brand.

Key Metrics

Refer to the tables below to check the key metrics of ICICI Lombard Car Insurance:

Key Metrics of ICICI Lombard Car Insurance


Founded in (year)


Claims Settled (in percentage)


Claim Assistance (time)


No Claim Bonus


Repair Warranty (in months)


Cashless Garages (PAN India)


Car Insurance Premium (starting price in Rupees)


Types of Car Insurance Plans Offered by ICICI Lombard

Mentioned below are the list of car insurance plans offered by ICICI Lombard [2]:

  1. Own Damage (OD) - This safeguards you financially since it provides protection for your car from damages like theft, road accidents, man-made (fire, riot, etc) and natural disasters (earthquake, cyclone, etc).
  2. Third-party Liability (3PL) - This protects you financially from any third-party damage (to vehicle, person or properties). Note that the compensation from a 3PL is provided only in case of death or bodily injury to or property damage of the third-party.
  3. Comprehensive - A comprehensive car insurance gives you a more secured monetary shield since it offers you a financial cushion in case your car is damaged and to any damage caused to third-party vehicles also. This is a more sought after plan to buy.
  4. Pay As You Drive - With the recent introduction of Pay As You Drive, you can choose to pay only for the amount of time you are on the road driving. This plan can be activated through an add-on and you can choose from a plan for 5000 and 7500 km/year. In case you drive more than that, you can do a top-up [3]. The Pay As You Drive is offered only by ICICI Lombard, HDFC ERGO, Zuno, Bajaj Allianz and Reliance General insurance.

Add-Ons offered by ICICI Lombard

Add-ons compliment your insurance plans and help provide added benefits with a minor increase in your premium price. The top add-ons offered by ICICI Lombard Car Insurance are mentioned below:

  1. Zero Depreciation: This amazing add-on helps you in recovering the amount depreciated from your vehicle at the time of sale. This is because your car value keeps depreciating every year, the zero depreciation add-on technically locks the price of your car.
  2. Consumables Protect: Helps in covering you for your vehicle’s cost of repair and replacement for the following: nut and bolt, screw, distilled water, oil filter, engine oil, brake oil, fuel filter, grease, washer, etc.
  3. Engine Protect: Engine Protect covers the price of repairing your current engine or replacing it with a new one. This add-on is especially beneficial for people living in flood-affected regions.
  4. Garage Cash: This add-on helps you to avail daily cash amount when your car is in the garage for maintenance. You can choose to pay your cab, auto, or other transportation bills from this cash in hand.
  5. Loss of Personal Belongings: In case you have your personal belongings in your vehicle like clothes, laptop, gym equipment, etc you can be covered with this add-on if they get lost during an accident or a mishap.
  6. Roadside Assistance: This add-ons helps you by providing your towing assistance to the nearest cashless garage in case of a vehicle breakdown or accident.
  7. No Claim Bonus Protection: This helps you get the bonus for being a responsible driver. You can take this add-on to protect your no claim bonus even in case your car was damaged due to any event. The only caveat - your car should be in parking or in the event of a natural calamity.
  8. Emergency Assistance Cover: With an emergency assistance cover you can get covered for attaining minor repair, fuel tank emptying service, towing, tyre change, and battery jumpstart services in case you have an emergency and you are stuck on the road.
  9. Cost of Consumable Items: This add-on helps you in getting reimbursement for the cost incurred in replacing your consumable items like nut and bolt, oil filter, brake oil, fuel filter, etc.
  10. Key Cover: With this add-on you can get protection of your car keys in case they are lost or when you need a replacement. This cover also covers key repair and replacement of your car’s lockset.
  11. Tyre Cover: This cover helps in getting coverage in case of accidental loss, damage or cut of tyre, theft of tyre, and any additional labour charges incurred in the repair of your tyre.
  12. Driver Cover: This cover protects your driver in case there is any accident. The cover is usually called personal accident cover for paid drivers and can only be paid to the person listed as your paid driver in the insurance policy document.

Note for Premium Vehicle Owners: In case the value of your car is greater than INR 15 lakh it is advisable to take key, and tyre cover as the cost of repair and replacement is significantly higher than other vehicles.

Note for People Who Have Paid Drivers: In case you have employed a paid driver or chauffeur, it is advisable to have a paid driver cover to protect them in case of any emergency.

Note for People Who Often Travel by Car for Work or Leisure: Having a loss of personal belongings will keep you protected on the road by getting coverage for your items kept in your car like a laptop, any tools and equipment, clothes etc

ID Recommended Car Insurance Plan and Add-ons

Vehicle Age

Plan Type

Recommended Add-ons

0 Years (New Vehicle)

1 year Standalone Own Damage (SAOD) + 3 Years Third-party Damage

RTI + Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

1-3 Years

Standalone Own Damage (SAOD)

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

4-5 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect

6-7 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance

8-10 Years

Comprehensive Plan

Basic Plan

More than 10 Years

Third-Party Plan

No add-ons

Note 1: Personal Accident Cover is Mandatory by Law Note 2: Third-party Car Insurance is Mandatory by Law

Eligibility To Buy ICICI Lombard Car Insurance Plan

In order to purchase a car insurance plan, here’s the list of must haves:

  • Your vehicle should be registered under the Regional Transport Office (RTO)
  • You must have your car registration papers
  • You must own a valid driving licence
  • Other documents may be required depending on the requirements by the insurer

Factors to Consider Before Buying or Renewing Your Car Insurance

Here are the key factors to consider before buying or renewing your car insurance policy:

  1. Credibility of the Insurer: The credibility of the insurer you are choosing to buy your car insurance from needs to be good and valid. Do check the claim settlement ratio, customer reviews, number of cashless garages under the insurer to validate.
  2. Add-ons Required and Add-ons Offered: It is important to analyse your situation based on the car’s age, mileage, travel requirements, geographical location requirements etc. Based on these your add-on requirements will also change. Choose a company that is able to provide you with the required add-ons.
  3. Deductible: Factors like how much deductible are you willing to pay, what is the amount of compulsory and voluntary deductibles under each insurance, will also impact your premium hence they must be taken into consideration.
  4. Risk Exposure: Your exposure to risk should also be evaluated before buying or renewing your car insurance. In case you are someone who frequently travels through accident-prone areas, you should be making sure you consider the factor of risk.
  5. Extra Features: There are regular feature and plan updates happening in the industry, it is essential to review details of your previous insurer and prospective insurers before buying or renewing your car insurance.

How To Purchase ICICI Lombard Car Insurance Policy?

Before you plan on purchasing a car insurance policy, make sure to keep the following documents handy.

Documents Required

  1. Your registered mobile number on which you will be receiving an OTP for verification
  2. Your KYC details
  3. In some cases a scanned copy of your passport-size photograph or a physical passport-size photograph

Once you have all documents in place, follow these steps to buy your ICICI Lombard Car Insurance.

Online Process

Buying your car insurance policy online is simple and easy through InsuranceDekho. Follow these steps and buy your policy today:

Step 1: Visit InsuranceDekho’s Website

Visit the homepage for Car Insurance on InsuranceDekho. You will find a form on the page as soon as you land.

Step 2: Enter your vehicle number e.g. DLXXABXXXX

Fill out the form on your screen with your vehicle number, check out the listed plans.

Step 3: Compare All Car Insurance Plans to Choose

Compare all the plans mentioned on the compare plan page, select ICICI Lombard Car Insurance from the menu or the best car insurance plan as per your requirement.

Optional Step: Connect with An InsuranceDekho Advisor

In case you have any query or doubts regarding the car insurance plans listed or you want to know more details about a car insurer of your choice, you can choose for a “request a call back” option. An InsuranceDekho advisor will connect with you to proceed further.

Step 5: Make Payment

After you have made the selection, you can do the payment to purchase your car insurance policy. Note that an InsuranceDekho agent might get in touch with you post policy purchase to check your overall experience and clear your queries if any.

Purchase via Insurer Website

Alternatively, you can also buy your car insurance from ICICI Lombard’s website. The process will remain similar to what’s mentioned in the steps above.

Offline Process

In case you are not comfortable with buying a car insurance policy online, you can also choose to buy the policy offline by contacting an InsuranceDekho advisor on call. Additionally, in case you require a home visit, we can send our relationship manager to help you in the buying process at the comfort of your home.

Benefits of Buying Your Car Insurance from InsuranceDekho

At InsuranceDekho we believe that serving our customers is the only priority we have and here is why we are able to deliver on our belief statement and give the best insurance solutions assistance to our customers:

  • Certified Broker: InsuranceDekho is an IRDAI certified broker and have been working in the space of Insurance for 8+ years.
  • Trusted Brand: We are a trusted brand from the house of CarDekho Group that has been in the space of motor and auto tech for more than 15 years
  • Comprehensive Offerings: We offer a comprehensive set of insurance ranging from motor, health, life & term, travel, investment, shops, etc
  • Vehicles Insured: We have insured over 50 lakh vehicles till now and respond to you promptly as our insurance advisors and relationship managers are there to assist you 24*7.
  • Quick Assistance: We assist you in getting all your queries resolved from the insurers faster
  • Dedicated Claim Support: We have our dedicated claim support team to help you in your entire claim settlement journey and a dedicated team member will be assigned to you when you come onboard

What Is Covered and What is Not Covered?

There are certain inclusions and exclusions under every insurance plan. The major inclusions and exclusions under ICICI Lombard Car Insurance are listed below:


  1. Natural disaster coverage which includes coverage from flood, storm, cyclone, earthquakes, etc
  2. Personal accident cover of INR 15 Lakh
  3. Access of cashless repairs in over 6100+ network garages
  4. Choose from 12 add-ons
  5. Coverage for accidents, theft, and terrorism
  6. Coverage for third-party legal liabilities
  7. Up to 50% no claim bonus
  8. Usage of InstaSpect for instant survey


  1. Ageing and wear & tear of your car
  2. Breakdown - both mechanical and electrical
  3. Any damage coming due to being under the influence of drugs or alcohol
  4. Damages caused while driving without a valid driving licence
  5. Any loss that is consequential
  6. Any loss or damage caused due to war or nuclear risk

How to Claim Your Car Insurance?

Raising a claim can be a stressful process and following up with your insurer at this time can be daunting. However, you can reach out to us at InsuranceDekho for assisting you in easy claim processing by calling us at our helpline number +91- 7551196989 or by writing to us at

Our advisors will be there to assist you throughout the process, making sure you have all documents ready to apply for your claim. Since we have insured more than 50 lakh vehicles. Insurers respond to us quickly, paying extra attention to our cases.

Additionally, you can also contact ICICI Lombard’s claim support team.

Factors Affecting Premium Of Your Car Insurance Plan

There are various factors that can affect the amount of premium you pay for your car insurance. Some of the major factors are listed below:

  1. Car Model: The model of the car you have will significantly affect the cost of premium paid by you. Premium of cars above rupees 15 lakh will be higher than for cars under that amount. Premium of luxury cars will be even higher.
  2. Driving Record: Your past driving history (breach of traffic rules, past road accident history, etc) will impact your insurance premium. Note that drivers with a clean record get a better premium price.
  3. Credit History: The credit history of the driver/owner of the vehicle will also impact the premium price as your credit score helps in determining whether you will pay your premium on time or not.
  4. Geographical Location: The location from where you buy the car or where you live will also determine the cost of your premium since the cost of premium for urban areas and metropolitan cities will differ from that of a rural or tier 2 and 3 cities.
  5. Deductibles: Deductibles are the amount you agree to pay from your pocket in case your vehicle meets with an accident or there is any theft or damage due to natural calamity. The higher the deductibles the lesser your premium will be.
  6. Age of Vehicle: The age of your vehicle is also a determining factor in the price of your insurance premium. If your vehicle’s age is less than five years, it is considered a low-risk vehicle, if your vehicle’s age is above 5 years the vehicle is considered a high-risk vehicle.
  7. Add-ons Taken: The add-ons you take along with your vehicle insurance also impacts the premium price. The more add-ons you take, your premium price will correspondingly increase.
  8. No-claim Bonus: In case you are renewing your car insurance from the same company, insurers offer a no-claim bonus discount which also results in decreasing the price of your premium.
  9. Insured Declared Value: Your vehicle's insured declared value becomes a crucial factor in determining your car insurance premium as it informs an insurer about the current value of your car.

What is Insured Declared Value and How is It Calculated?

While taking a car insurance, you must be well aware about all insurance companies offerings and market price to choose the best car insurance company as per your need. An Insured Declared Value (IDV) is nothing but the current market value of your car, this market value aids in determining the cost of your premium. It is also helpful in providing you the compensation in case of theft or total damage of your car.

Calculating Insured Declared Value (IDV)?

An IDV calculator is a tool that helps in calculating the current market value of your car and in determining the price of your car insurance premium. Use the IDV calculator to check the insurance premium price for your vehicle

ICICI Lombard Car Insurance Renewal Process

It is important to note that you should renew your car insurance yearly and timely. While renewing your car insurance, make sure you check all the latest plans and updates on the current year basis your vehicle model, and age.

For renewing your policy through InsuranceDekho, follow the same steps as mentioned in buying a new car insurance policy above in the section “how to purchase car health insurance.”

Car Insurance Customer Service & Support

As a trusted brand from the house of CarDekho, we at InsuranceDekho are committed to supporting you in all your car insurance-related needs. To connect with our customer service and support team call on our helpline number +91-7551196989 or write to us at

ICICI Lombard Complaints & Grievance Redressal

For any complaint & grievance redressal, you can contact ICICI Lombard Car Insurance team in the following ways:

  • Call them at 1800 2666
  • Write them here: Customer Support, ICICI Lombard General Insurance Co. Ltd., Ground floor- Interface 11, Sixth floor- Interface 16, Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064
  • Email them at

In case you are unsatisfied or you don’t hear from the ICICI Lombard team, you may also get in touch with Mr. Rohit Khurana, InsuranceDekho’s Grievance Redressal Officer by emailing him at



431 Icici Lombard Cashless Garages in India

Icici Lombard Car Insurance User Reviews

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What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Smooth Third-Party Accident Cl...

    Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICICI Lombard, who was my insurer. They handled the whole case from start to end and settled the third-party claim efficiently. I’m thankful for their support during this stressful time and I'm glad that I sought advice from InsuranceDekho while selecting ICICI Lombard as my insurer.

    By Padmashree Saini
    On: July 2, 2024
  • Smooth claim process

    My new car was damaged due to a local case of riots and it made me really depressed. Thanks to ICICI Lombard for the extraordinary repair service at one of the cashless garages. My car was repaired and no one can tell that it was damaged a few days ago. Credits to InsuranceDekho for helping to choose a car insurance provider quickly.

    By Sunidhi Rawat
    On: July 1, 2024
  • Excellent customer support

    I needed some help with my reimbursement claim process in regard of the documents required. I contacted ICICI Lombard customer care and they helped me out quickly after paying genuine attention to my problem. Have to give credit to InsuranceDekho for helping in make a wise decision while purchasing car insurance.

    By Vaishnavi Makhija
    On: June 28, 2024
  • Easy endorsement process

    Since shifting to a different city kept me busy, I almost forgot to endorse my car insurance policy. The moment I reached out to ICICI Lombard customer care for endorsement, I was told that it is a simple process which I had thought will be full of papers and will take a long time. Surprisingly it took a few documents to be submitted online and my policy was endorsed within few days. Im very satisfied with the service and will recommend InsuranceDekho to everyone reading this as they helped me select the insurance provider which met my required needs.

    By Arsalan Jamal
    On: June 26, 2024
  • Bumper repair service

    I had a small accident while coming back from work and my bumper was damaged so badly that my car was not in a condition to be driven back home. Thankfully I had ICICI Lombard car insurance which covered my bumper damage and had a roadside assistance cover as well. The support team arrived and my car was towed to a garage my car was delivered the next morning. Insurance really helped me saving cost and credits to InsuranceDekho for suggesting a roadside cover.

    By Gurpriya Singh
    On: June 26, 2024
  • Cashless claim

    I purchased ICICI Lombard car insurance and I am satisfied with the cashless claim process. My car was repaired without any delay and I didn't had to pay anything in the process which prevented me from cashing out my investments—credits to InsuranceDekho in helping to compare different quotes efficiently and choosing the best one.

    By Nora Javed
    On: June 24, 2024
  • Claim Assistance

    I live outside India and my parents were facing problems while contacting ICICI Lombard customer support during the claim settlement process of my car insurance. Thanks to InsuranceDekho, a relationship manager assisted my parents with the claim process and everything went smoothly then. Thanks to InsuranceDekho!

    By Simran Kaur
    On: June 19, 2024
  • In app experience

    IL Take Care app is very efficient and makes the process a whole lot easier. The Instaspect feature enables a super quick survey and gets the approval done in no time. Credit goes to InsuranceDekho for giving me the opportunity to switch my insurer.

    By Sameer Masood
    On: June 13, 2024
  • Superb Services

    I have always been loyal to a particular insurer for all my policies but this time I tried InsuranceDekho to purchase car insurance for my brand new Volkswagen. I was thrilled by the comparisons InsuranceDekho provided and helped me get a wider perspective on insurers. I went on with ICICI Lombard car insurance and have been highly satisfied with their services.

    By Niyati Sharma
    On: June 11, 2024
  • Loyal brand

    I have been a loyal customer of InsuranceDekho and ICICI Car Insurance since 2017, and they have never disappointed me. Their customer service is exceptional, and I have only had positive experiences with them. I recommend it to everyone!

    By Nikhil Gera
    On: June 7, 2024

ICICI Lombard Car Insurance FAQs

  • I want to purchase my car insurance from ICICI Lombard. What are the advantages I can get?

    ICICI Lombard rewards you with ample of benefits on purchasing car insurance. You are entitled to instant issuance of policy and can also avoid finishing tons of paperwork. Paying for your policy is easy too. Debit card, credit or net banking – use any of the following and get your policy done in minutes

  • Can I renew my ICICI Lombard policy online?

    Of course you can. Just log into your policy page and keep tabs on the expiry date. To be on the safe side, get your policy renewed at-least 60 days in advance of the expiry date. However, if the expiry date is crossed, the vehicle must be inspected before the policy is renewed

  • I already have a car insurance policy from another company. Can I renew my policy with ICICI Lombard?

    You can definitely renew any car insurance policy with an ICICI Lombard vehicle insurance policy. Cherry on the cake – it can be done online. Just apply and proceed with the payment using debit card, credit card or net banking and your policy will be renewed in minutes

  • What is the meaning of constructive loss in ICICI Lombard?

    Accidental damages and loses can be overwhelming at times. If the costs of repairing exceed 75% of the vehicles original IDV, the situation is referred as constructive loss

  • What services can I expect on choosing ICICI Lombard Road Side Assistance?

    There are a bunch of services you can avail on opting for a road side assistance cover from ICICI Lombard. Here’s a list:

    • Battery jump start
    • Provision of rental vehicle
    • Replacement of flat tyre
    • Towing facilities
    • Urgent supply of fuel
    • Assistance on breakdown over phone
    • Making arrangements for keys
    • Arrangements for accommodation

ICICI Lombard Wording Download

  • 242.6 kB
  • PDF Document
  • March 14,2019

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Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.