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

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About ICICI Lombard Car Insurance

A leading car insurance company in India, ICICI Lombard is a joint venture between ICICI Bank and Canada-based Fairfax Financial Holdings. From standalone, comprehensive to third-party car insurance, ICICI Lombard offers different types of car insurance plans. With ICICI Lombard, car insurance plans, you can protect your car against theft, damage, or any other mishaps.

Key Features of ICICI Lombard Car Insurance



Founding Year


Network Garages


Claim Settlement Ratio


No Claim Bonus


Claim Assistance

24*7 Claim Support

Personal Accident Cover

Up to Rs. 15 lakhs

Car Insurance Premium

Starts at Rs. 2094

Eligibility for Buying ICICI Lombard Car Insurance

To buy ICICI Lombard car insurance, your vehicle must be registered with the Regional Transport Office. Moreover, you must have valid documents related to your vehicle such as car registration papers, valid driving license, and other documents.

Types of ICICI Lombard Car Insurance

There are different types of car insurance that you can buy with ICICI Lombard such as Comprehensive car insurance, Third-party car insurance, and Standalone car insurance. Some of the differences between these three types of car insurance are as listed below:


ICICI Lombard Third Party Insurance

ICICI Lombard Standalone Own-Damage

ICICI Lombard Standalone Own-Damage


ICICI Lombard third party car insurance provides coverage for third party liabilities in case of a mishap including bodily injuries, death and property damage.

ICICI Lombard standalone own-damage car insurance will take care of own-damage costs of your car in a wide variety of scenarios such as road accidents, theft etc. Moreover, insurance providers give NCB for claim-free years.

ICICI Lombard comprehensive car insurance plans will take care of both third party liabilities and own-damage costs under a single premium. Furthermore. They offer an optional personal accident cover.


ICICI Lombard third-party car insurance does not offer add-on covers.

ICICI Lombard standalone own-damage car insurance offers many add-on covers.

ICICI Lombard comprehensive car insurance plans offer a variety of add-on covers to choose from.


ICICI Lombard’s third party insurance is the cheapest policy they offer because it provides the most basic coverage.

ICICI Lombard’s standalone insurance is more expensive than third party insurance as it offers more enhanced coverage.

ICICI Lombard’s comprehensive car insurance plan is the most expensive as it provides holistic protection by taking care of most own-damage costs and third party liabilities.

Tips to Buy the Best Car Insurance Plan

To buy the best car insurance plan, there are certain things that you need to keep in mind such as the following:

  • Check the Coverage: One of the most important things that you need to check while buying a car insurance is to understand the type of coverage you need for your car. For instance, if you need complete protection, you must buy a comprehensive car insurance plan.
  • Driving Habits: You must also analyse your driving habits as this will be helpful in choosing the right car insurance plan for yourself. For instance, if you drive occasionally, you can choose to buy Pay As You Drive car insurance.
  • Budget: Another important thing to keep in mind is your budget. You must buy a car insurance plan that best fits your budget.
  • Available Discounts: There are times when car insurance companies offer discounts. So, before buying any type of car insurance plan with ICICI Lombard or any other insurance company, you must keep a check on the available discounts.
  • Geographical Location: Based on the geographical location, the car insurance premium also varies. For instance, car insurance premiums will be comparatively higher in hilly terrains where the chances of accidents are higher.

Inclusions and Exclusions of ICICI Lombard Car Insurance

Before you buy any type of car insurance plan with ICICI Lombard, you must check the plan inclusions and exclusions:


  • Third-party liability
  • Coverage against damage due to accidents, natural disasters, etc
  • Coverage if the insured car is lost your stolen
  • Cashless repair at network garages


  • Wear and tear of the car
  • Mechanical breakdown
  • If there is damage due to the driver’s negligence

ICICI Lombard Car Insurance Add-ons

There are a number of add-ons that you can include in your car insurance plan such as the following:

What is IDV and How is it Calculated?

IDV or Insured Declare Value is the value at which you get your car insured. It is fixed by the insurer during the time of purchase and is the maximum amount received during a car insurance claim. IDV is calculated on the basis of depreciation value and other factors. IDV plays an important role in determining the car insurance premium as well.

Benefits of Buying ICICI Lombard Car Insurance Online

In today’s time, it is very convenient to buy car insurance plans online. Some of the benefits of buying ICICI Lombard car insurance online:

  • No Paperwork Required: On buying the ICICI Lombard car insurance plan online, there is no paperwork required. You can simply submit documents related to car insurance online without any paperwork.
  • Instant Quote: Once you enter all the details related to car insurance, you can instantly fetch details about car insurance quotes online.
  • Get Expert Assistance: With ICICI Lombard, you can get dedicated customer support anytime and anywhere. So, while buying the ICICI Lombard car insurance plan, you can get 24*7 expert assistance with ICICI Lombard.
  • Hassle-free Process: It just takes a few minutes when you buy an ICICI Lombard car insurance plan online.
  • No Hidden Charges: You won’t have to pay any extra amount when you buy ICICI Lombard car insurance plans online. The entire process is transparent when you buy car insurance plans online.

How to Calculate Car Insurance Premium?

Listed below are the factors that determine car insurance premiums:

  • Model Type: The model type of your car is an important factor in determining the car insurance premium. For example, a sedan car's premium will be higher than a hatchback car's.
  • Fuel Type: Depending on the fuel type, the car insurance premium accordingly varies. As compared to other fuel types, car insurance premiums for CNG cars are higher.
  • Car Manufacturing Year: An old car will have less IDV and more depreciation value. The car insurance premium of an old car is lower than a new one.
  • Claim History: Claim history plays another important role in determining car insurance premiums. The more the number of car insurance claims, the higher will be the car insurance premium.
  • Add-ons: By including different add-ons to your car insurance plan, the car insurance premium becomes higher.

How to Raise Car Insurance Claim?

Here is how you can raise a car insurance claim:

  • First, contact ICICI Lombard to inform them about the accident. You can call on their toll-free number or even send a text message.
  • Fill car insurance form and enter details like insurance policy number, vehicle chassis number, and others.
  • Submit pictures of the damaged part of the insured car. Also, submit any necessary documents, if required.
  • ICICI Lombard team will get the damaged vehicle surveyed and finally settle the claim request.

Why Should You Renew Car Insurance Online?

Some of the compelling reasons why you should renew your car insurance online are as follows:

  • Get car insurance coverage for a continued period
  • Enjoy a quick and hassle-free process when you renew your car insurance plan online
  • Keep No Claim Bonus intact on renewing your car insurance

Benefits of ICICI Lombard Car Insurance

  • A robust network of 8,800+ garages
  • Provides 24x7 emergency assistance
  • Offers innovative insurance products
  • Ensures hassle-free insurance claim experience
  • Technologically advanced process with Insure App

ICICI Lombard Car Insurance Add-Ons

  • Zero Depreciation

    Do you know that car is a depreciating asset? Wear and tear of parts is inevitable. However, it increases deduction in the form of depreciation. A zero depreciation cover, also popular as bumper-to-bumper saves you a great deal from such deductions

  • Consumables Cover

    No insurance pays for consumables like nuts, bolts, brake fluids, lubricant, grease and others. Choosing a consumables cover prevents you from spending riches to replace these or repair the same

  • Garage Cash Add-On

    How are you planning to commute when your car is parked in a garage or workshop for a duration much longer than expected? This is when having a garage cash cover is of great benefit. It provides daily allowance for as long as the car is in the garage

  • Roadside Assistance

    Unfortunate breakdowns in the middle of nowhere - do you feel the panic already? Well, having a roadside assistance cover will help you calm down. Emergency services are provided such as flat tyre change, fuel refilling, towing, battery jump-start, key pick-up, mechanic visit and others

  • Engine Cover

    Engine is undoubtedly the most essential and the heart of a vehicle. Getting a defunct engine repaired is a costly affair. This add-on ensures that issues like engine failure and damages to the engine caused due to external factors like flooding and others are paid by the insurance company

ICICI Lombard Car Insurance Claim Process

It's 8 step simple process,Hassle FREE
  • 1

    Inform the Insurance Company

    Intimate about your claim by calling up ICICI Lombard’s toll-free number 1800-2666 You can visit the workshop and communicate the same
  • 2

    Drop In At the Workshop

    You can either get your vehicle towed to the nearest garage or drive your car to a nearby workshop
  • 3

    Process of Survey Commence

    Post intimation of claim, a surveyor is appointed in 24-48 working hours
  • 4

    Provision of Necessary Documents

    The insurance company must be provided with essential documents like DL, Claim Intimation Form, Policy Copy, Aadhar Card, RC, Repair Estimate and PAN Card
  • 5

    Survey is completed

    A detailed survey of the vehicle is completed in 24-48 working hours
  • 6

    Surveyor Makes the Final Decision

    A detailed survey is performed. The surveyor then accepts or rejects the claim. Post approval, repair works begin
  • 7

    Delivery Order is issued

    Once the repairs are done with, a survey is proceeded and the delivery order is issued
  • 8

    Non-Cashless – What’s The Deal?

    In case of non-cashless claims, you will need to foot the bills of repairs done. Soon after, the amount is reimbursed by the insurance company

431 Icici Lombard Cashless Garages in India

Must Read Articles before buying Icici Lombard Car Insurance

Icici Lombard Car Insurance User Reviews

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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
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ICICI Lombard Car Insurance Contact Details

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ICICI Lombard Wording Download

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  • March 14,2019

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.