ICICI Lombard Third Party Car Insurance
A claim is the legal right of a policyholder, which he/she gets in return of premiums paid during the policy tenure. It saves you from spending a lump sum amount of money after an accident. ICICI Lombard has a very simple and hassle-free claim settlement process. It disburses the claim amount depending on the type of coverage policy and the insured sum. Moreover, the company also provides free pickup/towing service after an accident. There are two types of claim settlement processes offered by the company, namely cashless claim settlement and reimbursement claim settlement. Let us proceed to know about the procedures in brief.
How to make a Cashless Claim?
1) Inform the company
Inform the insurer as soon as possible after an accident or mishap on the road. You could call the toll-free number 1800 2666 or SMS “CLAIM” to 575758. Describe the accident if asked and provide details of the witnesses (if any).
2) Lodge an FIR
In circumstances of grave injury/death of any person (third party or policyholder), immediately seek for medical attention. This should be followed by lodging an FIR at the nearest police station.
A Customer Service Manager (CSM) will contact you within 24 working hours to confirm the initiation of the claim process. You will also be guided to the nearest cashless workshop.
4) Repair and documentation
After the survey of the vehicle, a towing service will also be arranged by the insurer. The CSM will get the estimate for the repairs of your vehicle and give approval after assessment.
5) Claim settlement
Once the documents are submitted and processed, the company will inform you about the sum you need to pay (your liability), while the rest will be paid by the company directly to the workshop.
How to file a Car Insurance Reimbursement Claim?
1) Get in touch with the company
Intimate the insurance company right-after a mishap or accident. This will initiate the claim settlement process.
2) File an FIR
In case of severe injury/death of any person (third party or policyholder), seek immediate medical attention. This should be followed by lodging an FIR at the nearest police station.
3) Surveying of vehicle
If your vehicle is damaged severely in an accident, leave it at the accidental site itself. A surveyor will be arranged by the company, who will inspect the vehicle and submit a report to the company. Or you can also request for a pickup/towing service to move your damaged vehicle to the workshop.
A surveyor will assess the cost of repairs and submit the report to the insurance company. You also need to submit documents like policy note, tax receipt, copies of registration book, driving license etc. along with a copy of FIR to the surveyor/representative.
5) Claim settlement
Once the formalities are done, you need to pay the entire cost of repairs at the garage. The company will reimburse the agreed claim amount as soon as possible.
Documents Required for Cashless and Reimbursement Claims
The following documents are required for claim settlement:
- Claim Form duly signed
- Valid R.C. copy of the vehicle
- Valid driving license copy
- Policy document copy
- Copy of FIR
- Original repair bill, proof of release and cash receipt
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ICICI Lombard Car Insurance Claim FAQs
How to register a car insurance claim?Contact the company’s toll-free number to register a claim. You will be provided with a claim number for reference. Alternatively, you can SMS “CLAIM” to 575758 or use the ‘Lodge A Motor Claim’ service provided by ICICI.
When should I file an FIR?An FIR needs to be lodged at the nearest police station in case of "Third Party Property Damage", "Bodily Injury" or "Theft".
How much do I need to pay in cashless claim settlement?ICICI Lombard has a network of over 3400 cashless garages. In a cashless claim settlement process, you need to pay only your part of liability. Whereas, the rest is paid by the company.
What are deductibles?Deductibles mean the amount you are liable to pay in case of a claim. This amount is deducted from the total claim amount. Car Insurance Policy carries a Compulsory Deductible of Rs 1,000 (for vehicles less than 1500 cc) or Rs 2,000/- (for vehicles more than 1500 cc).
What is meant by Constructive Total Loss?Constructive Total Loss or CTL means loss/damage of your vehicle when the cost of retrieval/repairs is more than 75% of the Insured Declared Value (IDV) of your vehicle.
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