Icici Lombard Comprehensive Car Insurance Policy

ICICI Lombard Comprehensive Car Insurance

Whether a tedious journey or a rough road, every terrain has its own uncertainties. Although you can not predict the forthcoming mishap or can hardly prevent it from happening, you can, for sure, insure against it. When it comes to insurance, you must always opt for a comprehensive car insurance policy, instead of the mediocre third-party liability cover. ICICI Lombard has that for you and also along with other range of benefits.

A comprehensive car insurance policy offered by ICICI Lombard covers not only the indemnification of third-party losses but also yourself and your car. It entitles you to get the claim for damages occurred to your car and also for the injuries occurred to you. Apart from the standard cover, you can also purchase useful add-on covers that insure the things which are excluded from the standard plan.

Benefits of ICICI Lombard Comprehensive Insurance

ICICI Lombard offers sterling and extensive comprehensive car insurance policy. The extra premium, which you will pay in compared to the slender third-party cover will repay you with hefty benefits.

• Comprehensive car insurance policy sold by ICICI Lombard, besides covering you from third-party liabilities, also insures you and your vehicle against injury/death and damage, respectively.
• Not only damages, but a comprehensive plan also insures the vehicle against theft. Additionally, you get 6 months of quality assurance on all repairs.
• You also get the option to purchase nifty add-on covers by paying an extra premium. These add-ons are highly useful and practical. They cover things, which are usually not included in the standard comprehensive plan.
• You can also get discount in form of No Claim Bonus, if no claim is filed during the policy tenure. Also, the discount piles over every claim-free year, up to 5 years.

ICICI Lombard Comprehensive Insurance Claim Process

1) Inform the company

Inform the insurer as soon as possible after an accident or mishap on the road. You can call 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.

3) Confirmation and self-inspection

A Customer Service Manager (CSM) will contact you within 24 working hours to confirm the initiation of the claim process. ICICI Lombard also offers a hassle-free self-inspection functionality, which can be done using the company’s mobile app.

4) Repair and documentation

After the survey of the vehicle, tow/drive it to the suggested workshop for repairs. 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, company will inform you about the sum you need to pay (your liability), while the rest will be paid by the company directly to workshop.