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ICICI Lombard is a well-known general insurance company. With high reliability and quick services, ICICI Lombard has managed to be one of India's favourite insurance companies. The company offers a comprehensive car insurance plan that combines the benefits of third-party and own damage insurance policies with a wide range of add-ons available to customise your policy.

How ICICI Lombard Comprehensive Car insurance Work?

ICICI Lombard comprehensive car insurance policy covers the mandatory third-party car insurance and combines it with covers that you get in own damage policy as well. It financially protects your car from third-party liabilities as well as damages caused to your car providing a broader range of benefits. Supposedly your car is involved in an accident that causes damage to your car and a third party, comprehensive car insurance will cover the cost of third party liability as well as cover the damages caused to your car.

Key features of ICICI Lombard Comprehensive Car Insurance

The key benefits provided by ICICI Lombard comprehensive car insurance are:

  • Third-party covers: ICICI Lombard covers the mandatory third-party insurance policy.
  • Protection against Theft: In case your car gets stolen, ICICI covers the cost by paying you the IDV of the car.
  • Protection against Vandalism: In the case of damages caused by acts of terrorism, riots, or vandalism, ICICI covers the cost of repair.
  • Protection against natural disasters: Natural disasters like floods, cyclones, earthquakes, and fire can cause damage to your car which falls under the coverage provided by the ICICI Lombard's comprehensive plan.
  • Highly Reliable: ICICI Lombard claims to have a customer count of more than 4 crore people highly satisfied as ICICI Lombard recorded a 93.4% claim settle ratio within motor insurance.
  • Cashless Garages: Customers get the benefit of a magnificent network of 13000+ cashless garages where you will not have to pay post repair which makes the process quick and hassle-free.
  • IL Take Care App: The IL Take Care App is a hub for your insurance-related details and activities. You can apply for instant claims through this app.

How To Buy ICICI Lombard Comprehensive Car Insurance?

You should have the following documents handy while you plan to purchase insurance:

  1. You should have access to the mobile where you will receive the OTP for verification.
  2. Your KYC details.

Purchase ICICI Lombard Insurance Policy with InsuranceDekho

Buying your car insurance policy online is simple and easy through InsuranceDekho. Follow these steps and buy your ICICI Lombard comprehensive car policy.

Online Process

Step 1: Visit InsuranceDekho’s Website

On the website, you will find a form on the homepage for Car Insurance.

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

Fill in the details required with the vehicle number of your car.

Step 3: Select the plan offered by ICICI Lombard

After filling in the details of your vehicle, you will be shown different insurance plans for your vehicle offered by different insurance companies. This gives you an opportunity to compare different quotes and analyse what suits you best. To continue with ICICI Lombard, select the comprehensive plan offered by them.

Step 4: Choose the desired Add-ons

While getting further with the ICICI Lombard plan, choose the add-ons you want and add them to your policy. Each add-on will increase the premium amount. Once completed, press continue to move ahead with the process.

Optional Step: Connect with An InsuranceDekho Advisor

You can select the "request a call back" option if you have any questions or doubts regarding the ICICI Lombard car insurance plan or want more information. An InsuranceDekho advisor will get in touch with you to address all your queries and provide additional support if required.

Step 5: Complete your KYC process

Enter your identification details like Aadhar card number or PAN card number along with your mobile number and proceed ahead.

Step 6: Verify your details

After completing your KYC, you will see a pre-filled form with your vehicle details. Cross-check each detail. If any details are incorrect, make the necessary changes and press continue.

Step 7: Complete the payment process

As the final step of the process, make the payment through a credit/debit card, UPI, or net banking.

Congratulations! You have purchased your ICICI Lombard comprehensive car insurance.

Once the purchase is completed, you can download your policy documents from the support tab of the InsuranceDekho website.

Offline Process

To adopt an offline approach to buying ICICI Lombard comprehensive car insurance through InsuranceDekho, call customer support at 7551196989, or write an email to and book a home visit from our relationship manager.

Our relationship manager will visit your residence on a decided date and time, and assist you completely with the process of buying insurance.

Purchase ICICI Lombard Insurance Policy via Insurer’s Website

You can visit ICICI Lombards' official website, visit their nearest branch, or call their customer care number to purchase comprehensive car insurance directly. The process will be similar to what is mentioned above.

Benefits of Buying Your Car Insurance from InsuranceDekho

At InsuranceDekho, our top priority is serving our customers with the best insurance solutions and assistance. Here are some key benefits of buying through InsuranceDekho:

  • Certified Broker: InsuranceDekho has been in the insurance industry for more than eight years and is an IRDAI-certified broker.
  • Trusted Brand: We are a well-known brand that comes from the CarDekho Group and has been in the car and auto technology industry for more than 15 years.
  • Comprehensive Offering: We offer a wide array of insurances ranging from car, health, life and term, travel, investment, shops, and so on.
  • Vehicles Insured: We have insured over 50 lakh vehicles till now and answer you instantly as our relationship managers are there to help you 24*7.
  • Quick Assistance: We help you get all of your questions answered faster from the insurers.
  • Dedicated Claim Support: When you join us, a member of our dedicated claim support team will be assigned to you to assist you throughout the entire claim settlement process.

Documents Required to Buy ICICI Comprehensive Car Insurance Policy

  1. Primarily, you need an identification proof which could be:
  • Passport
  • Driving licence
  • Aadhar
  • PAN card
  • Any other Government issued photo ID
  1. A proof of address will also be required, which can be any of:
  • Passport
  • Driving licence
  • Bank or post office passbook
  • Government issued address proof
  1. A recent passport-size photograph
  1. Driving licence
  1. Your vehicle RC (Registration certificate)

Most insurers won’t ask you to upload the documents but would only ask for the details in them. But always keep these documents handy as you would need to upload or submit copies during the claim process.

ICICI Lombard Comprehensive Car Insurance Claim Process

The claim process is really simple and hassle-free. Below are the guidelines for filing a claim. Also, it is important to inform ICICI Lombard about the damage and the reason as soon as you notice the damage.

How to File a Claim?

After preparing the documents, the process of claim goes in the below mentioned way:

  • Fill out the claim form and submit it to the insurer along with the documents.
  • The insurer will assign an officer to survey and investigate after which the estimated damage will be calculated.
  • The authenticity of the claim will be checked and once approved, the settlement will be paid to the garage in case of cashless settlement or you will be provided with reimbursement ( if applicable )
  • In case of theft, the claim takes time as it waits for the police to investigate and verify. The police may likely recover your stolen car as well. Always inform the police and insurer about any documents that were in the stolen car and apply for issuing duplicate documents as soon as possible.

Documents Required

Before filing a claim, it is necessary to prepare your documents to ensure your claim does not get rejected due to incomplete documents. Given is the list of documents required:

  • Copy of RC
  • Copy of driving licence of the person driving during the incident ( if applicable)
  • Copy of FIR ( if applicable)
  • Original estimate of repair cost
  • Receipt of payments made which is eligible for reimbursement
  • Policy certificate

Claim Assistance

While you can directly seek claim assistance from ICICI Lombard, InsuranceDekho as your partner in purchasing or renewing your car insurance also provides claim assistance. Our team will help you to ensure that the documents are authenticated, the claim is being filed on time and you avoid anything that could cause failure of your claim. Our assistance works as additional support while you seek your claim from ICICI Lombard.

ICICI Lombard Comprehensive Car Insurance Renewals and Cancellations

Your ICICI Lombard car insurance policy can be renewed and cancelled when required. InsuranceDekho provides simple steps to renew or cancel your ongoing policy.

ICICI Lombard Car Insurance Policy Renewal

ICICI Lombard car insurance can be renewed by InsuranceDekho in a few simple steps mentioned below:

Online process

Step 1: Visit the official website of InsuranceDekho and click on "Support" on the top bar.

Step 2: click on the "Renew Policy" tab on the dropdown menu.

Step 3: Enter your mobile number and click on "Send OTP".

Step 4: You will see on the screen the details of your ICICI Lombard car insurance policy.

Step 5: Complete the renewal by clicking the "Renew" button.

Step 6: Complete the payment through the desired online method and you have successfully renewed your policy.

Alternatively, you can visit the ICICI Lombard website and renew your policy from there as well, the steps would be very similar.

Offline process

People who prefer the traditional approach of purchasing policy offline after detailed discussions with sales executives can choose to renew their policy offline by the following methods:

Call or Home Assistance by InsuranceDekho: You can request home assistance service by connecting with an InsuranceDekho advisor on call. A Relationship Manager from InsuranceDekho will pay a visit to your house to assist you in the renewal process.

Visit the Insurer's Branch Office: You can also visit the ICICI Lombard’s branch office in your city to get your policy renewed.

ICICI Lombard Car Insurance Policy Cancellation

As a comprehensive car insurance policy is a combination of third-party policy and own damage, there are a few things to keep in mind before initiating the cancellation.

  • You can only cancel your ‘own damage’ policy from your comprehensive policy.
  • Third-party policy can not be cancelled but can be ported to another insurer.

As per the law, all vehicles must be third-party insured, and hence to fulfil the legal obligations you need to purchase alternate third party insurance before cancelling your current comprehensive policy. This ensures that your car has been insured without any gaps in policy.

To cancel your comprehensive policy, connect with InsuranceDekho customer care by calling 7551196989 or write your request of cancellation at The customer support team will ask you to submit the following documents:

  • Copy of Identification document
  • Copy of Car's registration certificate
  • Policy documents
  • A formal letter or email requesting to cancel the policy
  • Proof of new third-party insurance purchase ( in case you wish to cancel third-party policy)

Upon submission of these documents, your policy will be cancelled. You will get a complete refund for your third-party policy cancellation while a pro-rata amount will be deducted from the refund of your own-damage policy for the period between purchase and cancellation of the policy.

Covered Vs Not Covered Under ICICI Lombard Comprehensive Car Insurance

Your ICICI Lombard comprehensive car insurance policy covers the benefits of both own damage and third party policies. However, it is important to take a look at the inclusions and exclusions of this policy.


  • Damages due to accidents.
  • Damages due to natural calamities
  • Damages due to fire.
  • Damages due to theft.
  • Damages due to vandalism.
  • Damages caused during transit.
  • Legal liabilities due to injuries, death, or damage caused to a third party (person or property) by your vehicle.
  • Damages caused to parts that were protected by add-ons in your policy like engine protection.


  • Normal depreciation
  • Mechanical/electrical breakdown due to regular usage
  • Normal wear and tear
  • Damage caused while driving under the influence of drugs or alcohol.
  • Damage was caused while a driver without a license was driving.
  • Indirect charges like towing charges.

Please note that the exact coverage and exclusions may vary based on the plan and add-on covers you have chosen. It's always best to carefully review the policy document for complete details.

Factors that Affect Your Comprehensive Car Insurance Premium

The factors that impact car insurance premium renewal are significant. Understanding them helps you understand how your premium is calculated.

  • Registration year: Premium usually decreases with the age of the cars. New cars with the latest technology would generate more premium as compared to old cars which are likely to cost less to repair.
  • No Claim Bonus (NCB): You get a discount on your premium if you haven't filed any claims during the policy. Your NCB is influenced by the length of your claim-free period; a longer period would result in a higher bonus.
  • Add-ons: Add-on covers like zero-depreciation and roadside assistance give more benefits, but also increase premiums.
  • Make, Model, Variant: The make, model, and variant of your car highly influence your premium. Sports and luxury cars with powerful engines tend to have higher premiums. Similarly, sedans have a higher premium than hatchbacks.
  • IDV ( Insured Declared Value): This value is the estimated value of your car at the time of insurance renewal and highly influences your premium. The car's market cost, depreciation value, and condition are a few factors on which your IDV depends.

How to Calculate Comprehensive Car Insurance Premium Online?

Premium of your car depends on the registration year, the make, model, and variant of your car. To calculate the premium of your car online, go through the given steps:

  1. Visit the car premium calculator on the InsuranceDekho website.
  2. On the right side of the screen, you will find the calculated premium box. Fill in the registration number of your vehicle and click on check premium.
  3. You will find a list of insurers and their quotes.
  4. On top of the list, click on ‘Plan Type’ and select ‘Comprehensive’.
  5. You can now see the premium of comprehensive car insurance from multiple insurers.

ICICI Lombard Comprehensive Car Insurance Support

The perks of choosing InsuranceDekho as your partner in buying comprehensive car insurance are not limited to purchasing the policy as we offer support for our customers even when their policy is active. You can connect with our customer support team regarding the claim settlement process or if you have queries that need to be addressed.

You can contact our support team by calling +91-7551196989;

Or write to us at


Girnar Insurance Brokers Private Limited,

Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022,

Haryana, India

ICICI Lombard Comprehensive Car Insurance Benefits

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.

  • 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 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.
  • 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.
  • 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.

Must Read Articles before buying Icici Lombard Car Insurance

Icici Lombard Car Insurance User Reviews

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What users are saying
  • All
  • Comprehensive
  • Most Helpful
  • 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

431 Icici Lombard Cashless Garages in India

ICICI Lombard Comprehensive Car Insurance FAQs

  • Why should I purchase ICICI Lombard comprehensive car policy?

    ICICI Lombard comprehensive car insurance policy has an extensive coverage plan. It covers injury/death of the policyholder, damages/theft of the insured car as well as indemnifies for third-party liability expenses.

  • What are the methods for inspection of the damaged car?

    ICICI Lombard offers self-inspection of your damaged car. You can use the company’s mobile app for the same. Alternatively, you can also ask for the arrangement of a surveyor.

  • What should I do if my car is stolen?

    In case of theft of the insured vehicle, lodge an FIR at the local police station and a copy of the same should be submitted to the company along with other documents. Also, inform the company about the incident and furnish them with details of witnesses (if available).

  • Does ICICI Lombard offer cashless claim settlement?

    Of course, in order to render hassle-free repair and claim settlement, ICICI Lombard has a network of more than 8,800 cashless garages spread across the country.

  • What documents do I need to submit to the company during the claim settlement process?

    You need to submit the following documents:

    • Original Claim form
    • Registration certificate (In case of a new vehicle which is less than 3 months old and registration certificate is not available, tax receipts and vehicle purchase invoice are collected)
    • Driving license of the person driving the vehicle at the time of the accident
    • Copy of Policy
    • Copy of Aadhaar Card & Pan Card/Form 60
    • FIR or Police report (depending on loss type)
    • Garage Estimate
    • Repair invoice
    • Cancelled cheque (In case of non-cashless settlement).
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Why to buy from InsuranceDekho?

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