Icici Lombard Car Insurance FAQs

ICICI Lombard Car Insurance

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  • 98.3% Claim Settlement Ratio
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  • Enjoy Services in 5900+ Cashless Network Garages
  • Round the Clock Assistance
  • ICICI Lombard General Insurance Company is the most popular name in the private sector of general insurance


  • 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
    • **To know more, you can always refer to the insurance company's policy wordings**

  • In circumstances of a car breakdown, will ICICI Lombard pay for the expenses or provide necessary services?

    ICICI Lombard offers assistance in case of vehicle breakdown

  • What types of vehicles does ICICI Lombard insure?

    ICICI Lombard insures both private and commercial vehicles. It also provides insurance for two-wheelers

  • In a particular policy period, how many times can I choose to go with a road-side assistance cover?

    Road side assistance is a very useful add-on. However, it does not mean that the perk can be availed innumerable times. You can only make use of the add-on 4 times in a particular insurance period

  • How to file a claim when I have an ICICI Lombard car insurance policy?

    It is easier than you think. Get in touch with ICICI Lombard on 1800 2666. Your claim will be registered and you will be given a claim registration number. Your job is mostly done here. The rest will be taken care of by the company

  • How to buy an ICICI Lombard car insurance policy?

    You can purchase an ICICI Lombard by calling us at 7551196989. We do the rest and check for quotes

Zero Depreciation

  • How much do I need to pay for Zero Dep add-on cover?

    This solely depends on a number of factors, like the age of your car, IDV, etc. However, you can click here and get a quote for your vehicle after filling in few details.

  • Will I get a discount if no claim is filed by me during the policy tenure?

    Yes, you are liable to get No Claim Bonus for every claim free year, up to 5 years. However, there is no other discount offered by ICICI Lombard exclusively for Zero Dep add-on cover.

  • My car has Zero Dep cover, but the garage manager is asking me to pay the entire claim amount.

    This happens when you have opted for reimbursement claim, instead of cashless claim settlement. Don’t worry, you will be reimbursed with the total claim amount (including the depreciation amount) by the company.

  • What remains as my liability in the claim amount after purchasing Zero Dep add-on cover?

    There are still a few liabilities on your side even after having a Zero Dep add-on. There are a number of things not covered under a comprehensive insurance policy and any repairs made to them would go from your pocket.

  • What if the claim amount is more than the Sum Insured?

    If the claim amount surpasses the Sum Insured it is a case of total loss of your vehicle. Such a case is investigated by the insurance company and claim is paid as per the sum insured.

Third Party

  • What is covered under the third-party cover offered by ICICI Lombard?

    Third party policy covers the policyholder against injury/death of third-party and damages caused to third-party property.

  • Can I pay my third-party policy’s premium online?

    Yes, you can pay the premium for your third party policy online using a debit/credit card or net banking. For more details, call us at 075511 96989.

  • What if I lose my policy document?

    There is no need to worry if you have lost your policy document. You can call up ICICI Lombard and request them to email you the policy copy. You can take the printout of your policy.

  • What should I do after an accident?

    If the third-party has suffered from any fatal injury, seeking medical help must be the first priority. Immediately reach out to the nearest hospital for assistance and also inform ICICI Lombard in-between.

  • Do I need to register an FIR after an accident?

    Yes, lodging an FIR at the local police station is mandatory. You also need to submit a copy of the same to the insurer, along with other documents.


  • 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 3400 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)


  • 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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      • Can I purchase new add-on covers while renewing my insurance policy?

        ICICI Lombard offers policyholders the opportunity to purchase new add-on covers at the time of purchase and renewal after contacting the company. Purchasing an add-on cover along with your standard insurance policy requires extra premium.

      • Is there any way to get my policy details on Whatsapp?

        Yes, in order to provide details of the insurance policy to the policyholder right on their finger-tips, ICICI Lombard offers you the service to get policy details on Whatsapp. The request can be placed from the renewal page itself.

      • Do I need to fill in the entire details of my policy for online renewal?

        No, not at all. You just need to provide your policy number and engine number, followed by confirmation of premium amount and payment.

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          ICICI Lombard Car Insurance User Reviews

          134 reviews Write a Review
          • The team at InsuranceDekho is polite

            The customer care executives at InsuranceDekho are friendly and polite. When I purchased ICICI Lombard car insurance policy for my Maruti Suzuki Alto ...

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            Atishay Aggarwal
            On: July 9, 2020 | Views
          • Satisfied with InsuranceDekho’s services

            I purchased an ICICI Lombard car insurance policy from InsuranceDekho for my Toyota Yaris car and really liked the policy. I thank the team for sugges...

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            On: July 8, 2020 | Views
          • Easy renewal process

            I had purchased ICICI Lombard car insurance policy for my Renault Kwid car from InsuranceDekho and had recently renewed it. The process was smooth eno...

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            Surya Dev Tripathi
            On: July 8, 2020 | Views
          • Easy to find and compare quotes

            InsuranceDekho allowed me to easily find and compare quotes online by following just a few steps. I bought an ICICI Lombard car insurance policy for m...

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            Priyanka Bhawser
            On: July 6, 2020 | Views
          • Good customer support service

            I was searching for a car insurance policy and contacted the team at InsuranceDekho for that. They suggested ICICI Lombard policy which I purchased fo...

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            Parth Verma
            On: July 2, 2020 | Views

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