ICICI Lombard Car Insurance starting at Rs. 2,094*

Key features and benefits of this policy

00:47

Features and benefits of ICICI Lombard Car Insurance

Learn how you can drive smarter with ICICI Lombard Car Insurance.

  • Lower premiums

    ICICI Lombard car insurance policy offers complete coverage for your car at affordable premiums. For example, the premium for third-party car insurance starts at just Rs. 2,094*.

  • Cashless claim settlement across 5,700+ garages

    Get your car repaired at any of the 5,700+ network garages across India without paying in cash.

  • Natural and man-made calamities coverage

    Get coverage damages to your car due to natural disasters. This includes earthquakes, floods, fires, storms, and more. The policy also covers man-made calamities like burglary, theft, riot, strike, and malicious act.

  • Third-party legal liability covered

    The policy covers accidental damages resulting in the injury or death of a third-party person and/or damage caused to the surrounding property.

  • Personal accident cover

    ICICI Lombard car insurance offers up to Rs. 15 lakh to the insured owner-driver in case of accidental injuries, disabilities, or death.

  • No Claim Bonus benefit

    ICICI Lombard car insurance offers a No Claim Bonus discount of up to 50%.

  • 9 optional add-on covers

    The policy offers a choice of 9 add-on covers. This includes coverage of electrical/non-electrical accessories, for example, fog lights, music system, seat covers, etc.

  • Zero depreciation add-on cover

    Get coverage for the depreciation of car parts so that you can claim for insurance without any deductions for depreciation with the zero depreciation add-on cover.

  • Engine protection add-on cover

    Covers the repair/replacement cost of the damaged engine. This is especially useful for regions prone to flooding.

  • No Claim Bonus protector

    This add-on cover helps you keep your No Claim Bonus discount intact even if you raise a claim request in a policy period.

  • 24x7 roadside assistance

    Get 24x7 roadside assistance with this add-on cover. Get benefits such as towing to network garage, battery jumpstart, minor repairs, on-call support and taxi benefits.

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Eligibility criteria and documents required

Anyone who fulfils the below criteria can buy the ICICI Lombard Car Insurance policy. Also, keep the below-mentioned basic information handy while buying the policy.

Eligibility criteria

  • Nationality: Indian
  • Age: 18 years and above
  • The vehicle insured should have a valid registration number and certificate

Documents required

No documents required to buy the policy. Simply provide the following information while buying the policy:

  • Car registration number
  • Mobile number
  • Residential PIN code
  • Previous policy details

A step-by-step guide to buying this policy

01:07

How to apply for ICICI Lombard Car Insurance

Watch this video to know the steps to buy the policy in minutes.

  • Step 1

    Click on 'Get Quote’ button on this page to visit the online application form.

  • Step 2

    Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.

  • Step 3

    Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

  • Step 4

    Choose ICICI Lombard Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

  • Step 5

    Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.

  • Step 6

    Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.

  • Step 7

    Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment processed successfully.

    You can also access your policy details through the My Account section within 5-7 days after purchase.

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Key inclusions and exclusions

Here is a quick look at the key inclusions and exclusions under the ICICI Lombard Car Insurance policy:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Third-party liabilities Covers damages caused to a third person’s body, property, or vehicle.
Accidental damage Covers damages caused due to accidents.
Fire damage Covers damages caused to the car due to fire explosion, self-ignition, or lightning.
Theft Offers coverage if the car gets stolen.
Natural and man-made calamities Covers damages caused to the car due to both natural and man-made calamities.
Personal accident coverage Coverage for up to Rs. 15 lakh for the owner-driver in case of accidental injuries, disabilities, or death.
Key exclusions Description
Location Does not cover any loss or damage caused to your car outside the geographical limits of India.
Alcohol or drug usage This car insurance policy does not cover damages while driving under the influence of alcohol or drugs.
Normal wear and tear Does not cover repair or replacement costs of car parts that get damaged over time due to regular usage.
Driving without a valid licence Does not cover any damages caused while driving without a valid driving licence.

How to raise a cashless claim

Follow these steps to raise cashless claim requests with ICICI Lombard Car Insurance.

  • Step 1 -Register your claim

    Step 1 - Register your claim

    1. Register your claim by logging in to the insurer’s website.
    2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor insurance policy, and tap on report claims.
    3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
    4. Register claims through WhatsApp on 7738282666.
    5. SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com.

  • Step 2 - Complete a video survey

    Step 2 - Complete a video survey

    1. Login to IL Take Care app and add your policy.
    2. Click on File a Claim using InstaSpect.
    3. Add claim info, such as location, time and date of loss, and a short description of the damage.
    4. The app will initiate a live survey.
    5. Show the vehicle from different angles. Photos will be captured and synced.

  • Step 3 – Provide supporting documents to process your claims

    Step 3 – Provide supporting documents to process your claims

    Upload the necessary documents, along with the e-claim form for repair approval. 

  • Step 4 - Damage assessment and repair cost estimation

    Step 4 - Damage assessment and repair cost estimation

    ICICI Lombard will assess the damage to your car and determine the amount covered under the policy. Provide additional information or documents if needed.

How to raise a reimbursement claim

To reimburse your car repairing bills with ICICI Lombard Car Insurance, follow these steps.

  • Step 1 – Register your claim

    Step 1 – Register your claim

    1. Register your claim by logging in to the insurer’s website.
    2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
    3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
    4. Register claims through WhatsApp on 7738282666.
    5. SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com.

  • Step 2 – Repair your car at any of your preferred garages

    Step 2 – Repair your car at any of your preferred garages

    Get your vehicle repaired at your preferred garage, pay the bills, and keep the invoices.

  • Step 3 - Submit the required documents

    Step 3 - Submit the required documents

    Upload the reimbursement claim form, the invoices, and the other necessary documents.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    ICICI Lombard will review and compensate your approved claim amount as per the policy terms.

    In case of a total loss such as theft, you can raise a claim and the IDV of your vehicle will be paid to you.

Documents required for raising a claim request

Here is the list of documents that you need to raise a claim request with ICICI Lombard Car Insurance.

  • Copy of the car’s registration certificate (RC)
  • Copy of your driving licence
  • Insurance policy copy
  • Duly filled and signed claim form
  • FIR in case of theft, injuries to any third party or damage to their property
  • Original bills of car repairs (in case of reimbursement claim)

Frequently asked questions

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

Step 1 – Register your claim

  • Register your claim by logging in to the insurer’s website.
  • You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
  • You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
  • Register claims through WhatsApp on 7738282666.
  • SMS "CLAIM" to 575758 or write to customersupport@icicilombard.com.

Step 2 – Complete video survey

  • Login to IL Take Care app and add your policy.
  • Click on File a Claim using InstaSpect.
  • Add claim info, such as location, time and date of loss, and a short description of the damage.
  • The app will initiate a live survey.
  • Show the vehicle from different angles. Photos will be captured and synced.

Step 3 – Provide supporting documents to process your claims

Upload the necessary documents, along with the e-claim form for repair approval.

How to buy an ICICI Lombard car insurance policy on Bajaj Finance Insurance Mall?
  • Click on 'Get Quote’ button on this page to visit the online application form.
  • Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
  • Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.
  • Choose ICICI Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
  • Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
  • Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
  • Review your previously filled ICICI Lombard Car Insurance details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
How to register a car insurance claim?

To register a car insurance claim, you need to contact your insurance provider and provide them with details about the accident or damages. They will ask for your policy number, contact information, and the details of the accident such as the date, time, and location. 

Does the ICICI car insurance policy cover partial theft?

Yes, the ICICI Lombard third party car insurance policy covers partial theft. It provides coverage for loss or damages due to theft, burglary, or housebreaking, including partial theft, as long as it is not due to the owner's negligence.

How many times can we claim under car insurance in a year?

The number of claims allowed under a ICICI Lombard Car Insurance policy depends on the policy terms and conditions. Some policies may have a limit on the number of claims made per year, while others may not. It is crucial to read and understand the policy terms and conditions to know the claim limits. Exceeding the number of claims allowed in a year may result in the policy being cancelled or premium hikes.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of independent due diligence on the suitability, and viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly.
This product provides insurance coverage under Private Car Package Policy with UIN: IRDAN115RP0017V01200102. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits, if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

T&C Apply.*Premium indicated is inclusive of taxes for third party coverage of four-wheeler up to 1000 CC. Premium may vary based on the specification of the vehicle.