Car Insurance FAQs

What is Road Side Assistance?


Road Side Assistance (RSA) is a service that provides you with the necessary help in case you are stranded on the road when your car breaks down. For example, breakdown cover may include jump starting an automobile, towing a vehicle, helping to change a flat tyre, providing a small amount of fuel when a vehicle runs out of it or helping people who are locked out of their cars, etc.

What are the services provided by ICICI Lombard under Road Side Assistance (RSA)? *


  • Breakdown support over phone
  • Minor repairs
  • Flat tyre assistaance
  • Battery jump start
  • Arrangement of keys
  • Towing on breakdown/accident
  • Arrangement of rental vehicle
  • Arrangement/ supply of fuel
  • Arrangement of accommodation
  • Message relay

Note: For details, please refer the Policy wordings on our website for private car package policy.

*For list of services applicable in a policy, please refer policy schedule.

How many times can I claim for Road Side Assistance service during policy period?


A maximum of 4 times related to any of the services opted by the insured would be allowed under this add-on. The insured would be able to claim only for the services opted for by him at the time of policy issuance.

What is an endorsement?


An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will charged as applicable.

When can I opt for the Road Side Assistance service?


The Insured may choose to opt for any one or more of these at the time of policy issuance.

What is the meaning of insurance?


Insurance is a protection against the financial loss arising due to an unforeseen circumstance/ event. A person can avail this protection by paying a premium to an insurance company.

How can I avail Road Side Assistance?


To avail Road Side Assistance (RSA), you can call on the toll-free number 1800 2666 and follow the IVR instructions.

What is the period of General Insurance policies?


Typically, General Insurance contracts are for a one-year period only.

What are the exclusions under Road Side Assistance cover?


Services for Road Side Assistance (RSA) will not be provided in the below mentioned scenarios:

  • Under conditions of earthquake, war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s) of government(s)/ government agencies/ judicial/ quasi-judicial authorities
  • Any claims where your vehicle is being used for the purpose of racing, rallying, motor-sports or is not being used/driven in accordance with applicable laws and regulations
  • Any claim where your vehicle can safely be transferred on its own to the nearest garage/ workshop
  • Any claims triggered by theft; any kind of consequential losses
  • Any loss which is covered under any other insurance policy or manufacturer’s warranty or recall campaign or under any other such packages at the same time
  • Any expenses for supply or replacement of parts/consumables
  • Any loss/damage caused to your vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual
  • Any claims where services have been availed of without the prior consent of the Company

What are the benefits of buying a Motor Insurance online?


When you buy Motor Insurance online, you get an instant policy, as there is no documentation or paperwork involved. In addition, you have the advantage of choosing from multiple payment options e.g. Credit Card (Visa, Master Amex card), Net banking, Debit Card etc.

Does ICICI Lombard General Insurance Company only provide services in times of car breakdown or does it pay for the other expenses too?


ICICI Lombard General Insurance Company only provides assistance. Additional costs incurred for purchase of car parts, fuel, taxi fare etc. are to be borne by the customer.

What are the various types of vehicle that I can insure online?


Currently only Private Cars and Two-wheelers can be insured online.

Is Road Side Assistance service available 24X7?


Yes, Road Side Assistance service is available 24X7.

Why do I need to insure my vehicle?


Your vehicle is probably one of the most expensive things you own. Insurance protects your vehicle and helps you cope with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

  • Your passengers
  • Your fellow drivers
  • Other people's property
  • Pedestrians
  • Yourself

Insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft. In India it is mandatory to have at least a Third Party Motor Insurance before you drive on the roads.

Can I renew my motor policy online?


Yes, you can renew your policy online, starting 60 days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission of required documents.

What is No Claim Bonus?


No Claim Bonus (NCB) is a discount on premium of the Own Damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period. The NCB can be accumulated up to a maximum limit of 50% on OD premium.

You can transfer the full benefits of NCB, even when you shift your motor insurance to ICICI Lombard from any other Insurance company.

When should I opt for the Road Side Assistance service?


You may choose to opt for the service at the time of policy issuance.

What is Garage Cash Plan?


For Partial Loss- : If your vehicle is under repair after an accident, a fixed daily allowance will be paid for the number of days the vehicle will be in authorised garage for repair or number of days as mentioned in the schedule, whichever is lesser.

In the event of Total Loss/Constructive Total Loss of your vehicle, a lump sum amount as mentioned in the schedule shall be paid.

Number of days covered under Garage cash cover?


The duration for which the company will be liable for claim in respect of this add on will be considered from the day after the insured vehicle is delivered to the garage till the day immediately preceding the date of discharge or date of invoice for such repair as prepared by the garage, whichever is earlier.

What are the events covered in ICICI Lombard Motor Insurance policy?


The ICICI Lombard Motor Insurance policy is a comprehensive vehicle insurance cover, which offers you:

  • Any loss or damage to your vehicle
  • Third Party Liability
  • Any permanent injury / death to a person caused by your insured vehicle
  • Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your vehicle
  • A Personal Accident Cover for the owner-driver of the vehicle while he/she is driving In case of loss or damage to the vehicle or the accessories insured, the Company covers the insured if the accident occurs due to the following hazards:
  • Fire, explosion, self ignition or lightning
  • Burglary, housebreaking or theft
  • Riot and strike
  • Earthquake (fire and shock damage)
  • Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accident by external means
  • Malicious act
  • Terrorist activity
  • Whilst in transit by road, rail, inland-waterway, lift, elevator or air
  • Landslide and rockslide

For details, please refer to the Two-wheeler Policy Wordings

What is Third Party Liability cover? Is it covered?


Third Party Liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party insurance covers the following losses:

  • Any permanent injury / death to a person caused by your insured vehicle
  • Any damage caused to the property (excluding vehicle) of some other individual by your insured vehicle

Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered up to ₹7.5 lakh in case of Private Car and ₹1 lakh in case of Two-wheeler.

Will I get a Personal Accident cover if the vehicle is registered under someone else's name, but is driven by me and the premium is also paid by me?


The policy essentially contains a Personal accident cover for the owner-driver, as per tariff. In case of un-named driver, the personal accident cover has to be purchased separately by paying an additional premium.

Will I be eligible for any discounts if I am a member of the Automobile Association of India?


Yes, as a member of any of the following recogni​sed Automobile Associations, a discount on Own Damage (OD) premium is given under the policy. The following Associations are recogni​sed:

  • The Automobile Association of Eastern India
  • The Uttar Pradesh Automobile Association
  • The Western India Automobile Association
  • The Automobile Association of Southern India
  • The Automobile Association of Upper India

Is there any discount available if I install an Anti-theft alarm and Locking system?


If your vehicle is fitted with anti theft devices, which are approved by the Automobile Research Association of India (ARAI), a discount on Own Damage (OD) premium is allowed.

What is the Accident Cover for un-named passengers?


Passengers other than the insured, including a paid driver and cleaner of the vehicle can be insured under this cover by paying an additional premium. This covers them against death or disability caused due an unfortunate accident.

How is the value of the vehicle (Insured Declare Value - IDV) determined?


The IDV of the vehicle is to be fixed based on the manufacturer's listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation. 

What does the Legal Liability cover for a paid driver include?


A legal liability for a paid driver implies that if you have hired a driver to drive your vehicle and he meets with an accident while driving it, then the insurance company will provide compensation for his injury/ loss of life.

If I have a LPG/ CNG kit fitted in the car that is not endorsed in the RC, can I take a policy?


Policy will only be issued if the LPG/ CNG kit is duly endorsed on the Registration Certificate (RC) by the concerned RTO.

What is the process for obtaining Third Party only cover?


To issue only Third Party cover, our local underwriter needs to carry out a risk assessment which cannot be done online. Thus, we request the customer to visit us at the nearest branch.

Does the insured have to pay the difference if the actual expenses are more than the cover?


Yes. For example, if the insured has a cover of ₹10,000 for maternity and incurs an expense of ₹15,000 then the insured will have to pay ₹5,000.

Do the 2 insured adults have to be spouses?


It is not necessary that the 2 insured adults have to be spouses.

*What is the duration of days covered under Garage Cash Cover?


The duration for which the company will be liable for claim in respect of this add-on will be considered from the day after the insured vehicle is delivered to the garage till the day immediately preceding the date of discharge or date of invoice for such repair as prepared by the garage, whichever is earlier.

*As per the plan opted

What is an Accident Cover for un-named passengers?


Passengers other than you, including a paid driver and cleaner of the vehicle can be insured under this cover by paying an additional premium. This covers them against death or disability caused due an unfortunate accident.

What is a voluntary deductible?


A voluntary deductible is the higher amount you opt for as a deductible over and above the compulsive deductible in the event of a claim. (The Final Claim amount will be decided after deduction of depreciation on parts, VD and compulsory deductible as per IMT).

 

What is the process for obtaining only a Third Party cover?


To issue only a Third Party cover, our local underwriter needs to carry out a risk assessment which cannot be done online. Thus, we request you to visit us at the nearest branch.

How do I register my claim?


Contact our toll-free helpline 1800 2666 to register your claim and get a claim number/ reference number. You can also directly register your claim online*, with our  Lodge A Motor Claim service.

* Please note that as of now, only accidental damage claims can be processed through the 'Lodge A Motor Claim' interface

When should I report to the police?


Incidents such as ‘Third Party Property Damage’, ‘Bodily Injury To Self or Third Party’ or ‘Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred.

What is Cashless Claim and Non-cashless/ Reimbursement Claim?


Cashless Claim: In cashless claim facility, the repair charges of the vehicle are directly paid to the garage by us, provided the vehicle is repaired in our garage network.

Non-cashless/ Reimbursement Claim: If the vehicle is repaired in a garage outside the purview of our network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

What is the claim procedure adopted by the company for settlements?


ICICI Lombard adopts the following process for settlement of claim:

For Cashless Claim settlement-

  • The Customer Relationship Manager (C​RM) / Surveyor attends the claim within 24 hours of registering the claim
  • Insured must fill the claim form, (click here to download it or collect it from the C​RM/ Surveyor/ Dealer) and submit all the required documents to the C​RM/ Surveyor/ Dealer
  • Our C​RM will get the estimate for the repairs of insured vehicle and give spot approval after assessment
  • After the completion of repairs at our preferred garage, we will make the payment of our share of the loss directly to the garage. Any amount over and above the admissible amount will have to be directly paid by the Insured
  • The amount of Depreciation as per the rate prescribed under the Indian Motor Tariff and Compulsory Deductions under the policy need to be borne by the Insured

For Non-cashless/ Reimbursement Claim settlement -

  • The Customer Relationship Manager (C​RM) / Surveyor attends the claim within 24 hours of registering the claim
  • Insured must fill the claim form (click here to download it or collect it from C​RM/ Surveyor/ Dealer) and submit all the required documents to the C​RM/ Surveyor/ Dealer
  • The C​RM/ Surveyor assess the loss, estimates the repair amount and then informs the Insured on the same day of assessment. The C​RM/ Surveyor will also take photographs of the damaged vehicle
  • Insured can then get the vehicle repaired at preferred workshop/ garage. The C​RM later carries out a re-inspection of the vehicle. The Insured then pays the workshop/ garage as per the C​RM/ Surveyor’s assessed estimation, who thereafter releases a ‘Proof of Release’ document. (The proof of release is an authenticated document signed by the insured to release his vehicle from the garage after it is checked and repaired)
  • Insured needs to submit the original bill, proof of release and cash receipt (derived from the garage) to the C​RM/ Surveyor
  • The C​RM/ Surveyor then submits all required documents to ICICI Lombard for settlement of the claim
  • Upon acceptance of the claim, the company issues the cheque to the Insured within seven working days from the date of receipt of all documents
  • The amount of Depreciation as per the rate prescribed under the Indian Motor Tariff and Compulsory Deductions under the policy need to be borne by the Insured

What documents are required to file a claim?


In case of accidental damages claim, you need to provide the following documents:

  • Claim Form duly signed
  • Valid RC copy of the vehicle
  • Valid driving license copy
  • Policy copy
  • FIR, if required (For Theft, Third Party Injury/ Damage; Highway accidents - Major only)
  • Original repair bill, proof of release and cash receipt
  • Any other document as required to investigate the Claim or Company's obligation to make payment for it

Please provide me with the list of garages in my city where I can avail Cashless service?


Click here to search and view the list of garages in your city where you can avail Cashless service

What is the meaning of deductibles? What is the deductible applicable to Private Car and Two-wheeler?


Deductible means the amount that you will bear in case of a claim. This amount is deducted from the claim amount. Car Insurance Policy carries a Compulsory Deductible of ₹1,000 (for vehicles not exceeding 1500 cc) or ₹2,000 (for vehicles exceeding 1500 cc). Two-wheeler Insurance policies carry a Compulsory Deductible of ₹100.

What is meant by Constructive Total Loss?


Constructive Total Loss refers to accidental loss/ damage to your vehicle where the aggregate cost of retrieval and/ or repairs amounts to be more than 75% of the Insured's Declared Value (IDV) on your policy.

If I lodge a claim after the expiry of my policy date for an event that occurred during the policy period, will it still be valid?


Yes, you will be eligible for the claim even after the expiry of the policy date. This is because the event took place during the policy period.

Which documents are required to file a claim?


In case of accidental damages claim, you need to provide the following documents:

  • Claim Form duly signed
  • Valid RC copy of the vehicle
  • Valid driving licence copy
  • Policy copy
  • FIR, if required (For Theft, Third Party Injury/Damage; Highway accidents - Major only)
  • Original repair bill, proof of release and cash receipt
  • Any other document as required to investigate the Claim or Company's obligation to make payment for it

What are the factors affecting the premium amount?


The premium payable for your vehicle depends on the below factors:

  • Cubic capacity of the engine
  • Age of vehicle
  • Geographical zone
  • Type of model
  • nsured Declared Value (IDV)

What is ARAI?


ARAI stands for Automotive Research Association of India. If you have installed an ARAI approved anti-theft device in your vehicle, whose installation is dully certified by the agency, you can get a discount of 2.5% on the Own Damage (OD) premium subject to maximum of ₹500.

What are the different modes of payment on icicilombard.com?


You can choose between 6 payment options to pay your premium online:

  • Credit Card – Make secure premium payment with your VISA, Mastercard and AMEX card.
  • Net Banking - Transfer the premium amount online through ICICI Bank and 13 other selected Banks
  • Debit Card – Just enter your ICICI Bank, Citibank, HDFC Bank or any of the other 7 approved bank’s Debit Card details to pay your insurance premium directly
  • Cash Card - Use your Done or ITZ Card to make the payment online
  • Cheque/ Demand Draft: You can send a Cheque/ Demand Draft by courier to our office address

What is an endorsement?


An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will charged as applicable.

What is a non-premium bearing endorsement?


A non-premium bearing endorsement is the endorsement for which no additional premium is charged. For example, Rectification in contact details, Rectification in engine/ chassis number, Addition of hypothecation, etc.

What is a premium bearing endorsement?


A premium bearing endorsement is the endorsement for which additional premium is charged. For example, Transfer of ownership, Addition of LPG/ CNG kit, Change of RTO location, etc.

I want to make changes in my policy


Following changes are allowed in the policy

Name rectification:

  • Please send an e-mail with the policy details at customersupport@icicilombard.com You would be provided with a request number and the changes would be done
  • You can click here to place a request
  • You can also visit our nearest branch with the documents

Registration number/ Engine/ Chassis number rectification:

  • Please send an e-mail with the policy details and a scanned copy of your RC book at  customersupport@icicilombard.com You would be provided with a request number and the changes would be done
  • You can click here to place a request and upload a scanned copy of your RC book
  • You can also visit our nearest branch with these documents

Address Rectification:

  • Please send an e-mail with the policy details and the correct address details at customersupport@icicilombard.com You would be provided with a request number and the changes would be done
  • You can  click here to put in a request and upload a scanned copy of your address proof
  • You can also visit our nearest branch with a request letter for address change

Change in model/Vehicle:

  • Please visit our nearest branch with a copy of your RC book, request letter and policy documents. These changes might affect the premium charged, so please carry a cheque along.

Name transfer (Transfer of ownership):

  • If you transfer your vehicle on some other person’s name, the insurance also needs to be transferred on the new owner’s name.
  • To get the insurance transferred in the new owner’s name, please visit our nearest branch with:
    1. Endorsed copy of Registration Certificate/ Form 29 and Form 30 along with seller request letter for transfer of ownership
    2. Proposal form filled and signed by the new owner of the vehicle
    3. Vehicle inspection report if the difference between the date of transfer and request for endorsement is greater than 14 days
    4. These changes might affect the premium charged, so please carry a cheque along
  • Addition of LPG/ CNG kit/ Electrical/ Non-electrical accessories

Please visit our nearest branch with the following documents:

  • nvoice copy of the CNG kit/ Electrical/ Non-electrical accessories and endorsed RC (with LPG/ CNG) or letter with the declaration value
  • Cheque for paying the required premium

Addition of Anti-theft device:

  • Please visit our nearest branch with the following documents:
  • Invoice copy of fitted device (ARAI approved) or letter with the declaration value
  • Request letter

Change in RTO/ Registration:

  • Please visit our nearest branch with the following documents:
  • Copy of your updated endorsed Registration Certificate (RC)
  • These changes might affect the premium charged, so please carry a cheque along

NCB Recovery/ Change:

  • Please visit our nearest branch with the following documents:
  • Request letter from Insured
  • Original NCB reserving letter from Previous Insurer
  • Proof of sale of old vehicle

Addition of Hypothecation:

  • Please send an e-mail with the policy details, a scanned copy of your request letter, your sanction letter from the financial institution and the endorsed copy of your Registration Certificate (RC) on customersupport@icicilombard.com You would be provided with a request number and the changes would be done
  • You can click here to place a request and upload the scanned copy of Request letter, your sanction letter from the new financial institution, NOC from the previous financial institution and the endorsed copy of RC
  • You can also visit our nearest branch with these documents

Cancellation of hypothecation:

  • Please send an e-mail with the policy details and a scanned copy of Request letter, your NOC letter from the financial institution documents and the endorsed copy of Registration Certificate (RC) at customersupport@icicilombard.com You would be provided with a request number and the changes would be done
  • You can click here to place a request and upload the scanned copy of Request letter, your NOC letter from the financial institution documents and the endorsed copy of RC
  • You can also visit our nearest branch with these documents