ICICI Lombard General Insurance is one of India’s leading private general insurers, founded in 2001 as a joint venture between ICICI Bank and Fairfax Financial Holdings. The company later merged with Bharti AXA General Insurance in 2021, strengthening its market presence. It has issued over 3.7 crore policies and operates under IRDAI Registration No. 115. Car insurance remains one of its major and most popular products, backed by a wide network of cashless garages across India.
ICICI Lombard General Insurance Car Insurance offers comprehensive and third-party plans with wide cashless garage coverage across India (6,900+). It provides benefits like instant online policy issuance, easy claims process, and add-ons such as zero depreciation and roadside assistance. The plans are designed to ensure strong financial protection and hassle-free vehicle ownership.
| Feature Category | Details |
|---|---|
| Coverage Options | Third-party cover and comprehensive cover |
| Cashless Repairs | Doorstep Cashless Repair (New Feature) and access to 6,900+ cashless garages |
| Personal Accident Cover | ₹15 lakh Personal Accident Cover for owner-driver |
| No Claim Bonus (NCB) | Up to 50% discount on premium with NCB |
| Claims Process | Instant claim processing via IL TakeCare app |
| Zero Depreciation | Up to 2 zero-dep claims per year |
| Normal Claims | Unlimited normal claims |
| Customer Support | Reliable support through call centre, chat, and 330+ branches |
| Add-ons Available | Roadside Assistance, Zero Depreciation, Engine Protect Plus, Consumables Cover, and more |
ICICI Lombard General Insurance offers multiple private car insurance variants designed to suit different protection needs:
This statutory policy covers legal liability for bodily injury, death, or property damage caused to a third party. As per policy wording, it also includes compulsory Personal Accident cover for the owner-driver (₹15 lakh as per IRDAI norms), but does not cover damage to your own vehicle.
This all-inclusive plan covers both third-party liabilities and own damage to the insured vehicle due to accident, fire, theft, explosion, self-ignition, natural calamities (like flood, earthquake, cyclone) and man-made events (like riots or strikes). It allows optional add-ons for enhanced protection as specified in the policy schedule.
Designed for vehicles that already have a valid third-party policy, this cover protects against loss or damage to the insured car arising from accidental external means, theft, fire and natural or man-made perils. It does not include third-party liability coverage.
Available under the Package Policy, this add-on ensures that depreciation on replaced parts (such as plastic, fibre, rubber and metal components) is not deducted at the time of claim settlement, subject to terms and number of admissible claims mentioned in the policy.
A usage-based insurance variant under the comprehensive plan, where premium is linked to pre-selected kilometre slabs. It offers flexibility for low-mileage users while retaining core own-damage and third-party coverage benefits as per policy conditions.
ICICI Lombard allows you to customise your car insurance policy with specialised add-ons for enhanced protection, available at an additional premium:
This add-on provides 24×7 emergency support in case of breakdowns, including towing, fuel delivery, battery jump-start, and minor on-site repairs, ensuring you’re never left stranded on the road.
Designed to safeguard your car’s most critical component, this cover pays for repair or replacement costs arising from water ingression, oil leakage, or hydrostatic lock—losses usually excluded under standard policies.
With this add-on, ICICI Lombard covers the cost of consumable items such as engine oil, nuts, bolts, screws, washers, and filters used during repairs, reducing out-of-pocket expenses during claims.
This cover eliminates depreciation deductions on replaced parts, allowing you to receive the maximum possible claim amount regardless of your car’s age, subject to policy terms.
If your car is under repair at a network garage, this add-on provides a fixed daily allowance for alternative transport, helping you manage travel expenses during the repair period.
This add-on protects your personal items kept inside the car, such as mobiles and laptops, against loss or damage, based on the customised coverage selected in your policy.
Apart from these, ICICI Lombard also provides many other add-ons. To read the full extent of their offerings please refer to - https://www.icicilombard.com/docs/default-source/default-document-library/car-insurance-products-add-on-and-uin.pdf
With ICICI Lombard Car Insurance, you get protection against a wide range of risks, including:
Loss or damage due to accidents, theft, and terrorist activities
Coverage against natural calamities such as floods, earthquakes, storms, and fire
Third-party legal liability for injury, death, or property damage
₹15 lakh Personal Accident cover for the owner-driver
Cashless repair facility at 6,900+ network garages across India
No Claim Bonus benefits of up to 50% on renewal
Option to enhance protection with multiple add-on covers
Quick claim assessment and settlement through InstaSpect
The following situations are generally excluded from coverage:
Normal wear and tear and ageing of vehicle parts
Mechanical or electrical failures not caused by an accident
Damages occurring while driving under the influence of alcohol or drugs
Claims arising when the driver does not hold a valid driving licence
Indirect or consequential losses after an insured event
Loss or damage caused by war, mutiny, or nuclear-related risks
With ICICI Lombard General Insurance Car Insurance, customers enjoy a blend of convenience, reliability, and strong service support:
Access 6,900+ cashless garages across India for smooth, paperless, and hassle-free vehicle repairs.
Register and track motor claims instantly through the IL TakeCare app for quicker processing and minimal paperwork.
Get dependable assistance via call centres, live chat, and 330+ branches nationwide.
Enhance your policy with options like Zero Depreciation, Engine Protect, Roadside Assistance, and more.
Buy, renew, download, and modify your policy online anytime, without visiting a branch.
Clear coverage details and straightforward claim procedures ensure no hidden surprises.
Backed by years of industry experience and strong financial stability, ensuring long-term reliability.
You can purchase ICICI Lombard Car Insurance from Coverfox by following these simple steps:
Visit Coverfox’s Car Insurance Section – Go to the car insurance page and select ICICI Lombard as your preferred insurer.
Enter Vehicle Details – Provide your car’s registration number, make & model, and your contact information.
Compare Quotes & Options – View premium estimates, choose the type of cover (third-party, comprehensive etc.) and add-ons that suit your needs.
Select ICICI Lombard Policy – Pick the ICICI Lombard car insurance plan you want to buy from the list of insurers.
Make Online Payment – Pay securely using net banking, card or wallet to complete the purchase.
Receive Policy Document – Your ICICI Lombard car insurance policy is delivered instantly to your inbox.
ICICI Lombard General Insurance’s cashless garages let you get your car repaired without paying upfront, with benefits like doorstep pickup, quick InstaSpect inspection, genuine spare parts, and six-month service assurance. You also receive hygienic car care with sanitisation and wash, ensuring a safe and hassle-free repair experience.
To locate a nearby ICICI Lombard network garage:
Visit the official ICICI Lombard Cashless Garages page
Select Car
Enter your city or location details
Browse the list of authorised garages and select the nearest one for cashless repairs
1800 2666 (24×7)
+91 77382 82666
customersupport@icicilombard.com
022 61961323
ICICI Lombard House, 414 Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400025, India
Yes, you can purchase ICICI Lombard car insurance online through the official website or Coverfox with instant policy issuance.
Yes, it offers cashless repair services at 6,900+ network garages across India.
NCB is a reward for claim-free years, offering a premium discount of up to 50% on policy renewal.
Yes, theft is covered under comprehensive and standalone own-damage policies, subject to policy terms.
Yes, you can transfer your existing NCB from another insurer when switching to ICICI Lombard.
Roadside assistance is available as an optional add-on cover at an extra premium.
Claim processing is usually quick, with many cases settled within a few working days after inspection and document verification.
Yes, you can renew even after expiry, though inspection and loss of NCB may apply in some cases.
You can check policy details through the official website, IL TakeCare app, or customer portal using your policy number.
Yes, the Insured Declared Value (IDV) can be adjusted within the insurer’s approved range at the time of purchase or renewal.
Yes, you can switch your policy to ICICI Lombard during renewal while retaining NCB and coverage benefits.
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