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ICICI Lombard Car Insurance: Coverage, Benefits & Review

ICICI Lombard General Insurance Company Limited (IRDA Reg. No. 115) is a strong partnership between ICICI Bank Limited and Fairfax Financial Holdings Limited, a Canada based diversified financial services company.

ICICI Lombard was conferred with the 'E-Business Leader' Award in the General Insurance Category at the 5th annual edition of the Indian Insurance Award 2015 for its performance, growth, product and market innovation, customer service and technology.

ICICI LOMBARD comprehensive car insurance policy offers extensive benefits with easy and convenient online buying/renewing.

Types of Coverage

ICICI Lombard Insurance cover protects your vehicle against:

  • Third Party Personal Liability covers you against:

    • Legal liability due to permanent injury and / or death of a third party
    • Legal liability due to damage to a third party's property
  • Own Damage Cover protects against the loss due to:

    • Loss or damage to your own vehicle in accident
    • Loss or damage due to natural (fire, earthquake, etc.) or manmade calamities (burglary or theft)
  • Personal Accident provides adequate financial protection in case of Permanent Total Disability (PTD), death and cost of hospitalization due to a car accident.

Add-on Features

To supplement the coverage offered by the basic car insurance policy, ICICI Lombard offers add-on features at additional premium. Below are listed few:

  • Zero Depreciation Cover: This add-on makes you entitles you to claim the entire amount for the replacement of damaged parts of your car.

  • Garage Cash: With this add-on policy holder can request to compensate for the inconvenience caused while his/her car is being repaired.

Discounts Offered

ICICI Lombard car insurance offers specific discounts that can significantly trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on the number of consecutive claim free years.

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Significant Exclusions

While ICICI Lombard Car insurance policy is designed to provide adequate coverage against any ill-fated eventualities, there are certain scenarios that are excluded from the coverage. Below are listed few:

  • Mechanical breakdown

  • Consequential loss

  • Depreciation

  • Wear and tear

  • Any contractual liability

  • Intoxicated driving

  • Deliberate accidental loss

  • Damage due to nuclear weapons and war

How to Claim?

  • Intimate the claim on ICICI Lombard’s Helpline 1800-2666.

  • For cashless service, you need to get your car repaired at a garage within the network of ICICI Lombard.

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company.

Coverfox Review

Backed by a strong brand like ICICI, ICICI Lombard General Insurance is one of the market leaders in the insurance segment. With quick and reliable customer service clubbed with convenient and easy claims processing, the company surely deserves to be in the top 3 list. The car insurance plan offered is very comprehensive and when supplemented with appropriate add-on features can definitely secure your financial future in case of any unfortunate mishap ensuring a complete peace of mind.

Looking for More Information?

Understand all the benefits of ICICI Lombard car insurance plans

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