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Car Insurance

How to download insurance copy using policy number?

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1. For queries or complaints related to ICICI Lombard, you may contact ICICI Lombard on 18002098888 (Toll-Free) or write to customersupport@icicilombard.com. For more details, you may visit the ICICI Lombard website, www.icicilombard.com .

2. For queries or complaints related to ICICI Prulife, you may contact ICICI Prulife on 1800222020 (Toll-Free) or write to lifeline@iciciprulife.com.
For more details, you may visit the ICICI Prulife website, www.iciciprulife.com .

I want to make changes in my Car Insurance policy

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Following changes are allowed in the policy

1. 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 place a request and upload a scanned copy of your address proof
• You can also visit our nearest branch with a request letter for address rectification

Address change:
• 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:
• Invoice copy of the CNG kit/ Electrical/ Non-electrical accessories and endorsed RC (with LPG/ CNG) or letter with the declaration value
• Request letter
• 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:
1. Copy of your updated endorsed Registration Certificate (RC)
2. 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 financial institution and the endorsed copy of Registration Certificate (RC)
• You can also visit our nearest branch with these documents

Change of Hypothecation:
• Please send an e-mail with the policy details, a scanned copy of Request Letter, your sanction letter from the new financial institution, NOC from the previous financial institution 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 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

What is ARAI in Car Insurance Policy?

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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 does the Legal Liability cover for a paid driver include in Car Insurance Policy?

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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.

What are the documents required to cancel the Car Insurance policy?

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The documents required to cancel the policy by the customers are as follows
• Customer Request Letter
• Alternate policy proof (TP / Comprehensive)
• Original Policy Copy
• Sale proof of the vehicle or Sale Deed/Form 29&30 along with RTO acknowledgement. (in case of vehicle sold)
• NOC from financer if the vehicle is seized by the financerer.

What is the duration under Garage cash cover in Car Insurance Policy?

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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 is meant by Constructive Total Loss in Car Insurance Policy?

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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.

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

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

• 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

What is an endorsement in Car Insurance Policy?

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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 should I report to the police in Car Insurance Policy?

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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 an Accident Cover for un-named passengers in Car Insurance Policy?

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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.

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

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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 period of General Insurance policies?

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

Please provide the list of garages in my city where Cashless service is available as per the Car Insurance Policy?

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

What is the claim procedure adopted by the company for settlements in Car Insurance Policy?

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ICICI Lombard adopts the following process for settlement of claim:

For Cashless Claim settlement -
• The Customer Relationship Manager (CRM) / 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 CRM/ Surveyor/ Dealer) and submit all the required documents to the CRM/ Surveyor/ Dealer
• Our CRM 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 (CRM) / 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 CRM/ Surveyor/ Dealer) and submit all the required documents to the CRM/ Surveyor/ Dealer
• The CRM/ Surveyor assess the loss, estimates the repair amount and then informs the Insured on the same day of assessment. The CRM/ Surveyor will also take photographs of the damaged vehicle
• Insured can then get the vehicle repaired at preferred workshop/ garage. The CRM later carries out a re-inspection of the vehicle. The Insured then pays the workshop/ garage as per the CRM/ 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 CRM/ Surveyor
• The CRM/ 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

Can I renew my motor policy online?

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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.

How can I avail Road Side Assistance in Car Insurance Policy?

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

What is a premium bearing endorsement in Car Insurance Policy?

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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.

Which documents are required to file a claim in Car Insurance Policy?

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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

In Car Insurance Policy does the insured have to pay the difference if the actual expenses are more than the cover?

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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.

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

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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 are the documents required for cancelling the Car Insurance policy due to Double Insurance with ICICI Lombard General Insurance Co.?

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The documents required to cancel the double policy by the customer are as follows:

• Customer Request Letter (should contain the details of both the ICICI Lombard policies)

• Original Policy Copy

What is a non-premium bearing endorsement in Car Insurance Policy?

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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 are the different modes of payment on icicilombard.com for Car Insurance Policy?

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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 are the factors affecting the premium amount in Car Insurance Policy?

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The premium payable for your vehicle depends on the below factors:
• Cubic capacity of the engine
• Age of vehicle
• Geographical Zone
• Type of Model
• Insured Declared Value (IDV)

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

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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.

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

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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 Cashless Claim and Non-cashless/ Reimbursement Claim in Car Insurance Policy?

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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 a voluntary deductible in Car Insurance Policy?

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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 Third Party only cover in Car Insurance Policy?

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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.