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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 .

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 is Car Insurance Online Claim?

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A claim can be defined as a legal statement made to gain the following:

• Money as per the terms of insurance
• Enforcement of a right against third party as stated in the policy


The legal document that carries ‘claim’ is often referred to as a ‘Statement of Claim’. It is often in the form of a communication expressed in the amount of cash which the party requires to pay or reimburse. Consumers may face many issues when filing the ‘statement of claim’. Although the process of filing a claim is straight forward, it is vital to carry it out in a proper manner. In the event of failure to do so, the claim may be declared null and void.


Check out the process for car insurance claims in India:


Step 1: Notify the Company

First, you should call your insurance company or representative at the earliest. Make sure you follow this step regardless of how far you are from home. It is crucial to inform the insurance company about the accident.

Step 2: Get Guidance

You should get adept guidance on how to proceed with the claims process from your insurance provider. Know about the forms and important documents required for the same. You can get this information on the car insurance online website.


Step 3: Documentation

You may require a "proof of loss" form in conjunction with the documents related to your claim such as bills for car repair, medical bills etc. Make sure you supply all of the necessary info to the insurer in order to process the claim.


Step 4: Expenses

Keep the records of all of your expenses incurred due to an accident.


Step 5: Keep Records

Make double sure you keep records of paperwork intact. The documentation may be required for reference later.

Process of Registering a Car Insurance Claim

Step 1:

Make sure you note the number of the other vehicle involved in the accident.


Step 2:

List out names and contact details of witnesses.


Step 3:

Get in touch with the insurance provider’s 24X7 call centre. Also keep the claim number/reference number handy.


Step 4:

Contact a call centre representative to get the details of documents needed for processing the claim. You should also provide the details of your preferred garage, where the facility for cashless repair is available.


Step 5:

File an FIR (First Information Report) at the nearest police station in the event of theft, damage to property, bodily injury, and other major damages.

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.

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

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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 documents required for cancelling Car Insurance policy due to Double Insurance with other Insurance Company?

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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 the policies from both the insurance companies)
• Original Policy Copy
• Policy copy of the other insurance company

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 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.

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

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

What happens after registering the Claim in Car Insurance Policy?

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The customer service manager from the insurance provider will get in touch with you. This happens within 24 hours of claim registration. Once the manager reaches the appointed place, you need to submit the copy of documents to him and get the originals verified. The manager will get the estimate for the repairs of your car. He will give spot approval after inspection. Once the repair process is completed at one of the network garages, the company will pay the bills directly to the garage (as per the terms stated in the policy).

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 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.

What 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 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 itr.

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.

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?

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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.

What is No Claim Bonus in Car Insurance Policy?

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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.

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 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 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).

In Car Insurance Policy do the 2 insured adults have to be spouses?

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

What is the Accident Cover for un-named passengers in Car Insurance Policy?

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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.

What is Third Party Liability cover? Is it covered in Car Insurance Policy?

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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.

What is Garage Cash Plan in Car Insurance Policy?

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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.

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.

Why do I need to insure my vehicle?

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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.

What are the benefits of buying a Motor Insurance online?

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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

What is the period of General Insurance policies?

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

What is the meaning of insurance?

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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.

What is Road Side Assistance in Car Insurance Policy?

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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 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