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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.

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 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 are the services provided by ICICI Lombard under Road Side Assistance (RSA) feature o f Car Insurance Policy? *

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• 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

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.

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 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 are the various types of vehicle that I can insure online with Car Insurance Policy?

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

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 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.

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 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.

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 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 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.

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.

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

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.

How do I register my claim in Car Insurance Policy?

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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

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.

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.

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 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.

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 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

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.

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)

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 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