ICICI Lombard Car Insurance

ICICI Lombard Car Insurance is one of the leading companies in the country that offers comprehensive coverage to all vehicle owners. The company has consistently created and provided tailored insurance solutions that meet the demands and specifications of Indian consumers since its start. The business is a joint venture between Fairfax Financial Holdings Limited and ICICI Bank Limited.

Agents at ICICI Lombard are available 24 hours a day, seven days a week, and are committed to giving consumers high-quality customer support. In this post, we will discuss ICICI Lombard Motor Insurance and what it has to offer to the people.

ICICI Lombard Car Insurance at a Glance

Let us look at the features of ICICI Vehicle Insurance:

Particulars	Specifications
Premium	INR 2094*
Paperwork	Instant E-policy
Customer Support	24*7
Cashless Garages	5100+ Cashless Garages
Add-ons	You get multiple ICICI Lombard car insurance add-ons.

The data has been sourced from the company's website.

Key Features & Benefits of ICICI Lombard Car Insurance

ICICI Vehicle insurance provides full coverage and optional add-ons to improve coverage. Let us look at some of the key features and benefits of ICICI Motor insurance.

Easy Renewal Process: With ICICI car insurance, you get a simple & easy car renewal process. All you need to do is to go online and everything will be done.
Fast Claim Settlement Process: ICICI Car Insurance is one of those companies that offer a fast claim settlement process. It is convenient for a policyholder when asking for a claim if anything happens.
Easy Renewals: Renewing car insurance is a hectic task for anyone. However, ICICI Lombard offers an excellent renewal service. That is the reason why a lot of people like to buy ICICI Lombard Motor Insurance.
Pick-up and Drop service: ICICI Lombard offers a Pick-up and Drop service, making it one of the highlights of ICICI Lombard Car Insurance.

Coverage Under ICICI Lombard Car Insurance

Let us look at everything covered under ICICI motor insurance.

Add-ons: There are multiple add-ons under ICICI Lombard that you can get. As per the company’s website, you can get nine add-ons.
Instant Claim Settlement: This is another one of the highlights of ICICI Lombard Car Insurance. The insurance company has a speedy claim settlement process via the InstaSpect app.
No-Claim Bonus: The No Claim Bonus is a discount on the premium amount that the insurance company offers for not filing any vehicle insurance claims. This discount is continued and lowers the cost of auto insurance for each year without a claim. With ICICI vehicle insurance, you don’t need to worry about it, as you will get a fine and No-claim bonus.
Theft: If your automobile is stolen or suffers severe unanticipated damage that cannot be repaired without difficulty, ICICI Motor Insurance will pay you the insured stated value, also known as the car's total market value.
Natural Calamities: By acquiring damage protection or ICICI comprehensive car insurance that provides your four-wheeler, you will be insured against losses caused by natural disasters like earthquakes, floods, cyclones, etc.

Exclusions Under ICICI Lombard Car Insurance

According to every motor insurance company, there are often a few things the vehicle insurance policy does not cover. Let's examine the vehicle insurance exclusions for ICICI car plans.

Fake driving licence: Driving without a proper licence is unlawful, and ICICI vehicle insurance won't cover you.
Drunk driving/ Substance Abuse: Driving under the influence of alcohol or drugs is not covered by your standard auto insurance.
War: Any loss or harm sustained by the insured as a result of hostilities, such as a civil war or nuclear assault.
Wrong Geographic Location: Due to an invalid geographic location, damage to a covered vehicle beyond the policy's borders is not covered.
Mechanical Problems: if there is a mechanical or electrical problem with the insured vehicle, ICICI car insurance says it will not be covered.

Add-ons for ICICI Lombard Car Insurance

The add-ons that ICICI motor Insurance offers are as follows:

Engine Coverage: ICICI Comprehensive car insurance does not cover engine damage unless it occurs at the same time as the event. We'll investigate how this tweak affects the engine.
Roadside Assistance: In case of a car breakdown, support services will be more accessible thanks to roadside auto assistance protection. Your car being totalled won't be an issue thanks to the extensive network of ICICI four-wheeler insurance.
Consumables Coverage: A comprehensive auto insurance policy does not often include coverage for consumables in vehicles. Consumables like engine oil, lubricants, nuts & bolts, washers, etc., are covered by the ICICI add-on.
Garage Cash Cover: ICICI motor insurance provides a daily stipend for alternative transportation while the mechanic works on your automobile. This money can be used to cover cab or vehicle fares.
Zero-debt Cover: You are compensated by Zero Dep. cover for the reduced claim amount due to depreciation. ICICI vehicle insurance offers this add-on to make your auto insurance policy more inclusive.

Claim Process Under ICICI Lombard Car Insurance

The following describes the ICICI vehicle Insurance claim resolution process:

The first step is to initiate the claim. You must go to the ICICI car insurance website and enter the claim section.
The next step is to complete the video survey.
Upload the required documents and other relevant details for the claim process online.
Your claim will be initiated within a few days.

Renewal Process Under ICICI Lombard Car Insurance

The following describes the ICICI vehicle Insurance claim resolution process:

Online Method

You need to visit ICICI’s online car insurance renewal page.
Enter a few details and fill in the policy renewal.
Make the payment online.
Your car insurance policy will be renewed.

Offline Method

You can renew your ICICI Motor Insurance offline if you cannot do so online. You must present the relevant documentation to the centre to finish the renewal process.