ICICI Lombard Car Insurance Claim
| CASHLESS GARAGES | 6100+ |
| CLAIMS SETTLED | 96.75% |
| COMPREHENSIVE CLAIMS | UNLIMITED |
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ICICI Lombard offers comprehensive, third-party and standalone own damage car insurance policies to protect vehicle owners from financial and legal liabilities arising due to damage caused to their own vehicles or to a third-party, their property or vehicle.When a mishap occurs, customers follow ICICI Lombards' claim settlement process to seek a claim for the expenses incurred.
Claim settlement Ratio of ICICI Car insurance
ICICI Lombard is one of the most reliable private insurance providers. With 4 crore customers in India, ICICI Lombard has proven to be a trustworthy insurer. The claim settlement ratio of 93.4% within motor own damage insurance speaks for their efficiency and customer satisfaction.
Types of ICICI Lombard Claim Settlement Process
The claim settlement process can be classified into 2 categories, cashless and reimbursement. ICICI Lombard offers both cashless and reimbursement processes for claim settlement.
1. Cashless Claim Settlement Process
ICICI Lombard has a wide network of 13000+ cashless garages all over India. When you take your car for repair to any of those, there will be no need for any transaction for the repair which is covered under your policy.
2. Reimbursement Claim Settlement Process
The reimbursement process is one where you make payments to the garage and get the billing amount paid to you by the insurer.
For reimbursement claims, you need to get your car repaired at any garage of your choice and make payment to the garage. Then contact the ICICI Lombard claim assistance and submit the original repair invoice along with other required documents. Once the survey is completed and verified, ICICI Lombard will reimburse the approved claim amount.
ICICI Lombard Claim Initiation
Claim initiation is the first step of the claim settlement process and is very important. After observing the damage, you should initiate the claim as soon as possible. You can initiate a claim with ICICI Lombard through the following channels:
- Register your claim via the website.
- Call ICICI Lombard customer care on the 24x7 toll-free number 1800 2666.
- "File a claim" on the IL Take Care app.
- SMS CLAIM to 5757
How to File an ICICI Lombard Car Insurance Claim?
In different scenarios, there might be different approaches for filing a claim. A few of them are mentioned below.
Accidental Claims
Filing a claim in case of an accident has a procedure that needs to be followed for proper authentication and a smooth process. The procedure is given below:
1. Inform Your Insurance Company: Call your insurance company to inform them about the accident. Give a detailed description of the accident and the damages caused to your car. Make sure you maintain complete transparency and don't hide anything from the insurer.
2. File an FIR with the Police: Report to police and file an FIR immediately. A copy of the FIR will be required by the insurer to approve the claim. An FIR may not be required for minor scratches or dents but is mandatory when third parties are involved.
3. Take Pictures: Take pictures of the damages at the place of the accident. Make sure photos are clear and the damage is clearly visible so the insurer can clearly examine the extent of damage and settle the claim accordingly.
4. Submit Required Documents: Submit the required documents along with the claim form to process the claim. The most common documents required in the claim process are a copy of the FIR, the claim form, the RC of the car, and the driving licence of the person driving when the accident took place.
5. Get Your Car Repaired: Take your car to a garage to get it repaired or you can ask the insurance company to get the car fixed. You will be reimbursed for repair or compensated for losses once your claim gets approved.
Third-Party Claims
The process of the third-party claim settlement process is mentioned below:
1. File an FIR with the police right after the accident and keep a copy of it as well.
2. Obtain the third-party insurance details of the car owner.
3. Keep a copy of the chargesheet filed by the police.
4. You will need to hire a motor claim lawyer and file a compensation claim case in the Motor Accidental Claims Tribunal. Make sure you file a case at the local tribunal court of the area accident occurred.
In case of injury or death, some cases are settled out-of-court by mutual agreement. There are no issues of legality in it, but it is recommended to involve authorities in such cases.
In case of property damage, compensation is decided or rejected after hearing from both parties involved. The maximum limit of compensation for property damage is 7.5 Lakh Rupees.
Although these steps seem very simple and easygoing, in reality getting a satisfactory third-party claim is a tough process, hence it is recommended to safeguard your vehicle with a comprehensive policy that will avoid financial draining in cases of damage to your car.
Claim Process of ICICI Lombard Car Insurance
Online
Process of cashless claim settlement:
- Intimation: Inform the insurer about the damage as soon as possible and then take your car to the nearest cashless garage.
- Complete Surveyor: Complete the survey through the IL Take Care App or ICICI Lombard will appoint an independent surveyor to assess the damages and repair costs.
- Authorised Garage: Take your car to the nearest authorised garage for repairs.
- Approval and Repairs: Once the claim is approved, ICICI Lombard will authorise the garage to proceed with the repairs on a cashless basis.
- Direct Settlement: ICICI Bank will directly settle the repair bill making it a cashless settlement for the customer.
Offline
For an offline approach to claim settlement, you will have to intimate the claim by calling or visiting the branch of ICICI Lombard. You can ask the insurer to get your survey completed offline. If you wish to do that, the insurer will assign an independent inspector who will assess the damages to your car and calculate the estimated cost of repair and once approved the same procedure will follow as the online approach.
Documents Required for ICICI Lombard Claim Process
The following documents are required in the process of settling a claim:
- Claim form filled in and signed
- A copy of your Vehicles R.C.
- A copy of the Driving License of the person driving at the time of the accident
Below are the Additional documents required in case of theft
- R.T.O. Paper duly signed from the local R.T.O. Office
- N.O.C. from Finance Company in case the car is hypothecated
- Letter of Indemnity & Subrogation from a Notary located near a Local Court
These documents are a must in the process of claim settlement, but it is recommended to check with the customer assistance of ICICI Lombard if any other documents are required in your claim settlement process.
ICICI Lombard Car Insurance No Claim Bonus
No Claim Bonus (NCB) works as a reward for not claiming during the period of your car insurance policy. It gives you renewal discounts which apply to your next premium.
Details
- No claim bonus is calculated on your own damage premium only.
- After the first year of insurance without filing a claim, you get a 20% discount.
- The maximum NCB you can get is 50% of your Own Damage premium, which you get after 5 years of insurance without taking any claim.
Benefits
- NCB is rewarded to you, not your car. So it stays with you even if you purchase a new car.
- No claim bonus can be easily transferred in case you plan to change your insurer.
Limitations
- In case you change your car, NCB is transferable provided the new car belongs to the same class (as per the tariff) as the old car.
- In case you don't renew your policy in 90 days after expiry, you will lose your NCB.
ICICI Lombard Car Insurance Claim Assistance & Support
ICICI Lombard offers various channels to provide customer support. You can access ICICI Customer support by:
- Live Chat Support: A chatbot named ‘RIA’ is available on the website of ICICI Lombard to help you with basic assistance. Go to the website and click on ‘Ask RIA’ on the bottom right corner of the screen.
- Email Support: Write to the customer assistance team at customersupport@icicilombard.com and mention your concerns.
- Call back option: You can request a call back from ICICI Lombard customer care by tapping on the "Get a call back" button on the site.
- WhatsApp Updates: You can get updates on your vehicle repair on WhatsApp through ICICI Lombard.
- Mobile Application: The IL Take Care mobile Application is a centre point for every activity that concerns your policy. You can contact customer care through the application as well.
- Self-help portal: You can get to the self-help portal to follow your inquiries.
The Grievance Redressal Cell: ICICI Lombard has a grievance redressal cell that is obliged to protect the policyholder. They look into the complaints from the customers and provide solutions.
Insurance Ombudsman: When you have an unsatisfactory response from the grievance redressal in terms of claims or other complaints, you have the right to reach out to the ombudsman and escalate your query.
Common ICICI Lombard Car Insurance Claim Rejection Reasons
There are specific conditions that may lead to the rejection of the claim. The policyholder needs to check that the claim is not rejected due to the following reasons:
- Act of negligence
- Driving without licence
- Misinterpretation of facts
- Driving in intoxicated state
- Registration of a fraud claim
- Claiming wrong coverage amount
- Improper functioning of the vehicle parts
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer.
ICICI Lombard No Claim Bonus
The car insurance policy offered by ICICI Lombard comes with a range of advantages that offer a helping hand during times of need. The efficient and prompt insurance service and claim settlement benefit act as a companion that facilitates safe and secure drives. The car insurance policy provided by the insurance company helps reduce accidental worries and subsequent financial needs that may arise for damage repair. However, if you raise no claim in the policy period, you can gain a No Claim Bonus (NCB). It is a benefit that considerably cuts your cost of premium while offering you the same amount of coverage. In simple terms, it acts as a reward for safe driving and making no claims.
When it comes to No Claim Bonus, it is applicable only on a standalone own-damage car insurance plan and comprehensive car insurance plan. To keep this benefit intact, every policyholder should keep renewing his or her policy timely every year. Also, you can transfer this car insurance benefit to another car too as it is offered to the policyholder, not to the vehicle. You can also transfer this benefit from one car insurance policy to another policy to retain and use it for a longer period of time. The No Claim Bonus, wherever applicable, will be offered within the range of 20% to 50%, as it accumulates with every claim free year.
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ICICI Lombard Car Insurance Claim FAQs
How to register a car insurance claim?
Contact the company’s toll-free number to register a claim. You will be provided with a claim number for reference. Alternatively, you can SMS “CLAIM” to 575758 or use the ‘Lodge A Motor Claim’ service provided by ICICI.
When should I file an FIR?
An FIR needs to be lodged at the nearest police station in case of "Third Party Property Damage", "Bodily Injury" or "Theft".
How much do I need to pay in cashless claim settlement?
ICICI Lombard has a network of over 8,800 cashless garages. In a cashless claim settlement process, you need to pay only your part of liability. Whereas, the rest is paid by the company.
What are deductibles?
Deductibles mean the amount you are liable to pay in case of a claim. This amount is deducted from the total claim amount. Car Insurance Policy carries a Compulsory Deductible of Rs 1,000 (for vehicles less than 1500 cc) or Rs 2,000/- (for vehicles more than 1500 cc).
What is meant by Constructive Total Loss?
Constructive Total Loss or CTL means loss/damage of your vehicle when the cost of retrieval/repairs is more than 75% of the Insured Declared Value (IDV) of your vehicle.
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