How to File an ICICI Lombard Car Insurance Claim: A 5-Minute Guide

 How to File an ICICI Lombard Car Insurance Claim: A 5-Minute Guide

If you have ICICI Lombard Car Insurance and your car meets with an accident, it’s important to know how to file a claim the right way. Filing a claim doesn’t have to be confusing. In this blog, we’ll guide you step-by-step on how to file an ICICI Lombard Car Insurance Claim quickly and easily. Whether you have a Third Party Car Insurance Policy, Comprehensive Insurance, or a Standalone Own Damage Insurance, this guide is for you.

Illustration showing the process of filing an ICICI Lombard Car Insurance Claim with red cars, documents, and customer service representatives.
Learn how to file an ICICI Lombard Car Insurance claim in just 5 minutes with this easy step-by-step guide


Understanding the Types of ICICI Lombard Car Insurance

Before filing a claim, it helps to know what type of policy you have. ICICI Lombard offers different types of car insurance plans:

1. ICICI Lombard Third Party Car Insurance Policy

This is the basic insurance plan that covers damage to third-party property, injuries, or death caused by your car. You cannot claim for your own car's damage under this policy.

2. ICICI Lombard Comprehensive Car Insurance

This plan covers both third-party liabilities and damages to your own car. You can claim for accidents, theft, fire, natural calamities, etc.

3. ICICI Lombard Standalone Own Damage Car Insurance

If you already have third-party insurance from elsewhere, this policy only covers the damage to your own vehicle.

4. ICICI Lombard Zero Depreciation Add-On Cover

This is an add-on that ensures you get the full value of parts replaced during repairs, without deduction for depreciation.

5. ICICI Lombard Zero Depreciation Bike Insurance

Although not related to car insurance, this add-on works similarly for two-wheelers.

When Can You File an ICICI Lombard Car Insurance Claim?

You can file a claim in situations such as:

  • A road accident involving your car
  • Theft or burglary of your vehicle
  • Natural disasters (flood, earthquake, etc.)
  • Fire damage
  • Vandalism or riots
  • Damage while parking

Step-by-Step Guide: How to File a Car Insurance Claim with ICICI Lombard

Let’s walk through the process of filing your ICICI Lombard Car Insurance Claim.

Step 1: Inform ICICI Lombard Immediately

As soon as the incident happens, contact ICICI Lombard Car Insurance Customer Care at 1800 2666. You can also log in to their official website or mobile app to raise a claim.

Make sure you note the claim reference number that you receive. It will help you track your claim status later.

Step 2: Document the Damage

Take clear photos of the vehicle damage, accident site, and any third-party involvement (if applicable). This visual proof can help the claim process.

If there’s an injury or third-party damage, file an FIR at the nearest police station. It is a must for Third Party Car Insurance claims and theft-related cases.

Step 3: Submit Required Documents

You will need to submit the following documents to ICICI Lombard:

  • Car insurance policy number
  • Vehicle registration certificate (RC)
  • Driving license
  • FIR copy (if required)
  • Photos of the damage
  • ICICI Lombard Car Insurance Policy Document

You can upload these documents online or submit them at the nearest branch.

Step 4: Inspection and Survey

Once you report the claim, ICICI Lombard sends a surveyor to inspect the vehicle. If your car is in a network garage, the surveyor will inspect it there.

For minor claims, ICICI Lombard may even allow video inspection through their mobile app.

Step 5: Repair and Settlement

After the surveyor’s approval, you can go ahead with the repair at a cashless network garage. ICICI Lombard directly settles the bill with the garage.

If you repair the car at a non-network garage, you will have to pay the bill first and then submit bills to ICICI Lombard for reimbursement.

Track Your Claim Online

You can check your claim status anytime using:

Use your policy number or claim reference number to track it.

Points to Keep in Mind While Filing a Claim

  • File the claim immediately after the incident.
  • Don’t move the vehicle from the accident site until inspected, unless necessary.
  • Keep your insurance documents and driver's license with you at all times.
  • Check your eligibility for Zero Depreciation Add-On Cover for better claim amounts.
  • Claims under ICICI Lombard Standalone Own Damage Car Insurance are only accepted if you already have third-party coverage.

What if You Miss the Claim Deadline?

Usually, you should inform the insurer within 24–48 hours of the incident. Delays can lead to claim rejection. Always notify the insurer as soon as possible.

How to Avoid Claim Rejection

Here are some tips to avoid your claim being denied:

  • Don’t drive without a valid license.
  • Don’t drive under the influence of alcohol or drugs.
  • Always follow traffic rules.
  • Don’t try to file a false or inflated claim.
  • Ensure your ICICI Lombard Car Insurance Renewal is done on time.

Use the ICICI Lombard Car Insurance Premium Calculator

If you’re planning to buy or renew a policy, you can use the ICICI Lombard Car Insurance Premium Calculator available on their website. It helps you:

  • Compare premiums for different plans
  • Choose between Third Party, Comprehensive, and Own Damage policies
  • See the impact of add-ons like Zero Depreciation Cover

Conclusion

Filing an ICICI Lombard Car Insurance Claim is a simple process if you follow the correct steps. Whether you have a Comprehensive, Third Party, or Standalone Own Damage Policy, ICICI Lombard offers a smooth claim experience through their digital tools and wide network of garages.

Keep your documents ready, report the damage immediately, and follow up regularly for a quick settlement.


Location: Square Insurance Brokers Pvt. Ltd.506, 5th Floor, V-Jai City Point, Ahinsha Circle, C-Scheme, Jaipur (Raj.)-302001

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