ICICI Lombard Car Insurance Claim
ICICI Lombard Car Insurance makes it really easy for customers to settle claims. In the financial year 2023, the ICICILombard car insurance claim settlement ratio is 85.45%.
If you need to make a claim with ICICI Lombard, the process is straightforward. They have a help desk ready at every step to assist you. Here’s a simple guide on what you need and how to go about making a claim.
Types of ICICI Lombard Car Insurance Claim Settlement Process
ICICI Lombard has two ways to settle claims: cashless and reimbursement.
1Cashless Claim Settlement Process
ICICI Lombard partners with over 13000 cashless garages across India. If you take your car to one of these garages for repairs, you won’t have to pay out of pocket for anything covered by your policy.
2Reimbursement Claim Settlement Process
In the reimbursement process, you pay the garage first for the repairs, and then ICICI Lombard pays you back the amount you spent.
Documents Needed for ICICI Lombard Claim Process
To settle a claim with ICICI Lombard, you will need the following documents:
- A completed and signed claim form.
- A copy of your vehicle's Registration Certificate (RC).
- A copy of the driving license of the person who was driving at the time of the accident.
1Additional Documents for Theft Claims
- Official papers signed by the local RTO (Regional Transport Office).
- A No Objection Certificate (NOC) from the finance company if the car is under a loan.
- A Letter of Indemnity & Subrogation from a notary near a local court.
These documents are essential for settling a claim. However, it's a good idea to contact ICICI Lombard customer support to see if you need any more documents for your specific claim.
Starting a Claim with ICICI Lombard
Starting your claim is the first step in the process and it's very important. After you see any damage, you should start your claim right away. You can begin a claim with ICICI Lombard in several ways:
- Register your claim on their website.
- Call their customer care at the toll-free number 1800 2666, available 24/7.
- Use the "File a claim" option on the IL Take Care app.
- Send a text message saying CLAIM to 5757.
ICICI Lombard Car Insurance Claim Process
1Online
Here’s how the cashless claim works:
- Intimation: Tell the insurer about the damage quickly, then take your car to the nearest cashless garage.
- Complete Surveyor: Use the IL Take Care App or let ICICI Lombard appoint a surveyor to check the damage and estimate repair costs.
- Authorized Garage: Take your car to an authorized garage for repairs.
- Approval and Repairs: Once your claim is approved, ICICI Lombard will tell the garage to go ahead with the repairs without you having to pay.
- Direct Settlement: ICICI Lombard pays the garage directly, so you don’t have to handle the payment.
2Offline
For offline claims:
- You need to inform ICICI Lombard by calling or visiting a branch.
- Ask for a survey of your car to be done offline. ICICI Lombard will send an inspector to check your car and estimate the repair costs.
- Once approved, the repair process is the same as online, but you start the claim by speaking directly to an ICICI representative.
Common Reasons ICICI Lombard Car Insurance Claims Are Rejected
Your claim might get rejected for several reasons. Make sure none of these apply to your claim:
- Being careless.
- Driving without a license.
- Giving false information.
- Driving while drunk.
- Making a fake claim.
- Claiming the wrong amount of money.
- Parts of the vehicle not working properly.
- Not providing enough details to process the claim.
- Not telling the insurer quickly after an accident.
FAQs
Deductibles are the amount you pay from your pocket when you make a claim. This amount is taken out of the total claim amount. For cars with an engine size less than 1500 cc, the compulsory deductible is Rs 1,000, and for cars more than 1500 cc, it's Rs 2,000.
Constructive Total Loss (CTL) happens when your vehicle is so badly damaged that the cost to fix it is more than 75% of the Insured Declared Value (IDV) of your vehicle.
This can vary for each claim, and ICICI Lombard aims to make response time for claims as quick as possible. For specific timelines, you can contact the customer service department.
Yes, you may go to any garage for repairs; however, availing the cashless repair service is possible only when you have gone to one of the network garages of ICICI Lombard.
If your claim is rejected, ICICI Lombard will provide you with the reasons for the rejection. You can review the reasons and if necessary, provide additional information or clarification to appeal the decision.
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