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We offer the following services under Road Side Assistance
Breakdown support over phone
Minor Repairs
Flat Tyre
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 kindly refer Policy Wordings of your private car ​insurance plan.
*For list of services applicable in a policy, please refer policy schedule.
Can I renew my car insurance policy online?
yes,you can renew your car insurance policy online, starting 60 days before expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission of the required documents.
What are the exclusions under RSA cover?
Services for Road Side Assistance will not be provided in the below mention scenarios-
Providing the above mentioned services under conditions of earthquake, war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s) of government(s)/government agencies/judicial/quasi-judicial authorities.
Any claims where your vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations
Any claim where your vehicle can safely be transferred on its own power to the nearest garage/workshop
Any claims triggered by theft; any kind of consequential losses
Any loss which is covered under any other insurance policy or manufacturer’s warranty or recall campaign or under any other such packages at the same time
Any expenses for supply or replacement of parts/consumables
Any loss/damage caused to your vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual
Any claims where services have been availed of without the prior consent of the Company
Does ICICI Lombard General Insurance Company only provide services in times of car breakdown or does it pay for the other expenses too?
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 Garage Cash Plan?
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.
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*What is the duration of days covered under Garage Cash Cover?
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.
*As per the plan opted
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What are the events covered in ICICI Lombard Motor Insurance policy?
Our policy is a comprehensive vehicle insurance plan, which offers you coverage for:
Any Loss or damage to your vehicle
Third Party Liability
Any permanent injury / death to a person caused by your insured vehicle
Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your vehicle
A Personal Accident Cover for the owner-driver of the vehicle while he is driving
In case of loss or damage to the vehicle or the accessories insured, we cover your expenses if the accident occurs due to the following hazards:
Fire, explosion, self-ignition or lightning
Burglary, housebreaking or theft
Riot and strike
Earthquake (fire and shock damage)
Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
Accident by external means
Malicious act
Terrorist activity
Whilst in transit by road, rail, inland-waterway, lift, elevator or air
Landslide and rockslide
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What are the types of events or losses not covered under this policy?
The following events or losses are not covered in this policy:
• Mechanical/ Electrical breakdown
• Wear and tear, ageing of vehicle
• Consequential loss*
• Depreciation
• Deliberate accidental loss
• Intoxicated driving
• Any contractual liability
• Damage to/ by a person driving any vehicles or cars without a valid license
* Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his vehicle met with a road accident resulting in damages to vehicle and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approx `15 Lakhs. Damages to vehicle due to the accident are covered however, but the loss of `15 Lakhs is consequential and hence not covered.
For details, kindly refer to the Car Insurance Policy Wordings.
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What is Third Party Liability cover? Is it covered?
Third Party Liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party insurance covers the following losses:
• Any permanent injury / death to a person caused by your insured vehicle
• Any damage caused to the property (excluding vehicle) of some other individual by your insured vehicle
Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered up to `7.5 Lakhs in case of Private Car and `1 Lakh in case of Two-wheeler.
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How is the value of the vehicle (IDV – Insured Declare Value) determined?
The IDV of the vehicle is to be fixed based on the manufacturer’s listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation.
The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

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