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ICICI Lombard is one of the biggest private-sector insurance companies in India. This is a joint venture between ICICI Bank, India’s second-largest bank, and Fairfax Financial Holding Limited, a financial company based in Toronto, Canada. The general insurance company, under which ICICI Lombard car insurance is offered, was established in 2001 and today is spread widely over all of India, with over 200 branches and a staggering 600+ network garages like FIDATO which is one of ICICI Lombard's cashless garages in Noida.
Apart from their huge network of garages, this insurance company is also popular with car owners because of their excellent customer support. Apart from having many branches, it also has its app InstaSpect through which you can self-inspect your car before filing for a claim. The claim settlement ratio is good, around 94%.
ICICI Lombard offers 3 types of car insurance. They are:
With this add-on, insured car owners can claim the full amount without considering the car's depreciation. Without this cover, the claim amount would be reduced based on the depreciated value of the car.
This add-on covers consumables like engine oil, brake fluid, A/C gas, and other internal parts such as nuts, bolts, and clips. It helps cover the cost of replacement or repairs of consumables, which are not typically covered under a standard policy.
If your insured car is being repaired at an ICICI Lombard networked garage, this add-on provides an allowance for a temporary car hire or covers transportation costs.
If your personal belongings inside the car are stolen or damaged while being transported, this add-on covers the monetary loss incurred.
This unique add-on allows car owners to pay premiums based on the mileage of their car. Available for various mileage ranges, this add-on is ideal for car owners who don’t use their vehicles often. If the mileage exceeds the preferred limit, an additional premium can be paid to top-up the cover.
With this add-on, you get 24/7 support in case your car breaks down. The assistance includes services like battery jump-starts, towing to the nearest ICICI Lombard Cashless Service Centre, and other minor repairs.
This cover protects against engine damage due to natural calamities such as floods. It covers the cost of repairing or replacing damaged engine parts, including those affected by water ingress or oil leakage.
What is a cashless garage facility, and how does it benefit me as an ICICI Lombard Car Insurance policyholder?
A cashless garage facility allows you to get your car repaired without paying upfront. As an ICICI Lombard Car Insurance policyholder, this convenience ensures you don't have to bear the initial repair costs; the insurer directly settles the bill with the garage.
Are there specific cashless garages in my area where I can get my car repaired under my ICICI Lombard Car Insurance policy?
Yes, ICICI Lombard Car Insurance has a network of cashless garages, including FIDATO in Noida. These garages offer convenient services for policyholders in your area.
How do I initiate a cashless insurance claim at an ICICI Lombard Car Insurance-authorized garage?
Contact ICICI Lombard Car Insurance's helpline or website to start a cashless claim. Provide incident details, and they'll guide you through the repair process. FIDATO, one of ICICI Lombard's cashless car accident garages in Noida, can assist you with this process.
What documents must I submit when making a cashless claim at an ICICI Lombard Car Insurance-affiliated garage?
Typically, you will need to provide your insurance policy details, a copy of the FIR (in case of an accident), vehicle registration number, and driver's license. Garage staff will assist you with the necessary paperwork.
Is there any additional cost involved when opting for cashless car repairs through ICICI Lombard Car Insurance?
Generally, there won't be additional costs for using the cashless garage network. Your insurance policy covers eligible repair expenses, with any applicable deductibles payable by you.
Can I choose a garage of my preference for repairs, or am I restricted to using the network of cashless garages provided by ICICI Lombard Car Insurance?
While you decide to choose a garage of your choice, using ICICI Lombard's cashless garages ensures a smoother, cashless claims process. Opting for a non-network garage may require you to initially cover repair costs.
What is the typical turnaround time for getting my car repaired at an ICICI Lombard Car Insurance cashless garage?
Repair times can vary based on the extent of damage, but ICICI Lombard Car Insurance aims for efficient service to get you back on the road as soon as possible. Opting for repairs at any of the authorized ICICI Lombard Cashless Service Centres in Noida or elsewhere typically speeds up the claim process compared to non-network garages.
Are there any special provisions or services, such as roadside assistance, offered through ICICI Lombard Car Insurance's cashless garage network?
Yes, ICICI Lombard Car Insurance may offer additional services like roadside assistance through its network of affiliated garages. FIDATO, as part of the ICICI Lombard cashless car service centre in Noida, provides such services, ensuring help during breakdowns or emergencies on the road.
