ICICI Lombard Car Insurance Review 2025
ICICI Lombard car insurance Review in 2025 Car insurance plays a crucial role in offering financial security during unexpected accidents. However, claim experience can differ from customer to customer. In this detailed review of ICICI Lombard Car Insurance in 2025, we share real customer experiences, outline the pros and cons, and provide a clear guide on how claims and renewals work — so you can make an informed decision before purchasing or renewing your car insurance policy.
Real Customer Experiences with ICICI Lombard Car Insurance
A Customer’s Story: Claim Partially Approved
“Hello friends, my name is Ayush Singh. I’ve been a policyholder with ICICI Lombard for three years without any claim. Four months ago, while driving back from Kolkata to Hyderabad, my car was hit by an auto, leaving scratches on the front bumper and side gate.
When I approached the service center and initiated the claim, the surveyor approved only the bumper repair. He said the side gate dent did not appear to be from the same accident. As a result, I received only a partial claim.”
This customer’s experience highlights how damage interpretation during surveys can affect claim approvals.
Another Experience: Claim Denied Over Misinterpretation
“I had been with ICICI Lombard for four years without any claim. My car was damaged in an accident with a street pillar at 3 AM. Later, I got a call from someone asking to rent my car — I refused and even offered my friend’s car.
But the surveyor rejected my claim, saying my car was used for commercial purposes, which was not true. Despite repeated calls and emails, I got no support.”
This shows how claim denial can happen if the company suspects commercial usage of a private car.
Rejection Due to Missing Documentation
“I switched my motor insurance from another insurer to ICICI Lombard two months ago. After an accident, I submitted all documents as instructed. The surveyor initially promised help but later rejected my claim citing that the damages were old and that there was no ‘breaking photo.’
I wasn’t even aware of such a requirement. If the surveyor didn’t flag this at the time of inspection, why was the claim rejected after a month?”
This is a reminder to ensure all documentation and photos are properly filed at the time of insurance purchase and claim initiation.
A Positive Outcome: Claim Settled After Delays
“When I met with an accident, I was guided by my service agent to ensure proper inspection at the service station. I had taken photos at the crash site. It took nearly a month, but I eventually got my claim amount.”
While many customers faced difficulties, some were able to receive their claims by following all procedures carefully.
Pros and Cons of ICICI Lombard Car Insurance in 2025
| Pros | Cons |
|---|---|
| Wide network of service centers and claim registration options. | Multiple customers reported claim rejections over technical or unclear reasons. |
| Easy to register claims through customer care, online, or showroom. | Surveyor assessments may lead to partial or denied claims. |
| Fast policy purchase and renewal process. | Some customers faced delays in communication and support. |
| Known brand name with established presence in India. | Lack of clarity about hidden clauses and documentation requirements. |
| Some claims are successfully settled when procedures are followed properly. | Missing “breaking photos” or mismatched damage reports have led to rejections for some users. |
Common Reasons for Claim Rejection (as Reported by Customers)
- Policy not valid on the accident date
- Delayed intimation (usually beyond 7 days)
- Invalid or no driving license
- Driver under the influence of intoxicants
- False or incomplete declarations about the accident
- Commercial use of a private car
- Vehicle used for racing or testing
- Expired vehicle fitness certificate (for commercial use)
💡 Tip: Always report accidents immediately, submit complete documents, and keep photographic evidence.
Aditya Birla Health Insurance Renewal in 2025
How ICICI Lombard Compares to Other Insurers
- Premium: ICICI Lombard generally offers a slightly lower premium.
- Claim experience: Customers report more frequent disputes or delays compared to competitors.
- Transparency: Clauses and documentation requirements may not always be clear at the time of purchase.
This comparison shows that price alone shouldn’t be the deciding factor — claim experience matters equally.
Buying Guide: How to Purchase ICICI Lombard Car Insurance
- Customer Care
Call the official customer care number listed on the policy or website to get assistance with new or renewed policies. - Online Purchase
Fill in the required details, make the payment, and wait for proposal approval. - Agent or Broker
An associated intermediary can help you with documentation and understanding coverage. - Authorized Showroom
Many authorized car showrooms can register claims and assist with policy purchase — provided they have a tie-up with ICICI Lombard.
Important: Ensure all required documents and photos are collected and stored carefully during policy purchase.
Is Aditya Birla Health Insurance Good in 2025?
Claim Filing Guide: Step-by-Step Process
- Immediate Intimation
Inform the insurer about the accident as soon as possible (preferably within 7 days). - Document Collection
Gather RC, driving license, insurance policy, accident photos, and FIR (if required). - Inspection
Keep your car at the authorized service station for inspection by the surveyor. - Claim Registration
Choose any of the four methods — call center, online portal, agent, or service center. - Approval and Settlement
If all conditions are met, the claim is processed and reimbursed or settled directly with the service center.
🚫 Claims filed after repairs or without inspection are often rejected.
Common Customer Frustrations with Claims
- Lack of clarity on documentation such as “breaking photo.”
- Surveyors rejecting claims after long delays.
- Rejections citing “old damage” even when accidents happened within the policy period.
- Perception of rude or unhelpful communication from some surveyors.
- Long waiting times for claim resolution.
However, some customers have also shared positive experiences when procedures were followed correctly and documentation was in place.
How to claim insurance for car damage
FAQs About ICICI Lombard Car Insurance
1. Can I file multiple claims in a year?
Yes, as long as your policy is active and the damages are covered, you can file multiple claims.
2. What happens if my policy renewal is delayed?
If renewed after expiry, coverage will only start from the payment date. The period in between will not be covered.
3. Is cashless claim possible?
In most cases, repairs need to be inspected first. Once approved, cashless settlement can happen at authorized garages.
4. Why was my claim denied?
Common reasons include delayed intimation, incomplete documents, mismatch between damage and accident report, or suspected commercial usage.
5. How can I avoid claim rejection?
- Inform immediately
- Keep photographic proof
- Ensure all policy documentation is complete
- Use authorized garages for repairs
Final Thoughts: Should You Choose ICICI Lombard Car Insurance in 2025?
- ✅ Easy purchase and multiple claim registration channels
- ❌ But also reports of partial or denied claims due to technicalities
Bottom line: If you choose this insurer, be very careful with documentation, report accidents on time, and ensure proper inspection. While some customers had frustrating experiences, others successfully received their claims by following the process closely.
Prospective Buyer Tips
- Take clear photos of your vehicle at policy purchase and accident time.
- Keep a copy of all documents submitted.
- Don’t delay claim intimation.
- Read all hidden clauses before signing.
- Prefer authorized garages tied up with the insurer.
Conclusion
Car insurance is more than just a premium — it’s about how smoothly your claim is handled when you need it most. ICICI Lombard Car Insurance continues to be a known brand, but claim experience varies greatly among customers.
If you decide to go with this insurer, prepare well, document everything, and know your rights and responsibilities as a policyholder. This will help ensure a smoother experience when the unexpected happens.
