First of all I want to tell you all of you that please dont go for ICICI lombard General insurance. This is worst insurance company I ever had experience in my life. Me and my wife had an accident last year. I submitted all necessary document to the company and ask for the insurance amount. But the company refuse to do the same. Giving the stupid reasons which was not logical. So I request you all of you that if the ICICI Lombard General insurance company is ready to give you free Insurance policy dont go for it.