Buying car insurance online has
become the smartest way to protect your vehicle. With just a few clicks, you
can compare plans, customize coverage, and get instant policy issuance. Among
India’s top insurers, ICICI
Lombard Car Insurance Online stands out for its reliability, fast claim
settlement, and digital-first services.
As a professional insurance content
writer with 15+ years of experience and 10,000+ blogs written in this domain,
I’ll guide you through everything you need to know about buying ICICI Lombard
car insurance online – including policy types, pricing, benefits, and expert
tips based on real industry experience.
Why Buy ICICI Lombard Car
Insurance Online?
Purchasing your policy online offers
multiple advantages:
- Instant policy issuance
- Easy comparison of plans
- Transparent pricing
- No paperwork
- Secure digital payment
- Option to add/remove covers anytime
- 24x7 support
ICICI Lombard’s online platform
ensures a smooth buying experience, making it one of the most preferred digital
insurers in India.
Types of ICICI Lombard Car
Insurance Plans
1. Third-Party Car
Insurance
This policy is mandatory as per
Indian law and covers:
- Injury or death of a third person
- Damage to third-party property
- Legal liabilities
However, it does not cover your own car damage.
2. Comprehensive Car
Insurance
A complete protection plan that
includes:
- Third-party liabilities
- Own car damage
- Theft
- Fire and explosion
- Natural calamities
- Man-made disasters
- Personal accident cover
This is the most recommended policy for maximum protection.
3. Standalone Own Damage
Policy
If you already have third-party
insurance, you can buy this policy to cover:
- Accidental damage
- Theft
- Fire
- Natural disasters
ICICI Lombard Car Insurance
Coverage
What’s Covered?
- Accidental damage
- Theft
- Fire & explosion
- Flood, cyclone, earthquake
- Riot, strike, vandalism
- Personal accident cover (owner-driver)
- Third-party liabilities
What’s Not Covered?
- Wear and tear
- Mechanical breakdown
- Driving under alcohol influence
- Invalid driving license
- Consequential damages
- Usage outside policy limits
Add-On Covers to Enhance
Protection
ICICI Lombard offers powerful
add-ons:
- Zero Depreciation Cover – No depreciation deduction
- Engine Protect
– Covers engine damage
- Roadside Assistance
– 24x7 towing & help
- Return to Invoice
– Get full invoice value
- Consumables Cover
– Nuts, bolts, oil
- NCB Protection
– Saves your bonus
ICICI Lombard Car Insurance
Price – How is Premium Calculated?
Your premium depends on:
- Car’s IDV (market value)
- Vehicle age
- Fuel type
- City of registration
- Claim history
- Add-ons selected
Tips to Reduce Premium
- Maintain claim-free history
- Transfer NCB
- Choose voluntary deductible
- Avoid unnecessary add-ons
- Install anti-theft device
Benefits of ICICI Lombard
Car Insurance
- 8,800+ cashless garages
- Quick digital claims
- High claim settlement ratio
- Instant renewal
- Strong financial backing
- Customizable coverage
- Mobile app access
How to Buy ICICI Lombard
Car Insurance Online?
Follow these easy steps:
- Visit official website or aggregator
- Enter car details
- Choose policy type
- Select add-ons
- Compare premium
- Make secure payment
- Receive policy instantly via email
ICICI Lombard Claim Process
(Online & Offline)
Step-by-Step Claim Process
- Inform ICICI Lombard immediately
- Register claim online/app
- Provide incident details
- Surveyor inspection
- Repair at network garage
- Claim settlement
Documents Required
- RC copy
- Driving license
- FIR (if required)
- Policy copy
- Repair bills
Cashless vs Reimbursement
Claims
Cashless Claim
- Insurer pays garage directly
- No upfront payment
- Available at network garages
- Faster processing
Reimbursement Claim
- You pay first
- Claim amount reimbursed later
- Can use any garage
- More documentation
Why ICICI Lombard is a
Trusted Brand?
- Over 3 crore customers
- Backed by ICICI Bank
- 20+ years in insurance
- Transparent policies
- Strong digital ecosystem
Renewal of ICICI Lombard
Policy
Renew online in minutes:
- Enter policy number
- Review coverage
- Add/remove add-ons
- Make payment
Benefits of Timely Renewal
- Avoid policy lapse
- Retain NCB
- No inspection
- Continuous coverage
Frequently Asked Questions
(FAQs)
Q.1.
Is ICICI Lombard good for car insurance?
Yes,
it offers fast claim settlement, wide garage network, and flexible plans.
Q.2.
Can I buy ICICI Lombard policy through squareinsurance?
Yes,
you can easily compare and buy ICICI Lombard car insurance through squareinsurance,
ensuring best premium deals and expert assistance.
Q.3.
Does ICICI Lombard provide zero depreciation cover?
Yes,
it is available as an add-on.
Q.4.
How long does claim settlement take?
Usually
within 3–5 working days after documentation.
Q.5.
Can I transfer my NCB?
Yes,
NCB is transferable when switching insurers.
Expert Opinion (EEAT
Perspective)
Having worked in the insurance
industry for over 15 years, I’ve seen ICICI Lombard consistently perform well
in claim handling and customer satisfaction. Their digital services and quick
response make them a reliable insurer for modern car owners.
Conclusion
If you’re planning to buy ICICI Lombard car insurance online,
it’s a smart choice. You get:
- Comprehensive coverage
- Affordable premium
- Fast claims
- Trusted brand value
Selecting the right add-ons and
maintaining a clean driving record can help you save significantly on premium
while staying fully protected.
Note:
Download our app "Square
Insurance POS – Apps on Google Play" to compare policies, track
renewals, manage customers, and grow your insurance business digitally.
