In today’s digital era, buying car
insurance online has become fast, convenient, and cost-effective. Among the top
insurers in India, ICICI
lombard online car insurance stands
out for its seamless online process, instant policy issuance, and attractive
discounts. If you’re planning to secure your car with a reliable insurer, ICICI
Lombard online car insurance is a smart choice.
As an insurance content expert with
over 15 years of experience and 10,000+ blogs written in this domain, I’ll
share in-depth insights to help you understand ICICI Lombard’s online car insurance—from features and benefits to discounts and claims—following EEAT principles
for trust and authority.
Why Choose ICICI Lombard
Online Car Insurance?
Buying car insurance online from
ICICI Lombard offers multiple advantages:
- Instant policy issuance—no waiting period
- Paperless process—100% digital documentation
- Transparent pricing—no hidden charges
- Secure online payments
- Customizable coverage
- 24x7 customer support
- Access to exclusive online
discounts
Their advanced digital platform
ensures a smooth and user-friendly experience, even for first-time buyers.
Types of ICICI Lombard Car Insurance Plans
1. Third-Party Car
Insurance
This policy is mandatory as per
Indian motor laws. It covers:
- Injury or death of a third person
- Damage to third-party property
- Legal liabilities arising from accidents
However, it does not cover your own vehicle damage.
2. Comprehensive Car
Insurance
This is the most popular and
recommended plan. It includes:
- Third-party liability cover
- Own damage cover
- Theft protection
- Fire and explosion
- Natural disasters (flood, earthquake, cyclone)
- Man-made disasters (riot, vandalism)
- Personal accident cover
3. Standalone Own Damage
Policy
If you already have third-party
insurance, you can buy this plan to protect your car against:
- Accidental damage
- Theft
- Fire
- Natural calamities
Coverage Offered by ICICI
Lombard
What’s Covered?
- Accidental damages
- Theft or burglary
- Fire, explosion, self-ignition
- Flood, storm, earthquake
- Riot, strike, vandalism
- Personal accident cover (owner-driver)
- Legal liabilities to third parties
What’s Not Covered?
- Normal wear and tear
- Mechanical or electrical breakdown
- Driving under alcohol/drug influence
- Invalid driving license
- Consequential losses
- Usage beyond geographical limits
Add-On Covers for Enhanced
Protection
You can enhance your policy with
these valuable add-ons:
- Zero Depreciation Cover – Full claim amount without depreciation
- Engine Protect Cover—Covers engine damage due to water ingression
- Roadside Assistance
– 24x7 towing and emergency help
- Return to Invoice Cover—Get full invoice value in case of total loss
- Consumables Cover
– Covers engine oil, nuts & bolts
- No Claim Bonus Protection – Protects your NCB
ICICI Lombard Online
Discounts
When you buy ICICI Lombard car
insurance online, you can enjoy:
- Online purchase discounts
- No Claim Bonus (up to 50%)
- Long-term policy discounts
- Voluntary deductible
discounts
- Anti-theft device discount
Pro
Tip:
Maintaining a claim-free record and
renewing on time can help you save thousands on your premium.
How is the ICICI Lombard
Premium Calculated?
Your premium depends on:
- Vehicle age
- Car’s IDV (market value)
- Fuel type
- City of registration
- Claim history
- Add-ons selected
How to Buy ICICI Lombard
Car Insurance Online?
Follow these simple steps:
- Visit official website or trusted aggregator
- Enter car registration number
- Select policy type
- Customize coverage & add-ons
- Compare premium
- Make online payment
- Get policy instantly on email
ICICI Lombard Claim Process
(Online)
Step-by-Step Claim
Procedure
- Inform ICICI Lombard immediately
- Register claim online/app
- Provide accident details
- Surveyor inspection
- Repair at network garage
- Claim settlement
Required Documents
- RC copy
- Driver's license
- Policy copy
- FIR (if required)
- Repair bills
Cashless vs Reimbursement
Claims
Cashless Claim
- The insurer pays garage directly
- No upfront payment
- Only at network garages
- Faster processing
Reimbursement Claim
- You pay repair bills first
- The insurer reimburses later
- Any garage allowed
- Slightly more documentation
Benefits of ICICI Lombard
Online Car Insurance
- 8,800+ cashless garages across India
- Fast claim settlement
- High customer satisfaction
- Strong financial backing
- Advanced mobile app
- Easy renewals
Why Is ICICI Lombard a
Trusted Insurer?
- Over 20 years in insurance
- Backed by ICICI Bank
- 3+ crore customers
- High claim settlement ratio
- Transparent policy wording
Frequently Asked Questions
(FAQs)
Q.1.
Is ICICI Lombard online car insurance safe?
Yes, it offers secure transactions,
fast claims, and reliable support.
Q.2.
Can I buy an ICICI Lombard policy through Square Insurance?
Yes, you can easily compare and
purchase ICICI Lombard car insurance through squareinsurance, ensuring expert
guidance and competitive pricing.
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 document verification.
Q.5.
Can I transfer my No Claim Bonus?
Yes, NCB is transferable when
switching insurers.
Expert Opinion (EEAT
Perspective)
Having worked closely with multiple
insurers over the past 15 years, I’ve seen ICICI Lombard consistently deliver
quick claim resolutions and strong customer service. Their digital ecosystem
and transparent processes make them a reliable choice for modern car owners.
Conclusion
ICICI Lombard online car insurance
offers the perfect balance of:
- Easy online purchase
- Instant policy issuance
- Attractive discounts
- Strong claim support
Whether you’re buying a new policy
or renewing an existing one, ICICI Lombard provides flexibility, reliability,
and peace of mind.
Note:
Download our app "Square
Insurance POS – Apps on Google Play" to compare policies, track
renewals, manage clients, and grow your insurance business digitally.
