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About car insurance comparison

Comparing car insurance is a necessary step before you pay for the deal. Thanks to various aggregators who offer insurance information online, users can easily compare car insurance policies. When you buy car insurance online the documentation is simple and multiple comparison options are available in a single tab for you to make the best purchase.

However, it is difficult to always get the best results from car insurance comparisons. The reason for this is simple. Most companies advertise their insurance as the best product with loads of added perks. Hence, it is very confusing to pick one from the list. Also, what constitutes the best deal differs depending on the country or type of vehicle you are opting for.

To compare car insurance, it is important to understand which aspects need to be compared. Here are a few golden rules to remember when it comes to car insurance comparison:

The car insurance should have third party cover for life and property. Hence, any third party who incurs loss because of an accident caused by your vehicle, the car insurance company will bear the expenses. Some policies offer medical coverage as a separate aspect of the insurance package. Medical coverage pays predominantly for the cost of treatment of injuries and compensation for lost wages, if opted as a part of add on cover.

Always check the grievances settled. "Car insurance comparison will be a useful activity only if you include this factor. If the company has a better history of settled grievances, then use their services. "

Lesser insurance premium does not guarantee competitiveness. The insurance that costs less is not always the best insurance. Check for the services it provides and whether the higher price is a suitable trade-off for the benefits it provides.

Benefits of car insurance

There are many benefits of car insurance which is why it is a mandatory aspect of buying a car.

Protection against loss or damage

A car insurance protects against any loss or damage caused to the insured vehicle. Coverage against any loss or damage caused by accidents, fire theft, self-ignition, explosion, lightning, riots, terrorist activities, or natural calamities. Since we are prone to any of these over the course of our lifetime, a cover will help you swim through such challenging times. Coverage to family members in the event of a death in the family: If the member who died is the sole earning member of the family, then the other members can benefit from the insurance coverage. The insurance coverage will provide for legal fees, other lawsuits, etc.
Additional cover

Getting car insurance also comes with its share of perks. Zero depreciation, roadside assistance, return to invoice, engine protection, consumables cover can also be added to a comprehensive insurance. A car insurance policy would also provide cover if an accident occurs. Personal accident benefit up to ₹15 lakh would be given to the owner-driver of the car, if the same has been opted for.

For a limited car insurance premium paid over a period of time, your family will get a big corpus in the event of an accident.
No Claim Bonus

If you don’t make claims during the policy period, you can avail the no claim bonus while renewing your car insurance policy.

Benefits of Comparing Car Insurance

Car insurance comparison helps you make better decisions for your vehicle. Some potential benefits on offer are:

Save Money

Comparing car insurance can help you find the best deals. You can choose a plan offering the right coverage at a low premium, thus saving money in the long run.

Better Coverage Options

Each insurance company offers different coverage options. Car insurance comparison helps you choose a policy offering optimal coverage at a cost-effective price point.

Identify Discounts

Several insurers offer discounts based on factors like safe driving, low claim history, and installing anti-theft devices. Comparing policies can help you discover these discounts.

Eliminate Extras

Some policies include features you don't need. Comparison helps you eliminate extras that add to the premium, ensuring you pay only for the essentials.

How to compare car insurance policies?

How to compare car insurance policies is a question that pops up in every car owner's mind. After all, every company will claim that their car insurance policy is the best. But car insurance can easily be compared, thanks to car insurance comparison websites.

Getting the right insurance depends on a range of factors like the insurance premiums, the make and model of your car, the money you are willing to spend on an insurance package and more.

Let us check out some of the factors to keep in mind to compare car insurance:

Price - One may prefer purchasing a car insurance policy whose insurance premium is the cheapest. However, you may also have to check out the features of the policy which are being made available for that price. You must choose a policy which is not only easy on your wallet but also fulfills all your needs.
Coverage and add ons - Apart from the basic coverage, also consider the various add-ons such as zero depreciation, engine protection etc. For this, you may wish to consider your driving habits as well as the city you are from. For example, if your city gets flooded during the monsoons, an engine protection cover would be critical.
Reviews by customers - While browsing for insurance online, you can even check written and video reviews left by customers on various portals. Apart from online reviews, you could interact with car owners in your network to seek genuine advice. You must especially interact with those who have filed claims.
Evaluating each of these factors will provide you with an insurance product that is competitive and at the same time ensures sufficient coverage.

How to Choose a Car Insurance?

Choosing the right car insurance is crucial for protecting yourself and your vehicle. With several options available, it can be confusing to know which policy suits your needs. Here’s how you can make the right decision:

Understand Your Needs

Before choosing a car insurance policy, think about your specific needs. Do you drive often or only occasionally? Do you have an expensive car or one that’s more affordable to repair? Your answers will help determine the level of coverage you need.

Compare Different Plans

Don’t settle for the first insurance plan you come across. Compare several plans offered by different companies. Look at the premiums, coverage options, and benefits. Make sure to compare similar plans, like comprehensive insurance versus third-party insurance, so you’re comparing apples to apples.

Check Coverage Options

Car insurance comes with different coverage types:

Third-party insurance: Covers damage to other people’s property or injury to others. It's mandatory to have it to drive on Indian roads.
Comprehensive insurance: Offers wider protection, covering your own car as well as third-party damage. Decide if you want basic third-party insurance or the more extensive coverage offered by a comprehensive plan.

Look for Add-ons

Add-ons or riders enhance your policy. The common ones are:

Zero depreciation cover: Eliminates depreciation costs during a claim
Roadside assistance: Provides help if your car breaks down
Engine protection: Offers coverage for engine damage due to factors like waterlogging

Check Insurer’s Claim Settlement Ratio

The claim settlement ratio indicates the percentage of claims an insurer has settled. A higher ratio means the company is more likely to approve your claim. Opt for an insurer which has a track record of a high claim settlement.

Review the Policy Terms Carefully

Always read the policy terms carefully before buying. Look out for exclusions and limitations, such as what types of damage are not covered. Being aware of these details will prevent surprises during a claim.

Factors Affecting Car Insurance Comparison

The following factors can affect comparison:

Vehicle Type

The car you drive affects insurance costs. Expensive cars usually cost more to insure.
Deductibles

A deductible is the amount you agree to pay out of pocket before the insurance kicks in. Policies with higher deductibles often come with lower premiums.
Coverage Offered

The amount of coverage offered by a policy can affect comparison. A comprehensive car insurance policy costs more than a third-party policy.
Location

The location where you live and are likely to drive your car can affect comparison. Premiums can shoot up if you live in an accident-prone area or zone that experiences frequent natural disasters.

How Does ICICI Lombard Car Insurance Work

What is covered under car insurance?

Car insurance covers all types of expenses including medical expenditure, legal fees and repairs needed for the damages to the car. It can include damages to third party property, injury of passengers in your car or to yourself.

The main components of car insurance include auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage and personal injury protection.

Liability coverage: Injuries caused to a third party will be reimbursed if you or your vehicle caused the accident.
Property damage Liability: Any damage to a third party property will be covered while driving.
Uninsured and underinsured motorist coverage: Driving without insurance is a crime punishable by law. Despite the clause, if you are hit by an uninsured vehicle, it will not help pay your medical bills or even repair the vehicle. Also, if you are hit by an underinsured motor vehicle, then the medical costs will not be borne by the other party. In such cases, having uninsured and underinsured motor coverage will help.

Types of car insurance

There are mainly two types of insurance provided in India.

Third party car insurance policy: This includes damage caused to your car and to the third party's property. Plus, the injury caused to you and your fellow passengers. It will cover the cost of damage to the car, the damage to fellow passengers, and also to the driver. In short, any damage that arises out of a collision will be covered by a third-party car insurance.

Comprehensive car insurance policy: Helps covering your car against theft, fire, natural disasters like earthquakes, flood, snow, vandalism, as well as damage caused by animals, riots, terrorist attacks, etc.

Comprehensive insurance has a certain feature called deductible.

If your vehicle gets damaged, then you would have to pay an amount towards the repairs before your car insurance covers the remaining. The component paid from your pocket is known as a deductible. There are two types of deductible: Voluntary and Compulsory

Voluntary deductible: In this case, the policyholder determines a limit upto which the policyholder would pay before claiming the remaining from the insurer. A higher limit (or amount) would mean a lower premium. The limit (or amount) is chosen by the policyholder on the basis of risk appetite and affordability.

You can add other benefits to a comprehensive car insurance plan like accessories cover, engine protector, zero depreciation cover, medical expenses, etc.

Apart from considering the types of car insurance policies while conducting car insurance comparison, one has to look at some more aspects.

Compulsory deductible: The compulsory deductible limit (amount) is fixed by the insurance regulatory body, IRDAI. It has to be mandatorily paid by the policyholder in case of a claim. The amount is ₹1000 for four wheelers with a cubic capacity of 1500 cc or less and ₹2000 if cubic capacity is more than 1500 cc. In certain cases (if the car is older or has a higher cubic capacity etc), the insurer may charge higher.

Things to Do Before Doing a Car Insurance Comparison

Car insurance comparison is essentially comparing different car insurance plans. Before you compare car insurance policies, here are some things you need to keep in mind:

Understand Your Insurance Needs

Analyse what type of coverage you need. Do you only want basic third-party coverage, or are you looking for more comprehensive protection? Knowing your needs will help compare different plans.

Set a Budget

Determine how much you are willing to spend on car insurance. Having a clear budget will make it easier to compare policies without overspending.

Gather Important Information

Before starting, make sure you have all the necessary details on hand, such as your car’s registration number, make, model, and year of manufacture. This information will help you get accurate quotes.

Understand Different Policy Types

Familiarise yourself with different types of car insurance policies, such as third-party liability, comprehensive insurance, and standalone own-damage policies. Knowing the differences will help you choose the best option for your needs.

Check for Add-ons

Look for add-ons like roadside assistance, zero depreciation cover, and engine protection. These add-ons can enhance your coverage and provide more value for your money.

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How to Compare Car Insurance?

Which Type of Vehicle Insurance is the Best?

The policy that meets your needs is the best. It’s recommended to go for a comprehensive car insurance policy that covers own damage and third-party liabilities.

How to Compare Car Insurance Rates Online?

To compare car insurance rates online, visit the insurers' website and enter your car's details, including its make, model, and personal information. You will get quotes based on these details instantly. Note them down and compare.

How to Choose the Best Car Insurance Policy in India?

Assess your coverage needs and compare quotes from multiple insurers. Equally essential is to look at the insurer’s claims settlement ratio and service quality.

Reviews and ratings

4.6
Our customers have rated us
Based on 640 reviews

I just purchased this car insurance policy because of the following reason even after getting cheaper offer from other competitors: 1. Proper follow up and prompt update 2. The way your team explained the feature of policy such as 24x7 road side assistance, zero depreciation, and high number of cashless garages etc. 3. Excellent customer service

Your team was very helpful in telling the details of the premium breakup and the IRDA specific mandates. Unlike others, they informed me about the terms and conditions of zero depreciation coverage in the car insurance policy. Thanks for advising and helping with information.

Nice support and assistance given by your support team for renewal of my car insurance policy. Because of service and benefits offered by ICICI Lombard, I migrated from existing insurance firm to ICICI Lombard.

Very helpful team of ICICI Lombard, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.

Thank you for the excellent service and clarification provided in even the minute details. Helped me a lot and I got a clear insight of the ICICI Lombard car insurance services. Thank you again. Keep up the good work.

I renewed my car insurance policy online, it was a very good experience I got a very nice guidance by your team. I would like to give 5 stars rating for the service.

Your sales representative has been fantastic on his customer service skills. He has been very informative, and ensured that, I as a customer is completely comfortable before making the move to buy car insurance policy. Wish him good luck and graceful career ahead.

I am extremely satisfied with the way your Customer Support Executive addressed my need over phone and helped me renew my car insurance policy which was expiring today. His excellent service encouraged me to take this policy from ICICI Lombard instead of going to some other service provider. Keep up the good work.

I was serviced by your team, they explained all the silent features of the car insurance policy and helped me to renew my car policy from ICICI Lombard.

I am very much impressed with the customer care representative of ICICI Lombard, who helped me in the process of renewing my car insurance policy over the phone. She explained each and every information of a policy. Thank you.

I am really delighted by the support, guidance and behavior of ICICI Lombard representative. The way she has guided me it’s really outstanding. "A Brand cannot be created by advertisement, it can be created only by good Customer Experience" A real caring human touch for the customer. She is an asset for any Organization. All the Best, Thank You

To whomsoever it may concern, would like to acknowledge the excellent support provided by ICICI Lombard team in purchasing a new car insurance policy. They explained me inclusion & exclusion of a policy. Great job. Please keep it up.

I spoke with one of your representative, she was brilliant in order to make me understand all the benefits of the car insurance and very calmly shared the exclusions. Amazing customer service given by her. I wish her all the best for all her future endeavors.

It was a pleasure interacting with your team to buy an insurance policy for my car. They had a great understanding of the product and its features. An absolute customer delight.

Great follow up and persistence from ICICI Lombard team. They had clearly elaborated on the options and the plan available in car insurance. They had been following up for the last 20 days with patience. Kudos!!

Hi! I received an excellent support from your sales executive to get my old Car Insurance renewed with ICICI Lombard. He explained all the intrinsic details about the policy that I was looking for. His explanation and inputs helped me to make a decision of buying this policy. I appreciate his customer centric approach and his patience.

I’d like to take a moment to express my appreciation for your team member, who was extremely helpful when I called the customer care to renew my Car Insurance policy 3001/76974158/03/000. It was good to start the year with a positive customer experience. Thanks

Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth. She explained to me the advantages of the policy, such as personal accident coverage of Rs. 2 lakh, in a clear and simple language. I’m really grateful for her assistance.

ICICI Lombard’s agent gave me complete information about the policy benefits, including roadside assistance and coverage against third-party legal liabilities. Moreover, she satisfactorily answered my queries, and made the policy buying experience seamless and easy for me. Thanks for being so supportive.

I got a prompt and excellent service from ICICI Lombard while purchasing a car insurance plan. Your agent gave me a comprehensive explanation about the benefits of the policy, including roadside assistance for accommodation and minor car repairs. Thanks for the fantastic experience!

I had a nice conversation with your customer care executive. He explained clearly the ins and outs of your car insurance plan including benefits such as inbuilt personal accident coverage. The polite way in which he answered each and every of my questions convinced me to purchase the policy.

My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous. Though the system faced some issues with the login and vehicle description, all in all, the process of policy purchase was very easy for me.

I’m delighted with ICICI Lombard’s customer service. The customer care person was very meticulous with his follow-ups, and ensured that the process of buying the car insurance policy was quick and easy for me. Good work! Keep it up.

The agent handled our interaction in a smooth and professional manner. She was able to resolve the technical glitch I’d been facing while buying ICICI Lombard’s car insurance policy online. I really appreciate her patience, and wish her great success for the future.

I received excellent support from your customer service associate while purchasing my car insurance policy. She made regular follow-ups, resolved all my queries, and really managed to convince me to become a policyholder with ICICI Lombard. God bless her!

Just bought a car insurance policy from ICICI Lombard. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance.

The salesperson was of great help to me while I was buying car insurance from ICICI Lombard. He showed genuine interest in answering all my queries, and helped me to complete the purchase. Appreciate his patience. Keep it up!

I renewed my car insurance with ICICI Lombard today. I’m happy with the comprehensive explanation of the policy provisions that was provided by your customer service associate. He even helped me to buy an accident insurance plan. Appreciate the support.

I would like to thank your customer sales representative for helping me choose the right policy for my car. She shared with me all the information I’d requested for with regard to your insurance plan. Kudos to her for the excellent support!

My conversation with your insurance advisor regarding the purchase of my car insurance plan turned out to be quite nice. He simplified the ins and outs of the policy, principally the advantages such as personal accident cover of Rs. 2 lakh. Thanks for the lucid explanation!

I’d been looking up car insurance quotes online when your executive gave me a call. She sold me the idea of renewing my insurance with ICICI Lombard by highlighting the policy benefits like personal accident cover of Rs. 2 lakh, and coverage against third-party legal liabilities.

Had a smooth, hassle-free experience while buying car insurance from ICICI Lombard. The customer service representative gave an excellent description of the policy advantages such as cashless services across an expansive network of garages. I am glad to have made the decision to buy the plan.

Your executive spoke with me for nearly an hour in order to help me buy the right policy for my car. His precise answers to all my insurance queries has left me impressed. His dedication and devotion to his work is clearly evident. I wish him a successful career with ICICI Lombard.

ICICI Lombard’s executive was very diligent with his follow-ups. He responded to my queries in a courteous manner, and guided me through the purchase of my car insurance. I would love to interact with him again in the future for any insurance needs. Thanks for being so helpful!

Received timely assistance from your customer service department when I was looking for guidance with regard to buying car insurance. The agent had good communication skills, and explained all the important details about the policy such as the inclusions and exclusions of coverage.

Your customer service associate came to my aid when I was looking to switch my car insurer. He helped me in the best possible way to renew my policy with ICICI Lombard. Really appreciate the guidance I was provided with during the purchase.

I’d been on the hunt for a new car insurance company, and so decided to get in touch with your team. Your executive answered my queries regarding the renewal process. Her good technical knowledge of the policy prompted me to renew my car insurance with ICICI Lombard.

A big thumbs up to ICICI Lombard’s customer service! The insurance advisor I spoke with was very patient, and convinced me to buy the car insurance policy. Hope to receive a high standard of service from your other advisors too. Thanks.

Thanks to your salesperson, I was able to buy car insurance from ICICI Lombard without any complications. She was polite and respectful, and gave some valuable assistance to help me out with the purchase. I’m fully satisfied with the service provided.

Your agent spoke clearly and gave me a succinct outline of your car insurance plan. He simplified the policy buying process for me by walking me through each and every step. Looking forward to a good experience from ICICI Lombard in the future too.

I’ve renewed several of my insurance policies in the past, but my experience while renewing car insurance with ICICI Lombard was the best. Your agent explained clearly and understandably all policy-related details. I’ve decided to renew all my other insurance plans with you in the future.

Just bought a car insurance plan online from ICICI Lombard. The salesperson explained to me the policy provisions in a clear manner, especially the benefits such as coverage on replaced parts of the car. He helped me to choose a suitable plan for my insurance needs. I would like to thank him for his support.

Thanks to your customer support associate, I was able to get the best insured declared value (IDV) and maximum number of add-ons, including a free Carnot device which keeps track of my car’s health. He also explained the features of your car insurance plan in detail and later, helped me to complete the payment online.

Your salesperson walked me through the terms and conditions of your car insurance plan. She spelled out clearly the policy features like coverage against loss or damage to the car by natural and manmade calamities, and other facilities offered by ICICI Lombard. I would like to wish her all the best for the future.

Read all reviews

Product	Product Code	UIN no.
Private car package policy	3001	IRDAN115RP0017V01200102
Bundled - Private Car Policy	3001	IRDAN115RP0021V02202122
Stand-alone own damage private car insurance policy	3001/O	IRDAN115RP0001V02201920
Private car liability only policy	3001/A	IRDAN115RP0012V01200102

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Car Insurance Comparison

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Understand your vehicle registration number

About car insurance comparison

Benefits of car insurance

Protection against loss or damage

Additional cover

No Claim Bonus

Benefits of Comparing Car Insurance

Save Money

Better Coverage Options

Identify Discounts

Eliminate Extras

How to compare car insurance policies?

How to Choose a Car Insurance?

Factors Affecting Car Insurance Comparison

Vehicle Type

Deductibles

Coverage Offered

Location

What is covered under car insurance?

Types of car insurance

Things to Do Before Doing a Car Insurance Comparison

Understand Your Insurance Needs

Set a Budget

Gather Important Information

Understand Different Policy Types

Check for Add-ons

Car insurance blog articles

How to Find Car Parts by Chassis Number

Mahindra XUV500 NCAP Safety Rating Guide

Innova Crysta Safety Ratings: Global & Bharat NCAP

Frequently Asked Questions About Car Insurance Comparison

How to Compare Car Insurance?

Which Type of Vehicle Insurance is the Best?

How to Compare Car Insurance Rates Online?

How to Choose the Best Car Insurance Policy in India?

Reviews and ratings

4.6

Andleeb Mandai

Puneet Gupta

Arvind Chauhan

Asif Khan Chowdhury

Shahnawaz Mateen

Nilesh Date

Mithun Chakraborty

Sivakumar Kr

Manoj Kumar

Karthikeyan P

Lyton Roy

Sarguna Raja Marimuthu

Neeraj Kumar

Vijay Choudhary

Senthilnathan C

Prashant Deshmukh

Rajeev Palanki

Satish Chandra

Arindam Sau

P.K. Dhar

Vikram Singh Kaintura

Jigar Katoriya

Sridhar K.

Rahul Thathoo

Arun Saxena

Hemant Srivastava

Eshwar Pavan Manthena

Bala Showry Raju Pudota

Jayamurugan Natarajan

Nitin Baban Pabal

Narasimha Rao Gopisetty

Praveen Redddy

Radhakrishnan A.R.

Saurabh Prasad

Adarsh Kumar Singh

Suhel Singh

Palanisamy Aspa

Raja Rajeshwaran