HDFC ERGO vs ICICI Lombard is one of the most important car insurance comparisons in India in 2025. With rising premiums, complex add-ons, and varying claim processes, choosing the right insurer can be overwhelming. This guide helps simplify your decision by comparing both top providers—so you can make an informed and confident choice.
Choosing car insurance isn’t just about price—it’s about peace of mind, ease of claims, and reliable service. In India, two of the biggest names in car insurance are HDFC ERGO and ICICI Lombard.
🆚 Quick Comparison: HDFC ERGO vs ICICI Lombard
| Feature | HDFC ERGO | ICICI Lombard |
|---|---|---|
| Claim Settlement Ratio | ~91.23% | ~93.23% |
| Cashless Garages | 8200+ | 9700+ |
| Mobile App | HDFC ERGO App | IL Take Care App |
| Zero Depreciation Add-on | ✅ Yes | ✅ Yes |
| Roadside Assistance | ✅ Available | ✅ Available |
| Premium (Indicative) | ₹7,000–₹9,000/year | ₹7,200–₹9,500/year |
🔗 Internal Link: How to File a Car Insurance Claim in India →
🔗 External Link: Compare Live Quotes on Policybazaar
📦 Types of Plans They Offer
HDFC ERGO
- ✔️ Third-Party Insurance (mandatory)
- ✔️ Comprehensive Policy
- ✔️ Own-Damage Cover
- ➕ Add-ons like:
- Zero Depreciation
- Engine & Gearbox Protect
- Return to Invoice
ICICI Lombard
- ✔️ Third-Party & Comprehensive Plans
- ✔️ Standalone Own-Damage Plan
- ➕ Add-ons like:
- Garage Cash
- Engine Protect
- Consumables Cover
🧠 Unique Features: What Sets Them Apart?
💡 HDFC ERGO
- AI-based video claim inspection
- Instant claim approval for minor damages
- Overnight repair facility in select cities
💡 ICICI Lombard
- 10-minute AI claim approvals
- In-app doctor consultations (via IL Take Care App)
- Pick-up/drop service at some garages
💸 Sample Premium Comparison (2025)
Vehicle Example: Maruti Swift 2022 (Petrol) – Delhi
| Plan Type | HDFC ERGO | ICICI Lombard |
|---|---|---|
| Third-Party Only | ₹2,094 | ₹2,106 |
| Comprehensive | ₹7,632 | ₹8,020 |
| Zero Depreciation | ₹8,980 | ₹9,320 |
💡 Prices may vary by model, city, and add-ons.
Use trusted platforms like Turtlemint or Coverfox for real-time quotes.
📞 Claim Process: Side-by-Side
HDFC ERGO
- File online or via app
- AI-based inspection (optional)
- Instant or fast approval
- Cashless repairs at partner garages
ICICI Lombard
- File through app or call center
- AI-powered 10-min approval (select cases)
- Free pick-up/drop repair (in some cities)
- 24×7 claim assistance
🙋♂️ Frequently Asked Questions (FAQs)
Q1: Which company has better claim support?
A: ICICI Lombard offers slightly quicker digital claim settlement, but both are efficient.
Q2: Can I transfer my No Claim Bonus (NCB) if I switch?
A: Yes, NCB is transferable between insurers.
Q3: Which insurer has more add-on options?
A: Both are competitive, but ICICI Lombard includes garage cash and consumables add-ons.
Q4: Is their customer support responsive?
A: Yes. Both insurers have 24×7 customer care, app support, and branch networks.
Q5: Can I renew or buy policies online?
A: Absolutely. Visit their official sites:
🔍 Final Verdict: Which One Should You Pick?
- 💰 Go with HDFC ERGO if you want budget-friendly premiums, overnight repair, and strong mobile app tools.
- ⚙️ Choose ICICI Lombard if you prioritize faster claims, a larger garage network, and healthcare tie-ins via their app.
✅ Tip: Always compare quotes online before buying. Even a ₹300 difference could get you better add-ons or services.
✅ Summary Table
| Criteria | Best Option |
|---|---|
| Claim Speed | ICICI Lombard |
| Add-on Options | ICICI Lombard |
| Affordable Premiums | HDFC ERGO |
| Mobile App Experience | Tie |
| Cashless Garage Network | ICICI Lombard |
| Innovation & Services | HDFC ERGO |
Last Updated on July 31, 2025 by Singh sumit
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