Millions of car owners face the same question every year: Which insurance policy is the best? The market is filled with options, but two names currently dominate the conversation—ICICI Lombard and Go Digit. One is a Classic with a legacy of trust, and the other is a young, aggressive startup completely changing how we think about insurance.
If you are thinking of buying car insurance online, making a choice between these two can be a tough call. The "better" option honestly just comes down to what matters more to you: The price tag or traditional, full-service reliability.
The "Go Digit" Advantage
Go Digit car insurance has built its whole brand around making things simpler. They understood early on that people hate complicated forms and slow processes. Their website is simply fast, and their policy documents are written in English that a 9-year-old kid could understand.
If you're a young driver or you live in a big city, Digit is likely your first choice because its prices are fantastic. For example, if you drive a common vehicle like a Hyundai Creta, a standard full coverage plan from Digit could cost around ₹7,500 to ₹8,500. That kind of competitive rate makes it a seriously attractive option.
The "ICICI Lombard" Strength
ICICI Lombard works differently. They rely on their massive size and experience. You pay for their infrastructure. They have one of the largest networks of cashless garages in the country.
Using the same Hyundai Creta example, an ICICI policy might cost you ₹9,500 to ₹11,000. You are paying that extra ₹2,000 for the assurance that comes with a big brand. Their claim settlement ratio is consistently high, and they have a reputation for handling complex, high-value claims very well.
Ease of Managing Your Policy
When you buy a car insurance policy, you aren't just buying a paper; you are buying a service.
- Go Digit: Their entire ecosystem is on your phone. From buying car insurance online to making a claim, you rarely need to speak to a human. Their "video claim" feature allows you to shoot a video of your dented car and get money transferred to your account quickly for repairs.
- ICICI Lombard: They have modernized significantly with their own app, "IL Take Care," which is excellent. However, they still retain a traditional touch. If you prefer talking to a customer care executive or visiting their branch office to clear up a confusion, ICICI offers that physical availability that sometimes purely digital companies lack.
The Smart Way to Buy Go Digit Comprehensive Car Insurance
If you have decided that Go Digit is the right choice for your car, the next smart move is buying it through Demandeals. Here is why savvy car owners start their purchase journey with us:
- Get Flat 35% Cashback on New Policies: When you purchase a new Go Digit Comprehensive Car Insurance plan through Demandeals, you earn a strong 35% cashback (calculated before GST & taxes).
- Designed for New Buyers: Only fresh comprehensive policies qualify, giving first-time buyers a major savings advantage.
- Simple Click, Real Rewards: Just tap “Avail Offer,” stay on the same tab, and complete your purchase in one smooth session to ensure your cashback tracks correctly.
- Benefit from a Clean Purchase Path: Avoid switching devices or reopening the tab; completing the policy in one go guarantees clean tracking and confirmed cashback.
- Save More on a Seamless Insurance Experience: Go Digit’s easy, paperless process paired with Demandeals cashback makes your purchase both smarter and more rewarding.
Conclusion
In the end, both companies offer a full-proof car insurance policy that ticks all legal requirements. The difference lies in the experience. Go Digit offers speed and savings, while ICICI Lombard offers trust and reachability. We recommend you always compare both when you buy car insurance online, to see which one best suits your specific needs and budget.
