I do not know about others, but my experience with icici lombard was quite okay...I was traveling last minute and had to buy travel insurance urgently... the travel agent had already closed his office. I bought the travel insurance online through the ICICI Lombard website. The website is simple and straight and is portrayed very much on an e-commerce platform. The process is breezy and I paid easily through my credit card. It took hardly around 8-10 mins, which was good considering I was buying online for the first time. I got the policy immediately and could take a print out of the policy and can also access it online. Was a huge convenience since I was traveling the same night. And there’s that pay only for those days you travel option which was a welcome feature as I was going only for a short trip. Also, the chat option is useful when you’re stuck somewhere. Overall, I would say the whole process was quick and easy.