ICICI Lombard - Two-wheeler Insurance policy starting at Rs. 538*
Product highlights
Key features and benefits of the policy
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ICICI Lombard Two-wheeler Insurance
Safeguard your two-wheeler with ICICI Lombard Bike Insurance. Explore its benefits!
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Comprehensive coverage
ICICI Lombard bike insurance policy covers damages to your own bike due to accidents, theft, fire, natural disasters, and other specified events.
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Third-party liability coverage
This policy covers the expenses of physical injuries caused to the third party. It also covers damages or losses caused to their property or vehicle.
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Personal accident cover
ICICI Lombard bike insurance provides up to Rs. 15 lakh to the owner-rider for treatment in case of an accident. It covers accidental injuries, disability, or death. (Check Personal Accident Cover)
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100% digital claim inspection and settlement
ICICI Lombard two-wheeler insurance offers policies through a 100% digital claim inspection and settlement process.
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Cashless claim settlement across 6,100 garages
Get your two-wheeler repaired at any of the 6,100 network garages across India without paying any cash.
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No Claim Bonus
Get up to 50% No Claim Bonus for having claim-free policy years.
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Zero depreciation
Ensure a higher claim amount by offsetting any applicable depreciation as your bike ages.
Eligibility criteria and documents required
Anyone who fulfils the below criteria can buy the ICICI Lombard Two-wheeler Insurance policy. Also, keep the below-mentioned basic information handy to buy the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle insured should have a valid registration number and certificate
Documents required
No documents required to buy ICICI Lombard bike insurance. Only provide the basic information while buying the policy:
- Two-wheeler registration number
- Mobile number
- Residential PIN code
- Previous policy details
A step-by-step guide to buying this policy
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How to apply for ICICI Lombard Two-wheeler Insurance
Watch the video to know to how to apply online in just a few steps.
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Step 1
Click on 'Get Quote’ button on this page to visit the online application form.
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Step 2
Enter the vehicle type, bike registration number, mobile number, and residential PIN code. Check the terms and conditions of ICICI Lombard bike insurance and click on the ‘Get Quote’ button below.
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Step 3
Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant bike insurance policies. You need to update your current policy expiry date here.
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Step 4
Choose ICICI Lombard Two-wheeler Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
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Step 5
Confirm the vehicle registration date and the previous policy type (comprehensive/third-party bike insurance). Click on ‘Proceed’.
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Step 6
Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
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Step 7
Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
After successful payment, you can download the policy document instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.
Key policy inclusions and exclusions
Here is a quick look at the key inclusions and exclusions of ICICI Lombard Two-wheeler Insurance policy.
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Third-party liabilities | Covers damages caused to a third person’s body, property, or vehicle. |
| Accidental damage | Covers damages caused due to accidents. |
| Fire damage | Covers damages caused to the two-wheeler due to fire explosion, self-ignition, or lightning. |
| Theft | You get coverage if the two-wheeler gets stolen. |
| Natural and man-made calamities | Covers damages caused to the car due to both natural and man-made calamities. |
| Personal accident coverage | Coverage for up to Rs. 15 lakh for the owner-rider in case of accidental injuries, disabilities, or unfortunate death. |
| Key exclusions | Description |
|---|---|
| Alcohol or drug usage | This two-wheeler insurance policy does not cover damages while riding under the influence of alcohol or drugs. |
| Normal wear and tear | Does not cover repair or replacement costs of two-wheeler parts that get damaged over time due to regular usage. |
| Riding without a valid licence | Does not cover any damages caused while riding without a valid driving licence. |
| Mechanical or electrical breakdown | Does not cover any mechanical or electrical breakdown of the two-wheeler. |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with ICICI Lombard Two-wheeler Insurance.
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Step 1 - Register your claim
1. Login to the official website of ICICI Lombard
2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor insurance policy, and tap on report claims.
3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
4. Register claims through WhatsApp on 7738282666.
5. SMS "CLAIM" to 575758 or write the customer care team of ICICI Lombard. -
Step 2 - Complete video survey
1. Login to IL Take Care app and add your policy.
2. Click on File a Claim using InstaSpect.
3. Add claim info, such as location, time and date of loss, and a short description of the damage.
4. The app will initiate a live survey.
5. Show the vehicle from different angles. Photos will be captured and synced. -
Step 3 – Provide supporting documents to process your claims
Upload the necessary documents, along with the e-claim form for repair approval.
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Step 4 - Damage assessment and repair cost estimation
ICICI Lombard will assess the damage to your two-wheeler and determine the amount covered under the policy. Provide additional information or documents if needed.
How to raise a reimbursement claim
To reimburse your two-wheeler repairing bills with ICICI Lombard Two-wheeler Insurance, follow these steps.
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Step 1 - Register your claim
1. Login to the official website of ICICI Lombard
2. You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
3. You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
4. Register claims through WhatsApp on 7738282666.
5. SMS "CLAIM" to 575758 or write the customer care team of ICICI Lombard. -
Step 2 - Repair your two-wheeler at any of your preferred garages
Get your two-wheeler repaired at your preferred garage, pay the bills, and keep the invoices.
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Step 3 – Submit the required documents
Upload the reimbursement claim form, the invoices, and the other necessary documents.
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Step 4 - Claim settlement
ICICI Lombard will review and compensate your approved claim amount as per the policy terms.
In case of a total loss such as theft, you can raise a claim and the IDV of your vehicle will be paid to you.
Documents required for raising a claim request
Here is the list of documents that you need to raise a claim request with ICICI Lombard Two-wheeler Insurance.
- Copy of the two-wheeler’s registration certificate (RC)
- Copy of your driving licence
- ICICI Lombard bike insurance policy copy
- Duly filled and signed claim form
- FIR in case of theft, injuries to any third party or damage to their property
- Original bills of car repairs (in case of reimbursement claim)
Frequently asked questions
Step 1 – Register your claim
- Log in to the official website of the ICICI Lombard General Insurance
- You can also raise a claim through the IL Take Care app. Tap on claims in the homepage, select motor policy, and tap on report claims.
- You can also call on 1800 2666 and follow simple IVR instructions to get your claim registered.
- Register claims through WhatsApp on 7738282666.
- SMS "CLAIM" to 575758 write to the customer care team of ICICI Lombard.
Step 2 – Complete video survey
- Login to IL Take Care app and add your policy.
- Click on File a Claim using InstaSpect.
- Add claim info, such as location, time and date of loss, and a short description of the damage.
- The app will initiate a live survey.
- Show the vehicle from different angles. Photos will be captured and synced.
Step 3 – Provide supporting documents to process your claims
Upload the necessary documents, along with the e-claim form for repair approval.
- Click on 'Get Quote’ button on this page to visit the ICICI Lombard bike insurance online application form.
- Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
- Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant two-wheeler insurance policies. You need to update your current policy expiry date here.
- Choose ICICI Lombard two-wheeler Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
- Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
- Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
- Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
To register a bike insurance claim, you need to contact your insurance provider and provide them with details about the accident or damages. They will ask for your policy number, contact information, and the details of the accident such as the date, time, and location.
Yes, the ICICI Lombard bike insurance policy covers partial theft. It provides coverage for loss or damages due to theft, burglary, or housebreaking, including partial theft, as long as it is not due to the owner's negligence.
The number of claims allowed under a bike insurance policy depends on the policy terms and conditions. Some policies may have a limit on the number of claims made per year, while others may not. It is crucial to read and understand the policy terms and conditions to know the claim limits. Exceeding the number of claims allowed in a year may result in the policy being canceled or premium hikes.
