A Two-wheeler insurance policy from ICICI Lombard safeguards your ride against various losses/damages due to accidents, natural disasters and instances of theft. It not only secures your bike or scooter at an affordable cost but also takes care of third-party liabilities. 

  • Pocket-friendly Plans.
  • Cashless Claims. 
  • Multiple Add-ons.
  • No-claim Bonus (NCB).
  • Insurance App-driven Instant Claim Approval.
  • Valuable Discounts.
  • Online Purchase & Easy Renewal. 
  • 24x7 Customer Support. 

ICICI Two-wheeler insurance from ICICI Lombard General Insurance Ltd. serves millions across India through its 4,000+ network garages, quick claim-settlement and other practical offerings.

ICICI Lombard Bike Insurance Features & Advantages

  • Third-party liability, Package and Stand-alone own-damage policies.
  • Takes care of financial losses due to stolen two-wheelers and during transit.
  • Addresses physical hurt to individuals and liabilities to third parties when their property gets damaged due to your bike/scooter/auto-cycle accidents.
  • Inbuilt mandatory personal accident cover of 15 lakh rupees.
  • Compensates losses occurring because of natural calamities such as storms, cyclones, typhoons, earthquakes, hailstorms, inundation or lighting and human-made incidents like riots or terrorist attacks.
  • A gamut of add-ons.
  • No-claim bonus and NCB transfer of up to 50%.
  • 24X7 claim assistance.
  • Digital inspection through Insure App using Instaspect.

ICICI Two-wheeler Insurance Policies & Variants

  • Two-wheeler Liability Policy: Legally-mandatory as per the Motor Vehicles Act.
  • Also called party-liability-only low-premium insurance.
  • Protects you against damages, bodily harms, injuries or death of third parties because of accidents involving your bike or scooter.
  • Includes others driving the two-wheeler with policyholder's consent and a personal accident cover for driver/owner directly connected with the bike or scooter. 
  • Two-wheeler Package Policy: Takes care of all the legal liabilities arising out of bodily injuries to and/or property damages of third parties due to accidents involving your ride.
  • Covers accidental losses/damages to your bike or scooter caused by fire/explosion, self-ignition/lightning, burglaries, thefts, riots, strikes, earthquakes (fire/shock damages), floods, storms, hurricanes, typhoons, tempest, inundation, hailstorms, frost, cyclones, malicious/terrorist activities, whilst in transit by road/rail, inland waterways, lifts/elevators/air, landslides and rockslides.
  • Carries a personal accident cover and add-on-choices.
  • Stand-alone Own-damage Two-wheeler Insurance: Addresses the damages to your two-wheeler caused by natural disasters such as earthquakes, floods, cyclones, landslides or man-made ones like theft, burglaries, riots and strikes.

ICICI Bike Insurance Add-Ons

  • Zero-Depreciation: Depreciation does not get calculated while claim settlement and the entire due claim amount is compensated.

ICICI Lombard Two-wheeler Policy Major Exclusions

  • Wear/tear and ageing of the two-wheeler.
  • Wear/tear of consumables like tyres/tubes unless the bike/scooter is damaged in an accident, in which case 50% of replacement costs are covered.
  • Depreciation/consequential losses.
  • Mechanical/electrical breakdowns.
  • Two-wheeler being used otherwise than in accordance with stated limitations.
  • Driven under the influence of drugs/liquor.
  • Damages/losses due to wars, mutinies or nuclear risks.

ICICI 2-Wheeler Policy Discounts

  • Voluntary Discounts: Applicable if you choose to pay the minimum amount at the time of claim settlement.
  • No-claim Discounts: If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years. 

ICICI Lombard 2-Wheeler Insurance Premium

The premium for your ICICI Lombard 2-wheeler insurance online policy is based on factors such as the make/model, city, registration date, add-ons and the use of electrical or non-electrical accessories.

One can compare all the policies and plans by visiting ICICI Lombard's official website. Alternatively, you may use established online insurance comparison portals like Quickinsure.co.in to explore ICICItwo-wheeler insurance prices, simplify and speed up the process of buying bike or scooter insurance.

ICICI Lombard Two-wheeler Insurance Renewal & Application

One can apply for a new ICICI two-wheeler policy or preferICICI Lombard bike insurance renewal by viewing and comparing quotes online through premier insurance comparison platforms such as Quickinsure.co.in.

ICICI Lombard Two-wheeler Insurance Policies FAQs

Q: How do you define a long-term two-wheeler insurance policy?

An insurance that can be opted for the long term, three years, saves you from third-party policy rate revisions and the need to renew every year.

Q: How many days before the existing policy expiry date can I renew my two-wheeler insurance online with ICICI Lombard?

Starting 60 days.

Q: Can I benefit from the No-claim bonus with ICICI Lombard's third-party two-wheeler liability-only policy?

No, the NCB is only available with the package policy and stand-alone own-damage insurance.

Q: Is the inspection of my bike or scooter before repair initiation mandatory?

Yes, it is required for both cashless and non-cashless/reimbursement settlements.

Q: What is ICICI Lombard two-wheeler insurance's claim registration process?

You may call toll-free at 1800 2666, register your claim, and know the claim/reference number. Or choose to intimate ICICI Lombard using the Insure App.

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details.

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