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Escape expenses arising from natural and man-made calamities with superior coverage
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Motor Insurance – Two Wheeler

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Two Wheeler Insurance - Policy Details

Key Benefits

  • Policy copy of your two wheeler insurance will be issued immediately online
  • Give your motorbike cashless claim servicing at 2900+ network garages across India.
  • Co-passengers can avail optional personal accident cover
  • Avail no claim bonus on renewals if the same service was not utilized in the previous policy period*Know more
  • Set Renewal Reminder to receive policy renewal reminders
Know more about key benefits

Key Benefits
  • Transfer all No Claim Bonus (NCB) benefits when shifting your motor insurance policy to ICICI Lombard.*
  • Recognised Automobile Association members can get 5% discount**
  • 2.5% discount for ARAI approved anti theft device in your vehicle.***
  • Avail add-on covers for electrical and non-electrical items.
  • Call us on 1800 2666 to know in detail about two wheeler insurance policy

* NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the
expiry date of the previous policy. The NCB will be available, provided you show evidence that
you are entitled to NCB from your previous motor insurance company. Evidence can be in form
of a written declaration or a renewal notice or a letter confirming the NCB entitlement from the
previous insurer. Click here to view the wordings of the written declaration.
** Valid on Own Damage Premium and subject to a maximum of Rs 50.
*** Valid on Own Damage Premium for Automotive Research Association of India approved anti
theft devices and subject to a maximum of Rs 500.

Sum Insured and Coverage


What is covered
  • Loss or Damage to your vehicle against Natural Calamities
  • Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
Know more about what is covered

Coverage - What is covered
  • Loss or Damage to your vehicle against Natural Calamities
  • Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Loss or Damage to your vehicle against Man-made Calamities, Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air
  • Personal Accident Cover Coverage of Rs 1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting or dismounting from the two wheeler. Optional personal accident covers for co-passengers available.
  • Third Party Legal Liability Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.
For more details, kindly refer to the Policy Wordings


What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
Know more about what is not covered

Coverage - What is not covered
  • Normal wear and tear and general ageing of the vehicle.
  • Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement.
  • Vehicles being used otherwise than in accordance with limitations as to use.
  • Damage to/ by a person driving any vehicles without a valid license.
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
  • Loss/ damage due to war, mutiny or nuclear risk
For details, kindly refer to Policy Wordings.


Sum Insured
  • All vehicles are insured at a fixed value called the Insured's Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
Know more about sum insured

Sum Insured
  • All vehicles are insured at a fixed value called the Insured's Declared Value (IDV).
  • IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff.
  • If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer's listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.
For details, kindly refer to Policy Wordings.

Claim Process

FAQs

Two wheeler insurance policy in India

All India Garage List

Two Wheeler Insurance Product Code: Motor 05

Policy Wordings|pdfIconDownload Product Brochure|emailIconEmail Brochure
Review PersonCustomer Reviews
4.02  

3,344 Ratings | 3,344 Reviews
 
Aditya murarka
April 3, 2014
YAMAHA - FZ
Very quick team
 
Shubhangi.
April 3, 2014
HONDA MOTORCYCLE - ACTIVA
One of the most hasslefree insurance system.
 
Miss deepika kerketta
April 2, 2014
HONDA MOTORCYCLE - DIO.
It is nice to connect with icici.
 
Dinesh r khandelwal
April 2, 2014
HONDA MOTORCYCLE - ACTIVA
Good service !!!! good people ....
 
Anwar h lodghar
April 2, 2014
HONDA MOTORCYCLE - ACTIVA.
Service is good
 
 
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