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Bike Insurance

Up to 93% off on two-wheeler policies^I

Up to93% OFFon two-wheeler policiesI

AI-backed claims for
quick processing
Personal
Accident cover^F

Recent quote

HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

Premium

₹6,353 + GST

Continue

Why do our customers love us?

ICICI Lombard is synonymous with trust and reliability. Our bike insurance is a top choice among customers for several reasons. Here’s what our customers appreciate most:

6600+ cashless garages^B

for prompt service

Instant claim approval

via the IL Take Care app

24x7 customer support

for all your queries

What is bike insurance?

For many, a two-wheeler is not just a mode of transport it’s a way of life. Whether you ride for convenience or passion, having a solid online insurance plan can ensure that your bike is protected from accidents, theft, and unforeseen damages. ICICI Lombard’s online two-wheeler insurance policies offer comprehensive coverage, including third-party liability protection and personal accident benefits. With instant policy issuance, seamless online renewals, and access to a network of cashless garages, safeguarding your ride has never been easier. Don’t let unexpected events put a dent in your plans ride smart, stay covered, and enjoy the road ahead with confidence.

Why choose ICICI Lombard Bike Insurance?

Choosing ICICI Lombard bike insurance offers the following benefits:

Instant policy issuance

Our bike insurance provides instant online policy issuance, ensuring you get coverage without delays.

24X7 roadside assistance

Our bike insurance offers 24x7 roadside assistance, ensuring help is available whenever and wherever your bike breaks down.

Digital claims inspection

We offer a seamless digital claims inspection process, allowing you to easily submit claims online hassle-free.

What are the different types of bike insurance policies?

Comprehensive bike insurance

Comprehensive bike insurance is a type of two-wheeler insurance plan that offers holistic protection for your bike. It covers third-party liabilities and own damages. This policy offers financial protection in the event your bike gets damaged due to accidents, theft, fire, natural disasters, or vandalism. Comprehensive bike insurance offers 360-degree protection, thus offering peace of mind on the road.

Who is it suitable for?

A comprehensive bike insurance policy is for anyone who owns a bike. Whether you are a new bike owner or have an old bike, you can buy this insurance policy.

What does it cover?

It covers third-party liabilities, own damage and the damage your bike suffers from accidents, theft, vandalism, etc.

Standalone own damage bike insurance

A standalone own-damage bike insurance policy covers damage to your bike due to theft, accident, fire, natural disasters, or man-made calamities. Unlike third-party insurance, which only protects against damage to others, this policy focuses on your bike's repair or replacement costs.

Who is it suitable for?

This policy is suitable for anybody who owns a bike and has an active third-party insurance policy.

What does it cover?

This bike insurance policy covers damages to your bike caused by accidents, theft, fire, and other natural calamities.

Third-party bike insurance

Third-party bike insurance offers protection if your bike is involved in damages caused to a third party. It helps cover legal liabilities arising due to such damages.

Who is it suitable for?

This insurance policy is mandatory for anyone who owns a bike. It’s the legal requirement for riding on Indian roads.

What does it cover?

This insurance plan covers damages or injuries caused to a third party by your bike.

What is Covered by ICICI Lombard Two-wheeler Insurance Policy?

ICICI Lombard’s two-wheeler insurance policy covers:

Loss or damage to your two wheeler due to natural disasters
Our two-wheeler insurance policy covers losses or damages suffered by your bike due to lightning, earthquakes, typhoons, frost, landslides, etc.
Personal accident cover
We offer a personal accident cover of Rs 15 lakh for the two-wheeler owner. You can also buy this cover for your co-passenger with an additional premium.

Third-party legal liability
Our two-wheeler insurance policy offers protection against third-party legal liability for accidents and damages caused by your bike to a third party.

This is an indicative list of inclusions and exclusions. For the full list, please refer to the policy wordings.

Policy documents: Downloads

Key features of two-wheeler insurance policy

Liability coverage

Offers financial protection against damages or injuries caused to third parties in an accident where you and your bike are at fault.

Own damage
coverage

It provides you with a financial cushion in the event your bike suffers damages from accidents, fire, theft, natural disasters, etc.

Personal accident
cover

Offers financial support in case you, the rider, suffer accidental injury while riding your bike. Also, it provides a payout in case of accidental death.

Add-on covers^G

Add-on covers, which require an additional premium, help fortify the base policy's coverage. Common add-on covers include engine protection, zero depreciation, roadside assistance, etc.

No claim bonus

Rewards you with either a discount in premiums or increased coverage for every claim-free year.

Cashless network
garages

These are authorised repair centres where you can repair your damaged bike without paying upfront.

Reasons to buy bike insurance online

Multiple reasons make buying bike insurance online a compelling proposition. These include:

1
Convenience
Compare different plans and purchase insurance at your comfort
2
24X7 availability
Buy anytime, any day from anywhere
3
Quick process
Usually faster than traditional methods, where you can complete the process in just a few clicks
4
User-friendly tools
Get calculators and tools to understand the coverage needed and the costs
5
Instant policy issuance
Get policy documents immediately upon premium payment

how to choose two wheeler insurance policy?

How to choose the right two wheeler insurance policy?

Choosing the right bike insurance policy is a culmination of several factors. Keeping in mind the following factors can help you choose the right policy:

Assess your needs: Find out what coverage you need. Consider if you want protection for third-party liabilities, own damage, or both.
Compare plans: Look at different policies from multiple insurers. Compare coverage, premiums, and benefits.
Check coverage: Make sure your policy has a robust coverage against various risks.
Read the fine print: Understand the policy's terms, conditions, and exclusions, if any. Look out for any limits or deductibles.
Check the claims process: Make sure the claim process is straightforward and easy.

How to Effectively Compare Bike Insurance Premium?

Comparing bike insurance premiums is essential to finding the optimum coverage for your needs at the most affordable price.

1

Premium break-up

It provides a detailed view of how your bike insurance premium is divided among various components, such as coverage, taxes, and add-ons.
2

Own damage premium

Find the break up of your own damage premium covering your bike. The own damage premium is the cost you pay to cover the repair or replacement of your bike if damaged due to accidents, vandalism or natural disasters.

3

Third-party premium

Third-party premium is the cost you pay towards your policy for availing third-party legal liability coverage.
4

Personal accident premium

It’s the premium you pay to obtain personal accident coverage, which provides you with a financial cushion in case you suffer an injury while riding your bike.
5

Add-on premium

Find out the premium breakup for your chosen add-ons in the policy. Add-ons offer an extra layer of protection on top of your base policy.

Importance of buying two wheeler insurance

Why is bike insurance necessary?

Bike insurance is necessary for several reasons. The Motor Vehicles Act in India makes it mandatory for every bike owner to have at least a third-party insurance policy. The penalty for not having bike insurance is Rs 2000 or imprisonment for up to three years.

Also, having a bike insurance plan helps you cover the costs incurred on repairing or replacing your bike due to various risks, natural or man-made. It gives you peace of mind as you know you are financially and legally protected.

How to buy two-wheeler insurance online?

Purchasing two-wheeler insurance online is a relatively easy process. All you need to do is:

1
Enter here all the necessary details like your mobile no, email ID, bike registration number, registration year etc.
2
Choose the plan that best fits your requirement
3
Customise the plan by editing your coverage, selecting add-ons, deductibles, etc
4
Pay premium through net banking, debit/credit cards, UPI, etc
5
You get the policy soft copy over email

What is NCB in bike insurance?

NCB is the acronym for No Claim Bonus. It is a reward your insurer offers you for not making any claims during the policy period. Each claim-free year allows you to earn a discount on the premium for the next policy renewal. This helps bring down your bike insurance’s cost.

What is IDV in bike
insurance?

IDV, or insured declared value in bike insurance, is the maximum amount your insurer will pay if your bike is stolen or completely damaged beyond repair. It is your bike's current market value, excluding depreciation. In simple terms, it's the amount you will get if your bike is lost or destroyed.

What impacts the insured’s
declared value (IDV)?

Several factors impact the bike’s IDV, including:

Bike’s age: As your bike gets older, its value depreciates. The older the bike, the lower its IDV.
Bike’s make and model: Premium bikes or models with higher market demand typically have a higher IDV than regular bikes.
Depreciation: Your bike's value depreciates yearly based on a standard depreciation rate. The older the bike, the higher the depreciation, which lowers the IDV.

What is zero depreciation
in bike insurance?

You might know that at the time of settling your claim for damages to your two wheeler, the insurance company deducts the depreciation value on your bike or scooter’s parts. The zero depreciation add-on offsets such depreciation at the time of a claim. This add-on is available at nominal extra premium.

How to calculate two-wheeler insurance premium online?

Thanks to online calculators, you can easily calculate premiums online. To calculate premiums online:

1
Enter here all the necessary details like your mobile no, email ID, bike registration number, registration year etc.
2
Choose the insurance you want to buy
3
Submit all data, and you will know premiums instantly

Factors affecting
two-wheeler insurance
premium

A host of factors affect two-wheeler insurance premiums, including:

Bike’s age and model - New bikes and high-end models have higher premiums
Engine capacity - Bikes with high engine capacity command higher premiums
Coverage type - Comprehensive insurance costs more than third-party insurance
Add-ons chosen - More the number of add-ons, the higher the premium
Security features - Higher security features lower the premium
Location - Areas with higher traffic can lead to increased premiums
Claim history - Frequent claims can lead to higher premiums

How to claim two-wheeler insurance online?

Claiming two-wheeler insurance online is a breeze. All you need to do is:

1
Call 1800 2666 to inform us about your claim. Alternatively, you can log in to the IL TakeCare app and make a claim
2
Provide live video streaming of your damaged bike through InstaSpect in the IL TakeCare app
3
Post inspection and provided that the documents are in order, our claims manager will provide an immediate repair approval
4
Take your bike to the network garage that's closest to your home along with the said documents
5
Relax as we settle your claim with the garage, post which you can pick up your bike

How to renew a two-wheeler insurance policy?

You can quickly renew your two-wheeler insurance policy online in a few clicks. All you need to do is:

1
Visit the website of your insurer and check the bike renewal page
2
Fill up the required details, including your vehicle number, existing policy details, etc
3
Make the required payment online to renew your policy

How to renew an expired two-wheeler insurance policy?

Failing to renew a two-wheeler insurance policy within the due date results in its expiry. You can renew your lapsed / expired two-wheeler insurance policy online. To do so:

Visit the insurer’s website and provide your expired policy and vehicle registration details for renewal
Opt for the desired coverage type and pay the premium
Your policy gets renewed upon premium payment

However, note that your insurer may inspect your bike before policy renewal due to a break in coverage.

Bike insurance price for different two-wheelers

Bike insurance plans don’t have a fixed price. They depend on various factors, including coverage amount and the engine’s cubic capacity. Also, in the case of comprehensive coverage, several other factors, like the bike’s make and model, claims history, location, etc., play a vital role.

Therefore, it’s difficult to predict the exact cost of a comprehensive policy. That said, the cost of a third-party insurance plan is uniform and depends on the bike’s cubic capacity. The table shows the price of third-party bike insurance plans for FY 22-23 for different bikes.

Bike’s cubic capacity	Third-party insurance policy price
Less than 75 CC	₹538
75 to 150 CC	₹714
150 - 350 CC	₹1,366
Greater than 350 CC	₹2,804

Compare ICICI Lombard two-wheeler insurance policies

The table helps you compare various bike insurance policies offered by ICICI Lombard on various features, which will help you make an informed choice:

Features	Two-wheeler vehicle package policy	Standalone own damage two-wheeler insurance	Third-party two-wheeler vehicle liability online policy
Own vehicle damage
Theft
NCB: Up to 50% bonus for not making a claim in the previous year
Add-ons^G
Damage to surrounding property
₹15 lakhs personal accident coverage for registered owner
Claim settlement at network garages
Digital inspection on IL Take Care app using InstaSpect

Two wheeler insurance blog articles

How to Find Bike Insurance Policy Number

Use multiple methods like policy documents, email, and website access to find your bike insurance policy number quickly and easily.

14 May 2025

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Selecting the right engine oil for your motorcycle is essential for its longevity and performance. Consider viscosity, oil type, and manufacturer recommendations to make the right choice.

12 May 2025

BMW F 900 XR: Price, Specfications & Features

Highlights the design, specifications, and tech features of BMW F 900 XR that blends touring performance, rider safety, and modern connectivity.

12 May 2025

In case I change my job and location, what happens to my two-wheeler insurance policy?

Once the break-in inspection request is raised online, how long does it take to get the policy?

Once you raise a request, the inspection will happen within 48 hours. Once the inspection is complete, you will receive your policy immediately.

What are the documents required to buy a bike insurance online?

You don’t need to provide any documents while getting the insurance for the first time. You only need to share your details along with the details of your vehicle. Typically, renewals also do not require you to submit any documents. All you need to do is provide us with the right details about your bike and the existing policy. Be sure to provide the correct and relevant details while buying the policy online.

Can I take insurance policies from 2 different companies for the same vehicle at the same time?

No, you cannot do so.

What if I do not have a motor insurance policy?

You must get a motor insurance policy for your own benefit. It’s not just the repair costs that you’ll have to bear in case of any damages, you may also have to pay a fine of Rs. 2000 if you are caught driving without a valid motor vehicle insurance by the police.

It is easy to buy motor insurance online if you have your vehicle registration number. You can buy ICICI Lombard motor insurance either from our website or IL Insure app through the following steps:

Enter the vehicle registration number and your contact details
Review instant quote received for your motor insurance policy based on your vehicle type
Pay the premium if you’re happy with quote
View and download policy instantly online

When you buy vehicle insurance online, remember to look for add-on features that suit your need.

How is motor insurance premium calculated?

Motor insurance premium for a vehicle is calculated on the basis of multiple factors, including the Insured Declared Value (IDV) of the vehicle, make and model of the vehicle, seating capacity, cubic capacity etc. The premium amount also depends on a few other factors such as the type of policy chosen, deductibles, and add-on covers. Third-party premiums are decided by the IRDAI.

How is the Insured Declared Value (IDV) of my vehicle decided and how does it impact my coverage?

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the start of the insurance or renewal. The IDV would subsequently change according to the depreciation grid below for each one year block within the policy period for the insured vehicle. All ages of vehicles, provided they have a valid fitness certificate as required by law, will be covered by the aforementioned product.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

AGE OF VEHICLE	% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

The IDV arrived as per the above method may also be adjusted basis various factors such as location, usage, road type/ terrain etc, with agreement of the insured and as captured in the policy schedule.

The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.

IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined on the basis of an agreement between the insurer and the insured.

IDV shall be treated as the Market Value throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.

The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle in the event of total loss/ constructive total loss/cash loss for the year in which loss has occurred. In order to ascertain the Total IDV as on date of loss, Tenure-wise chart is accompanied in the policy schedule.

Insured Declared Value of Car = Manufacturer's listed selling price - Depreciation Value
For instance, if your car is less than 6 months of age and its current market value is Rs. 10,00,000 then at 5% rate of depreciation, the IDV would be around 9.5 lakhs. However, if the car is above 1-2 years, then at 20% rate, the IDV would be 8.0 lakh.

* The above provisions of Insured declared value are in line with the erstwhile India Motor Tariff

What are the turnaround times (TAT) for my insurance services?

Sr No	DESCRIPTION OF SERVICE	Servicing TURN AROUND TIME
1	TAT acceptance of proposal	07 days from the date of receipt of the proposal form
2	TAT for issuing of policies	15 days of the acceptance of a proposal
3	TAT for passing an endorsement	07 days from the date of receipt of request
4	TAT for policy servicing	07 days from the date of receipt of request
5	TAT for appointment of surveyor	24 hours of claim intimation
6	TAT for receipt of survey report	15 days from appointment
7	TAT for claim approvals	7 days from survey report / Assessment Sheet
8	TAT for settlement of claims	7 days from survey report

What are the base products available, and how can I access their relevant policy documents?

Sr No	Product Name List	UIN	Product Type	LOB	Motor OD Tenure in years	Motor TP Tenure in years	Other Tenure	Link to Policy Wordings/ CIS
1	Private Car Package Policy	IRDAN115RP0017V01200102	Package	Motor	1	1	-	Policy wordings Other products
2	Two Wheeler Vehicle Package Policy	IRDAN115RP0015V05201415	Package	Motor	1 or 2 or 3	1	-	Policy wordings Other products
3	Goods Carrying Vehicle Package Policy	IRDAN115RP0013V01200203	Package	Motor	1	1	-	Policy wordings Other products
4	Passenger Carrying Vehicle Package Policy	IRDAN115RP0014V01200203	Package	Motor	1	1	-	Policy wordings Other products
5	Miscellaneous Vehicle Package Policy	IRDAN115RP0015V01200203	Package	Motor	1	1	-	Policy wordings Other products
6	Motor Trade Road Risk Package Policy	IRDAN115RP0002V01200203	Package	Motor	1	1	-	Policy wordings Other products
7	Motor Trade Road Transit Risk Package Policy	IRDAN115RP0008V01202223	Package	Motor	1	1	-	Policy wordings Other products
8	Trailer Package Policy	IRDAN115RP0006V01202223	Package	Motor	1	1	-	Policy wordings Other products
9	Motor Trade Internal Risk Package Policy	IRDAN115RP0001V01200203	Package	Motor	1	1		Policy wordings Other products
10	Compulsory Personal Accident (Owner-Driver) Under Motor Insurance Policies	IRDAN115RP0034V01201819	SPCA	Motor	NA	NA	Motor CPA - 1 Year	Policy wordings Other products
11	Smart Drive Motor Warranty Insurance	IRDAN115RP0020V01202122	EW	MISC	NA	NA	Motor EW Annual or Multiple years	Policy wordings Other products

What criteria is considered to classify my Insured vehicle as a Total Loss, Constructive Total Loss, or Cash Loss?

The insured vehicle will be treated as a Total Loss / Constructive Total Loss / Cash-loss if the aggregate cost of retrieval and/or repair of the vehicle, subject to the policy's terms and conditions, exceeds 75% of the IDV of the vehicle.
As further guided by the Master Circular on General Insurance business, If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a ‘total loss’ or ‘write-off’, the Insurer shall grant the Policyholder the option to retain the wreck and accept a ‘cash loss’ settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by the Insurer including any submitted by or through the Policyholder).
The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck in the event of total loss / constructive total loss/cash loss for the year in which loss has occurred. In order to ascertain the Total IDV as on date of loss, Tenure-wise chart of IDV would be accompanied in the policy schedule.
In case of Total Theft of the vehicle, the liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle (including accessories thereon). However the company shall not be liable for Loss of or damage to accessories due to burglary, housebreaking, or theft unless the vehicle is stolen simultaneously.
* The above provisions for determining Total loss/Constructive total loss /Cash loss are in line with the erstwhile India Motor Tariff and as guided by the Master circular on General insurance products.

Reviews and ratings

4.6
Our customers have rated us
Based on 439 reviews

My interaction with the ICICI Lombard team was nothing short of excellent. They guided me perfectly through the complexities of the process of buying two wheeler insurance and responded to all my queries like experts. I am happy with the way it went.

Very good service provided by your agent. I am satisfied with the way he responded to my queries and provided suggestions regarding the bike insurance policy. He really simplified the whole process for me. Thanks.

I received clear and transparent information about the product from your customer service associate. She emphasised the importance of inclusions like third party liability and personal accident cover while making sure I didn’t have any doubts in my head. She was a great support throughout. I’d like to give her 10 out of 10 for the service.

The representative at ICICI Lombard was very helpful, patient, and clear while explaining the two wheeler policy to us. We had a few queries that needed solving before we could make a decision. Not only did he clarify our doubts but he also made sure we understood the product perfectly. Thanks!

Nice guidance and assistance offered on behalf of your salesperson. He shared his knowledge of the product with me and helped me understand its various features and benefits, such as towing assistance and cashless garages. I am grateful for the support.

Very good experience with ICICI Lombard. The agent was a thorough professional and did everything he could to make the transaction a smooth one. Thanks for making me feel at ease.

Read all reviews

Product	Product Code	UIN no.
Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 years)	3005	IRDAN115RP0015V05201415
Standalone third party long term two wheeler insurance policy	3005/A	IRDAN115RP0016V01201415
Two wheeler vehicle liability policy	3005	IRDAN115RP0016V01200102
Stand-alone own damage two wheeler insurance policy	3005/O	IRDAN115RP0002V02201920
Bundled two wheeler policy	3005	IRDAN115RP0019V01202122

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Bike Insurance

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

Understand your vehicle registration number

Why do our customers love us?

6600+ cashless garagesB

Instant claim approval

24x7 customer support

What is bike insurance?

Why choose ICICI Lombard Bike Insurance?

What are the different types of bike insurance policies?

Comprehensive bike insurance

Who is it suitable for?

What does it cover?

Standalone own damage bike insurance

Who is it suitable for?

What does it cover?

Third-party bike insurance

Who is it suitable for?

What does it cover?

What is Covered by ICICI Lombard Two-wheeler Insurance Policy?

Loss or damage to your two wheeler due to natural disasters

Personal accident cover

Third-party legal liability

Key features of two-wheeler insurance policy

Liability coverage

Own damage coverage

Personal accident cover

Add-on coversG

No claim bonus

Cashless network garages

Reasons to buy bike insurance online

Why should you buy a bike insurance online from ICICI Lombard?

Instant online policy on email

No paperwork

Allows smooth renewal online

Digital claims process

Round the clock claims assistance

How to choose the right two wheeler insurance policy?

How to Effectively Compare Bike Insurance Premium?

Premium break-up

Own damage premium

Third-party premium

Personal accident premium

Add-on premium

Why is bike insurance necessary?

ICICI Lombard two-wheeler insurance policy add-on benefitsG

Roadside assistance cover

Zero depreciation cover

How to buy two-wheeler insurance online?

What is NCB in bike insurance?

What is IDV in bike insurance?

What impacts the insured’s declared value (IDV)?

What is zero depreciation in bike insurance?

How to calculate two-wheeler insurance premium online?

Factors affecting two-wheeler insurance premium

How to save on bike insurance premium?

Claiming NCB benefit

Installing safety devices

Compare plans

How to claim two-wheeler insurance online?

Tips for seamless claims experience of your two-wheeler insurance?

How to renew a two-wheeler insurance policy?

How to renew an expired two-wheeler insurance policy?

Bike insurance price for different two-wheelers

Compare ICICI Lombard two-wheeler insurance policies

Two wheeler insurance blog articles

How to Find Bike Insurance Policy Number

How To Choose Engine Oil For Bike : Essential Tips

BMW F 900 XR: Price, Specfications & Features

Additional frequently asked questions about bike insurance

In case I change my job and location, what happens to my two-wheeler insurance policy?

Once the break-in inspection request is raised online, how long does it take to get the policy?

What are the documents required to buy a bike insurance online?

Can I take insurance policies from 2 different companies for the same vehicle at the same time?

No, you cannot do so.

What if I do not have a motor insurance policy?

You must get a motor insurance policy for your own benefit. It’s not just the repair costs that you’ll have to bear in case of any damages, you may also have to pay a fine of Rs. 2000 if you are caught driving without a valid motor vehicle insurance by the police.

6600+ cashless garages^B

Own damage
coverage

Personal accident
cover

Add-on covers^G

Cashless network
garages

ICICI Lombard two-wheeler insurance policy add-on benefits^G

What is IDV in bike
insurance?

What impacts the insured’s
declared value (IDV)?

What is zero depreciation
in bike insurance?

Factors affecting
two-wheeler insurance
premium