Two Wheeler Insurance: Buy or Renew Bike Insurance Online | ICICI Lombard
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7 reasons to buy Two Wheeler Insurance from ICICI Lombard

  • Choose convenience over hassles of renewal

    The policy comes with tenure options of 1, 2 or 3 years. Opt for long term tenure and ride worry free

  • Ride with a protective shield

    Rely on our 3400+ network garages across India for assistance in case of any glitches during your journey

  • Enjoy additional benefits of riding safe

    Your No Claim Bonus (NCB) will be applicable for 1 or more claims as per the policy period

  • Renewing your policy online is a breeze

    There will be no vehicular inspection conducted, even in the case of an expired policy

  • Secure yourself and your co-passengers

    Get an inbuilt personal accident cover and keep your loved ones secure too with add-on co-passenger cover

  • Choose extra security for your two wheeler

    Opt for add-on cover to secure electrical and non-electrical accessories of your two wheeler

  • Get a hassle-free long term policy

    Get a single policy certificate that is valid for 3 years

All Types of Vehicles % of Discount on Own Damage Premium
No claim made or pending during the preceding year of insurance 20
No claim made or pending during the preceding 2 consecutive years of insurance 25
No claim made or pending during the preceding 3 consecutive years of insurance 35
No claim made or pending during the preceding 4 consecutive years of insurance 45
No claim made or pending during the preceding 5 consecutive years of insurance 50

For Long Term Two Wheeler policyholders, the below would apply:

% NCB
No claim during policy tenure 40
One claim during policy tenure 30
Two claims during policy tenure 20
  • Your No Claim Bonus (NCB) will be applicable for 1 or more claims as per the policy period
  • The policy comes with tenure options of 1, 2 or 3 years. Opt for long term tenure and ride worry free.
  • Get a single policy certificate that is valid for 3 years.
  • Rely on our 2150+ network garages across India for assistance in case of any glitches during your journey
  • Opt for add-on cover to secure electrical and non-electrical accessories of your two wheeler
  • Get an inbuilt personal accident cover and keep your loved ones secure too with add-on co-passenger cover
  • There will be no vehicular inspection conducted, even in the case of an expired policy
  • Policy copy of your two wheeler insurance will be issued immediately online
  • Set Renewal Reminder to receive policy renewal reminders
  • 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.***
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UNDERSTAND TWO WHEELER INSURANCE POLICY COVERAGE

What is covered under your two wheeler insurance policy: Inclusions

  • 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 ₹ 15 lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the  ​Two Wheeler. Optional personal accident covers for co-passengers are also 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.

To understand exactly what all your bike insurance policy covers, and be in a much better position to benefit from it, read your Bike Insurance Policy Wordings carefully.

What is not covered under your two wheeler insurance policy: Exclusions

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Damage to/by a person driving any vehicles or cars without a valid license
  • Damage to/by a person driving the vehicle under the influence of drugs or liquor
  • Mechanical/electrical breakdown
  • Loss/damage due to war, mutiny or nuclear risk
  • Vehicles including cars being used otherwise than in accordance with limitations as to use
  • 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

It’s always a good idea to be aware of what is excluded from your policy, so that you are not disappointed by extra expenses later. So make sure you go through the

Two Wheeler Policy Wordings carefully.

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