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1800 2666



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Protecting more than 60 lakh two wheelers every year

We are committed to ensure assistance and protection for over 60 lakh two wheeler riders who choose to secure their vehicles with us every year.

7 reasons to buy ICICI Lombard Two Wheeler Insurance

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    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

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    Ride with a protective shield


    Rely on our 2150+ network garages across India for assistance in case of any glitches during your journey

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    Enjoy additional benefits of riding safe


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

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    Renewing your policy online is a breeze


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

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    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

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    Choose extra security for your two wheeler


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

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    Get a hassle-free long term policy


    Get a single policy certificate that is valid for 3 years

Two Wheeler Insurance

Two Wheeler Insurance Simplified

Read Article

Introducing Long Term Two Wheeler Insurance


The Force of 5

Explore 5 protective measures to make your bike rides safer. How many of these do you already follow?

See More

Understand two wheeler insurance policy coverage

Your policy covers:

  • 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 ₹ 2 lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. 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 policy covers, and be in a much better position to benefit from it, read your Policy Wordings carefully.

Your policy does not cover:

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/electrical breakdown
  • Loss/damage due to war, mutiny or nuclear risk

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 Policy Wordings carefully.

Check the sum insured offered by your two wheeler insurance policy

Each two wheeler is insured at a fixed value which is termed as the Insured’s Declared Value (IDV). This sum insured is calculated on the basis of a number of factors. Here’s how it works:

  • 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.

Explore our simple, hassle-free claim process

In case of an unfortunate accident / breakdown, be assured of complete assistance from us

  • In case of an unfortunate accident / breakdown, be assured of complete assistance from us, to get you back onto the road, as early as possible.
  • For a motor insurance claim, you can avail cashless facility for the repair of your vehicle in any of our network garages.
  • If the vehicle is serviced in a garage outside the purview of our network, then you can claim reimbursement of your expenses
  • Now you can directly register and track your claim online*, with our Lodge a Motor Claim service.

*Please note that as of now, only accidental damage claims can be processed through the Lodge a Motor Claim service

In case of an accident, make sure you follow these steps

  • Note the number of the other vehicle involved in the accident, if any
  • Note down the names and contact details of witnesses, if any
  • Contact our toll free number 1800 2666 and get your claim number / reference number
  • The Call Centre Representative will provide you with the details of the documents required for claim processing and also details of our preferred cashless garage
  • File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages

Here’s what happens after you have registered your claim

  • Our Customer Service Manager (CSM) will contact you within 24 hours of registering the claim
  • You will then need to submit all the required documents to the dealer / CSM and get them verified with the originals
  • Our CSM will then get an estimate for the repairs of your vehicle and give spot approval after assessment
  • Payments that need to borne by us at our preferred garage will be made directly to the garage on completion of the repairs
  • Our CSM will inform you in case any balance amount has to be paid by you as per the policy terms and conditions

To make your claim settlement process faster and simpler, follow this checklist of documents

Documents Required for Accident Claims

  • Claim Form duly signed*
  • RC copy of the vehicle
  • Driving License copy
  • Policy copy (First two pages)
  • FIR on a case-to-case basis
  • Original Estimate
  • Original Repair Invoice and Payment Receipt (for cashless garage, only repair invoice)

*Stamp required in case of company registered vehicle

Documents Required for Theft Claims

  • Claim Form duly signed*
  • RC copy of the vehicle with all original keys
  • Driving License copy
  • Policy copy
  • Original FIR copy
  • Original Estimate
  • RTO transfer papers duly signed along with Form 28, 29, 30 and Form 35 (if hypothecated). Form 28 is needed in triplicate, Form 29 and 30 are needed in duplicate.
  • Final report – A No Trace report from the police saying that the vehicle cannot be located

*Stamp required in case of company registered vehicle

Documents Required for Third Party Claims

  • Claim Form duly signed*
  • Police FIR copy
  • Driving License copy
  • Policy copy (First two pages)
  • RC copy of the vehicle

*Stamp required in case of company registered vehicle

Get answers to common queries about two wheeler insurance

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What are the benefits of buying Motor Insurance online?

When you buy Motor Insurance online, you get an instant policy, as there is no documentation or paperwork involved. In addition, you have the advantage of choosing from multiple payment options e.g. Credit Card (Visa, Master Amex card), Net banking, Debit Card etc.

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What is Long Term Two wheeler Insurance (LTTW)?

The Insurance Regulatory and Development Authority of India (IRDAI) has introduced a long-term insurance policy for two wheelers.

This means that you don’t have to renew your policy every year. Instead, you can opt for an insurance policy that is valid for three years. What’s more, by opting for long term insurance, you are immune to the revision of Third Party Rates every year, resulting in significant savings.

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Is it mandatory to insure my Two wheeler as per law?

Under the Motor Vehicle Act, third party insurance is mandatory for every vehicle on the road. Third Party Liability covers:

• Legal liability due to permanent injury and/or death of a third party

• Legal liability due to damage to a third party’s property

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What is the penalty that I may have to incur in case my two wheeler is uninsured?

As per Section 197 of the Motor Vehicle Act, 1988, driving without insurance will lead to a fine of up to `2000 or imprisonment for up to 3 months or both.

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What are the events covered in ICICI Lombard Motor Insurance policy?

The ICICI Lombard Motor Insurance policy is a comprehensive vehicle insurance cover, which offers you coverage for:

• Any Loss or damage to your vehicle
• Third Party Liability
• Any permanent injury / death to a person caused by your insured vehicle
• Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your vehicle
• A Personal Accident Cover for the owner-driver of the vehicle while he is driving

In case of loss or damage to the vehicle or the accessories insured, we provide coverage if the accident occurs due to the following hazards:

• Fire, explosion, self-ignition or lightning
• Burglary, housebreaking or theft
• Riot and strike
• Earthquake (fire and shock damage)
• Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
• Accident by external means
• Malicious act
• Terrorist activity
• Whilst in transit by road, rail, inland-waterway, lift, elevator or air
• Landslide and rockslide

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What is Personal Accident Insurance cover?

Personal Accident Insurance covers death or disability caused due an unfortunate accident. The motor insurance policy essentially has a Personal Accident cover for the owner-driver, as per tariff, for which no extra premium is to be paid. For a person other than the owner and driver, the Personal Accident cover has to be purchased separately by paying an additional premium. The amount paid as compensation depends upon the extent of cover opted for.

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What are the types of events or losses not covered under this policy?

The following events or losses are not covered in this policy:

• Mechanical/ Electrical breakdown
• Wear and tear, ageing of vehicle
• Consequential loss*
• Depreciation
• Deliberate accidental loss
• Intoxicated driving
• Any contractual liability
• Damage to/ by a person driving any vehicles or cars without a valid license

* Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his vehicle met with a road accident resulting in damages to vehicle and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approximately `15 lakhs. Damages to vehicle due to the accident are covered however, but the loss of `15 lakhs is consequential and hence not covered.

For details, please refer to our two-wheeler Policy Wordings.

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What is Third Party Liability cover? Is it covered?

Third Party Liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party insurance covers the following losses:

  • Any permanent injury / death to a person caused by your vehicle
  • Any damage caused to the property (excluding vehicle) of some other individual by your insured vehicle

Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered upto `1 lakh in case of two-wheelers.

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What are the different modes of payment on

You can choose between 6 payment options to pay your premium online:

  • Credit Card – Make secure premium payment with your VISA, Master and AMEX card.
  • Net Banking - Transfer the premium amount online through ICICI Bank and 13 other selected Banks
  • Debit Card – Just enter your Citibank, HDFC Bank, ICICI Bank or any of the other 7 approved bank’s Debit Card details to pay your insurance premium directly
  • Cash Card - Use your Done or ITZ Card to make the payment online
  • Cheque/ Demand Draft: You can send a Cheque/ Demand Draft by courier to our office address

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What are the factors affecting the premium amount?

The premium payable for your vehicle depends on the following factors:
  • Cubic capacity of the engine
  • Age of vehicle
  • Geographical Zone
  • Type of Model
  • IDV (Insured declared Value)
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    What is ARAI?

    ARAI stands for Automotive Research Association of India. If you have installed an ARAI approved anti-theft device in your vehicle, whose installation is dully certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium, subject to maximum of ` 500.

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    When should I report to the police?

    Incidents such as ‘Third Party Property Damage’, ‘Bodily Injury to Self or Third Party’ or ‘Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred.

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    Can I ask for some advance in case the repair charges are very high?

    We offer cashless claim services where the repair charges are directly paid to the garage, if your vehicle is repaired in a garage falling within our network. However, if the vehicle is repaired in a garage not falling in our network, you have to pay the repairing charges to the garage and we will reimburse the amount to you, as per our non-cashless claim services.

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    What is Cashless Claim and Non-cashless/ Reimbursement claim?

    Cashless Claim - In cashless claim facility, the repair charges of the vehicle are directly paid to the garage by us, provided the vehicle is repaired in our garage network.

    Non-cashless/ Reimbursement - If the vehicle is repaired in a garage outside the purview of our network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

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    How do I register my claim?

    • Contact our Toll Free Helpline 1800 2666 to register your claim and get a claim number/ reference number. You can also directly register your claim online*, with our Lodge A Motor Claim service.
    • * Please note that as of now, only accidental damage claims can be processed through the 'Lodge A Motor Claim' interface

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    What is an endorsement?

    An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. An endorsement can be of two types, i.e. Premium bearing and Non-premium bearing.

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    What is a non-premium bearing endorsement?

    A non-premium bearing endorsement is the endorsement for which you are not charged any additional premium. For example, Rectification in your contact details, Rectification in engine/ chassis number, Addition of hypothecation, etc.

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    What is a premium bearing endorsement?

    A premium bearing endorsement is the endorsement for which additional premium is charged. For example, Transfer of ownership, Addition of LPG/ CNG kit, Change of RTO location, etc.

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    How do I take a print of my policy?

    In case you have purchased your policy online through then you can print your policy from the ‘My policy’ section of your 'My Insurance Account' by logging in. Alternatively, you can just click here to take a print of your policy.

    In case you have purchased your policy through our Branch/Agent, then you need to click here to search for your policy. Create your 'My Insurance Account', and then take a print out of your policy.

    Two Wheeler Insurance by ICICI Lombard – Now buy a motorcycle insurance policy online for 1, 2 or 3 years and be worry free. 5500+ Network Garages across India.

    Review and Rating

    145 reviews

    Write a review
    1. Soham ul haq | Dec 20, 2016
      ICICI Lombard team has been quick and very co-operative, they offer good benefits on two wheeler insurance. Awesome service.
    2. Sagar Kumar | Dec 17, 2016
      Good service provided by ICICI Lombard. I appreciated all their services and more importantly time to explain the bike insurance policy’s features, benefits and add-ons. I am continuing with ICICI Lombard from past 3 years. Thank you. 
    3. Ravinder singh | Dec 13, 2016
      Hi, my bike insurance policy got expired and policy number is 3005/2010826515/BO/0000001483. Can you please help me to renew my policy?
    4. Ashish Kumar | Nov 20, 2016
      It was nice to interact with your representative. She has a great knowledge of two wheeler insurance policy and helped me in buying process. Have a great day ICICI Lombard team.
    5. Vineet Kumar | Nov 20, 2016
      I am existing customer of ICICI Lombard, recently I interacted with your team to renew my two wheeler policy. They have helped me in each and every step on renewing process. Excellent service.
    6. Sivaraman Subramanian | Nov 20, 2016
      I am very much satisfied with the way I was guided by the employee to get my bike insurance policy. It’s fantastic and keep it up.
    7. Pradeep Singh Nain | Nov 19, 2016
      I am extremely satisfied with the way your team has explained about two wheeler insurance.
    8. Anil Pentam | Nov 19, 2016
      I renewed my bike insurance for three years. I am expecting something reduction of policy premium charges because, I didn’t claim on my previous policies. Overall service is good.
    9. Vinai Kumar Meruva | Nov 18, 2016
      Your team member was very knowledgeable about product. She is very good in explaining and engaging the customer, I feel like I am one of the happiest customer and all this credit goes to your team. Thanks to ICICI Lombard team making our days happy.
    10. Arun Kumar U.S. | Nov 18, 2016
      Your team had quickly helped me to send the link to renew my 2 wheeler policy. Thanks for the quick response.
    11. Mudassar Ahmad | Nov 18, 2016
      Your team has helped me with the entire buying process, I got my bike insurance policy instantly. That was a great relief and also scheduled a call for my four wheeler insurance policy. Great service by your team. I am delighted.
    12. Naveen Krishna Yarlagadda | Nov 17, 2016
      Well guided and supported by executive, all the doubts were clearly explained. The policy purchase was made easy for my bike.
    13. Basheer Ahamed | Nov 17, 2016
      Your customer support team did really a good job in helping me out through the policy renewal process. Keep up the good work.
    14. Abhijit Rupnar | Nov 17, 2016
      It was nice experience, never thought of this kind of response from any insurance company, well trained employee. Yesterday, I had very bad experience with new India assurance but, from your side it was excellent.
    15. Bhirgu Gautam | Nov 17, 2016
      Your representative has helped me to renew my two wheeler insurance. He is so kind and gave me all details on the renewal and benefits of long term two wheeler insurance. Thanks so much
    16. Ashwin B. | Nov 16, 2016
      I was trying to renew my policy and had a mismatch in the RTO name of my vehicle registered. I gave a call to the toll free number 18002666, your person received my call and he helped me over the call until I successfully generated a bike insurance policy. It was a good experience.
    17. Shravan Kumar | Nov 16, 2016
      I am happy with your representative, she has solved all my issues regarding two wheeler insurance which I was facing from last 3 days.
    18. Raja P. | Nov 16, 2016
      I am not able to change my login password through, forget password option provided in There is bug in it. Please resolve it.
    19. Nilesh Jamdade | Nov 16, 2016
      Thank you for assisting me on buying the bike insurance Policy Number: 3005/W-50842925/00/000 much appreciated!!! Many thanks.
    20. Gokul Krishna R. | Nov 15, 2016
      Your team has helped me to get the 2 wheeler insurance. They had followed up today thrice and provided me all the details which I had asked earlier.
    21. Arulmurugan P. | Nov 15, 2016
      The representative had helped me throughout the renewal process, she has guided me the whole procedure without getting irritated and I completed the process successfully. Thanks.
    22. Shaileshkumar Teraiya | Nov 14, 2016
      Hi Sir, I have not received my bike policy through email, Policy number-3005/ai-11016675/00/b00, so please help me as soon as possible.
    23. Mursheid Khan | Nov 14, 2016
      I almost thought, I will not go with ICICI Lombard but your representative has convinced me to buy the two wheeler insurance. Thank you
    24. Sandeep I. | Nov 13, 2016
      It was good conversation to your team with regards to my bike policy, he had explained me all the points in details and utmost clarity. Thank You.
    25. Prasad Gurazada | Nov 12, 2016
      Your executive has helped me appropriately to buy 2 wheeler insurance for 3 years which leads to some saving. Thanks.
    26. Tathahgata Misra | Nov 11, 2016
      Thank you ICICI Lombard Support Team for helping me out while buying two wheeler policy.
    27. Sabinay Swain | Nov 10, 2016
      Thanks for guiding me in buying my brother’s two wheeler insurance. Always easy to buy new or renew the insurance through ICICI Lombard.
    28. Namit Gautam | Nov 09, 2016
      I am very satisfied with online help and support to buy 2 wheeler insurance policy online. Policy buying experience was wonderful. Thanks to your online support team.
    29. Kaushal Baghel | Nov 09, 2016
      It was a nice experience. As I was not able to renew my two wheeler policy online, I had requested a call back and received a call within a minute. I talked with your team member, she was very nice throughout the conversation and renewed my bike insurance over phone. Overall it was a convenient experience.
    30. Sambit Kumar Patra | Nov 09, 2016
      Your sales team member has really helped me a lot in getting the quotes for the insurance. He explained the policy well to me along with difference between ICICI Lombard policy and other policies available in market. I was quite convinced after discussing with him to go for ICICI Lombard two wheeler policy. I would thank him for the effort and help.
    31. Saswat Maharana | Nov 08, 2016
      Your team gave me quote on my 2-wheeler vehicle policy and explained me the policy details very clearly. I purchased the policy within a period of 10 minutes. Great Experience.
    32. Edna Borges | Nov 08, 2016
      I would like to compliment your team member for his prompt action on reading my online feedback with regard to renewing my two wheeler policy online. He called up and patiently helped me through the process of. Thanks for helping me in the renewal process and reinstating my trust in ICICI Lombard.
    33. Amit Arora | Nov 08, 2016
      Today I called customer care to renew the bike policy 3005/29820624/1037/000 but due to some reason I was unable to renew it. Afterward I received call from your team and they helped me on renewing my policy instantly. Appreciated!
    34. Gracian Pereira | Nov 07, 2016
      Your customer service executive was very helpful in renewing my policy and looks well trained with the policy procedures and terms & condition. He explained me each and every step for renewal and assisted in making payment online too. I will rate him 4.5 out of 5.
    35. Naveen P. | Nov 07, 2016
      It was a good experience speaking with your team, they know customer requirements, and ICICI Lombard has a good team in Customer Support. Hope this
    36. Vinay Kumar | Nov 06, 2016
      Good explanation and benefits of long term two wheeler insurance has provided by your support team, which convinced me to buy policy for 2 years.
    37. t | Nov 06, 2016
      ype of service continues in future also. Thanking You
    38. Gali Shiva Kumar | Nov 05, 2016
      Thank you for assisting me through the process of buying Two Wheeler Insurance. You saved my valuable time and effort. Thank you once again
    39. Ryan Fernandes | Nov 05, 2016
      Your team has took me through the insurance renewal process and was very helpful. Although ICICI Lombard’s quote was higher than competitors, however I found the Insured Declared Value (IDV) was higher as well.
    40. Pradeep Kumar | Nov 04, 2016
      I would like to thank your team for great support during my bike insurance policy purchase. They not only had calculated the premium but also helped me to navigate throughout the purchase process. Thank you ICICI Lombard.
    41. Raviraj Gokhale | Nov 04, 2016
      Feedback for your customer support team: Your team had helped me in getting insurance policies for my 2 bikes, as I was facing issue on buying policy through your website. Feedback for your new website: You must improve the overall website performance and payment gateway.
    42. Narsimha Mudgal | Nov 03, 2016
      Your support team has explained very clearly about the bike insurance policy and amount breakup details. They were very polite and co
    43. Suman Kumar Pallerla | Nov 03, 2016
      Your team is very courteous, customer friendly, knowledgeable and informative about customer needs and provides appropriate solutions. Thank you for making the process smooth even when site was down and patiently taking through the entire online process.
    44. - | Nov 02, 2016
      operative. Life made easy with such people.
    45. Suraj Kumar Sahu | Nov 02, 2016
      I purchased two wheeler Insurance online with the help of your phone officer. He assisted me in each and every step to buy insurance. Thank You
    46. Yashwanth Reddy Kuppireddy | Nov 01, 2016
      Bharath Pamu
    47. Sujeet | Oct 26, 2016
      Good service provided by ICICI Lombard. Very easy and good value. The team provided great help and guided on every step to complete the transaction. Very good insurance company.
    48. Prabhakar Kumar | Oct 13, 2016
      The team at ICICI Lombard was really helpful. I appreciate all their efforts.
    49. Rajeev | Sep 17, 2016
      ICICI Lombard staff is very friendly. I appreciated all their services and more importantly time, while they were helping me out with my motorcycle insurance.
    50. Aravinth | Sep 07, 2016
      I have bike insurance with them and its very good.I am continuing with them for past 3 years.
      Read All Reviews

      Write a review

      Listen to our customers


      “Fine service and feed back is good online renewal must be made easy. ”

      E Prakash - Chennai - Employee, SBI


      “The team handled my renewal query and process very smoothly. They also convinced me to go for a personal cover policy which I am happy to op... ”

      Madankumar Venugopal - Engineer - Chennai


      “The team gave us nice service. They were polite and suggested us nicely to renew our policy for Honda Activa. Thank you so much ”

      Gulshanbanu M. Ansari - Engineer - Mumbai


      find network Garage

      Dealer Name Address City State Contact No Contact Person Latitude Longitude Operations
      ICICI Lombard General Insurance Company Ltd. is one of the largest private sector general insurance companies in India. We offer insurance coverage for motor, health, travel, home and others. Customers can buy or renew policies online with instant policy issuance.
      Trade logo displayed above belongs to ICICI Bank Ltd. and Northbridge Financial Corporation and is used by ICICI Lombard GIC Ltd. under license. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: U67200MH2000PLC129408.
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