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Bike Insurance

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Two-wheeler Insurance

Two-wheeler insurance is your vehicle’s unseen superhero. It protects your bike or scooter against real-world villains like unexpected accidents, natural or man‑made calamities, theft, etc. It also protects you when you accidentally cause third-party damages and liabilities. That’s why choosing the best two-wheeler insurance policy helps to ensure your every ride is safe, smooth and hassle-free.

Now that the GST on new bikes below 350 cc has been revised to just 18%, it has become quite affordable to buy a new bike. So when you bring a new ride to your home, safeguard it with ICICI Lombard’s two-wheeler insurance. Our policies are designed to give you complete peace of mind every time you hit the road.

What is Bike Insurance?

Bike insurance or two-wheeler insurance financially protects you and your vehicle from accidental damages or losses. It covers repair or replacement expenses incurred due to unexpected accidents, theft, natural or man-made disasters and more. It also covers you if your bike or scooter accidentally cause damage to someone else’s vehicle or property. Bike insurance also helps you provide financial compensation in case of accidental injuries or death.

All bike owners in India are required to have at least a third-party insurance as per the Motor Vehicles Act. You will have to pay fines and penalties if you ever drive without a valid third-party coverage. Note that it does not cover own damages and its premium rates are based on engine capacity and the Indian Motor Tariff.

The right bike insurance policy helps you enjoy complete protection and peace of mind on every ride. You can choose a comprehensive two-wheeler insurance policy to get coverage for both damages to your own bike and third-party liabilities. You can also enhance your policy by opting for add-ons like zero depreciation, roadside assistance, engine protection, etc.

Quick Summary

Two-wheeler insurance protects you and your bike/scooter against third-party liabilities, accidents, theft, fire, natural and man-made calamities, etc.
Third-party bike insurance is mandatory under the Motor Vehicles Act, 1988.
Personal Accident Cover for Owner-Driver offers a compensation of up to ₹15 lakhs for accidental disability or death.
You can enhance your bike insurance coverage with add-ons like Zero Depreciation, Roadside Assistance, Consumables Cover, etc.
Your bike insurance premium depends on factors such as your IDV, bike age and model, engine capacity, coverage type, add-ons chosen, claim history, and registration location.
You earn a NCB discount on your bike insurance premium for every claim-free year.

Why Do You Need Bike Insurance?

Every ride comes with a dash of uncertainty - a minor collision, a stolen bike, or damage caused to someone else’s property. A reliable bike insurance helps you deal with these unpleasant situations without draining your savings. Here are the top reasons why you need a bike insurance:

Comprehensive Protection

Repairing a two-wheeler, especially a new bike, can be quite expensive. The best bike insurance plan offers comprehensive coverage against third-party liabilities, accidental damages or loss, theft, fire, personal accidents, malicious activities, natural calamities like flood, earthquake, etc.

Legal Requirement

Riding your bike or scooter without a valid third-party two-wheeler insurance is against the law. For example, you need to pay a ₹2,000 fine and/or face imprisonment for breaching the Motor Vehicles Act 1988 for the first time. Any future offence can attract ₹4000 in fines and/or imprisonment.

Personal Accident Coverage

According to a report from Ministry of Road Transport and Highways, the number of road accidents and fatalities has increased between 2020 and 2024. A two-wheeler policy with a personal accident coverage of up to ₹15 lakhs helps you and your dependents deal with accidental disabilities or loss of life.

Enhanced Coverage

While a third-party coverage is mandatory, you can enhance your own damage coverage by opting for add-ons. You can choose add-ons that protect your NCB, bike’s engine, tyre/rim, etc. You can also opt for covers like zero depreciation, consumables cover or roadside assistance and more for enhanced protection.

Who Should Buy Two-Wheeler Insurance?

Two-wheeler insurance is essential for anyone who owns or rides a bike or scooter in India.

New Bike Owners

All new bike owners should opt for comprehensive bike insurance policy, which covers both third-party liabilities and own damage. This helps to ensure they fulfil a mandatory requirement whilst enjoying a well-rounded protection.

Daily Commuters

The risk of accidental damage is particularly high when you use your vehicle for daily commute. Why? Because you are regularly exposed to unpredictable road conditions and weather changes. This makes having a bike insurance quite important.

Occasional Riders

Are you someone who takes out your bike only on weekends, for errands, or during road trips? If yes, then you also need motorcycle insurance as accidents can happen anytime. The best bike insurance can help you deal with the unexpected with ease.

Which Types of Two-Wheelers Can Be Insured with ICICI Lombard?

ICICI Lombard offers coverage to almost every type of two-wheelers available in the Indian market. You can choose the ideal two-wheeler insurance based on your vehicle and riding style.

Bikes

You can insure all kinds of bike models, be it basic motorcycles or sports bikes. A comprehensive bike insurance will protect your beloved bike against accidents, natural calamities, theft and more.

Scooters

You can buy two-wheeler insurance to secure both geared and gearless scooters. Scooters, which are among most popular choices for city travel or daily errands, requires reliable coverage for those everyday road risks.

Electric Bikes

Electric bikes are gaining popularity for their eco-friendliness. Just like their conventional counterparts, these two-wheelers also require a valid insurance that protects them against third-party liabilities and own damages.

Mopeds

These lightweight bikes with 50-100cc engines are a popular choice among small businesses and logistics operators for short-distance commuting and quick deliveries. With their growing presence on the road, these two-wheelers need a reliable bike insurance.

What Are the Different Types of Two-Wheeler Insurance?

Third-party Two-wheeler Insurance

This insurance covers third-party property damages, bodily injuries and even death caused by your insured two-wheeler. It helps cover legal liabilities arising due to such damages. A third-party two-wheeler insurance, which is the most basic form of bike insurance, is mandatory under the Motor Vehicles Act 1988. However, it does not cover damage to your own bike.

View Plan

Own Damage Two-wheeler Insurance

A standalone own damage two-wheeler insurance protects your bike or scooter against accidental damages, fire, theft, malicious activities, natural calamities, etc. Unlike third-party insurance, this policy focuses on your bike's repair or replacement costs. You can further enhance your own damage coverage with add-ons like zero depreciation, roadside assistance, consumables cover, etc.

View Plan

Comprehensive Two-wheeler Insurance

A comprehensive two-wheeler insurance or two-wheeler package insurance policy combines a third-party insurance and own damage insurance to offer a 360-degree coverage. In simple terms, it offers coverage for third-party liabilities, own damage, and the damage your bike suffers from accidents, theft, vandalism, etc.

View Plan

What is Covered by ICICI Lombard Two-Wheeler Insurance?

ICICI Lombard offers comprehensive protection against a range of common and unexpected risks that riders face on Indian roads. Here’s a glimpse into what’s covered by our Two-wheeler Vehicle Package Policy:

What’s Covered
What’s Not Covered

Accidents

Our bike insurance policy covers damages or losses caused to your bike due to a road accident, collision, etc. With this, you don’t have to worry about repair or replacement costs!
Theft

We also provide compensation in case your bike is stolen. This compensation is based on your vehicle’s Insured Declared Value (IDV) and policy terms and conditions.
Fire

Your bike is also covered against damages or losses caused to your bike by fire explosion, self-ignition, lightning, etc.
Natural Calamities

Our bike insurance policy covers losses or damages suffered by your two-wheeler due to lightning, earthquakes, typhoons, frost, landslides, etc.
Man-made disasters

Our two-wheeler insurance provides coverage against riots, strikes, malicious acts, terrorist activities, etc.
Personal Accidents

We offer a Personal Accident Cover of up to ₹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 bike insurance policy offers protection against third-party legal liability for accidents and damages caused by your bike.
Transit-related Damages

We also cover damages sustained by your bike during transit by road, rail, inland-waterway, lift, or air.

Note: Refer to policy wording for detailed information on inclusions.

Loss/Damage Outside Geographical Area

Our bike insurance policy doesn’t cover any accidental losses or damages incurred outside India.
Depreciation

We do not cover replacement or repair costs incurred due to general wear and tear and/or depreciation of different bike parts.
Contractual Liability

Our two-wheeler insurance does not cover any liability assumed under a private agreement or contract that’s specifically excluded from the policy.
Illegal Driving

We do not cover any accidental damages when the insured is riding their vehicle under the influence of drugs/liquor or without a valid driving licence.
War-like Situations

Bike insurance plans do not cover damages resulting from war, invasion, nuclear risks, civil war, mutiny, rebellion, etc.

Note: Refer to policy wording for detailed information on exclusions.

Don’t ride uninsured.

Driving without a valid third-party insurance can
attract traffic fines of ₹2,000 and more.

Insure Your Bike

What Are the Key Features of Two-Wheeler Insurance?

Coverage Against Own Damages

The best bike insurance offers a financial cushion in the event your bike suffers damages from accidents, fire, theft, natural disasters, etc. This ensures you are not burdened with heavy out-of-pocket expenses after an unfortunate incident.
Coverage Against Third-party Liabilities

Bike insurance offers financial protection against damages or injuries caused to third parties in an accident where you and your bike are at fault. Third-party coverage is also mandatory by Indian law.
Policy Customisation

You can fortify the base policy's coverage with the help of add-ons. Common bike insurance add-on covers include engine protection, zero depreciation, roadside assistance, etc. Choose add-ons depending on your riding habits and risk exposure.
Personal Accident Cover

Get financial support when you, the owner-rider, suffer an accidental injury while riding your bike. With personal accident cover, your nominee gets a payout in case of your accidental death.

Online Buying/Renewal Process

You can easily compare bike insurance plans online, calculate premiums and get covered instantly without any paperwork. You can also renew your bike insurance policy via your insurer’s website or app.
No Claim Bonus

Insurance companies reward you with a discount in premiums for every claim-free year. The NCB discount can go up to 50%. You can claim this discount at the time of your bike insurance policy renewal.
Cashless Repairs

You get access to authorised garages where you can repair your damaged bike without making any upfront payments. Just raise a claim and the insurer directly settles the repair bills – you just have to pay for deductibles and consumables.

What are the Key Add-ons Available in Bike Insurance?

Here are some add-ons you can add to your two-wheeler insurance policy from ICICI Lombard, along with their benefits.

IL Smart Assist

This add-on is specially designed to offer enhanced on-road support and convenience services. Some of the key services include towing, battery jumpstart, flat tyre replacement, etc.

Roadside Assistance

This cover lets you stay ahead of unexpected breakdowns or accidents by offering 24/7 support. Be it breakdowns, key arrangement or minor repairs, the roadside assistance cover ensures you’re never stranded.

Zero Depreciation

With this cover, you get the maximum claim amount without any deductions for depreciation on your bike’s parts. The zero depreciation cover in bike applies only if your claim is for loss or damage to the vehicle.

Engine Protect Plus

This add-on protects your bike’s engine parts and gearbox parts against damages caused due to water ingress or oil leakage. It will not cover added damage caused by delayed intimation or late removal from a waterlogged area.

Key Protect

Get coverage for repairing or replacing your bike’s keys, locks and locksets as per your bike insurance policy’s terms and conditions. This add-on also covers the locksmith charges in case your key is stolen, misplaced or accidentally damaged.

Garage Cash

Under this add-on, you get daily allowance if your bike is under repair at a garage for a specified number of days. You may also get a lump-sum amount if your bike is declared as total loss/constructive total loss/cash loss.

Return to Invoice

In case of total loss, this add-on will help you bridge the gap between your bike’s IDV and the actual cost of buying a new bike of the same make and model.

Tyre and Wheel RIM Protect

It covers the cost of repairing or replacing tyres/tubes/ wheel rims if they are damaged due to an incident. It provides coverage in multiple situations, including sidewall indentations caused by an external impact.

Consumables Cover

It covers the cost of consumable items used during your bike repair/replacement process. Consumables include washers, brake oil, nut and bolt, lubricant, clip, screw, engine oil, oil filter, bearings, grease, fuel filter, coolant, etc.

Note: Kindly go through the policy wordings for detailed information about different two-wheeler add-ons offered by ICICI Lombard. You can check the complete list of add-on covers in this document.

What is Zero Depreciation in Bike Insurance?

Zero depreciation, also known as nil depreciation, is an add-on cover that offsets the depreciation deductions on your bike or scooter’s parts. Normally, insurers charge a deduction on replaced parts based on their material. For example, plastic parts, tyres, tubes and batteries attract up to 50% depreciation while fibre glass components see around 30% depreciation.

Your bike depreciation also depends on its age. Here’s a breakdown of the same:

Bike Age	Percentage of Depreciation
Less than 6 months	0%
More than 6 months but less than 1 year	5%
More than 1 year but less than 2 years	10%
More than 2 years but less than 3 years	15%
More than 3 years but less than 4 years	25%
More than 4 years but less than 5 years	35%
More than 5 years but less than 10 years	40%
More than 10 years	50%

Our zero depreciation add-on is ideal for people who have recently purchased a new bike, own a luxury two-wheeler, stay in metro cities or accident-prone areas, and looking for stronger financial protection. Note that this add-on is available at nominal extra premium.

What is IDV in Bike Insurance?

IDV or Insured Declared Value 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.

IDV is calculated based on your bike’s ex-showroom price minus depreciation. So the older your bike gets, the lower would be its IDV. Suppose your bike’s ex-showroom price is ₹120,000. Its IDV would be around ₹102,000 and ₹100,000 after one year depending upon the applicable depreciation rate.

Here’s the depreciation schedule for fixing your bike’s IDV:

Bike Age	% 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%

Note that IDV for bikes aged over five years and obsolete models is calculated based on mutual understanding between the insurer and the insured.

Which Factors Impact the IDV?

Age of the Bike

Age is the biggest factor affecting IDV. The value of your bike depreciates as your bike gets older. The older the bike, the lower its IDV.

Bike’s Market Value

Your bike’s market value is determined by its make, model and variant. Premium bikes or models with higher market demand typically have a higher IDV than regular bikes.

Modifications Done

Any approved additional accessories fitted to your bike may also influence the IDV. Note that these modifications need to be declared and included in the bike insurance policy.

Depreciation Rates

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 NCB in Bike Insurance?

NCB or No Claim Bonus is a reward your insurer offers for not making any claims during the policy period. You earn a discount on your bike insurance premium for every claim-free year. You can easily claim this discount while renewing your policy.

Here are the different NCB slabs for two-wheelers:

Scenario	Discount Percentage (Applicable Only on Own Damage Premium)
No claims in the first year	20%
No claims in two consecutive years	25%
No claims in three consecutive years	35%
No claims in four consecutive years	45%
No claims in five consecutive years	50%

As highlighted above, NCB offers discount on the own damage component of your bike insurance premium. Let’s understand this with an example. Suppose your own damage premium is ₹4000 and you have an NCB of 25%. Your NCB discount amount will be ₹1000, which is 25% of ₹4000. Note that NCB is not applicable on third-party premiums.

Which Factors Affect Two-Wheeler Insurance Premium?

Policy Type

The type of policy you choose directly affects your premium. While third-party insurance is quite affordable, an own damage or comprehensive bike insurance offers wider protection.

Engine’s Cubic Capacity

Your bike insurance premium depends on your vehicle’s cubic capacity (CC). A higher CC model usually has a higher premium and vice versa.

Bike’s Age & Model

Newer and premium bike models usually have higher IDV, which increases the premium. As your bike ages, its IDV lowers and the premium may depend on its condition and resale value.

Bike Modifications

Any modifications that alter the bike’s performance or appearance can increase the IDV and impact the calculation of your bike insurance premium.

No Claim Bonus (NCB)

While frequent claims can lead to higher premiums, you earn a NCB discount for riding safely and not making a claim during a policy year.

Add-ons

Opting for optional covers such as zero depreciation, engine protect, or roadside assistance increase your premium but also enhance bike insurance coverage.

How to Calculate Two-Wheeler Insurance Premium Online?

Your bike insurance premium is calculated using a digital premium calculator available on the insurer’s website. The premium depends on factors such as your bike’s age and model, engine’s cubic capacity, IDV, type of coverage and add-on selected, and registration location. Here’s how you can calculate your bike insurance premium:

STEP 1

Enter your two-wheeler details, including registration number.

STEP 2

Choose the coverage and add-ons you want.

STEP 3

You will know premiums instantly.

How to Save on Bike Insurance Premium?

Compare Plans Online: Don’t settle for the first quote. Comparing different bike insurance plans online allows you to find the best coverage at an attractive price.
Choose Right IDV: Know your bike’s correct market value before selecting the Insured Declared Value (IDV). A lower IDV may reduce your premium.
Claim NCB: Being a responsible driver reduces the chances of making a claim and availing of the benefits of NCB in bike insurance. Use it to your advantage to save on premiums.
Opt for Voluntary Deductible: You can opt for a higher voluntary deductible to reduce your bike insurance premium.
Renew on Time: Renew your bike insurance online on time to avoid policy lapse and protect your accumulated NCB.

One accident can cost more than a year of insurance.

Choose ICICI Lombard Two-wheeler Insurance today!

Get Covered

Bike Insurance Price for Different Two-Wheelers

Different bike insurance policies have different premiums. This is mainly because they depend on various factors such as bike’s make and model, IDV, coverage type, add-ons, claims history, location and more. However, the cost of a third-party bike insurance plan is uniform and regulated by the Insurance Regulatory and Development Authority of India (IRDAI). This table shows the latest price of third-party bike insurance plans:

Bike’s cubic capacity	One-year Third-party Insurance Premium	Five-year Third-party Insurance Premium
Less than 75 CC	₹538	₹2,901
75 to 150 CC	₹714	₹3,851
150 - 350 CC	₹1,366	₹7,365
Greater than 350 CC	₹2,804	₹15,117

How to Effectively Compare Bike Insurance Premium?

Comparing bike insurance premiums online isn’t about choosing the lowest price. It’s about getting the right coverage at the right value. Here are some tips to effectively compare your bike insurance premium:

Compare Plans Online: The first step is comparing bike insurance plans online. A third-party coverage is cheaper, but a comprehensive bike insurance covers both third-party liabilities and own damage.
Check IDV: Pay special attention to IDVs offered across different bike insurance quotes. A lower IDV reduces premium but also lowers your claim payout in case of theft or total loss.
Review Coverage Details: Carefully go through the policy inclusions and exclusions to understand what’s covered and what’s not covered. Some policies may appear cheaper but offer limited benefits.
Evaluate Add-ons: There are multiple add-on options available in the market to improve your bike insurance coverage. However, they attract additional premium. Evaluate your needs and select the ones that actually add value to your coverage.
Compare Deductibles: Opting for a higher voluntary deductible lowers your payable premium but increases your out-of-pocket expense during a bike insurance claim.
Review Premium Break-Up: Your premium is made up of multiple components like your own damage premium, your third-party liability premium, add-on premium, personal accident coverage premium, etc. Review your premium break-up before selecting a policy.

Compare ICICI Lombard Two-Wheeler Insurance Policies

Parameters	Comprehensive Two-wheeler Insurance Policy	Own Damage Two-wheeler Insurance Policy	Third-party Two-Wheeler Insurance Policy
Damage to Own Bike
Damage to Third-party Vehicle or Property
Theft of Own Vehicle
Third-party Injury or Death
Damage Due to Natural or Man-made Disasters
IDV Customisation
Add-ons
Personal Accident Coverage
No Claim Bonus up to 50%
Cashless Repairs

How to Choose the Right Two-wheeler Insurance Policy?

Choosing the best bike insurance plan isn’t just about buying what’s mandatory. It’s about protecting your bike in a way that suits your usage, budget and risk exposure. Here’s how you can make the right choice:

Assess Your Needs

Start by understanding how you want to use your bike. If your risk exposure is high, a comprehensive bike insurance policy with add-ons may be more appropriate than a basic third-party bike insurance plan.
Compare Policies Online

Take bike insurance quotes from multiple insurers. Look beyond just the premium and compare IDV options, add-ons, deductibles and discounts like No Claim Bonus (NCB). Select the plan that suits your needs the best.
Review Coverage

Check what is included and excluded in your bike insurance policy to avoid surprises later. You can go through the policy wordings to get detailed information about your policy inclusions and exclusions.
Check Claim Process

A hassle-free and transparent claim process is crucial. Look for insurers with a wide network of cashless garages and easy digital claim filing. Faster approvals and minimal paperwork can make a big difference during emergencies.

Calculate Premium Now

From office runs to long rides,

keep every journey protected with the right bike insurance!

Buy Now

Why Choose ICICI Lombard
Bike Insurance?

ICICI Lombard offers a well-rounded bike insurance plan that combines financial protection with digital convenience. You can further enhance coverage with our amazing add-ons. That’s not all. Our online buying and renewal process is quick and transparent, ensuring you get the convenience, flexibility and dependable support you need anywhere, anytime.

Instant Policy Generation: Our bike insurance provides instant online policy issuance, ensuring you get coverage without delays.
No Paperwork: Get comprehensive coverage for your bike in just a few clicks. Check premiums online for the right coverage and customise your policy on the go.
Digital Claims Inspection: Simply log in to our IL TakeCare app, file your claim digitally, and receive instant repair approval through InstaSpect.
Network Garages: Get access to a wide network of cashless garages and enjoy smoother repairs. We have tie-ups with 7000+ garages to ensure you get prompt services.
24x7 Customer Support: Our 24/7 claim assistance makes the claim process hassle-free. Contact us anytime at 1800 2666 for prompt support.

Why Choose ICICI Lombard Bike Insurance?

How to Buy Two-Wheeler
Insurance Online?

Share Details: Enter your bike details, including registration number, and your contact details.

Choose Bike Insurance Plan: Select the type of coverage you want: Third-party bike insurance, Own damage bike insurance or Comprehensive bike insurance.

Select Add-ons: Choose different add-ons to enhance your own damage or comprehensive bike insurance coverage based on your needs.

Choose Policy Tenure: You also get the option to choose the tenure of your bike insurance policy. It ranges from one year to five years.

Review Premium: Review your premium breakup and pay the applicable amount online.

Buy Now

Why Should You Buy a Bike Insurance Online?

Convenience

Compare different bike insurance plans, check premiums, customise coverage and purchase insurance at your convenience.

24x7 Availability

You’re not restricted by office hours. Buy or renew your bike insurance anytime, any day, from anywhere.

Quick process

Buying bike insurance online is quick and simple. Just enter your bike details, select coverage, adjust IDV and pay securely in just a few clicks

Instant Policy Generation

Once the payment is completed, your policy document is generated instantly and shared digitally.

How to File a Two-Wheeler Insurance Claim Online?

Filing a two-wheeler insurance claim is quick and simple. Just follow these steps:

Inform us

Intimate ICICI Lombard about the damage, theft or loss as soon as possible after the incident. You can do this online via our website , through the IL TakeCare app, by calling the toll-free number 1800 2666 or contacting us on WhatsApp: 7738282666.

Complete Video Survey

Log into our IL TakeCare App and complete your video survey using the InstaSpect# option.

Submit Documents

Upload or submit essential documents such as your bike registration certificate (RC), driving licence, filled claim form and FIR (for theft cases).

Track Your Claim

You can check the status of your bike insurance claim on our website or WhatsApp or via the IL TakeCare app using your policy number and registered mobile number.

Note: In case of queries, read more details about how to file a claim.

Documents Required for Filing a Bike Insurance Claim

You need to submit certain documents while filing a bike insurance claim with ICICI Lombard. Submitting the right documents will make the process faster and smoother. Here’s a list of documents you will need while filling a bike insurance claim:

Identification Proofs: Certified copy of one officially valid document & PAN card/form 60.
Claim Form: A duly filled and signed claim form with NEFT mandate form/cancelled cheque.
Registration Certificate (RC): Your bike’s valid RC to confirm ownership.
Driving Licence: A copy of the licence of the rider driving at the time of the incident.
FIR/Police Report: This is mandatory for theft claims or if a third party is involved.
Repair Bills and Invoices: Original garage estimate and final repair bills.
Form 28/29/30: These are required in case of total loss or salvage situations.
No Objection Certificate (NOC): Needed if the bike is under loan or finance

Note:You can also check the full list of documents required here.

How to Renew a Two-Wheeler Insurance Policy?

You can easily renew your bike insurance online in a few clicks. Renewing your bike insurance policy on time helps you avoid any lapse in coverage and protects your accumulated NCB benefits. To renew your policy, all you need to do is:

Visit Our Website/App: Visit our website or log in to our IL TakeCare App and select the “Renew” option.

Enter Details: Fill in the required details, including your vehicle number, existing policy details, etc.

Review Coverage Details: Check your existing coverage, IDV and add-ons. Make changes if needed. Select NCB, if applicable.

Make Payment: Make the required payment online to renew your policy.

Note that you can also renew your lapsed/expired two-wheeler insurance policy online. However, you may need to complete an inspection before renewal due to a break in coverage.

Avoid fines!

Renew your bike insurance on time!

Renew Instantly

Two wheeler insurance blog articles

What is IDV and Why is it Significant for Used Two Wheelers?

This article explains IDV, its calculation, and how it affects insurance premiums, resale value and financing for used two-wheelers, helping owners set fair expectations and avoid overpaying or underinsuring.

17 Feb 2026

Common Mistakes Made While Buying Two-Wheeler Insurance

The article discusses frequent mistakes in buying two-wheeler insurance such as not declaring battery types for EVs, choosing low coverage plans, and ignoring IDV or NCB, which can affect claims and policy benefits.

16 Feb 2026

Tips to Increase the Life of Your Two-Wheeler

This article provides practical maintenance and riding tips to help prolong your bikes lifefrom oil changes to tyre careand highlights how responsible upkeep supports continued insurance coverage and riding safety.

17 Feb 2026

General
Coverage
Premium
Claims
Renewal

How to buy a bike insurance online?

It is easy to buy bike insurance online if you have your vehicle registration number. You can buy ICICI Lombard two-wheeler insurance from our website or IL TakeCare app via 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 the quote
View and download the policy instantly online.

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

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

You don’t need to provide any documents while buying bike insurance online. Just share your bike registration number, your contact details and complete your KYC. 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.

What happens if traffic police catch me without valid bike insurance?

Riding a vehicle without valid third-party insurance can attract a fine of Rs.2,000 or more as per the Motor Vehicles Act.

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.

Is bike insurance mandatory for old two-wheelers as well?

Yes, a third-party insurance is mandatory for all bikes regardless of their age.

Can I buy bike insurance for a second-hand bike?

Yes, you can buy bike insurance online for a second-hand bike after transferring ownership in your name.

Can I insure a bike registered in another state?

Yes, you can but inform the insurance company about the registration details and usage location.

Is bike insurance required if the bike is not in use?

Yes, you need at least a third-party bike insurance even if the bike is not in use.

Can bike insurance be in someone else's name?

No, the bike insurance policy should be in the registered owner’s name.

How to check bike insurance status?

You can check details about your bike insurance online via your insurer website, policy document or the VAHAN portal using registration number.

Is bike insurance transferable when ownership changes?

Yes, it is.

What happens if I ride someone else’s bike and meet with an accident?

It depends on your coverage type and whether you have a valid bike insurance policy at the time of the accident.

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

The IDV is based on your bike’s current market value after depreciation. It determines the maximum payout in case of total loss or theft.

Does bike insurance cover damages due to floods or cyclones?

Yes, own damage bike insurance and comprehensive bike insurance covers damages due to floods or cyclones.

Are accidents caused due to drunk driving covered?

No. Bike insurance does not cover accidents caused due to riding under the influence of alcohol or drugs.

Does bike insurance cover damages due to wear and tear?

No, bike insurance does not cover damages arising from normal wear and tear.

Is engine damage due to water ingress covered?

Bike insurance covers engine damage due to water ingress only if you have the Engine Protect Plus add-on.

Does bike insurance cover accidents outside my city or state?

Yes, it does.

Are tyres and tubes covered under bike insurance?

Yes, if your bike tyres and/or tubes were damaged in an accident (subject to depreciation).

Are damages caused during racing or stunts covered?

No, bike insurance does not cover damages caused during racing or stunts.

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

Policy issuance is usually instant. However, the claims TAT depend on survey assessment, documents submitted and policy terms and conditions.

In case I change my job and location, what happens to my bike insurance policy?

Your bike insurance policy remains valid, no matter where you shift in the country. Just inform us if you permanently move to another city or RTO zone.

Can I have more than one bike insurance policy for the same bike?

No, you cannot have two bike insurance policies with the same coverage type for one bike at the same time.

How is motor insurance premium calculated?

Your bike insurance premium is calculated based on your vehicle’s IDV, age, engine CC, location, NCB and add-ons.

Does the bike insurance premium increase every year?

Your bike insurance premium may change due to IDV reduction, claim history or regulatory revisions.

Does installing an anti-theft device reduce premium?

Yes, you get a discount on your bike insurance premium for installing approved anti-theft devices.

Is GST included in bike insurance premium?

Yes, an 18% GST is currently applicable on bike insurance premium.

Does modifying the bike increase premium?

Yes, certain bike modifications can increase your bike insurance premium.

Is a third-party bike insurance cheaper than comprehensive insurance?

Yes, but it offers limited coverage compared to a comprehensive bike insurance.

Is FIR mandatory for all bike insurance claims?

An FIR is mandatory for claims related to theft and major third-party injuries/damages.

Can I file an insurance claim for minor scratches or dents?

Yes, you can but it may affect your NCB.

Is there a time window for filing a claim?

It is advisable to file a bike insurance claim as soon as possible after the incident.

Can I track my bike insurance claim status online?

You can track the status of your bike insurance claim online via our website or IL TakeCare App or WhatsApp: 7738282666.

Can I claim insurance if repairs are done outside network garage?

Yes, you can file for a reimbursement. Just follow the details mentioned on our bike insurance claims page.

How many claims can I make in a year?

Typically, you can file multiple claims but frequent claims can affect your NCB and claim history.

What happens to my NCB after a claim?

Your NCB resets to zero if you make a bike insurance claim unless you have the NCB Protect add-on.

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

An insurer considers a vehicle as Constructive Total Loss when the total cost of repair or retrieval exceeds 75% of the bike’s IDV. Meanwhile, Total Loss applies when damage is beyond repair while Cash Loss refers to a negotiated settlement.

What happens if I miss my bike insurance renewal date?

Your bike insurance policy may lapse, and your bike may be required to undergo inspection before coverage is reinstated.

Is there a grace period for the bike insurance renewal?

It depends on the insurance company.

Can I renew bike insurance after a long lapse?

Yes, you can renew your bike insurance after a policy lapse subject to inspection and underwriting approval.

Is vehicle inspection required after policy expiry?

Yes, some insurers may require vehicle inspection after bike insurance expiry/lapse.

Will I lose NCB if policy lapses?

Yes, you will lose your accumulated NCB if you don’t renew your bike insurance policy on time.

Can I switch insurer while renewing bike insurance?

Yes, you can easily port your bike insurance policy to another insurer at the time of renewal.

Can I upgrade coverage during renewal?

Yes, you can modify your IDV and opt for add-ons for enhanced coverage during renewal.

Reviews and ratings

4.6
Our customers have rated us
Based on 293 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

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Two-wheeler Insurance

What is Bike Insurance?

Quick Summary

Why Do You Need Bike Insurance?

Comprehensive Protection

Legal Requirement

Personal Accident Coverage

Enhanced Coverage

Who Should Buy Two-Wheeler Insurance?

New Bike Owners

Daily Commuters

Occasional Riders

Which Types of Two-Wheelers Can Be Insured with ICICI Lombard?

Bikes

Scooters

Electric Bikes

Mopeds

What Are the Different Types of Two-Wheeler Insurance?

Third-party Two-wheeler Insurance

Own Damage Two-wheeler Insurance

Comprehensive Two-wheeler Insurance

What is Covered by ICICI Lombard Two-Wheeler Insurance?

What is Not Covered by ICICI Lombard Two-Wheeler Insurance?

Accidents

Theft

Fire

Natural Calamities

Man-made disasters

Personal Accidents

Third-party Legal Liability

Transit-related Damages

Loss/Damage Outside Geographical Area

Depreciation

Contractual Liability

Illegal Driving

War-like Situations

What Are the Key Features of Two-Wheeler Insurance?

Coverage Against Own Damages

Coverage Against Third-party Liabilities

Policy Customisation

Personal Accident Cover

Online Buying/Renewal Process

No Claim Bonus

Cashless Repairs

What are the Key Add-ons Available in Bike Insurance?

IL Smart Assist

Roadside Assistance

Zero Depreciation

Engine Protect Plus

Key Protect

Garage Cash

Return to Invoice

Tyre and Wheel RIM Protect

Consumables Cover

What is Zero Depreciation in Bike Insurance?

What is IDV in Bike Insurance?

Which Factors Impact the IDV?

Age of the Bike

Bike’s Market Value

Modifications Done

Depreciation Rates

What is NCB in Bike Insurance?

Which Factors Affect Two-Wheeler Insurance Premium?

Policy Type

Engine’s Cubic Capacity

Bike’s Age & Model

Bike Modifications

No Claim Bonus (NCB)

Add-ons

How to Calculate Two-Wheeler Insurance Premium Online?

How to Save on Bike Insurance Premium?

Bike Insurance Price for Different Two-Wheelers

How to Effectively Compare Bike Insurance Premium?

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Why Choose ICICI Lombard
Bike Insurance?

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Insurance Online?