Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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ICICI Lombard Bike Insurance

What is a two wheeler insurance policy?

A two wheeler insurance policy protects your bike or scooter against any damages caused due to road accidents, natural disaster, and theft or loss. A bike insurance policy covers damages to your two wheeler and legal liability towards third party. With us, you can secure your bike at affordable rates.

Why should you buy a two wheeler insurance online from ICICI Lombard?

We facilitate easy claim settlement through robust claim support.


Instantly issues policy online

Our simplified processes help you get two wheeler insurance policy instantly. Fill in the basic details of your bike or scooter, select the coverage options, choose your method of payment, and it’s done!


Facilitates instant two wheeler insurance renewal online

You can renew your bike insurance policy online without any inspection or extra charges. Enter your previous policy details and renew your plan instantly. An inspection may be required for a break-in renewal.


Offers no claim bonus

You can avail a No Claim Bonus (NCB) on your two wheeler insurance if you haven’t made any claims or transferred your vehicle during the previous policy period. However, make sure you renew it within 90 days from its date of expiry. You can also transfer your NCB from the previous service provider to us.


Provides personal accident coverage

We offer personal accident cover for the registered owner-driver and the co-passengers under our two wheeler insurance policy. A cover of ₹15 lakh is provided to the owner-driver and an optional cover up to ₹2 lakh for co-passengers is available at an extra premium.


Covers accessories

ICICI Lombard provides cover for high-end electrical and non-electrical accessories (such as spoilers, music system, alloy wheels, etc.) of your two wheeler at a little extra premium.


Provides 24x7 claim assistance

We provide 24x7 claim assistance so that your claims are settled fast. You can reach us round the clock at 1800 2666.

What are the different types of two wheeler insurance policies?

Learn more about the different types of two wheeler policies in the market.

Two wheeler vehicle package policy

This two wheeler insurance plan protects the owner from the costs incurred in accidental damages to a third party and to own vehicle. It covers the damages caused by fire, theft, and natural disasters.

Two wheeler vehicle liability policy

This type of insurance policy covers the owner against legal liabilities arising out of an accident. Under this type of two wheeler insurance policy, if your bike causes injuries to a third party or damages surrounding property, then your insurer will take care of the expenses.

Stand-alone own-damage two wheeler insurance

Our stand-alone own-damage two wheeler insurance plan covers the damages to your bike or scooter caused by natural disasters like earthquake, flood, cyclone, landslide, etc. or man-made disasters like theft, burglary, riot, strike, etc.

What is covered by ICICI Lombard two wheeler insurance policy?

Learn about your two wheeler insurance policy coverage in one glance.

  • Inclusions
  • Exclusions
  • Loss or damage to your two wheeler due to natural disasters

    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Loss or harm to your two wheeler against man-made disasters

    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

    ₹15 lakh cover for the registered owner-driver of the bike or scooter while travelling in, getting on or off the two wheeler. You can also buy optional personal accident cover for co-passengers by paying extra premium.
  • Third party legal liability

    Protection against legal liability due to accidental damages resulting in the injury or death of a person, and damage caused to the surrounding property.
  • Wear & tear and ageing of the bike or scooter.
  • Depreciation or any consequential loss.
  • Harm to/by a person driving the two wheeler under the influence of drugs or liquor.
  • Vehicles being used otherwise than in accordance with limitations as to use.
  • Wear & tear of consumables like tyres and tubes unless the vehicle is damaged in an accident, in which case we cover up to 50% of the replacement cost.
  • Mechanical/electrical breakdown.
  • Loss/damage due to war, mutiny or nuclear risk.
Two Wheeler Insurance Claims

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ICICI Lombard two wheeler insurance plan add-on benefits

Choose from a wide range of add-ons when buying ICICI Lombard two wheeler insurance plan online.

Roadside assistance cover

There can’t be a better way to stay prepared for an untimely breakdown or an accident in the middle of nowhere than with our roadside assistance cover. When your bike or scooter breaks down or meets with an accident, the roadside assistance add-on can cover you for battery jump-start, towing facility, flat tyre or minor repairs assistance, hotel stay or even a cab ride.

Zero depreciation cover

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. But, if you have opted for this add-on you’ll get a higher claim amount because it brings down the depreciation to zero.

For detailed terms & conditions of above covers, read two wheeler vehicle package policy wordings.

IDV in Two Wheeler Insurance

What impacts the Insured's Declared
Value (IDV)?

IDV helps in calculating the premium of your two wheeler insurance policy. Each two wheeler is insured at a fixed amount which is termed as the Insured’s Declared Value (IDV). This sum insured as part of the two wheeler insurance is calculated based on several factors. Here’s how it works:

IDV is calculated based on manufacturer's listed selling price of the two wheeler (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 two wheeler 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.

Compare ICICI Lombard two wheeler insurance plans

See which plan works for you!

Coverage and benefits Two wheeler vehicle package policy Stand-alone own-damage two wheeler Insurance Third party two wheeler vehicle liability only policy
Damage to own vehicle
NCB: Up to 50% bonus for not claiming in previous policy year
Add-ons at additional cost
Damage to surrounding property
Third party’s death or injury
₹15 lakh personal accident coverage for the registered owner-driver
Cashless claim settlement at network garages
Digital inspection on the Insure app using Instaspect
ICICI Lombard Cashless Garage

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cashless garage

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9600+ cashless garages*

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If you are an existing policyholder of erstwhile Bharti AXA General Insurance,
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*As of FY 2020-21

Get answers to common questions about two wheeler insurance policy

  • General
  • Cover
  • Premium
  • Claims
  • Policy

What are the benefits of buying two wheeler insurance online?

When you buy two wheeler insurance online, you get an instant policy in a contactless way, as there is no documentation or paperwork involved. Also, you get the advantage of choosing from multiple payment options, e.g. Credit Card (Visa, Master Amex card), Net banking, Debit Card etc.

What is long term two wheeler insurance?

The Insurance Regulatory and Development Authority of India (IRDAI) has introduced a long term insurance policy for two wheelers. Thus, you don’t have to go for two wheeler insurance renewal online every year. Instead, you can opt for a long term two wheeler 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.

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

Under the Motor Vehicles Act, third party two wheeler insurance is mandatory for every vehicle on the road. Third party liability covers:

  • Legal liability due to injury and/or death of a third party due to an accident.
  • Legal liability due to damage to surrounding property.

What is the penalty that I may incur if my two wheeler is uninsured?

As per Section 197 of the Motor Vehicles Act, 1988, if you are caught driving without insurance, you will be charged ₹2000 fine the first time and ₹4000 subsequently.

Can I renew my two wheeler insurance policy online?

Yes, you can renew your two wheeler insurance policy online, starting 60 days before the expiry of your existing policy and within 90 days from the date of expiry of your previous policy.

Which events are covered in ICICI Lombard two wheeler insurance policy?

The ICICI Lombard two wheeler insurance policy is a package vehicle insurance cover, which offers you coverage for:

  • Any loss or damage to your vehicle.
  • Third party liability.
  • Any permanent injury or 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 registered owner-driver of the two wheeler 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.

What is a personal accident insurance cover?

Personal accident insurance covers death or disability caused due to an unfortunate accident. The motor insurance policy essentially has a personal accident cover for the registered owner-driver, as per tariff. For a person other than the registered 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.

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
  • Deliberate accidental loss
  • Wear and tear, ageing of two wheeler
  • Intoxicated driving
  • Consequential loss*
  • Any contractual liability
  • Depreciation
  • Damage to/by a person driving any two wheeler 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 the office for an important meeting with a client. Unfortunately, his two wheeler met with a road accident resulting in damages to the two wheeler, and it consumed a lot of his time. Due to this, he could not attend the meeting resulting in loss of approximately ₹15 lakh. Damages to the two wheeler due to the accident are covered, however, the loss of ₹15 lakh is consequential and hence not covered.

What is third party liability cover and what is covered under it?

A two wheeler third party 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 or death to a person caused by your two wheeler.
  • Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.
  • Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered up to ₹7.5 lakh in case of private car and ₹1 lakh in case of a two wheeler.

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 duly certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium, subject to a maximum of ₹500.

What are the factors affecting the two wheeler insurance premium amount?

The bike insurance premium payable for your two wheeler depends on the following factors:

  • The cubic capacity of the engine
  • Age of two wheeler
  • Geographical zone
  • Type of model
  • IDV (Insured Declared Value)

What are the different modes of payment on

You can choose between 5 payment options to pay your two wheeler insurance 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 bike 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.

How do I register my claim?

Contact our toll-free helpline 1800 2666 to register your claim and get a claim number or reference number. You can also intimate your claim online using our Insure app.

Download our claim form by clicking here.

When should I report to the police?

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

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 two wheeler is repaired in a garage falling within our network. However, if the two wheeler 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.

What is a cashless claim and a non-cashless or reimbursement claim?

Cashless claim - In cashless claim facility, insurer liability of the repair charges of the two wheeler are directly paid to the garage by us, provided the two wheeler is repaired in our garage network. You can collect your two wheeler by paying only the remainder of the invoice amount.

Non-cashless or reimbursement claim - If the two wheeler is repaired in a garage outside the purview of our network, then you will be required to pay the invoice amount to the garage for collection of the two wheeler. You can get your claim amount reimbursed by submitting an original invoice and payment receipts to our office.

Note: for both cashless and non-cashless settlement an initial inspection of two wheeler before repair initiation is required.

How can I make changes to the policy?

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. In order to make an endorsement, you can call our customer support on 1800 2666.

An endorsement can be of two types, i.e. premium bearing and non-premium bearing.

What is a premium bearing endorsement?

A premium bearing endorsement is an endorsement for which additional premium is charged. Some of the examples are:

  • Transfer of ownership
  • Change of RTO location

What is a non-premium bearing endorsement?

A non-premium bearing endorsement is an endorsement for which you are not charged any additional premium. Some of the examples are:

  • Rectification in contact details
  • Rectification in engine or chassis number
  • Addition of hypothecation

Reviews and ratings

Product Product Code UIN no.
Two wheeler vehicle package policy 3005 IRDAN115RP0015V03201415

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