ICICI Lombard Two Wheeler Insurance Online Renewal

ICICI Lombard General Insurance Company Limited is a joint venture between India’s second largest bank ICICI Bank Limited and Fairfax Financial Holdings Limited. Lombard Canada Ltd. is one of the group companies of Fairfax Financial Holdings Limited. The company offers a range of insurance products benchmarked with international standard of service.

ICICI Lombard Two-Wheeler Insurance Overview

ICICI Lombard Two-Wheeler Insurance – An Overview
Add-On Covers
  • Garage Cash
  • NCB Protect
  • Roadside Assistance
  • Zero Depreciation
Incurred Claim Ratio 77.44%
Inclusions Covers any loss or damage to the vehicle due to both natural and man-made calamities.
  • Any consequential loss
  • Loss due to wear and tear
  • Driving under the influence of alcohol or any drugs
  • Mechanical breakdown of the vehicle
  • Depreciation
  • Damages incurred due to war or nuclear weapons
Cashless Network Garages More than 5,600 network garages available
Third-Party Cover Provides cover for any legal liability because of accidental damage.
Bonus / Discounts
  • No-Claim Bonus
  • Opting for Voluntary Excess
  • Discounts are offered for members of the Automobile Association of India
Personal Accident Coverage Offers Personal Accident Cover for vehicle owners at the time of driving. There is an option to choose personal accident covers for passengers as well.
Policy Term 1 year to 3 years

Key Features of ICICI Lombard Two Wheeler Insurance Policy

  • Availability of tenure options of 1, 2, and 3 years.
  • A single policy certificate can be availed which is valid for 3 years.
  • A network of over 2150 network garages across India.
  • Add-on covers to secure electrical and non-electrical accessories available.
  • Inbuilt personal accident cover with an option to purchase an add-on cover for protection of co-passenger.
  • No vehicle inspection required.
  • Immediate issuance of policy document.
  • Renewal reminder can be set to receive time-to-time policy renewal reminders.
  • No Claim Bonus from any other insurer can be transferred to ICICI Lombard Two Wheeler Insurance.
  • 5% discount for members of any recognised automobile association.
  • 2.5% discount on installing ARAI approved anti-theft device in the vehicle.

Benefits of ICICI Lombard Two Wheeler Insurance

It is mandatory to have a motor insurance for riding bikes in India. ICICI Lombard Two-Wheeler Insurance offers several features and benefits. The company offers both a liability only policy and a comprehensive insurance policy. Some of the important benefits offered by ICICI Lombard Two-Wheeler Insurance have been listed below.

Coverage Offered Under ICICI Lombard Two-Wheeler Insurance Policy

Loss or Damage Caused to the Vehicle Due To Natural Calamities: The policy covers the insured against loss or damage caused to the vehicle due to fire, lightning, explosion, flood, hurricane, typhoon, cyclones, hailstorm, tempest, inundation, landslides, and other natural disasters.

Loss or Damage to the Vehicle Due To Man-Made Calamities: The comprehensive insurance policy offered by ICICI Lombard covers the insured vehicle against any man-made calamities such as theft, riot, strike, malicious acts, terrorist activity, and more.

Personal Accident Cover: A coverage of Rs.1 lakh is provided under the policy for the driver of the vehicle for any accident while mounting on the vehicle, driving the vehicle, or dismounting from the vehicle.

Third-Party Liability: The motor insurance policy provides protection against financial and legal liabilities resulting from loss or damage caused to a third person or their belongings.

Exclusions Under ICICI Lombard Two-Wheeler Insurance Policy

The following things are not covered under the motor insurance policy offered by ICICI Lombard:

  • Depreciation in the value of the vehicle due to normal ageing.
  • Mechanical and electrical failures.
  • Loss or damage by a person driving the vehicle under the influence of any intoxicating substance such as alcohol or drugs.
  • Loss or damage to the vehicle when the person driving the vehicle does not hold a valid driving license.
  • Vehicles being used against the terms of use as stated in the policy.
  • Wear and tear of the consumables.

ICICI Lombard Two Wheeler Insurance Claim Process

In case of an accident or a vehicle breakdown, the insurance company provides the needed assistance to get the vehicle back to a normal state. The policyholders can also avail cashless repair facility to repair the insured vehicle. In case the vehicle is repaired in a non-network garage, the reimbursement can be claimed for the cost of repair from the insurance company.

The claims can be registered and tracked online using the ‘Lodge a Motor Claim’ service on the official website. However, the service only handles accidental claims as of now.

Claim Process For Accident/Breakdown

In case of an accident, follow the below-stated steps to register your claim:

  • Take note of the vehicle details of any other vehicle involved in the accident.
  • Note down the contact details of the witnesses if any.
  • Call on the toll-free number of ICICI Lombard, share the details of the accident, and get the claim registration number from the claim executive.
  • The claim executive will also provide details of the documents that need to be submitted to process the claims.
  • File an FIR at your nearest police station in case of theft, major damages, or bodily injury.

Settlement of Claims

  • After registering the claim, the Customer Service Manager (CSM) will get in touch with you within one day of making a claim.
  • Submit the required documents to the insurance company and get them verified with the original documents.
  • After assessment, the CSM will get an estimate of the repairs needed and will approve the same.
  • In case of repairs done at the cashless garage, the insurance company will settle the payment with the network garage.
  • The CSM will ask you for any additional payments that need to be made by you.

Documents Required For Claim Settlement

Documents Required for Accident Claims

  • Duly signed claim form
  • Copy of vehicle Registration Certificate
  • Copy of Driving License
  • Copy of insurance policy
  • Police FIR (Based on case)
  • Original estimate of repairs
  • Repair Invoice and Payment Receipt (only repair invoice for cashless garage)
  • Company seal required for company registered vehicle

Documents Required for Making Theft Claims

  • Copy of vehicle Registration Certificate
  • Copy of Driving License
  • Copy of insurance policy
  • Police FIR (Based on case)
  • Original Estimate
  • Duly signed RTO transfer papers
  • Duly filled Form 28 (3 copies), 29 (2 copies), 30 (2 copies) and 35 (if hypothecated)
  • No Trace Report from the police
  • Company seal required for company registered vehicle

Documents Required for Third-Party Claims

  • Duly filled claim form
  • Copy of vehicle Registration Certificate
  • Copy of Driving License
  • Copy of insurance policy
  • Police FIR (Based on case)
  • Company seal required for company registered vehicle

How to Buy/Renew ICICI Lombard Two-Wheeler Insurance Policy Online

You can easily buy ICICI Lombard bike Insurance Policy online through the official website of the insurer. All you need to do is fill in the important details about your vehicle along with your contact details, calculate the premium for the policy, and make the payment online through any of the online payment mechanisms available on the website. In the same way, you may also renew your existing bike insurance policy with ICICI Lombard two-wheeler insurance policy.

ICICI Lombard Customer Care Details

In case of queries and concerns that need immediate attention, you may visit the registered office of ICICI Lombard General Insurance Company at the below address:

Customer Support

ICICI Lombard General Insurance Co. Ltd.

401-402, Interface Bldg; No.11,

New Link Road, Malad (West),

Mumbai - 400064.

ICICI Lombard Customer Care Email Address

To get assistance through email, write to the following email address with your queries and concerns:


ICICI Lombard Toll-Free Contact Number

You may get in touch with ICICI customer support team by calling on the below-mentioned toll-free number:

Toll Free: 1800 2666

Alternate Contact No. 86 55 222 666 (Chargeable)

ICICI Two Wheeler Insurance Frequently Asked Questions:

  1. How do I apply for ICICI Lombard two wheeler insurance?

    You can apply for ICICI Lombard two wheeler insurance on the ICICI Lombard website. You can also call them or request a call from them online to know more details and apply.

  2. What are the exclusions under the ICICI Lombard two wheeler insurance?

    • Electrical/Mechanical breakdown
    • Intoxicated driving
    • Normal wear and tear and general ageing of the vehicle.
    • Deliberate accidental loss
    • Any contractual liability
    • Depreciation or any consequential loss.
    • Damages due to nuclear weapons material or war
  3. How do I know which garages are eligible for cashless service?

    You can log on to the ICICI Lombard website. Under two wheeler insurance, there is a link available to search for garages near you. Simply enter details of your state and city, and the manufacturer, and it will generate a list of preferred garages. You can also call customer service to find out details of garages near you.

  4. How can I find out the status of my insurance claim?

    You can track your insurance claim online. You can directly register and track your claim on the ICICI Lodge a Motor Claim service. You could also call customer care.

  5. What man-made calamities are covered by ICICI Lombard?

    Man-made calamities means any damages caused by deliberate or accidental actions of man such as theft, vandalism, malicious act, strikes or riots, terrorist activity, accident by external means, any damage in transit by rail, road,inland waterway, elevator, lift, or air, etc.

  6. What natural calamities are covered by ICICI Lombard?

    Natural calamities are events that occur out of the control of man, such as fires and explosions, self-ignition or lightning, flood, cyclone, typhoon, hurricane, storm, hailstorm, frost, earthquake, landslide, rockslide, etc.

  7. How can I make premium payments?

    You can make payments through any one of the following six options:

    • Credit Card
    • Net Banking
    • Debit Card
    • Cash Card
    • Cheque/ Demand Draft
  8. What are the advantages of purchasing a bike insurance policy online?

    When you purchase a bike insurance policy online, you get access to the policy document immediately. Also, there is minimum paperwork involved which saves considerable time.

  9. Does ICICI Lombard provide long-term motor insurance policy as well?

    Yes, you may buy a long term bike insurance policy for a period of 2 years or 3 years. The long-term policy is free from rise in premium rates every year due to inflation. Also, there are no hassles of policy renewal every year.

  10. How can I register an insurance claim?

    You may call on the toll-free number 18002666 to register an insurance claim. The claims can be registered online using ‘Lodge A Motor Claim’ service.


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News About ICICI Lombard Two Wheeler Insurance

  • Sales Report of Two-Wheelers in December 2016

    Due to the lack of cash flow that’s been caused by demonetisation, a lot of markets, including the two-wheeler market, has been affected. Yamaha has reported a steady growth in sales selling 49,775 units in December recording 32% increase in growth rate. Royal Enfield has seen an increase of 41% in growth that was reported in December 2016 with 56,316 units being sold in the same month. TVS Motor has recorded a 7.5% decline in sales selling 179,508 units in December 2016. Bajaj Auto was a witness to the 18% decline in sales in December 2016 selling 2,03,312 units. Honda Motorcycle and Scooter India reported a 66% increase in exports but sales observed a 20.3% decline selling 2,31,654 units in December. Hero MotoCorp documented a growth of 4.3% in 2016 but saw a decline in the number of units sold in December, selling 3,30,202 units recording a 33.9% drop in sales.

    19 January 2017

  • Royal Enfield reports 42% jump in its sales in December 2016

    With an increase in exports of about 160% in December 2016 compared to last year's sales, Eicher Motors anticipates an increase in the demand for the cruiser bikes. Approximately 57,398 units were sold in December 2016 alone, compared to the 40,453 units sold in the same month the previous year. With Eicher’s line of cruiser bikes growing more popular day by day, total exports have also soared to 78% during April-December with 10,545 units being sold outside the country. Those planning to book a Royal Enfield anytime soon can start looking for the best two-wheeler insurance available in the market online.

    11 January 2017

  • Hero MotoCorp won NDTV’s 2017 Two Wheeler Manufacturer of the Year award

    NDTV’s 2017 Two Wheeler Manufacturer of the Year award was awarded to Hero MotoCorp for its exceptional R&D, innovative product development, and excellent performance in the bike segment. It holds 52% market share in India, with a capacity to manufacture 8.1 million bikes per year. In the 2nd quarter of this fiscal year, Hero MotoCorp sold 18,23,498 units with a Rs.8,448.74 crore gross turnover. Case in point, since its launch in 1994, the Hero Splendor sells more than 10 lakh units a year. In order to improve fuel efficiency when stranded in traffic, Hero has upgraded the Splendor models, the Hero Achiever, and the Passion Pro with a start-stop system. In 2017, Hero MotoCorp plans to launch 15 new bikes across the several two wheeler categories.

    10 January 2017

  • Top 5 bikes that debuted in 2016

    The Yamaha YZF-R1, Kawasaki ZX-10R, 2017 Suzuki SV650, 2017 Kawasaki Z125 Pro, and 2016 Yamaha XSR900 are the top 5 bikes that made its debut in 2016. Popular for its superior ride, Yamaha YZF-R1 remains at the top spot. Kawasaki ZX-10R, a new entry in the Ninja sport bike series, has a 998 cc (60.9 cu in) liquid-cooled 4-stroke 16-valve DOHC inline-four. The 2017 Suzuki SV650 features the new one-push easy-start system, has an automatic idle speed control, and a new Low-Rpm assist feature. The 2017 Kawasaki Z125 Pro has a four-stroke, single-cylinder 125cc engine with a 24mm throttle body. The Z125 PRO has a four-speed manual transmission with a manual clutch, and a traditional clutch lever. Lastly, 2016 Yamaha XSR900 falls under the Sport Heritage class. It is powered by an 847cc Crossplane Crankshaft Concept inline triple engine.

    5 January 2017

  • Honda Navi wins the 2017 Mini Bike of the year award

    The Car and Bike Awards 2017 introduced a new category called the Mini Bike of the year award. The Honda Navi won the award along with the NDTV CNB Two Wheeler of the Year award, and Design of the Year (Two Wheeler) award. Honda’s PR team was also awarded the Best PR and Communications Team of the Year award as a result of their efforts surrounding the Honda Navi campaign. A cross between a scooter and a motorcycle, the Navi can seat 2 adults, easily. The bike can be customized with various accessories. The mini bike has a telescopic front fork, 12-inch wheels, and a lighter handlebar, making it more agile. It weighs 7 kg less than the Honda Activa. The Navi sports the same 110CC engine as that of the Honda Activa. It, therefore, produces the same torque, 9Nm at 5,500rpm, and power, 8bhp at 7,000rpm, as the Activa. The Honda Navi is priced at Rs.39,648. Honda has sold over 50,000 units of Navi as of November, 2016.

    3 January 2017

  • Honda Navi bags NDTV’s two-wheeler design of the year 2017

    When Honda rolled out its latest “scooter” - Honda Navi, you had to take a second look at it to determine whether it was a bike, a scooter or just a regular electric bike. Well, it grabbed out attention and that of the media, and has eventually won the best design for the year 2017 at the NDTV awards. Designed by the local Honda team and not in Japan, Navi has drawn quite an amount of attention in the short span of it been launched into the market. Possibly, their selling point was with the fact that you can customize your vehicle. According to Honda, 70% of the scooters that they have sold have been customized to suit the likes of each owner. Now that’s one heck of a publicity move.

    3 January 2017

  • Two off-roading bikes, Kawasaki KX100 and KX250F launched in India

    Kawasaki launched KX100 and KX250F, 2 dedicated off-roading bikes in India. The KX100 and KX250F are priced at Rs.4.68 lakhs and Rs.7.14 lakhs, respectively. Both these bikes have been designed for off-road use and motocross races specifically. Kawasaki KX100 has a 99cc, two-stroke, single-cylinder, water-cooled engine, and mated to a 6-speed gearbox. It is equipped with a 36mm inverted telescopic fork with 20-way compression damping at the front, and a Uni-Trak monoshock with 24-way compression, and 21-way rebound damping at the rear.

    KX250F is powered by a 249cc, four-stroke, single-cylinder, water-cooled engine, and mated to a 5-speed gearbox. Suspension duties are handled by a 48mm inverted Showa telescopic fork at the front, which comes with 40-way spring preload adjustability, and 22-position compression, and 20-position rebound damping adjustability. The rear is suspended on a Showa monoshock with 19-position low speed, and 4-turns high-speed compression damping, along with 22-position rebound damping.

    1 January 2016

  • 2016 New York Motorcycle Show displayed some of the coolest bikes and gears

    The 2016 New York Motorcycle Show, held at the Javits Centre on the West Side of Manhattan, showcased some of the coolest bikes, and riding gears in the industry. The exhibit proved that some two-wheelers are better than four-wheelers. The two-wheeler collection included BMW S 1000 XR, Indian, Harley-Davidson, Roadmaster, Chieftain, Victory, and Polaris. The Indian was one of the many vintage bikes around, with fat leather seats, and saddlebags. The Chieftain has a full-on infotainment system, while the Roadmaster is maximized for freeway cruising in comfort. To up the ante, three-wheelers were also displayed. It included the Slingshot, and Can-Am Spyder.

    28 December 2016

  • More than half the households in India owns a two-wheeler

    According to the 2016 ICE 360° survey, 1 in 3 households in India owns a two-wheeler. The survey was conducted by PRICE, headed by consumer economy experts, Rama Bijapurkar, and Rajesh Shukla. The ICE 360° survey covered 61,000 households, of which 59% are urban households. As per the survey data, the proportion of car-owning households in the country is 11%, while two-wheeler is 36%, and bicycle is 58%. Urban India is divided into 4 clusters; metros (population more than 5 million), boomtowns (2.5 to 5 million), niche cities (1 to 2.5 million), and other urban towns (less than 1 million). More than half the households in developed rural areas, and metros own a two-wheeler. 33% Indians use two-wheelers to reach work, 31% use bicycles, 14% use public buses, and 3% use a local train or metro.

    27 December 2016

  • M&M proceeds with demerger of the two-wheeler undertaking of MTWL

    The Mahindra & Mahindra board has approved the demerger of the two-wheeler undertaking of Mahindra Two Wheelers Ltd. All liabilities and assets associated with the two-wheeler undertaking of MTWL will be shifted to M&M. The demerger will ensure that there is more focus on the premium two-wheeler segment, and this segment will benefit greatly from the design and sourcing capabilities of the company.

    M&M is active in many sections of the automotive industry, including passenger, commercial, and utility vehicles such as buses, trucks, and three-wheelers. The demerger will also enable M&M and MTWL achieve their targets in a timely and cost-effective manner.

    8 December 2016

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