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Get The Best Car Insurance Plans Online in India

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  • Bajaj Allianz
  • Bharti AXA
  • Cholamandalam
  • Future Generali
  • HDFC Ergo
  • ICICI Lombard
  • IFFCO Tokio
  • Liberty Videocon
  • LT Insurance
  • Magma HDI
  • National Insurance
  • New India
  • Oriental Insurance
  • Reliance General
  • Royal Sundaram
  • SBI General Insurance
  • Shriram General Insurance
  • TATA-AIG
  • United India
  • Universal Sompo General

Most Popular Policies of ICICI Lombard General Insurance

  • ICICI Lombard Car Insurance
    The Car Insurance policy offered at ICICI Lombard is highly sought after among India's car-owners for its beneficial features and unique benefits.
    Key features of car insurance policy
    • Accident coverage available
    • Roadside assistance available
    • Facility of doorstep Surveyor available
    • 8 add-on cover available
    Buy now
  • ICICI Lombard International Travel Insurance
    ICICI Lombard International Travel Insurance covers both medical and non-medical emergencies in foreign countries.The plan is available in three variants; Single Round Trip, Gold Multi Trip and Senior Citizen Policy
    Key features of international travel insurance policy
    • No medical test up to 85 years (Single Round Trip and Senior Citizen policy)
    • No Sub-limit for Schengen Countries (Single Round Trip and Senior Citizen policy)
    • Cashless facility is available worldwide for hospitalization
    • Guaranteed top-notch health care available with UHI
    Buy now
  • ICICI Lombard Critical Care
    Critical Care plan provides financial protection against income loss of policyholders.
    Key features of Critical Care Policy
    • Lump sum financial benefit available when diagnosed with any of 9 listed Critical Illnesses
    • Coverage for Permanent Total Disablement and Accidental Death available
    • Health check up not required
    • waiting period not applicable
    Buy now
  • ICICI Lombard Health Advantage Plus
    The policy covers inpatient and outpatient treatment expenses of policyholders.
    Key features of Health Advantage Plus
    • Pre-existing diseases are covered after 2 years
    • Artificial limbs and pacemaker cost covered
    • Swine Flu / H1N1 influenza treatment expenses are covered
    • OPD expenses include maternity expenses
    Buy now

ICICI Lombard Two Wheeler & Bike Insurance

Travel Quick and Risk-Free with ICICI Lombard Two Wheeler & Bike Insurance

The ICICI Lombard Two Wheeler & Bike Insurance has been specifically designed for offering people a basket full of great benefits and that too at affordable rates. The policy provides for the financial security of the owner of a two-wheeler or bike and third party legal liability. This insurance policy helps you in clearing all the losses caused due to theft or damage to the vehicle or its accessories. The policy also covers damages caused due to natural or man-made calamities like cyclone, fire, theft, riots and floods.

Main Features of Benefits

The main features and the benefits of

ICICI Lombard Two Wheeler & Bike Insurance

include:

  • You can receive an instant copy of two-wheeler and bike insurance online.
  • There are no documents required.
  • You will be eligible for a no claim bonus while renewing the policy provided you did not make claims during the previous policy period.
  • You get the option of availing cashless services at more than 1850 garages throughout India.
  • Reminders can be set for the time of policy renewal.
  • Insured gets the benefit of extending the coverage to his or her co-passenger.
  • Insured can also transfer all the NCB or No Claim Bonus benefits while shifting his or her two-wheeler and bike insurance policy from some other provider to ICICI Lombard.
  • Towing charges covered up to Rs. 1500.
  • The policy can easily be renewed online.

Additional Benefits

Additional benefits of the

ICICI Lombard Two Wheeler & Bike Insurance

policy include:

  • Members of Recognized Automobile Association get an extra 5% discount.
  • If the anti-theft equipment in your two-wheeler is ARAI approved, you can avail an added discount of 2.5%.
  • Add-on coverage for non-electrical and electrical items such as music system, fog lights and seat covers.
  • The bi-fuel system of the bike like CNG can also be covered.

The ICICI Lombard Two Wheeler & Bike Insurance Coverage

There are basic three significant insurance coverage levels in this policy. The levels have been detailed with their coverage scope below:

Name of Coverage The Advantage
01 TPL or Third Party Liability Covers the damaged caused to the insured’s property, injury or death of the insured and third party liabilities.
02 OD or Own Damage Covers the insured’s expenses of bike repair in the event of natural or man-made calamities or an accident.
03 PA or Personal Accident Provides comprehensive coverage to the bike owner including the compensation for all hospital expenses. In case of the death of the owner, compensation payment is made to the nominee. Compensation is also provided in case of permanent or total disability.

Additional Covers

  • Zero Depreciation: The insured gets full amount when a claim is made.
  • Garage Cash: The insured receives regular compensation while his or her two-wheeler undergoes repairs and replacements in the garage.
  • Personal Accident Coverage for Co-Passengers: Extension of insurance coverage for maximum Rs. 2 Lacs for pillion rider.

Calculation of Premiums

The premiums for

ICICI Lombard Two Wheeler & Bike Insurance

are calculated by making use of a very simple formula. The premium that you will have to pay will be the total of PA or Personal Accident Premium + OD or Own Damage Premium + TPL or Third Party Liability Premium. Here, it is to be noted that the IRDAI fixes the TPL rate, which is also dependent on the vehicle’s cubic capacity. The OD is generally fixed according to insurance tariff depending on IDV and the same goes for PA dependent on policy amount.

Exclusions under the Policy

The major exclusions under the

ICICI Lombard Two Wheeler & Bike Insurance

are:

  • Mechanical or electrical breakdown
  • General ageing and usual wear and tear of the two-wheeler.
  • Consequential loss
  • Los caused by depreciation
  • Any sort of contractual liability
  • Loss caused by deliberate accidents
  • Intoxicated drinking
  • Damages caused due to war, nuclear weapons and material.

Frequently Asked Questions

  • How to apply for ICICI Lombard Two Wheeler & Bike Insurance?

    Individuals can apply for this insurance plan by visiting the ICICI Lombard official website. Calls can be requested online for getting the details of the application procedure.

  • How to make the payments for the premiums?

    Premium payments for ICICI Lombard Two Wheeler & Bike Insurance can be made using net banking, credit card, cash card, debit card and cheque or demand draft.