ICICI Lombard Two-Wheeler Insurance

Key features

• ✓Instant online policy issuance and renewal
• ✓Self-inspection via mobile app for break-in renewals
• ✓InstaSpect video-based claim survey
• ✓Comprehensive and standalone TP policies available
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓Wide cashless garage network across India
• ✓NCB up to 50%
• ✓Multiple add-on options including Zero Dep and Engine Protect

What’s included

• ✓Own damage from accidents
• ✓Theft, burglary, housebreaking
• ✓Fire, explosion, self-ignition
• ✓Natural disasters (flood, earthquake, cyclone, landslide)
• ✓Man-made events (riot, strike, terrorism, malicious damage)
• ✓Third-party liability — bodily injury and death
• ✓Third-party property damage
• ✓Transit damage (rail, road, air, water)

What’s excluded

• ✕Normal wear and tear, depreciation
• ✕Mechanical or electrical breakdown
• ✕Driving under influence of intoxicants
• ✕Driving without valid driving licence
• ✕Consequential losses
• ✕Damage outside India
• ✕Vehicle used contrary to declared purpose

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered