Paul Sanchez
ICICI Lombard offers two types of two-wheeler insurance policies: a liability-only policy and a comprehensive insurance policy. The company provides several benefits, including a No Claim Bonus (NCB) and a discount for installing an ARAI-approved anti-theft device. In addition, ICICI Lombard offers add-on covers such as Roadside Assistance and Garage Cash. You can easily purchase or renew your ICICI Lombard two-wheeler insurance policy online by providing vehicle and contact details, calculating the premium, and making the payment. This article will guide you through the process of checking the status of your ICICI Lombard two-wheeler insurance policy, ensuring you understand your coverage, exclusions, and claim process.
| Characteristics | Values |
|---|---|
| Company | ICICI Lombard |
| Vehicle Type | Two-wheeler |
| Policy Details | Coverage, exclusions, claim process, add-ons |
| Policy Types | Liability-only, Comprehensive |
| Natural Calamities Covered | Fire, lightning, explosion, flood, hurricane, typhoon, cyclones, hailstorm, tempest, inundation, landslides |
| Man-Made Calamities Covered | Comprehensive policy covers loss or damage |
| No Claim Bonus (NCB) | Discounts of 20%-50% for each year without a claim |
| NCB Add-on | Keep NCB discount even with a claim within the policy year (up to 3 claims) |
| Garage Cash Add-on | Rs.500 daily allowance for up to 14 days when the vehicle is in repair |
| Roadside Assistance Add-on | Assistance for breakdowns, technical issues, minor repairs, fuel, towing, lodging, hospital referrals |
| Discounts | 5% for members of recognized automobile associations, 2.5% for ARAI-approved anti-theft devices |
| Purchase/Renewal | Online through the official website |
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What You'll Learn
Policy details and coverage
To check your two-wheeler insurance status with ICICI Lombard, you can follow these simple steps to access your policy details and coverage:
Visit the ICICI Lombard Official Website:
Begin by accessing the ICICI Lombard website. On the homepage, you will find a 'Login' option on the top right corner. Click on it, and a drop-down menu will appear. Select the 'Customer Login' option, which will direct you to the login page.
Login to Your Account:
On the login page, enter your registered mobile number or email address and your password. If you have forgotten your password, you can reset it by clicking on the 'Forgot Password' link and following the instructions. Once you have successfully logged in, you will gain access to your account dashboard.
Navigate to the 'My Policies' Section:
On your account dashboard, look for a section or tab labeled 'My Policies'. Click on this tab to access a list of all the active policies you hold with ICICI Lombard, including your two-wheeler insurance policy. Here, you will be able to view essential details such as the policy number, vehicle details, policy term, and payment status.
Understand Your Policy Coverage:
To understand the coverage of your two-wheeler insurance policy, click on the specific policy from the 'My Policies' list. This will open up the policy details, including the type of coverage you have opted for, the insured declared value (IDV), and the premium amount. Here's a breakdown of the coverage aspects:
- Own Damage Cover: This covers the cost of repairs or replacement of your two-wheeler in case of accidents, fires, explosions, or other insured events. It also includes coverage for natural calamities like floods, earthquakes, and storms, as well as man-made disasters like riots and strikes.
- Third-party Liability Cover: This is a mandatory cover that protects you against legal liability arising from injury or death to a third party and/or damage to their property caused by your two-wheeler. The coverage limit for third-party property damage is limited to INR 1,000,000, while there is no limit on the liability for third-party injury or death.
- Personal Accident Cover: This provides financial protection in case of accidental death or permanent total/partial disability of the insured while riding the two-wheeler. The standard cover provides a sum insured of INR 15,00,000, but you can opt for a higher sum insured at an additional premium.
- Add-on Covers: Depending on your chosen plan, you may have additional covers, such as roadside assistance, which provides services like towing, minor on-site repairs, and fuel delivery; a daily allowance benefit, which provides a fixed amount per day for alternative transportation if your two-wheeler is undergoing repairs following an accident; and a consumables cover, which reimburses the cost of consumables like engine oil, nuts, and bolts used during repairs.
Check Policy Status and Download Policy Documents:
Once you have accessed your policy details, you can check the current status of your policy. It will indicate whether your policy is active, expired, or due for renewal. From here, you can also download a copy of your policy document, which outlines the terms and conditions of your coverage, exclusions, and the process for making a claim.
Remember to keep your login credentials secure but easily accessible for future reference, as you may need to log in to your account to make changes to your policy, initiate a renewal, or file a claim.
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Discounts and add-ons
ICICI Lombard two-wheeler insurance is one of the most preferred insurance plans among policyholders. The company offers a two-wheeler insurance policy package, standalone own-damage two-wheeler insurance, and a two-wheeler vehicle liability policy under the motor insurance banner.
Discounts
ICICI Lombard offers a No Claim Bonus (NCB) feature that provides discounts on the insurance policy's premium if no claim is made during the policy period. This discount starts at 20% and can go up to 50% with each consecutive claim-free year. The insurer also offers a 5% discount for members of any recognised automobile association and a 2.5% discount on the installation of an ARAI-approved anti-theft device in the insured two-wheeler.
Add-ons
ICICI Lombard offers a range of add-ons that can be included in the bike insurance policy by paying an additional premium. These add-ons enhance the policy coverage, providing better protection for your two-wheeler. Here are some of the unique add-ons offered:
- Co-passenger cover: While the owner-driver is insured under the basic plan, the co-passenger can be protected through this add-on cover.
- Electrical and non-electrical two-wheeler parts cover: This add-on insures electrical and non-electrical parts of two-wheelers, providing coverage for repair or replacement expenses.
- Seat cover: This add-on reimburses the cost of replacement for the seat and its cover if damaged due to an unexpected event.
- Lights cover: This add-on covers the expenses incurred towards the repair and replacement of lights and light-related parts.
- Bi-fuel cover: This add-on is designed to protect the insured two-wheeler's bi-fuel kit from any damage.
- Roadside Assistance (RSA): This add-on provides assistance if your bike breaks down or faces a technical issue at any time and in any location, offering services such as minor repairs, fuel arrangements, towing services, lodging arrangements, and hospital referrals.
- Garage Cash: The Garage Cash add-on provides a daily allowance of Rs. 500 for up to 14 days when your two-wheeler is being repaired in a garage due to loss or damage.
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Natural and man-made calamities
In India, it is mandatory to have motor insurance for riding bikes. ICICI Lombard Two-Wheeler Insurance offers a comprehensive insurance policy that covers both natural and man-made calamities.
Natural Calamities
ICICI Lombard's comprehensive insurance policy covers loss or damage caused to the insured vehicle due to natural disasters such as fire, lightning, explosion, flood, hurricane, typhoon, cyclones, hailstorm, tempest, inundation, landslides, and other natural disasters.
Man-Made Calamities
The comprehensive insurance policy also covers loss or damage caused by man-made calamities, including theft, riot, strike, malicious acts, terrorist activity, accident by external means, and damage in transit by rail, road, inland waterway, elevator, lift, or air.
To make a claim on your ICICI Lombard two-wheeler insurance policy, you can either track your insurance claim online through the ICICI Lodge a Motor Claim service or call their customer care. In the case of theft, major damages, or bodily injury, you will need to file an FIR at your nearest police station. The Customer Service Manager will then get in touch with you within one day of making a claim and guide you through the process of submitting the required documents.
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Buying and renewing
When you purchase a two-wheeler insurance policy from ICICI Lombard, you will receive a physical copy of your policy document. This document contains all the relevant details about your insurance coverage, including your policy number, vehicle details, the period of insurance, and the type of plan you have chosen. It is important to keep this document safe, as it will be required in case you need to make a claim or check the status of your insurance policy.
Additionally, when you buy or renew your two-wheeler insurance policy online through the ICICI Lombard website or mobile app, you will also be able to access your policy details digitally. After purchasing or renewing your policy, you can log in to your account on the ICICI Lombard website or app using your credentials. From there, you can view and download your policy document, which will contain all the necessary information about your insurance coverage.
To renew your two-wheeler insurance policy with ICICI Lombard, you can choose to do so online or offline. For online renewal, simply log in to your account on the ICICI Lombard website or mobile app and follow the renewal process. You will need to provide your policy details and vehicle information, and then make the payment using a credit or debit card, net banking, or other available payment methods. Once the renewal is successful, you will receive a confirmation, and your new policy document will be available for download.
If you prefer an offline renewal, you can visit one of the ICICI Lombard branches or connect with an agent. They will guide you through the renewal process and assist you in making the payment. After renewal, you will receive an updated policy document, which you should keep safely. Remember that it is essential to renew your two-wheeler insurance policy on time to ensure continuous coverage and avoid any lapses in your insurance protection.
ICICI Lombard also offers long-term two-wheeler insurance policies, providing coverage for up to three years. With these policies, you won't need to worry about renewing your insurance every year. The long-term policies offer convenience and ensure that your vehicle remains insured for a more extended period without the hassle of annual renewals. However, even with a long-term policy, it is advisable to periodically check your policy status and ensure that your coverage is up-to-date.
Additionally, ICICI Lombard provides a grace period for policy renewals. This means that if you are unable to renew your policy on time, you will have a short window after the expiry date to renew it without losing your accumulated No Claim Bonus (NCB). This grace period varies, so it is important to check with the insurer or refer to your policy document for specific details regarding the grace period offered.
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Claims process
To check the status of your ICICI Lombard two-wheeler insurance claim, you can track your claim online through the ICICI Lodge a Motor Claim service. Alternatively, you can call customer care to find out the status of your claim.
To make a claim, you must first register your claim. After registering, a Customer Service Manager (CSM) will get in touch with you within one day. You will then need to submit the required documents to the insurance company, along with the original documents for verification. The CSM will then assess the repairs needed and approve the estimate. If your vehicle is being repaired at a cashless garage, the insurance company will settle the payment directly with the network garage. However, if there are any additional payments required, the CSM will inform you.
ICICI Lombard offers a No Claim Bonus (NCB) if you do not make a claim during the policy period. This bonus is given in the form of a discount on your insurance premium, ranging from 20% to 50% for each year without a claim. To maintain this benefit, you can purchase the NCB protector add-on, which allows you to make up to three claims while still retaining your NCB discount.
Additionally, ICICI Lombard offers a Garage Cash add-on, providing a daily allowance of Rs. 500 for up to 14 days while your two-wheeler is being repaired due to loss or damage. You can easily locate a preferred garage by logging on to the ICICI Lombard website or by contacting their customer service.
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