ICICI Lombard Bike Insurance Claim

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ICICI Lombard General Insurance has effectively settled the bike insurance claims of more than 2 crores policyholders by protecting them against financial and legal liabilities for their own damage as well as third parties. To assist its customers, ICICI Lombard two wheeler claim settlement has been available on its website simply with an effective online android app called TakeCare app and toll-free helpline numbers. In case of accidental damage, you can initiate a claim for bike insurance. The damage may be incurred by you, your bike, or a third party; the company will provide you the financial aid according to the bike insurance policy you own. Let's discuss the bike insurance claim settlement process by ICICI Lombard General Insurance.

List of Documents Required During Claim Settlement

Documents play a significant role in claiming ICICI Lombard two wheeler insurance. The required documents are listed below:

  • A duly filled ICICI Lombard bike insurance claim form signed by you
  • Policy documents
  • Premium receipts
  • Police FIR copy if required
  • Insured bike's registration certificate
  • Estimate of repairs cost, stamped receipt, bills and cash memo of repairs from concerned garage
  • Driving licence copy
  • Payment of road tax verification
  • 'No Trace Report' of the stolen bike from the police
  • Theft declaration from RTO (Regional Transport Office)
  • All sets of original keys/ service booklets/ warranty card (in case of stolen)

How to Make ICICI Lombard Two Wheeler Insurance Claim Online?

The ICICI Lombard bike insurance claim can be initiated online by following a few super simple claim steps:

  • Call ICICI Lombard's toll-free helpline number 1800 2666 or log in to its Take Care app and initiate a claim by informing and providing all the available details regarding the accident in ICICI Lombard bike insurance claim form.
  • Use the InstaSpect option in ICICI Lombard Take Care app to complete bike inspection via live video streaming.
  • ICICI Lombard's claims manager would give an immediate repair approval after inspection, provided all required documents are in order.
  • Drop your damaged two wheeler along with the asked documents at the nearest network workshop.
  • Pick up the bike from the garage by paying the compulsory dues to the garage.

There are two ways to initiate a claim on ICICI Lombard two-wheeler insurance. The first is a cashless claim, and the second is a reimbursement claim. These two differ in the way the settlement amount is received. Here is provided a brief summary of both the processes.

How to Make an ICICI Lombard Cashless Bike Insurance Claim?

The claim process of ICICI Lombard two wheeler Insurance is designed in a user-friendly manner. Check the steps to be followed below:

  1. After the ICICI Lombard insurance claims manager verifies the damages suffered in the accident, the insurer will instantly initiate the claim settlement process. You can check ICICI Lombard bike insurance claim status by login to the company website.
  2. A surveyor will be appointed by the company to check the damages on the bike and prepare an estimation cost.
  3. Drop your damaged two-wheeler along with the asked documents at the nearest network garage/workshop.
  4. After getting the approval from the surveyor, the company will directly settle the repairing expenses with the network garage.
  5. Pick up the bike from the garage by paying the compulsory dues to the garage.

How to Make ICICI Lombard Reimbursement Two Wheeler Insurance Claim?

You can also register a reimbursement claim for two wheeler insurance ICICI Lombard if you are not able to find a network garage nearby or wish to repair your bike at any other workshop of your choice. A reimbursement claim compensates you for the repair expenses. The ICICI Lombard's reimbursement bike insurance claim process has been discussed below:

  1. After the ICICI Lombard insurance claims manager verifies the damages suffered in the accident, the insurer will instantly initiate the claim settlement process. You can check ICICI Lombard bike insurance claim status by login to the company website.
  2. Drop your damaged two wheeler at the workshop of your choice.
  3. Pick up the bike from the garage by paying all the expenses from your pocket.
  4. Provide all the requested documents along with original bills/receipts to the insurer.
  5. The amount will be reimbursed to your account as soon as the company verifies the amount with the concerned garage.

Common ICICI Lombard Two Wheeler Insurance Claim Rejection Reasons

The insurer can reject ICICI Lombard bike insurance claim initiated by the insured due to the following reasons:

  • Expired bike insurance policy 
  • No proofs are available of accident
  • Information concealed or wrong information given by insured
  • Delay in raising the claim

ICICI Lombard No Claim Bonus

NCB is an extra benefit that is provided with an ICICI Lombard bike insurance policy. According to this benefit, you will earn a bonus if you let go any year without making a claim during your policy tenure. Hence, you end up lessening the cost of premium with each passing year.

ICICI Lombard Bike Insurance Claim FAQs

  • 1. Can I initiate an ICICI Lombard bike insurance claim online?

    Yes, ICICI Lombard allows its policyholders to initiate the claim online by visiting its website.

  • 2. What is the claim amount in case of third-party death?

    The court of law evaluates the ICICI Lombard claim amount in case of third-party death. 

  • 3. How to make an ICICI Lombard claim for a stolen bike?

    For an insured stolen bike, you first need to lodge an FIR and receive a report of 'no trace' from the police. During the claim, show the copy of the FIR and no trace report to the insurer.

  • 4. What is the maximum discount one can earn with ICICI Lombard's no claim bonus?

    The percentage of bonus offered by ICICI Lombard grows with back-to-back 5 consecutive claim-free years to 50%. Therefore, you can receive a maximum of 50% of your insurance as a no-claim bonus in case you don't make a claim.

  • 5. Is a bike damaged in riots eligible for compensation under ICICI Lombard third-party bike insurance policy?

    No, ICICI Lombard third-party bike insurance does not cover the damages or losses to the owner's bike in riots.

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