ICICI Lombard Comprehensive Bike Insurance

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The requirement of insurance after the purchase of a two-wheeler is essential. The two-wheeler owner must consider insurance to avoid bearing any costs due to unwanted situations. A two-wheeler owner who opts for an efficient insurance policy can choose the ICICI Lombard two-wheeler comprehensive insurance policy. This insurance policy is discussed in detail further. 

The comprehensive policy of ICICI Lombard two-wheeler insurance provides insurance coverage for a particular aspect considering a two-wheeler. This insurance policy ensures against any damages caused due to accidents to a third-party. It also provides insurance for any damages caused to the insured’s two-wheeler in an adverse scenario. All the possible liabilities under such a scenario are covered under the ICICI Lombard two-wheeler comprehensive insurance policy.

How does ICICI Lombard Comprehensive Two Wheeler Insurance Policy Work?

The insurance policy can be brought to use when damages are caused to the third-party’s vehicle by the two-wheeler of the insured. The claims can be made even if the two-wheeler belonging to the insured gets damaged due to the mishap. The insured can claim possible benefits and monetary assistance using the ICICI Lombard two-wheeler comprehensive insurance policy to pay the potential liabilities. 

ICICI Lombard Comprehensive Two Wheeler Insurance Vs. Third Party Two Wheeler Insurance

BasisComprehensive Bike InsuranceThird Party Bike Insurance
Cost This policy is comparatively costlier.This policy is cheaper as it provides less coverage.
Status It is not mandatory by the government.It is mandatory by the government.
Coverage This policy covers third-party as well as own-damage expenses for the policyholder.This policy covers only third-party damages.
Add-onsYou can buy add-ons with this policy.You cannot buy add-ons with this policy.

How to Buy ICICI Lombard Comprehensive Two Wheeler Insurance Policy?

The insurance policy can be bought on online platforms. The two ways include visiting the official ICICI insurance website or through the IL insure application. The online procedure is more efficient and faster, resulting in better availability of facilities. Therefore, the ICICI Lombard comprehensive bike insurance online purchase must be considered using the mentioned ways. 

What All is Covered Under ICICI Lombard Comprehensive Two Wheeler Insurance Policy?

The aspects that are included under the ICICI Lombard comprehensive bike insurance are included as follows:

  • The insurance policy covers damages caused by natural calamities to the bike or two-wheeler of the insured.
  • The insurance policy covers damages caused by human-made disasters to the two-wheeler or bike of the insured. The causes include theft, riots, externally caused accidents, or terrorist activities.
  • The insurance policy covers damages caused by accidents during traveling by the insured to its two-wheeler or bike.
  • The insurance policy covers all kinds of liabilities (legal as well) caused by the insured to the third-party( including injuries & death) in an accident caused by the former.

What All is not Included Under ICICI Lombard Comprehensive Two Wheeler Insurance Policy?

The aspects that are not included under the ICICI Lombard comprehensive bike insurance are included as follows:

  • The damages that are caused are due to the depreciation of the bike.
  • Damages caused to the two-wheeler of the insured due to drunk driving or any other drug intake.
  • Damages caused to the two-wheeler of the insured due to its overuse, which was being priorly warned about.
  • Depreciation of the tyres of the insured’s two-wheeler due to regular use and not by accident.
  • Any type of mechanical or electrical issue with the two-wheeler.
  • Damages occurred under the influence of drugs or alcohol.
  • Damges occured while carrying the invalid driving licence/policy.

ICICI Lombard Comprehensive Two Wheeler Insurance Policy Benefits

There are certain advantages of having ICICI Lombard comprehensive bike insurance. 

  • Customer service assistance is available at any time of the day.
  • The settlement and claim procedures are easy and quickly processed.
  • The insurance policy coverage can be extended by considering various add-on options.
  • The insurance policy includes the own damages caused to the insured’s two-wheeler.
  • Legal liabilities are included under the policy that the insured owes to the third-party in case of damage caused.
  • This insurance company provides online transaction options or cashless transactions in many service centers around the country.

ICICI Lombard Comprehensive Two Wheeler Insurance Review

The reviews of the ICICI Lombard two-wheeler comprehensive insurance policy are positive all over the country. Because of the hassle-free procedures, available add-ons, and the considered coverages and benefits. The owners of two-wheelers who bought this bike insurance policy experienced easy and efficient claim settlement process.

ICICI Lombard Comprehensive Bike Insurance FAQs

  • 1. Is geographical location considered for ICICI Lombard comprehensive claiming coverage for accidents?

    Yes, while buying the insurance policy, the insurer specifies the geographical area within which the insurance is valid.

  • 2. Can the maintenance or repair costs for the damages caused due to theft or burglary be claimed under this ICICI Lombard comprehensive policy?

    Yes, any damage caused by theft is covered under the ICICI Lombard comprehensive bike insurance.

  • 3. Can the ICICI Lombard comprehensive bike insurance be bought via an app?

    Yes, the insurance policy can be applied for and bought using an app on your smart devices. 

  • 4. Does the ICICI Lombard comprehensive bike insurance policy include legal debts in case of the death of a third-party?

    Yes, the insurance policy will cover all the possible liabilities that the insured will owe in case of the death of a third-party due to an accident caused by its two-wheeler. 

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