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Bike Insurance

Up to 93% off on two-wheeler policiesI

Up to93% OFFon two-wheeler policiesI

  • AI-backed claims for
    quick processing
  • Service guarantee
    on repairsH
  • Includes personal
    accident cover
Recent quote

HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

Premium

₹6,353 + GST
Continue

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By opting out of WhatsApp communication, you’ll lose out on:

  • Your personalised quote delivered directly on WhatsApp
  • WhatsApp notification on policy information, updates & announcements

Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

Why do our customers love us?

ICICI Lombard is synonymous with trust and reliability. Our bike insurance is a top choice among customers for several reasons. Here’s what our customers appreciate most:

6900+ cashless garagesB

for prompt service

Instant claim approval

via the IL Take Care app

24x7 customer support

for all your queries

What is bike insurance?

Two wheeler insurance safeguards you financially if your vehicle is damaged due to an unfortunate accident or natural disaster against which it covers the cost of repairs or replacement as the situation merits. It also protects you against Theft of the vehicle or any Third party liability or Personal accident on usage of the vehicle (depending on covers opted).

Most policies offer coverage for both the bike and third-party damages, meaning they will cover costs if your bike causes damage to someone else's property or injury. Additionally, under the Motor Vehicles Act, having bike insurance is mandatory in India for all bike owners.

buy/renew bike insurance policy

Why choose ICICI Lombard Bike Insurance?

Choosing ICICI Lombard bike insurance offers the following benefits:

Instant policy issuance

Our bike insurance provides instant online policy issuance, ensuring you get coverage without delays.

24X7 roadside assistance

Our bike insurance offers 24x7 roadside assistance, ensuring help is available whenever and wherever your bike breaks down.

Digital claims inspection

We offer a seamless digital claims inspection process, allowing you to easily submit claims online hassle-free.

Service guarantee

Our bike insurance offers a service guarantee, ensuring that repairs for your bike are done efficiently at our network of authorised garages.

What are the different types of bike insurance policies?

Comprehensive bike insurance

Comprehensive bike insurance is a type of two-wheeler insurance plan that offers holistic protection for your bike. It covers third-party liabilities and own damages. This policy offers financial protection in the event your bike gets damaged due to accidents, theft, fire, natural disasters, or vandalism. Comprehensive bike insurance offers 360-degree protection, thus offering peace of mind on the road.

Who is it suitable for?

A comprehensive bike insurance policy is for anyone who owns a bike. Whether you are a new bike owner or have an old bike, you can buy this insurance policy.

What does it cover?

It covers third-party liabilities, own damage and the damage your bike suffers from accidents, theft, vandalism, etc.

Standalone own damage bike insurance

A standalone own-damage bike insurance policy covers damage to your bike due to theft, accident, fire, natural disasters, or man-made calamities. Unlike third-party insurance, which only protects against damage to others, this policy focuses on your bike's repair or replacement costs.

Who is it suitable for?

This policy is suitable for anybody who owns a bike and has an active third-party insurance policy.

What does it cover?

This bike insurance policy covers damages to your bike caused by accidents, theft, fire, and other natural calamities.

Third-party bike insurance

Third-party bike insurance offers protection if your bike is involved in damages caused to a third party. It helps cover legal liabilities arising due to such damages.

Who is it suitable for?

This insurance policy is mandatory for anyone who owns a bike. It’s the legal requirement for riding on Indian roads.

What does it cover?

This insurance plan covers damages or injuries caused to a third party by your bike.

Benefits of having a bike insurance

Owning and riding a bike offers a lot of advantages. For example, buying and maintaining a two-wheeler is much cheaper and easier than a car. Despite these advantages, riding a bike is extremely dangerous when the condition of the roads are bad and there is heavy traffic. Also, factors like bad weather, road spills, rash driving by other drivers can harm you and your vehicle. Not to mention, bike theft has become a raging problem in recent years. Hence, having a reliable bike insurance policy is more of a necessity. Here are few benefits that two-wheeler insurance offers:

Financial protection
Roadside assistance
Coverage for spare parts
required in repairs
Coverage for bike theft
Coverage for accidental injuries

What is Covered by ICICI Lombard Two-wheeler Insurance Policy?

ICICI Lombard’s two-wheeler insurance policy covers:

  • Loss or damage to your two wheeler due to natural disasters

    Our two-wheeler insurance policy covers losses or damages suffered by your bike due to lightning, earthquakes, typhoons, frost, landslides, etc.

  • Personal accident cover

    We offer a personal accident cover of Rs 15 lakh for the two-wheeler owner. You can also buy this cover for your co-passenger with an additional premium.

  • Third-party legal liability

    Our two-wheeler insurance policy offers protection against third-party legal liability for accidents and damages caused by your bike to a third party.

This is an indicative list of inclusions and exclusions. For the full list, please refer to the policy wordings.

Policy documents: Downloads

Key features of two-wheeler insurance policy

Liability coverage

Offers financial protection against damages or injuries caused to third parties in an accident where you and your bike are at fault.

Own damage
coverage

It provides you with a financial cushion in the event your bike suffers damages from accidents, fire, theft, natural disasters, etc.

Personal accident
cover

Offers financial support in case you, the rider, suffer accidental injury while riding your bike. Also, it provides a payout in case of accidental death.

Add-on covers

Add-on covers, which require an additional premium, help fortify the base policy's coverage. Common add-on covers include engine protection, zero depreciation, roadside assistance, etc.

No claim bonus

Rewards you with either a discount in premiums or increased coverage for every claim-free year.

Cashless network
garages

These are authorised repair centres where you can repair your damaged bike without paying upfront.

Reasons to buy bike insurance online

Multiple reasons make buying bike insurance online a compelling proposition. These include:

  • 1
    Convenience

    Compare different plans and purchase insurance at your comfort

  • 2
    24X7 availability

    Buy anytime, any day from anywhere

  • 3
    Quick process

    Usually faster than traditional methods, where you can complete the process in just a few clicks

  • 4
    User-friendly tools

    Get calculators and tools to understand the coverage needed and the costs

  • 5
    Instant policy issuance

    Get policy documents immediately upon premium payment

buy/renew bike insurance policy

How to choose the right two wheeler insurance policy?

Choosing the right bike insurance policy is a culmination of several factors. Keeping in mind the following factors can help you choose the right policy:

  • Assess your needs: Find out what coverage you need. Consider if you want protection for third-party liabilities, own damage, or both.
  • Compare plans: Look at different policies from multiple insurers. Compare coverage, premiums, and benefits.
  • Check coverage: Make sure your policy has a robust coverage against various risks.
  • Read the fine print: Understand the policy's terms, conditions, and exclusions, if any. Look out for any limits or deductibles.
  • Check the claims process: Make sure the claim process is straightforward and easy.

How to Effectively Compare Bike Insurance Premium?


Comparing bike insurance premiums is essential to finding the optimum coverage for your needs at the most affordable price.


  • 1

    Premium break-up

    It provides a detailed view of how your bike insurance premium is divided among various components, such as coverage, taxes, and add-ons.

  • 2

    Own damage premium

    Find the break up of your own damage premium covering your bike. The own damage premium is the cost you pay to cover the repair or replacement of your bike if damaged due to accidents, vandalism or natural disasters.

  • 3

    Third-party premium

    Third-party premium is the cost you pay towards your policy for availing third-party legal liability coverage.

  • 4

    Personal accident premium

    It’s the premium you pay to obtain personal accident coverage, which provides you with a financial cushion in case you suffer an injury while riding your bike.

  • 5

    Add-on premium

    Find out the premium breakup for your chosen add-ons in the policy. Add-ons offer an extra layer of protection on top of your base policy.

bike insurance online

Why is bike insurance necessary?

Bike insurance is necessary for several reasons. The Motor Vehicles Act in India makes it mandatory for every bike owner to have at least a third-party insurance policy. The penalty for not having bike insurance is Rs 2000 or imprisonment for up to three years.

Also, having a bike insurance plan helps you cover the costs incurred on repairing or replacing your bike due to various risks, natural or man-made. It gives you peace of mind as you know you are financially and legally protected.

How to buy two-wheeler insurance online?

Purchasing two-wheeler insurance online is a relatively easy process. All you need to do is:

  • 1
    Enter here all the necessary details like your mobile no, email ID, bike registration number, registration year etc.
  • 2
    Choose the plan that best fits your requirement
  • 3
    Customise the plan by editing your coverage, selecting add-ons, deductibles, etc
  • 4
    Pay premium through net banking, debit/credit cards, UPI, etc
  • 5
    You get the policy soft copy over email

What is NCB in bike insurance?

NCB is the acronym for No Claim Bonus. It is a reward your insurer offers you for not making any claims during the policy period. Each claim-free year allows you to earn a discount on the premium for the next policy renewal. This helps bring down your bike insurance’s cost.

What is IDV in bike
insurance?

IDV, or insured declared value in bike insurance, is the maximum amount your insurer will pay if your bike is stolen or completely damaged beyond repair. It is your bike's current market value, excluding depreciation. In simple terms, it's the amount you will get if your bike is lost or destroyed.

IDV in Bike Insurance Policy

What impacts the insured’s
declared value (IDV)?

Several factors impact the bike’s IDV, including:

  • Bike’s age: As your bike gets older, its value depreciates. The older the bike, the lower its IDV.
  • Bike’s make and model: Premium bikes or models with higher market demand typically have a higher IDV than regular bikes.
  • Depreciation: Your bike's value depreciates yearly based on a standard depreciation rate. The older the bike, the higher the depreciation, which lowers the IDV.

What is zero depreciation
in bike insurance?

You might know that at the time of settling your claim for damages to your two wheeler, the insurance company deducts the depreciation value on your bike or scooter’s parts. The zero depreciation add-on offsets such depreciation at the time of a claim. This add-on is available at nominal extra premium.

How to calculate two-wheeler insurance premium online?

Thanks to online calculators, you can easily calculate premiums online. To calculate premiums online:

  • 1
    Enter here all the necessary details like your mobile no, email ID, bike registration number, registration year etc.
  • 2
    Choose the insurance you want to buy
  • 3
    Submit all data, and you will know premiums instantly

Factors affecting
two-wheeler insurance
premium

A host of factors affect two-wheeler insurance premiums, including:

  • Bike’s age and model - New bikes and high-end models have higher premiums
  • Engine capacity - Bikes with high engine capacity command higher premiums
  • Coverage type - Comprehensive insurance costs more than third-party insurance
  • Add-ons chosen - More the number of add-ons, the higher the premium
  • Security features - Higher security features lower the premium
  • Location - Areas with higher traffic can lead to increased premiums
  • Claim history - Frequent claims can lead to higher premiums

How to claim two-wheeler insurance online?

Claiming two-wheeler insurance online is a breeze. All you need to do is:

Claim Bike Insurance Online
  • 1
    Call 1800 2666 to inform us about your claim. Alternatively, you can log in to the IL TakeCare app and make a claim
  • 2
    Provide live video streaming of your damaged bike through InstaSpect in the IL TakeCare app
  • 3
    Post inspection and provided that the documents are in order, our claims manager will provide an immediate repair approval
  • 4
    Take your bike to the network garage that's closest to your home along with the said documents
  • 5
    Relax as we settle your claim with the garage, post which you can pick up your bike

How to renew a two-wheeler insurance policy?

You can quickly renew your two-wheeler insurance policy online in a few clicks. All you need to do is:

  • 1
    Visit the website of your insurer and check the bike renewal page
  • 2
    Fill up the required details, including your vehicle number, existing policy details, etc
  • 3
    Make the required payment online to renew your policy
bike insurance renewal online

How to renew an expired two-wheeler insurance policy?

Failing to renew a two-wheeler insurance policy within the due date results in its expiry. You can renew your lapsed / expired two-wheeler insurance policy online. To do so:


  • Visit the insurer’s website and provide your expired policy and vehicle registration details for renewal
  • Opt for the desired coverage type and pay the premium
  • Your policy gets renewed upon premium payment

However, note that your insurer may inspect your bike before policy renewal due to a break in coverage.

Bike insurance price for different two-wheelers

Bike insurance plans don’t have a fixed price. They depend on various factors, including coverage amount and the engine’s cubic capacity. Also, in the case of comprehensive coverage, several other factors, like the bike’s make and model, claims history, location, etc., play a vital role.

Therefore, it’s difficult to predict the exact cost of a comprehensive policy. That said, the cost of a third-party insurance plan is uniform and depends on the bike’s cubic capacity. The table shows the price of third-party bike insurance plans for FY 22-23 for different bikes.

Bike’s cubic capacity Third-party insurance policy price
Less than 75 CC ₹538
75 to 150 CC ₹714
150 - 350 CC ₹1,366
Greater than 350 CC ₹2,804

Compare ICICI Lombard two-wheeler insurance policies

The table helps you compare various bike insurance policies offered by ICICI Lombard on various features, which will help you make an informed choice:

Features Two-wheeler vehicle package policy Standalone own damage two-wheeler insurance Third-party two-wheeler vehicle liability online policy
Own vehicle damage
Thef
NCB: Up to 50% bonus for not making a claim in the previous year
Add-ons
Damage to surrounding property
₹15 lakhs personal accident coverage for registered owner
Claim settlement at network garages
Digital inspection on IL Take Care app using InstaSpect

Two wheeler insurance blog articles

Is Your Two-Wheeler Well-Covered for Monsoons?

Nobody understands the pain of monsoon like two wheeler owners. There’s nothing enjoyable about riding around being completely soaked. But what’s worse than being

9 Aug 2021
Here's How You Can Claim Third-Party Two Wheeler Insurance

You can claim third-party insurance when you get hit by a vehicle and sustain bodily injuries and/or property damages.

10 Apr 2021
Essential Parts of Your Two Wheeler You Should Know About

It is very essential to take care of your bike. Here is a list of important two-wheeler spare parts and how to maintain their efficiency!

6 Mar 2021
Read more articles

Additional frequently asked questions about bike insurance

In case I change my job and location, what happens to my two-wheeler insurance policy?

Once the break-in inspection request is raised online, how long does it take to get the policy?

Once you raise a request, the inspection will happen within 48 hours. Once the inspection is complete, you will receive your policy immediately.

What are the documents required to buy a bike insurance online?

You don’t need to provide any documents while getting the insurance for the first time. You only need to share your details along with the details of your vehicle. Typically, renewals also do not require you to submit any documents. All you need to do is provide us with the right details about your bike and the existing policy. Be sure to provide the correct and relevant details while buying the policy online.

Can I take insurance policies from 2 different companies for the same vehicle at the same time?

No, you cannot do so.

Reviews and ratings

  • 4.6

  • Our customers have rated us

    Based on 293 reviews

Manoranjan Maity

My interaction with the ICICI Lombard team was nothing short of excellent. They guided me perfectly through the complexities of the process of buying two wheeler insurance and responded to all my queries like experts. I am happy with the way it went.

Prashant Takawale

Very good service provided by your agent. I am satisfied with the way he responded to my queries and provided suggestions regarding the bike insurance policy. He really simplified the whole process for me. Thanks.

Subrahmanyam Kancharla

I received clear and transparent information about the product from your customer service associate. She emphasised the importance of inclusions like third party liability and personal accident cover while making sure I didn’t have any doubts in my head. She was a great support throughout. I’d like to give her 10 out of 10 for the service.

Andrew Dsouza

The representative at ICICI Lombard was very helpful, patient, and clear while explaining the two wheeler policy to us. We had a few queries that needed solving before we could make a decision. Not only did he clarify our doubts but he also made sure we understood the product perfectly. Thanks!

Amit Tamore

Nice guidance and assistance offered on behalf of your salesperson. He shared his knowledge of the product with me and helped me understand its various features and benefits, such as towing assistance and cashless garages. I am grateful for the support.

Naresh Kumar Jain

Very good experience with ICICI Lombard. The agent was a thorough professional and did everything he could to make the transaction a smooth one. Thanks for making me feel at ease.

Read all reviews

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Product Product Code UIN no.
Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 years) 3005 IRDAN115RP0015V05201415
Standalone third party long term two wheeler insurance policy 3005/A IRDAN115RP0016V01201415
Two wheeler vehicle liability policy 3005 IRDAN115RP0016V01200102
Stand-alone own damage two wheeler insurance policy 3005/O IRDAN115RP0002V02201920
Bundled two wheeler policy 3005 IRDAN115RP0019V01202122
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