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ICICI Lombard Bike Insurance Claim

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    Network Garages8,800+
    Claim Settlement Ratio87.71% in FY20
    Emergency AssistanceAvailable 24/7
    Policies Issued2.6 crore in FY20
    AccreditationiAAA Rating by ICRA
    Presence46 Countries

    ICICI Lombard Bike Insurance Claim

    ICICi Lombard bike insurance policy has an impressive claim settlement ratio of 87.99% in the financial year 2019-20. It has successfully settled the claims of thousands of its policyholders through its seamless claim settlement procedure.

    List of Documents Required During Claim Settlement

    Following documents are required at the time of a claim for ICICi Lombard two-wheeler insurance policy in case of accident or theft:

    1. In Case of an Accident

    • Copy of the insurance policy
    • Copy/Original Registration Certificate (RC)
    • Copy/Original Driving License
    • Copy of First Information Report (FIR)
    • Original Tax Receipts
    • Estimate of vehicle repair cost
    • Payment receipts and bills of the repairs made
    • Claim Discharge Voucher

    2. In Case of Theft

    • Original Policy Documents
    • Original Registration certificate (RC)
    • Tax Payment Receipts
    • Theft Declaration from Regional Transport Office
    • All Policy Details
    • Warranty Card, Duplicate Keys and other accessories
    • First Information Report (FIR)
    • Judicial Magistrate First Class (JMFC)
    • Final Police Report
    • Claim Discharge Voucher
    • Letter of Subrogation
    • Forms 28, 29, 30 and 35 duly signed by the policyholder
    • Claim form duly filled and signed

    How To Make ICICI Lombard Cashless Bike Insurance Claim?

    The claim settlement procedure of ICICi Lombard bike insurance policy has been a seamless one as the policyholder needs to follow the following steps:

    Step 1: Contact your insurer and register the claim

    The first stage in the claim settlement process is to contact the insurer and register the claim by providing all necessary details such as the accident's location, time, and location of witnesses (if any were collected), and so on.You can contact the insurer by calling their toll-free number 1800-103-2292. You can also mail them at

    Step 2: Inspection of damages

    After registering the claim, the insurer will send a surveyor to the location of the mishap to inspect the extent of the damages incurred by the bike due to the mishap. After the inspection, you can take your bike for repairs.

    Step 3: Get repairs done

    After the survey of your bike, tow it to the nearest garage authorized by ICICi Lombard General Insurance. You can also request the insurer to arrange for the towing service.

    Step 4: Claim Settlement

    The garage repair bills will be covered by the insurance company. Pay the insurer your required and voluntary deductibles (if any) and take your bike home!

    How To Make ICICI Lombard Reimbursement Bike Insurance Claim?

    If you take your bike for repairs to a garage other than the ones authorized by the insurer, then they will have to pay the repair expenses. After that, you can raise a reimbursement claim with the insurer. The process of reimbursement can be carried out by the following steps.

    Step 1: Contact the insurer and register the claim

    The first step to start the claim settlement process is to contact the insurer and register the claim by providing them all the necessary details such as place, location and time of the accident, details of witnesses (if collected) etc. You can contact the insurer by calling their toll-free number 1800-103-2292. You can also mail them at

    Step 2: Assessment of damages

    A surveyor is sent to inspect the condition of the bike before it is sent for repair. Submit all the required documents to the surveyor at this stage.

    Step 3: Repair and Reimbursement

    Take your bike to your chosen garage and pay for the repairs. Begin the reimbursement process with the insurance company. The repair bills and receipts, as well as the documents, must be submitted to the insurance company.The insurer checks all the details and calculates the reimbursement amount taking into account all the deductibles and depreciation. The company finally disbursed the amount.

    Common ICICi Lombard Bike Insurance Claim Rejection Reasons

    When you are seeking claim settlement from ICICi Lombard Insurance Company, there are specific grounds that you need to consider so that your claim is not rejected. The insurer rejects a claim for the following reasons.

    • Act of negligence
    • Misinterpretation of facts
    • Registration of a fraud Claim
    • Delay in intimation about the mishap to the insurer
    • Driving without license or under influence of alcohol/drugs.

    ICICi Lombard No Claim Bonus

    Every two-wheeler own-damage cover offers its policyholders No Claim Bonus for every claim-free year. ICICi Lombard provides an own-damage cover for your two-wheeler that can be purchased alone or as part of a complete insurance plan. This benefit is a gesture from the insurance provider for the policyholder and their safe driving habits. The NCB is cumulative in nature, which means that it becomes higher with every passing consecutive claim-free year. The highest reward is 50%, and it can only be achieved for the fifth year in a row. Any claim, no matter how minor, disqualifies you from receiving this award.Hence, it is advised that policyholders only file for a two-wheeler insurance claim when the damage from a mishap is significant and/or higher than the NCB amount.

    To be eligible for the No Claim Bonus, insurance holders must also maintain a disciplined habit of renewing their policies on time. If they do not renew before the expiry date, the NCB they have accumulated will be lost. ICICi Lombard gives its insurance clients a 90-day grace period after the expiry date to renew their policies.However, any delays made after this date leads to the direct cancellation of the insurance and the NCB. At the time of renewal, if you feel that you would prefer a different insurance provider, the NCB will simply be transferred. Similarly, if you choose to sell your current two-wheeler and purchase another one, the NCB will still remain intact.

    Bike insurance starting from Rs.482/year*
    • Save upto 75%*
      Lowest Bike Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Common ICICI Lombard Bike Insurance Claim Rejection Reasons

    There are specific conditions that may lead to the rejection of the claim. The policyholder needs to check that the claim is not rejected due to the following reasons:

    • Act of negligence
    • Driving without licence
    • Misinterpretation of facts
    • Driving in an intoxicated state
    • Registration of a fraud claim
    • Claiming wrong coverage amount
    • Improper functioning of the vehicle parts
    • Lack of details required to process the claim
    • Delay in intimation about the mishap to the insurer.

    ICICI Lombard No Claim Bonus

    The No Claim Bonus is a token gesture made by the insurance provider. When you purchase an own-damage cover from ICICI Lombard for your two-wheeler, the insurance provider offers the NCB as a reward for a claim-free year. This reward is cumulative in nature, i.e., it becomes higher with every passing consecutive claim-free year. In the fifth consecutive year, the reward reaches 50 per cent. However, any claim made by the policyholder whether minor or significant leads to the non-eligibility of the policyholder for the reward for that year. Hence, customers are advised to only file for a claim in cases where the damage to the two-wheeler from the mishap is significant.

    Moreover, policyholders also need to maintain regular renewal of their insurance policy to keep up their NCB. Non-renewal will lead to the loss of the NCB along with the cancellation of the policy. To avert such losses, ICICI Lombard and other insurance providers give their customers a grace period of 90 days within which they can still renew their insurance policy though the date of expiry has passed. But any delays made in renewal past this date leads to the cancellation of the two-wheeler insurance and the accumulated NCB if any. If you want to sell your two-wheeler to purchase another one or want to change your insurance company, do not fear losing the NCB. It is a transferable benefit.

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    769 Icici Lombard Cashless Garages in India

    ICICI Lombard Bike Insurance Claim FAQs

    • How can I find the nearest cashless garage?

      ICICI Lombard provides a list of the network of garages on their official site. You can visit InsuranceDekho and enter your state and city to get the list. You can also call on the insurer’s toll-free number 1800-2666 for assistance.

    • Do I need to pay for the repair if I opt for a garage other than the network garages of ICICI Lombard?

      Yes, initially you have to pay to the garage for the repair of your bike. However, you can register a reimbursement claim along with the documents and bills. The insurer verifies the matter and disburses the amount directly to you. However, the claim amount is disbursed after factoring in the deductibles and depreciation.

    • How ICICI Lombard General Insurance resolves claims beyond city limits?

      The bike insurance policy has a predefined geographical extent beyond which it does not provide coverage. If the location is within the geographical limits, you can request for towing service after registering a claim. The insurer assists in taking the bike to the nearest cashless garage and resolves the claim after verification.

    • Is the bike insurance claim process time-bound?

      Yes, the claim process is time-bound. It is advisable to inform the insurer as soon as possible. The time boundation varies from one policy provider to another. The first thing a policyholder should do after an accident is to intimate the insurer about the accident and register a claim.

    • What is the quickest way to contact my insurer, ICICI Lombard?

      The quickest and easiest way to contact ICICI Lombard is to dial their toll-free number 1800-2666.

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    ICICI Lombard Bike Insurance Contact Details

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.