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Network of 6500+ garages1

  1. Road side assistance2

  2. Avail no claim bonus on renewal3

  3. Cover against theft

Benefits & Features of Two Wheeler Insurance

Ride Safe

Ride Safe

Enjoy the added benefit of riding safe4.

Your No Claim Bonus (NCB)* will be applicable for 1 or more claims as per the policy period.

Easy Policy Renewal

Easy Policy Renewal

Renewing your policy online is a breeze.

No vehicular inspection will be conducted, even in the case of an expired policy.5

Safety For Everyone

Safety For Everyone

Secure yourself and your co-passengers.

Get an inbuilt personal accident cover with an add-on co-passenger cover.

Extra Security

Extra Security

Opt for an add-on cover to secure the electrical and non-electrical accessories of your two-wheeler.

Long-Term Policy

Long-Term Policy

Get a single policy certificate that is valid for 3 years.

Ride With A Protective Shield

Ride With A Protective Shield

With over 6000+ network garages across India, you can call for assistance in case of any glitches during your journey.

Choose Your Own Tenure

Choose Your Own Tenure

The policy comes with tenure options of 1, 2, or 3 years. Opt for a long-term tenure and ride without any worries.

Policy Coverage

What does Two-Wheeler Insurance cover?

Loss or Damage to your vehicle against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Loss or Damage to your vehicle against Man-made Calamities

Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

Personal Accident Cover

Coverage of up to Rs 15 lakh for the individual owner/driver of the vehicle while driving or travelling, mounting or dismounting from the two-wheeler. Optional personal accident covers for co-passengers available.

Third-Party Legal Liability

Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

For more details, kindly refer to the Policy Wordings.

*NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available, provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in the form of a written declaration or a renewal notice or a letter confirming the NCB entitlement from the previous insurer.

1Garage count as on Jun 1 2021

2An add-on cover is applicable, if insured opts for it by paying an additional premium.

3No claim bonus will only be allowed if the policy is renewed within days of the expiry date of the previous policy and there’s no paid/pending claims on the previous policy. It is applicable for the own damage section of the policy.

4Provided both the existing policy and renewal policy tenure are of years & above.

5For less than cubic capacity two-wheeler vehicle.

Policy Exclusions

What is excluded from a Two-Wheeler Insurance cover?

  • Normal wear and tear and general ageing of the vehicle

  • Depreciation or any consequential loss

  • Mechanical/electrical breakdown

  • Damage to tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement

  • Vehicles being used otherwise than in accordance with limitations as to use

  • Damage to/by a person driving any vehicles or cars without a valid license

  • Damage to/by a person driving the vehicle under the influence of drugs or liquor

  • Loss/ damage due to war, mutiny or nuclear risk

For details, kindly refer to Policy Wordings.


The advertisement only contains an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the terms & conditions/policy wording carefully before concluding a sale. Insurance is underwritten by ICICI Lombard General Insurance Company Limited. Two Wheeler Vehicle Package Policy - IRDAN115RP0015V05201415 Motor 05, Road Side Assistance - IRDAN115RP0015V01200607/A0002V01201213.

ICICI Bank Limited (“ICICI Bank”) with its registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) Toll-Free No. 1800 1080 is only a Corporate Agent (Composite, IRDAI Regn No.: CA0112) of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai 400025. IRDAI Reg. No. 115. Toll-Free No. 1800 2666. Fax No. 022 61961323, CIN: L67200MH2000PLC129408.

Customer Support Email ID -

Enrolment by an ICICI Bank’s customer of any insurance products is purely voluntary and is not linked to the availing of any other facility from ICICI Bank.

 ICICI Lomabard Group Health Insurance - ICIHLGP24019V062324,

ICICI Lombard Customer Support Email ID: , Website: T&C apply


  • The IRDAI is not involved in activities like selling insurance policies, announcing bonuses or investing in premiums.


  • Any members of the public who receive such phone calls are requested to lodge a police complaint.
  • To register any grievance customers can also approach IRDAI at


Popular FAQs

In case of an accident, when should I report to the police in Two Wheeler policy?

Incidents such as ’Third Party Property Damage’, ’Bodily Injury to Self or Third Party’ or ’Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred

Is there any discount available if I install an Anti-theft alarm and locking system?

If your vehicle is fitted with anti-theft devices, which are approved by the Automobile Research Association of India (ARAI), a discount on Own Damage (OD) premium is allowed.

What if I fail to produce the required documents in Two Wheeler policy?

There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof

What is the Accident Cover for un-named passengers in Two Wheeler policy?

Passengers other than the insured, namely, the co-passenger/pillion rider, can be insured under this cover by paying an additional premium. This covers them against death or disability caused due an unfortunate accident.