Two Wheeler Insurance FAQs

Two-Wheeler Insurance protects your bike or scooter from losses due to accidents, theft, fire, natural calamities, and third‑party liabilities. Learn more.

ICICI Bank facilitates Comprehensive, Own Damage, and Third‑Party Liability-only policies as per IRDAI guidelines.

Coverage includes Own Damage (accidents, theft, fire, natural disasters) + Third‑Party Liability + Personal Accident Cover.

Download anytime using the Track Application tool

You can lodge and track claims via ICICI Insurance Services

Also you can contact on toll-free Helpline 1800 2666 to register your claim and get a claim number/ reference number.

Visit the Two‑Wheeler Insurance page → Enter vehicle details → Choose IDV and add‑ons → Pay securely → Get instant digital policy. Apply at: https://www.icicibank.in/personal-banking/insurance

Request letter, policy copy, sale proof/alternate insurance proof, financer NOC (if applicable).

Yes. Older vehicles may need inspection before policy issuance.

Typically requires offline assistance or insurer-level underwriting.

Yes. Provide hypothecation details during policy creation.

Claim form, RC, DL, policy copy, FIR, if required (For Theft, Third Party Injury/ Damage; Highway accidents - Major only), repair bills.

The compulsory out‑of‑pocket amount paid during claims (₹100/₹200 depending on cc).

Engine capacity (cc), vehicle age, location, model, selected IDV, add‑ons and NCB.

Yes. ARAI-approved anti-theft devices may offer OD premium discounts.

Yes. Up to 50% discount for claim‑free years. Transferable to a new insurer.

It ensures full claim payout without deducting depreciation on replaced parts.

Instant issuance, secure payments, digital policy access and quick claim assistance.

Covers engine damage due to water ingression or lubricant leakage.

Support for towing, flat tyre repair, jump‑start, fuel delivery and emergency help.

Credit/debit cards, net banking, UPI, cash cards, and cheque/DD at branches.

Refund depends on used coverage period and claims.

Yes. Submit cancellation request and required documents.

Refund is issued after document verification and deduction of charges.

Submit sale proof, policy copy and request letter at the nearest branch

Use anti‑theft devices, secure parking and regular maintenance to avoid losses.

Submit financer NOC and updated RC.

Use online service requests or visit the branch. Online Services.

Try again after some time or use another payment method.

Incorrect details or policy not issued yet. Retry via Track Application.

Escalate to customer care → Grievance Officer → Ombudsman.

Yes. Third‑party liability cover is mandatory under Motor Vehicles Act.