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.

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

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.

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

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.

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

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

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

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

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

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

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

Covers engine damage due to water ingression or lubricant leakage.

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

Yes. Submit cancellation request and required documents.

Refund depends on used coverage period and claims.

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.

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

Submit financer NOC and updated RC.

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

Try again after some time or use another payment method.

Escalate to customer care → Grievance Officer → Ombudsman.

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