ICICI Lombard Two Wheeler Insurance Claim Guides

When you own a bike, having a reliable insurance policy is more than just a legal requirement, it's your financial safety net. Accidents, thefts, or damages can happen anytime, and a good insurance policy ensures you’re not left paying out of pocket. 

ICICI Lombard Two Wheeler Insurance is one of the most trusted names in the insurance space, offering comprehensive coverage and an easy claim process. But how exactly do you file a claim when you need to? In this blog post by Quickinsure, we’ll take you through a simple, step-by-step guide to help you understand the claim process for ICICI Lombard Two Wheeler Insurance.

What is ICICI Lombard Two Wheeler Insurance?

ICICI Lombard Two Wheeler Insurance is a policy designed to protect your bike from damages caused by accidents, theft, natural disasters, and even third-party liabilities. It helps cover the cost of repair or replacement, so you don’t have to bear the financial burden during an already stressful time. You can choose from third-party coverage, comprehensive plans, or standalone own-damage policies, depending on your needs.

With Quickinsure, you can compare policy options, understand coverage benefits, and purchase your ICICI Lombard Two Wheeler Insurance online within minutes. The platform also helps you with renewals and, more importantly, claim support when you need it the most.

When Should You File a Claim?

You should file a claim under your ICICI Lombard Two Wheeler Insurance policy in the following situations:

• Road accidents leading to damage to your bike
  
  

• Theft or total loss of the vehicle
  
  

• Damage due to fire or explosion
  
  

• Natural calamities such as floods, earthquakes, or storms
  
  

• Vandalism or malicious acts
  
  

• Third-party liability (injury or property damage caused by your bike)
  
  

Even though filing a claim is your right, it’s good to be aware that the number of claims in bike insurance over the policy term can impact your No Claim Bonus (NCB) and future premium amounts. Therefore, consider the extent of damage and repair cost before initiating a claim for minor issues.

Documents Required for ICICI Lombard Two Wheeler Insurance Claim

Before we get into the steps, make sure you have the following documents ready to file your claim:

• A copy of your ICICI Lombard Two Wheeler Insurance policy
  
  

• Vehicle Registration Certificate (RC)
  
  

• Driving license of the rider at the time of incident
  
  

• First Information Report (FIR) copy (if applicable)
  
  

• Photographs of the damage (if possible)
  
  

• Duly filled and signed claim form
  
  

• Original repair invoice and payment receipt (for reimbursement claims)
  
  

Step-by-Step ICICI Lombard Two Wheeler Insurance Claim Process

Let’s walk through the entire process of raising a claim under your bike insurance policy.

Step 1: Inform ICICI Lombard or Quickinsure Immediately

As soon as the accident or loss occurs, inform ICICI Lombard about the incident. You can do this by calling their toll-free number 1800 2666 or by logging in to your Quickinsure account. Timely intimation (preferably within 24 hours) is crucial for the claim to be processed smoothly.

If you’ve purchased the policy through Quickinsure, their team will also help you with claim registration and coordination with ICICI Lombard.

Step 2: File an FIR if Required

In case of theft, third-party injury, or major accidents, you must file a First Information Report (FIR) at the nearest police station. An FIR is mandatory for such claims and must be submitted to the insurer as part of your claim documents.

Step 3: Schedule a Surveyor Inspection

ICICI Lombard will assign a surveyor to inspect the damage to your bike. This usually happens within 24-48 hours of claim intimation. Do not start repairs until the surveyor completes the inspection and provides approval for the repairs.

Step 4: Get the Bike Repaired

Now, you have two options:

1. Cashless Claim

Take your bike to any of ICICI Lombard’s network garages for repair. The surveyor will approve the repair work, and once completed, the insurance company will settle the bill directly with the garage. You only pay for deductibles or non-covered parts.

2. Reimbursement Claim

If you prefer to get the bike repaired at a garage of your choice (outside the network), you’ll have to pay the repair cost upfront. Later, you can submit the bills along with other required documents to ICICI Lombard and get reimbursed.

Step 5: Track Your Claim

You can easily track the status of your claim online on the ICICI Lombard website or through Quickinsure’s claim tracking portal. Regular updates are provided until the claim is settled.

Why File Your Claim with Quickinsure?

Filing an insurance claim can feel overwhelming, especially during stressful situations. But when you’ve bought your ICICI Lombard Two Wheeler Insurance through Quickinsure, you don’t have to do it alone.

Here’s how Quickinsure makes your claim process easier:

• Quick Claim Intimation: Register your claim online or through call assistance
  
  

• Expert Guidance: Get support with document submission and claim procedures
  
  

• Claim Tracking: Monitor the status of your claim in real-time
  
  

• Customer Support: Friendly assistance for any queries or issues during the process
  
  

Quickinsure acts as a bridge between you and the insurer, ensuring that your claim is processed without unnecessary delays or confusion.

Final Thoughts

Accidents and unexpected events are a part of life, but they don’t have to derail your peace of mind. With ICICI Lombard Two Wheeler Insurance, you have the protection you need to get back on the road quickly and confidently. And with Quickinsure by your side, the claim process becomes even more convenient and transparent.

Just remember to report the incident quickly, provide accurate documentation, and follow the insurer’s instructions. That way, your claim can be processed smoothly and without unnecessary delays.