ICICI Lombard Comprehensive Bike Insurance
Among its other insurance policies, ICICI Lombard offers a comprehensive bike insurance plan covering third party as well as own damage. Moreover, they also have an extended series of add-ons as per the preferences and requirements of individuals. Comprehensive Bike Insurance from ICICI Lombard frees you from all road tensions.
What is Covered Vs Not Covered Under ICICI Lombard Comprehensive Bike Insurance Policy
Your ICICI Lombard comprehensive bike insurance covers both damage to your own bike and any legal responsibilities if you harm someone else or their property. However, it’s important to know what is included and not included in your policy.
1What’s covered
- Damage to your bike from accidents.
- Damage from natural disasters is covered.
- Damage from fire.
- Theft of your bike.
- Damage from vandalism.
- Damage during transport.
- It also covers the legal costs if you injure someone or damage their property with your bike.
- Damage to parts covered by add-ons like engine protection.
2What’s not covered
- Normal depreciation of your bike’s value over time.
- Mechanical or electrical issues from regular use.
- Normal wear and tear from everyday use.
- Damage caused while driving under the influence of alcohol or drugs.
- Damage is caused if the person who is driving does not have a license.
- Additional costs, like towing charges.
Benefits of Buying ICICI Lombard Comprehensive Bike Insurance
1Third-Party Covers
With the help of ICICI Lombard comprehensive bike insurance, you can get coverage from any legal and financial liabilities that you face at the time of the accident or cause any damage or injury to another person, vehicle, or property.
2Protection Against Vandalism
The policy covers damages caused by intentional acts of vandalism to make sure that you are financially protected against repair costs in such situations.
3Highly Reliable
ICICI Lombard is a well-known name in the insurance industry. They are known for offering reliable services and quick claim settlement to give you peace of mind.
4Cashless Garages
With access to a wide network of cashless garages, you can get your bike repaired without paying out of pocket, as the insurer directly settles the bill.
5IL Take Care App
With the IL Take Care App, you can manage your policy from anywhere, renew your insurance, and even raise claims through a streamlined process on your smartphone.
FAQs
Yes, you can enhance your coverage by adding extra options offered by ICICI Lombard. These add-ons can be selected based on your specific needs and preferences to give you more protection.
The duration of the comprehensive bike insurance can be from 1 to 3 years. Since this insurance is optional, you can choose either a short-term (1 year) or long-term (3 years) policy.
There are some additional add-ons like engine protection, zero depreciation cover, and roadside assistance available from ICICI Lombard. All these add-ons give you more protection than what is covered under the basic policy.
You can renew your policy easily at the website of ICICI Lombard or the IL Take Care app. The process is simple and fast so that you can get continuous coverage for your bike.
The claim process can be done online. After the claim is filed, the company will take some time to review the same. Once the claim gets approved, they will settle the costs directly with the garage in case of cashless service or reimbursement otherwise.
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