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ICICI Lombard Third Party Bike Insurance v/s Comprehensive Bike Insurance
| Features | ICICI Lombard Third Party Bike Insurance | ICICI Lombard Comprehensive Bike Insurance |
|---|---|---|
| Coverage | Covers damage to third-party property or injuries | Covers third-party liability, own bike damage, and personal injuries |
| Legal Requirement | Mandatory as per Indian law | Optional but recommended for full protection |
| Own Bike Damage | Not covered | Covered for accidents, theft, fire, and natural disasters |
| Personal Injury Coverage | Not covered | Covered under personal accident add-ons |
| Third-Party Liability | Covers third-party property damage and injury claims | Covers third-party property damage and injury claims, plus own damages |
| Premium Cost | Lower compared to comprehensive insurance | Higher due to broader coverage |
| Add-On Covers | Not available | Available (e.g., zero depreciation, return to invoice, etc.) |
| Theft Protection | Not covered | Covered under a comprehensive policy |
| Natural Disasters | Not covered | Covered (e.g., floods, earthquakes, etc.) |
| Accidental Damage | Not covered | Covered for own vehicle |
Two Wheeler Insurance Plans By ICICI Lombard
HDFC
NCB : 50%IDV: ₹13712
IFFCO
NCB : 50%IDV: ₹27700
TATA
NCB : 50%IDV: ₹20914
ICICI
NCB : 50%IDV: ₹17880
Covered Vs Not Covered Under ICICI Lombard Third Party Bike Insurance
Covered
Damage to another person's vehicle in an accident.
Injuries or death caused to a third party in an accident.
Legal liabilities arising from damage to third-party property.
Compensation for third-party death or injury, as per legal requirements.
Not Covered
Damage to your own bike in an accident.
Injuries or death of the policyholder.
Theft or loss of your bike.
Damage due to natural disasters or fire affecting your bike.
Any damage or loss caused when riding without a valid license or under the influence of alcohol or drugs.