Claims of Two Wheeler Insurance from ICICI Lombard

There are two primary reasons for buying two-wheeler insurance. Firstly, it provides you with the legal clearance of riding your bike on the road. Secondly, it ensures that there is no financial burden on you when it comes to any incidents on the road. You can claim your two wheeler insurance from ICIC Lombard if you have met with an accident or there is some damage to your bike owing to riots or strikes and so on. Your two wheeler insurance from ICICI Lombard will take care of most of the financial implication of an incident. The claim process is fairly simple and requires a few steps to be followed from your end.

Different Documents and Different Claims of Bike Insurance from ICICI Lombard

If you wish to claim your ICICI Lombard two wheeler insurance, there are two primary types of claim, cashless or reimbursement. The cashless claim is without any doubts, the more preferred mode as you do not have to pay for the repairs from your pockets. But it can get a bit tricky since you need to take your bike to specific garages within ICICI’s network. For cashless service, once the claim is approved, ICICI Lombard pays the approved amount directly to the network garage. If there are some additional payments or deductibles, the policy holder must clear them off.

The other claim mode is reimbursement of the claims. In this case, you can go to any garage and repair your bike and claim for the same. The process remains the same for the most part. The only difference here being that you must pay for the repairs up front, and ICIC Lombard will reimburse the approved amount to you later.

The list of documents for claims of accidents is:

  • Claim form that is filled up.
  • RC copy of the bike.
  • A copy of the driving license.
  • A copy of the policy.
  • A copy of the FIR (for specific cases).
  • Estimates of the repair.
  • Final original copy of the invoice and payment.

The list of documents for claims of theft is:

  • Claim form.
  • RC copy along with original keys.
  • A copy of driving license.
  • A copy of the policy.
  • A copy of the FIR.
  • RTO transfer papers.
  • NOC from the lender.

Bike Insurance Claim Process from ICICI Lombard

Cashless Service:

If your bike breaks down or meets with an accident, here is all that you would need to do.

  • Reach out to the customer care of ICICI Lombard and inform them of your situation.
  • If you have met with an accident, take a note of the other vehicle involved in the accident.
  • If there were any witnesses to the accident, take a note of their names along with their contact information.
  • When you call the customer care, they will provide you with a reference number or claim number.
  • The representative will inform you regarding all the documents that you need to furnish to proceed with the claim and list the nearest garages where you can avail cashless service.
  • If you have met with an accident or there are damages to third party or your bike is stolen or any injuries, you need to file an FIR with the nearest police station.
  • You then need to take your bike to the garage that you have opted for.
  • After you receive a call from ICICI Lombard, you need to produce all the relevant documents at the garage.
  • The garage will estimate for all the damages and once you get the approval, ICICI will pay for the repair. If there is any balance amount or deductible, you would need to pay the same.

Reimbursement Claim:

Should your bike break down in the middle of the road or meet with an accident, the reimbursement process would look like this.

  • If you wish to claim your policy, inform ICICI Lombard of the incident at the earliest.
  • Take a note of the vehicle number of the involved vehicle during an accident.
  • If there are any witnesses to the accident, note down their names and contact information.
  • After informing ICICI Lombard about the incident, they will provide you with a reference number of claim number.
  • You will receive a call from ICICI within 24 hours of registering the claim.
  • The customer service manager will list out all the relevant documents and you need to provide the same to him/her.
  • ICICI Lombard will then initiate the claim process on your behalf.
  • Once the claim is approved, the amount will directly be credited to the account details mentioned in the claims form.

This way, your two wheeler insurance from ICICI Lombard can keep you safe during difficult times.

Related Posts

  • Post Image

Social Icons