ICICI Lombard Smart Drive Private Two Wheeler

Unforeseen events can cause hindrance in one’s riding journey. More importantly it may leave one with
financial, legal, and emotional set-backs. That’s why, one requires Two-Wheeler Insurance to gain financial coverage against natural/man-made disasters, theft, or road accidents, etc. It ensures a smooth
ride and complete peace-of-mind. 

• Cashless Garages:
  Cashless claim settlement in authorized network of garages across India
  
  
• Variety of Add-on covers:
  For additional protection to one’s vehicle, the insured can choose from an array of add-on covers
  
  
• Competitive Rates
  ICICI Lombard pro:vides purchase and renewals of Two-WheelerInsurance at competitive rates
  
  
• End-to-End Claim Assistance
  Get 24/7 Claim Assistance & strong customer support with ICICI Lombard

Inclusions	Exclusions
Natural Disasters: Two-Wheeler Insurance covers natural disasters. E.g. floods, earthquakes, cyclones, etc.	Driving under intoxication: Accidental damages caused to the Two-Wheeler if the insured was driving the vehicle under the influence of drugs or alcohol
Manmade Disasters: Losses caused by fire, terrorism, riot, strike, etc. are included.	Regular wear and tear: Regular wear and tear as well as losses due to depreciation of vehicle aren’t covered.
Accidents on Road: Road accidents are covered under the insured’s Two-Wheeler Insurance Policy	Malicious Activity: Losses/Damages aren’t covered if the insured rides the Two-Wheeler without a valid license, or if the Two-Wheeler is driven by an underage person.
Personal Accident Cover for owner-driver: If the owner-driver of the insured Two-Wheeler sustains injury or death, the insurer provides compensation.	Commercial Activity: Driving a private vehicle for commercial purpose and vice versa is not covered.
Third-Party liability: Losses/damages to properties or bodily injuries caused to third-party are covered if the accident involves the insured’s Two-Wheeler.	Other reasons: Consequential damages, electrical and mechanical failure, staged accidents, driving outside geographical limits, and an expired policy

With ICICI Lombard Two-Wheeler Insurance, onecan customize the policy by choosing add-on coversbest
suited to one’s Two-Wheeler protection against unforeseen events.

Two-Wheeler accidents are dangerous to both the rider and the person sitting pillion. Since the risk of
injuries/death is high for both, having a Personal Accident Cover is essential. It insures against full or
partial disability of the co-passenger as well.

In the regular policy, during claim, the insured has to bear depreciation on repair/replacement expenses
of plastic, fibre, rubber and glass parts. However, with this add-on, one would not have to pay
depreciation on expenses of repaired/replaced parts.

One must be 18 years old or older to buy a Two-Wheeler Insurance Policy.