{"uin":"IRDAN115RP0019V02202122","name":"Bundled - Two Wheeler Policy","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"Bundled - Two Wheeler Policy provides one-year own-damage cover, five-year act liability cover and personal accident cover for one year or long term as stated in the schedule. It covers listed own-damage perils and offers add-ons such as Zero Depreciation, Road Side Assistance, Return to Invoice, Engine Protect Plus and Motor Sahayak.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:24.950015+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named base plan variants are stated; named plans appear only inside optional add-ons.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Own damage cover runs for one year from the risk start date, act liability runs for five years from the risk start date, and personal accident cover runs for one year or long term as stated in the schedule.","display":"Own Damage: 1 year; Act Liability: 5 years; Personal Accident: 1 year / Long Term as stated in the Schedule","note":null,"quote":"a. Section I (Own Damage) for one year from the risk startdate\nExceeding 3 years but not exceeding 4 years | 25%\nb. Section II (Act Liability) for five years from the risk start date\nExceeding 4 years but not exceeding 5 years | 35%\nc. Section III ( Personal Accident) for one year /Long Term\nExceeding 5 years but not exceeding 10 years | 40%\n(as stated in the Schedule) from the risk start date","sources":[{"clause":null,"heading":"Applicability of coverage","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-applicability-of-coverage"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the company immediately upon accidental loss or damage and in the event of any claim. Theft or other criminal acts must also be immediately notified to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or other criminal act","note":"The CIS also says to notify a claim within 30 days for smooth processing, but the policy wording requires immediate notice.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or damage and in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. ... In case of theft or other criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"3. CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-3-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":"The wording says to submit the claim form and all claim-related documents, and points to a website for the list of required documents, but it does not print the base claim document list.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The assessment sheet or survey report will be furnished within 15 days of assessment or survey, and the claim will be decided within 7 days of receipt of the survey report or assessment sheet.","display":"Survey/assessment report within 15 days; claim decided within 7 days of receipt of the survey report/assessment sheet","note":null,"quote":"1. Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey.\n2. Claim will be decided within 7 days of receipt of the survey report/ Assessment Sheet, as applicable.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-chapter-6-claim-procedure"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the . Limitations as to Use.","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause.","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area; contractual liability; use outside limitations; non-driver; consequential loss/wear and tear/breakdown; tyre/tube damage alone; accessories theft unless vehicle stolen; intoxicating liquor or drugs; nuclear radiation; nuclear weapons; war and similar events","note":null,"quote":"Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the . Limitations as to Use. ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages. ... Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ... under the influence of intoxicating liquor or drugs. ... ionising radiations or contamination ... nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-i"},{"clause":"4(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-ii"},{"clause":"4(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-iii-a"},{"clause":"4(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-iii-b"},{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-1"},{"clause":"4(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-v"},{"clause":"4(VI)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-vi"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For any query or grievance, contact the respective branch office, call 1800-2666, or use the Grievance Redressal subsection on www.icicilombard.com. If the resolution is not satisfactory, the policy then points to IRDAI through Bima Bharosa or IGCC, and the Insurance Ombudsman.","display":"First contact ICICI Lombard branch office, 1800-2666 or Grievance Redressal on www.icicilombard.com; then IRDAI/Bima Bharosa/IGCC or Insurance Ombudsman","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre(IGCC) at their toll free no. 1800 4254 732 / 155255. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":null,"heading":"CHAPTER 9 - Grievance Clause","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-chapter-9-grievance-clause"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning; burglary/housebreaking/theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":null,"quote":"damage to the vehicle insured hereunder and/or its accessories whilst thereon I) By fire explosion self ignition or lightning; II) By burglary housebreaking or theft; III) By riot and strike; IV) By earthquake (fire and shock damage); V) By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; VI) By accidental external means; VII) By malicious act; VIII) By terrorist activity; IX) Whilst in transit by road rail inland-waterway lift elevator or air; X) By landslide rockslide.","sources":[{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time by informing the insurer. If the term is up to one year and no claim has been made, the insurer refunds proportional premium for the unexpired policy period; if the term is more than 12 months, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"Proportional refund for unexpired period if term is up to 1 year and no claim; for term over 12 months, refund for unexpired policy years whose risk has not commenced","note":"Special refund rules are printed for total loss/total theft/cash loss and double insurance.","quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancelation, the insurer will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the insurer will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"4(VI)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-vi-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the 'geographical area' but does not print the geographic area or countries.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Motor Own Damage","Motor Third Party","Motor Personal Accident"],"display":"Bundled cover with Motor Own Damage, Motor Third Party and Motor Personal Accident","note":"Own Damage is for one year, Act Liability is for five years, and Personal Accident is for one year or long term as stated in the schedule.","quote":"Interests Insured • Motor Own Damage • Motor Third Party • Motor Personal Accident (if opted by you and as mentioned in your policy schedule)","sources":[{"clause":"Row 1","heading":"Product Name BUNDLED - TWO WHEELER POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19911#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured, subject to the schedule limits, against legal liability for death of or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than property belonging to the insured or held in trust or custody or control of the insured.","display":"Covers third-party death or bodily injury and third-party property damage, subject to schedule limits","note":"The wording does not print an unlimited death or injury limit; it refers to the schedule.","quote":"Subject to the limits of liability as laid down in the\nSchedule hereto the Company will indemnify the ... Death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-1-2"},{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-a"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-b"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is deemed to be the sum insured and is fixed at the commencement of each policy period based on the manufacturer's listed selling price, adjusted by the depreciation grid. IDV is treated as market value during the policy period for total loss, constructive total loss and cash loss claims.","display":"IDV is the sum insured, fixed at policy commencement from the manufacturer's listed selling price and depreciation grid; market value for TL/CTL/Cash Loss","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL)/Cash Loss claims.","sources":[{"clause":"2","heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-2"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-b-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries, 30% for fibre glass components and Nil for glass. Painting applies 50% on material cost, and other parts have age-based depreciation from Nil up to 50%.","display":"Parts: rubber/nylon/plastic/tyres/tubes/batteries 50%, fibre glass 30%, glass Nil, painting material 50%; other parts Nil to 50% by vehicle age","note":"For a consolidated painting bill, the material component is considered as 25% of total painting charges for applying depreciation.","quote":"I. For all rubber/ nylon/ plastic parts, tyres, tubes and batteries -50%\nII. For fibre glass components 30%\nIII. For all parts made of glass Nil\nV. Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... AGE OF THE VEHICLE | % OF DEPRECIATION\nand is deemed to be incorporated herein has applied to ICICI\nNot exceeding 6 months | Nil ... Exceeding 5 years but not exceeding 10 years | 40% ... Exceeding 10 years | 50%","sources":[{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-1"},{"clause":null,"heading":"CHAPTER 1 - Policy Period And Sum Insured","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-chapter-1-policy-period-and-sum-insured"},{"clause":null,"heading":"Applicability of coverage","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-applicability-of-coverage"},{"clause":null,"heading":"NOW THIS POLICY WITNESSETH","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-now-this-policy-witnesseth"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus, wherever applicable, is a discount on own-damage premium of 20% after the preceding full year claim-free, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years and 50% after 5 consecutive years.","display":"20%, 25%, 35%, 45% and 50% own-damage premium discount for 1 to 5 claim-free years","note":null,"quote":"NCB No Claim Bonus, wherever applicable, will be as per the following table\nALL TYPES OF VEHICLES | % OF DISCOUNT ON OWN\nDAMAGE PREMIUM\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":"1","heading":"Pay As You Use (PAYU) plan: This Add-on would convert the base motor product","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19871#c-1"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The CIS states that the compulsory deductible is listed in the policy schedule and that a compulsory deductible of Rs 100/- would be applied.","display":"Rs 100/- compulsory deductible, as mentioned on policy schedule","note":"The policy wording says the deductible is the amount stated in the schedule.","quote":"Compulsory Deductible: Your compulsory deductible, listed in your policy schedule, depends on your vehicle's engine size or kilowatt (KW) rating: • As mentioned on policy schedule Compulsory Deductible of Rs 100/ - would be applied.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19911#c-customer-information-sheet-2"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be chosen by the insured under Section 1 for a premium discount. The CIS table shows voluntary deductible options of ₹ 500/-, ₹ 750/-, ₹ 1000/-, ₹ 1500/- and ₹ 3000/- with own-damage premium discounts of 5%, 10%, 15%, 20% and 25%, subject to discount caps.","display":"Optional voluntary deductible: ₹ 500/- to ₹ 3000/-; 5% to 25% own-damage premium discount","note":"The policy wording states that under IMT. 22. A the insured bears the first aggregate deductible amount for each event under Section 1.","quote":"Voluntary Deductible: If you’ve chosen a voluntary deductible, the amount is shown in your policy schedule. Please check the table in your policy for the details: VOLUNTARY DEDUCTIBLE DISCOUNT Amount % Two -Wheeler - Own Discount Up Damage Premium to ₹ 500/ - 5% ₹ 50/- ₹ 750/ - 10% ₹ 75/- ₹ 1000/ - 15% ₹ 125/ - ₹ 1500/ - 20% ₹ 200/ - ₹ 3000/ - 25% ₹ 250/ -","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19911#c-customer-information-sheet-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The policy undertakes to pay compensation for bodily injury or death sustained by the owner-driver in direct connection with the insured vehicle, including while mounting into, dismounting from or travelling in the vehicle as co-driver. The total liability is a minimum of ` 15,00,000/- or a higher amount opted and mentioned in the schedule, with 100% for death, loss of two limbs/two eyes/one limb and one eye or permanent total disablement, and 50% for loss of one limb or one eye.","display":"Owner-driver PA: minimum ` 15,00,000/-; 100% for death or specified severe disablement, 50% for loss of one limb or one eye","note":"The owner-driver must be the registered owner, the insured named in the policy, and hold an effective driving licence at the time of accident.","quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the Owner-Driver of the vehicle in direct connection with the vehicle insured or whilst mounting into/dismounting from or traveling in the insured vehicle as a co-driver ... (I) Death | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... total liability of the insurer shall not in the aggregate exceed the sum insured being a minimum of ` 15,00,000/- or such higher amount as may be opted by the Insured upon payment of additional premium and as mentioned in the policy schedule","sources":[{"clause":null,"heading":"SECTION Ill -PERSONAL ACCIDENT COVER FOR","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-section-ill-personal-accident-cover-for"},{"clause":"4(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-iii-b"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Garage Cash","NCB Protect","Return to Invoice","Zero Depreciation","Road S ide Assistance","Emergency Medical Expenses","Motor Floater","Telematics","Battery Protect Cover","Driving Accessories Cover","Engine Protect Plus","Key Protect","Tyre and Wheel Rim Protect","Consumables Cover","IL Smart Assist","War Risk Cover","Motor Sahayak"],"display":"Garage Cash; NCB Protect; Return to Invoice; Zero Depreciation; Road Side Assistance; Emergency Medical Expenses; Motor Floater; Telematics; Battery Protect Cover; Driving Accessories Cover; Engine Protect Plus; Key Protect; Tyre and Wheel Rim Protect; Consumables Cover; IL Smart Assist; War Risk Cover; Motor Sahayak","note":"Add-ons apply only if opted and mentioned in the policy schedule.","quote":"Garage Cash: You will receive a daily allowance (as opted), for vehicle repairs, subject to a minimum number of days (as specified in your policy schedule) that the vehicle remains in the garage. | 7.1\nNCB Protect: Your No Claim Bonus (NCB) eligibility remains protected, as per the plan you've chosen, even if you make a claim. | 7.2\nReturn to Invoice: Covers the gap between the insured amount and the vehicle's invoice declared value and the new vehicle purchase price plus road tax, insurance cost & registration charges. | 7.3\nZero Depreciation: Covers the full cost of applicable parts without depreciation during repairs. | 7.4\nRoad S ide Assistance: 24X7 on -road assistance if your vehicle is immobilised due to breakdown or accident. | 7.5\nEmergency Medical Expenses: Covers hospitalization expenses for vehicle passengers, along with daily hospital cash and other opted benefits. | 7.6\nMotor Floater: One Policy for all your vehicles. | 7.7\nTelematics : Pay as you use - coverage is based on the number of kilometres you choose. | 7.8\nBattery Protect Cover : Covers the cost of battery repair or replacement due to consequential damages . | 7.9\nDriving Accessories Cover: Covers the cost of repair & replacement of damaged driving accessories upto Sum Insured. | 7.10\nEngine Protect Plus: Covers engine repair/replacement costs due to consequential damages. | 7.11\nKey Protect: Covers the cost of replacing lost or stolen keys, up to opted sum insured . | 7.12\nTyre and Wheel Rim Protect: Covers the repair/replacement cost of damaged tires and Wheel Rim . | 7.13\nConsumables Cover : Covers cost for consumable items e.g. nut/bolt/screw etc. in repairs. | 7.14\nIL Smart Assist: Comprehensive list of services (as specified in your policy schedule) to support at the every distress situation of the customer. | 7.15\nWar Risk Cover: Covers accidental loss damage arising from war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny rebellion, Military or usurped power or by any direct or indirect consequence of any of the said occur rences. | 7.16\nMotor Sahayak : Covers accident related assistance, RTO documentation support, and reimbursement of eligible defence expenses, including support for bail application proceedings, Traffic Challan Regularization and insured vehicle release procedures, as per policy terms and conditions. | 7.17","sources":[{"clause":"Row 1","heading":"Product Name BUNDLED - TWO WHEELER POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19911#c-row-1"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["outside the geographical area","contractual liability","Being used otherwise than in accordance with the . Limitations as to Use.","Hire or Reward","Organised racing","without a valid driving license","under the influence of intoxicating liquor or drugs","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area; contractual liability; use outside limitations including hire or reward and racing; no valid licence; intoxicating liquor or drugs; wear and tear/breakdown; tyre/tube damage alone; accessories theft unless vehicle stolen; nuclear weapons; war","note":null,"quote":"Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the . Limitations as to Use. ... The Policy covers use of the vehicle for any purpose other than: Hire or Reward, Carriage of goods (other than samples of personal luggage), Organised racing, Pace Making, Reliability trails or Speed testing, any purpose in Connection with Motor Trade. ... Provided that a person driving holds an effective driving license at the time of the accident ... under the influence of intoxicating liquor or drugs. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages. ... Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ... nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-i"},{"clause":"4(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-ii"},{"clause":"4(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-iii-a"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-chapter-4-limitations-as-to-use"},{"clause":null,"heading":"CHAPTER 5 - Driver's Clause","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-chapter-5-driver-s-clause"},{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-1"},{"clause":"4(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-v"},{"clause":"4(VI)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-vi"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is Insured's Declared Value. IDV is fixed at commencement of each policy period from the manufacturer's listed selling price of the insured brand and model, subject to the depreciation grid and agreed adjustments, and is treated as market value for total loss, constructive total loss and cash loss claims.","display":"IDV, treated as market value for TL/CTL/Cash Loss","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the insured vehicle at the commencement of insurance/ renewal ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL)/Cash Loss claims.","sources":[{"clause":"2","heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-2"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261#c-4-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Bundled - Two Wheeler Policy","pages":36,"fetched_at":"2026-10-20 02:27:41+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-policy-wording.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20261"},{"kind":"wording","label":"Bundled - Two wheeler Policy - IRDAN115RP0007V01201819","pages":10,"fetched_at":"2026-10-20 02:57:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-policy8c0007ff45fd68ff8a0df00560099f05.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20872"},{"kind":"wording","label":"Return to Invoice - Bundled - Two Wheeler Policy - IRDAN115RP0007V01201819/A0031V02201819","pages":35,"fetched_at":"2026-10-20 03:01:43+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-pw.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20999"},{"kind":"wording","label":"Bundled - Two wheeler Policy (IRDAI copy)","pages":31,"fetched_at":"2026-10-20 00:31:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0007V01201819_GEN2454.pdf/00d82b9b-e8ad-1e00-2da3-f7bac1df9eb9?version=1.1&t=1668596014765&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/23773"},{"kind":"prospectus","label":"Bundled - 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Bundled Two Wheeler policy - IRDAN115RP0007V01201819/A0032V02201819","pages":7,"fetched_at":"2026-10-20 03:07:47+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-bundled---two-wheeler-policy8c0007ff45fd68ff8a0df00560233c01.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/21168"},{"kind":"prospectus","label":"Return to Invoice - Bundled - Two Wheeler Policy","pages":2,"fetched_at":"2026-10-20 03:08:48+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-bundled---two-wheeler-policy8c0007ff45fd68ff8a0df0056030f1e6.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/21200"},{"kind":"prospectus","label":"Return to Invoice - Bundled - Two Wheeler Policy - IRDAN115RP0007V01201819/A0031V02201819","pages":2,"fetched_at":"2026-10-20 03:09:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-bundled---two-wheeler-policy8c0007ff45fd68ff8a0df00560310ecf.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/21209"},{"kind":"prospectus","label":"Motor Sahayak - 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Two Wheeler Policy CIS","pages":6,"fetched_at":"2026-10-20 02:01:38+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-policy-cis8c0007ff45fd68ff8a0df0055f8606ab.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/19911"},{"kind":"cis","label":"Motor Sahayak - Bundled Two Wheeler Policy CIS - IRDAN115RP0019V02202122/A0165V01202627","pages":6,"fetched_at":"2026-10-20 02:58:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-policy-cis8c0007ff45fd68ff8a0df0056048fa35.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122/document/20890"}],"versions":[{"uin":"IRDAN115RP0007V01201819","version":null,"approved_on":null},{"uin":"IRDAN115RP0019V02202122","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Bundled - Two Wheeler Policy (UIN IRDAN115RP0019V02202122), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/bundled-two-wheeler-policy-irdan115rp0019v02202122"}