How to Claim ICICI Lombard Bike Insurance: Complete Step-by-Step Process with Pros, Cons, and Real User Insights
How to ICICI Lombard bike insurance claim Having a two-wheeler insurance policy is essential for every rider. It protects you financially against accidents, thefts, and damages. When an unfortunate incident occurs, understanding how to claim your ICICI Lombard bike insurance correctly ensures your experience stays smooth and stress-free.
- Step-by-step process to file your claim
- Different claim registration options
- Required documents
- Common customer experiences
- Pros and cons of ICICI Lombard’s claim process
- Frequently asked questions and practical tips
Ways to Register an ICICI Lombard Bike Insurance Claim
1. Call the 24×7 Helpline
You can immediately contact their call center on 1800-2666.
- A customer service executive will register your claim and share your claim reference number.
- You’ll receive guidance on the next steps — such as inspection, documentation, and garage tie-ups.
This is often the quickest and most reliable way to begin your claim.
2. Send an SMS
Simply text CLAIM to 575758 from your registered mobile number.
You’ll receive a confirmation message and follow-up instructions from the claim team.
3. Online via the Official Website
Visit icicilombard.com, go to the ‘Claims’ section, and log in using your registered email or policy number.
- Enter your policy details and submit your claim form.
- You’ll receive a confirmation and further steps via email or SMS.
Other Claim Registration Options (Based on Real User Experience)
Option A – Through an Authorized Garage
You can visit your bike manufacturer’s authorized service center that has a tie-up with ICICI Lombard.
- Show your valid policy copy.
- The workshop team can register your claim directly and coordinate with the insurer.
Always confirm the tie-up status before dropping off your vehicle.
Option B – Visit a Branch Office
If you prefer in-person communication, visit the nearest ICICI Lombard office.
Submit a written request and supporting documents to file the claim.
This method is slower due to office timings but may suit those who want a physical acknowledgement.
Option C – Through Your Insurance Agent
If you bought your policy via an agent, they can assist you with the process.
However, in most cases, the agent will still direct you to call the official helpline to register the claim.
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Step-by-Step ICICI Lombard Bike Insurance Claim Process
Step 1. Report the Incident
Immediately inform ICICI Lombard through their helpline, website, or app. Quick reporting helps avoid claim rejection.
Step 2. Move Your Bike to Safety
Ensure your vehicle is in movable condition and there’s no third-party injury or major damage before proceeding.
Step 3. Visit the Garage
Drop your bike at the authorized workshop or garage.
Fill the claim form — it’s usually available at the garage or downloadable from the website.
Step 4. Call the Claim Helpline
Call the helpline again to confirm that your claim has been registered.
Provide details such as:
- Policy number
- Date and location of incident
- Damage details
You’ll receive a claim number for tracking.
Step 5. Survey and Inspection
An insurance surveyor will visit the workshop to assess your vehicle’s damage.
They will prepare a report, verify the cause, and estimate the repair cost.
- Plastic parts: typically 50% coverage
- Metal parts: around 80% coverage
Step 6. Claim Approval
After verification, the insurer approves the claim amount based on the surveyor’s report.
Step 7. Repair and Settlement
Once approved:
- The garage repairs the vehicle.
- You either get a cashless service (if the garage is networked) or pay upfront and get reimbursed later.
- Settlement is usually processed within 7–10 working days after final bill submission.
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Documents Required for ICICI Lombard Bike Insurance Claim
| Document | Purpose |
|---|---|
| Copy of bike RC (Registration Certificate) | Proof of ownership |
| Copy of driving licence of rider | Verifies eligibility to ride |
| Copy of your insurance policy | Confirms policy validity |
| Claim form (filled and signed) | Official claim request |
| FIR (if another vehicle is involved) | Required for police record |
| Repair estimate & final bills | For reimbursement verification |
Note: It’s often advised not to mention another vehicle in minor incidents to avoid unnecessary legal delays.
Real Customer Experiences
Not all claim journeys are smooth — some users have shared mixed experiences with ICICI Lombard’s claim process.
“I registered my claim through the helpline, and the claim number arrived immediately. The garage and surveyor process went fine, and I received my payment in 9 days.” – Suresh, Hyderabad
However, others have expressed dissatisfaction regarding rejection and communication delays.
“My bike met with an accident a month after purchase. I submitted all documents at their authorized center. The surveyor delayed inspection, and after a month, the claim was rejected saying the damage was old. That was very disappointing.” – Rajesh, Mumbai
“I was unaware of something called a ‘breaking photo.’ My agent never told me. Later, the insurer said the claim couldn’t be processed because that photo was missing. It felt unfair because I wasn’t informed.” – Ankit, Pune
These cases highlight how documentation clarity and timely follow-up are crucial for a positive claim experience.
Pros and Cons of ICICI Lombard Bike Insurance Claim Process
| Pros | Cons |
|---|---|
| Multiple claim registration methods (call, SMS, online) | Some users report delayed claim approvals |
| Wide network of authorized garages | Inconsistent surveyor experiences |
| Cashless and reimbursement options available | Complex documentation for some claims |
| 24×7 helpline support | Lack of clear communication in rare cases |
| Easy online tracking through website | Certain rejections due to procedural issues |
Comparison: ICICI Lombard vs Generic Insurance Claim Process
| Feature | ICICI Lombard | Generic Insurance Process |
|---|---|---|
| Claim registration methods | Call, SMS, online, garage | Usually phone or online only |
| Surveyor timeline | Within 24–48 hours | 48–72 hours average |
| Cashless garage tie-ups | Wide network across India | Varies by insurer |
| Claim tracking | Real-time online portal | Often through agent or call center |
| Processing speed | 7–10 working days | 10–15 working days on average |
| Communication | Automated SMS/email updates | Often manual follow-ups required |
Lessons from Real Experiences
- Always confirm documentation with your insurer or agent at the time of purchase — especially things like photos or inspection proofs.
- Keep communication records, including SMS and emails with timestamps.
- Ask for written reasons if your claim is delayed or rejected.
- Be patient but persistent. Sometimes surveyor visits or internal approvals take time.
- Renew your policy before expiry to avoid coverage breaks that may affect future claims.
Buying & Claiming Guide
Before Buying
- Review inclusions such as zero-depreciation cover and personal accident cover.
- Confirm tie-ups with nearby garages.
- Ensure your vehicle’s inspection or “breaking photo” is properly uploaded during purchase.
When Filing a Claim
- Report immediately after the incident.
- Take clear photos of the damage and accident spot.
- Do not repair the bike before surveyor inspection.
- Cooperate fully with the insurer’s questions.
After Claim Settlement
- Retain all claim documents for future reference.
- Check the claim settlement details in your account or email confirmation.
Realistic Overview – User Perspective
Some customers appreciate ICICI Lombard’s quick claim registration and 24×7 helpline. Others faced challenges due to unclear documentation requirements or surveyor handling.
“The process is structured but communication gaps make it frustrating sometimes.” – Kiran, Bengaluru
“Once I understood the online claim flow, it became easy to track everything myself.” – Manish, Delhi
In general, most riders agree that success depends less on the brand and more on how well-prepared the customer is with documents and follow-up.
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FAQs – ICICI Lombard Bike Insurance Claim
Q1. How can I register my bike insurance claim with ICICI Lombard?
You can call 1800-2666, send ‘CLAIM’ to 575758, or file it online via their website.
Q2. How long does it take for claim settlement?
Usually 7–10 working days, provided all documents are submitted correctly.
Q3. Can I claim multiple times under one policy?
Yes, as long as the damages occur during the policy period and meet claim eligibility.
Q4. What if my claim is rejected?
You can request written clarification, provide additional evidence, or escalate through customer grievance channels.
Q5. What is a “breaking photo”?
It’s the image captured during policy issuance showing the undamaged vehicle. Missing this can cause disputes later.
Q6. What documents are mandatory?
Your bike’s RC, driving licence, insurance policy copy, filled claim form, and FIR (if applicable).
Q7. Is online claim submission safe?
Yes. ICICI Lombard’s website uses secure encryption and sends acknowledgment receipts for every claim.
Conclusion
The ICICI Lombard bike insurance claim process offers multiple convenient options — phone, SMS, and online — allowing riders to choose what suits them best.
However, documentation accuracy, timely communication, and clear understanding of policy terms play the most important roles in ensuring successful claim settlements.
Some customers report smooth, quick resolutions; others face delays or rejections due to missing details or procedural gaps.
The best advice from real users:
“Keep your paperwork right, don’t wait to report damage, and stay polite but persistent.”
