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ICICI Lombard Two Wheeler Insurance
ICICI Lombard Two Wheeler Insurance

Oriental Two Wheeler Insurance
Oriental Two Wheeler Insurance



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ICICI Lombard Two Wheeler Insurance
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Oriental Two Wheeler Insurance

ICICI Lombard and Oriental Insurance

1 Details
1.1 Incurred Claims Ratio
1.1.1 Incurred Claims ratio
Magma HDI Two W..
91.64 %
Rank: 2 (Overall)
78.84 %
Rank: 9 (Overall)
National Liability Policy
1.1.2 Incurred Claims Ratio (2013-14)
Magma HDI Two W..
91.64 %
Rank: 2 (Overall)
78.84 %
Rank: 9 (Overall)
National Liability Policy
1.2 Policy Status
In-Force
In-Force
1.3 Online
1.3.1 Buy
All Comprehensive Policy Two Wheeler Insurance have it !
All Comprehensive Policy Two Wheeler Insurance have it !
1.3.2 Renew
All Comprehensive Policy Two Wheeler Insurance have it !
All Comprehensive Policy Two Wheeler Insurance have it !
1.4 Type of Plan
Comprehensive Package Policy
Comprehensive Package Policy
1.5 Depreciation For Fixing IDV
1.5.1 Less Than 6 Months
Shriram General..
5.00 %
Rank: 1 (Overall)
5.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.2 6 Months to 1 Year
Shriram General..
15.00 %
Rank: 1 (Overall)
15.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.3 1 Year to 2 Years
Shriram General..
20.00 %
Rank: 1 (Overall)
20.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.4 2 Years to 3 Years
Shriram General..
30.00 %
Rank: 1 (Overall)
30.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.5 3 Years to 4 Years
Shriram General..
40.00 %
Rank: 1 (Overall)
40.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.6 4 Years to 5 Years
Shriram General..
50.00 %
Rank: 1 (Overall)
50.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2 Covers
2.1 Personal Accident Cover
All Comprehensive Policy Two Wheeler Insurance have it !
All Comprehensive Policy Two Wheeler Insurance have it !
2.2 Death
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.2.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.3 Loss Of 2 Limbs
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.3.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.4 Loss Of Sight Of Both Eyes
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.4.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
ADD ⊕
2.5 Loss Of 1 Limb and Sight Of 1 Eye
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
National Liability Policy
ADD ⊕
2.5.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.6 Loss Of 1 Limb
HDFC Ergo Two W..
50 %
Rank: 2 (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.6.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.7 Loss Of Sight of 1 Eye
HDFC Ergo Two W..
50 %
Rank: 2 (Overall)
50 %
Rank: 2 (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.7.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.8 Permanent Total Disablement
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.8.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.9 Total Liability of Insurer
Bajaj Allianz T..
₹ 100000
Rank: 1 (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
2.10 Third Party Liability
All Comprehensive Policy Two Wheeler Insurance have it !
All Comprehensive Policy Two Wheeler Insurance have it !
3 Claims
3.1 24 x 7 Claim Support
3.1.1 Contact Number
1234567891
1800118485
3.1.2 Track Online
22% Comprehensive Policy Two Wheeler Insurance have it !
22% Comprehensive Policy Two Wheeler Insurance have it !
3.2 Cashless Garages
72% Comprehensive Policy Two Wheeler Insurance have it !
72% Comprehensive Policy Two Wheeler Insurance have it !
3.3 Garage Cash
17% Comprehensive Policy Two Wheeler Insurance have it !
17% Comprehensive Policy Two Wheeler Insurance have it !
3.4 Claim Settlement Duration
Magma HDI Two W..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bharati AXA Two Wheeler Insurance
ADD ⊕
3.5 Documents Required
3.5.1 Theft Claims
Claim Form dully signed, Copy of Driving License, Form 38, 29, 30 and 35 duly signed, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
Claim Form dully signed, Form 38, 29, 30 and 35 duly signed, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
3.5.2 Third Party Claims
Claim Form dully signed, Copy of Driving License, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
Claim Form dully signed, Copy of Driving License, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
3.5.3 Accidental Claims
Not Applicable
Claim Form dully signed, Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp, Copy of Driving License, Estimate of Repairs, Original Repair Invoice, Payment Recipt, Police Panchnama/ FIR, Policy/ Cover copy
4 Discounts
4.1 No Claim Bonus
94% Comprehensive Policy Two Wheeler Insurance have it !
94% Comprehensive Policy Two Wheeler Insurance have it !
4.1.1 1 Claim Free Year
Bajaj Allianz T..
20 %
Rank: 1 (Overall)
20 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.2 2 Claim Free Year
Bajaj Allianz T..
25 %
Rank: 1 (Overall)
25 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.3 3 Claim Free Year
Bajaj Allianz T..
35 %
Rank: 1 (Overall)
35 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.4 4 Claim Free Year
Bajaj Allianz T..
45 %
Rank: 1 (Overall)
45 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.5 5 Claim Free Year
Bajaj Allianz T..
50 %
Rank: 1 (Overall)
50 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.2 Automobile Association's Member
44% Comprehensive Policy Two Wheeler Insurance have it !
44% Comprehensive Policy Two Wheeler Insurance have it !
4.3 ARAI Anti Theft Device
44% Comprehensive Policy Two Wheeler Insurance have it !
44% Comprehensive Policy Two Wheeler Insurance have it !
4.4 Blind / Handicapped Persons
17% Comprehensive Policy Two Wheeler Insurance have it !
17% Comprehensive Policy Two Wheeler Insurance have it !
4.5 Voluntary Discount
33% Comprehensive Policy Two Wheeler Insurance have it !
33% Comprehensive Policy Two Wheeler Insurance have it !
5 Terms
5.1 Depreciation
5.1.1 Rubber/ Nylon/ Plastic Parts/ Tyres and Tubes/ Batteries
Shriram General..
50 %
Rank: 1 (Overall)
50 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
5.1.2 Fiber Glass Components
Shriram General..
30 %
Rank: 1 (Overall)
30 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
5.1.3 Glass Components
Shriram General..
0 %
Rank: N/A (Overall)
0 %
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
5.2 Inclusions
5.2.1 Natural
Cyclone, Earthquake, Explosion, Fire, Flood, Frost and Rockslide, Hailstorm, Inudation, Landslide, Self-Ignition or Lightning, Tempest, Typhoon
Earthquake, Explosion, Fire, Flood, Landslide, Self-Ignition or Lightning, Storm
5.2.2 Man-Made
Accident Caused By Third-Party, Any Damage Caused In Transit By Inland Waterway, Elevator Or Air, Lift, Malicious Act, Rail, Riot, Road, Strike, Terrorist Activity, Theft, Vandalism
Accident Caused By Third-Party, Any Damage Caused In Transit By Inland Waterway, Burglary, Elevator Or Air, Lift, Malicious Act, Rail, Riot, Road, Strike, Terrorist Activity, Theft
5.3 Deductibles
5.3.1 Voluntary
50% Comprehensive Policy Two Wheeler Insurance have it !
50% Comprehensive Policy Two Wheeler Insurance have it !
5.3.2 Compulsory
44% Comprehensive Policy Two Wheeler Insurance have it !
44% Comprehensive Policy Two Wheeler Insurance have it !

Details of ICICI Lombard and Oriental Insurance

While buying an insurance plan, one should check the incurred claims ratio of the insurance provider. Incurred claims ratio is a ratio of money spent on settling claims to money earned through premiums. This ratio for ICICI Lombard Two Wheeler Insurance is 91.64 % where as for Oriental Two Wheeler Insurance, it is 78.84 %. This ratio if published by IRDA every year the ones mentioned above are for the year 2014-2015. If you can buy or renew these policies online is mentioned in details of ICICI Lombard and Oriental Insurance. Only an "In-force" policy can be bought at the present time. Polices that are withdrawn by the insurer cannot be bought at the present time.

Covers and Claims

Multiple covers are provided by different insurance providers. These covers can be inbuilt in the policy or they can be provided by the insurer as additional or optional covers. ICICI Lombard and Oriental Insurance Covers may include personal accident cover, third party liability cover, cover against death due to an accident, cover against disability due to an accident, etc. Usually, a maximum sum that can be provided by insurer against personal accident claim is fixed. Personal accident cover is provided by ICICI Lombard Two Wheeler Insurance. Third party liability cover is provided by Oriental Two Wheeler Insurance.

Claims Process

Claim process of each insurance provider is specified in the brochure of the insurance plan. All insurers provide 24 x 7 claim support. Also documents required for claims differ based on the types of claims. Theft claims and Third Party claims usually require an FIR or police report. While Accidental claims usually require a copy of driving license, a copy of RC book, etc. Information about covers and claims for these insurance plans in provided in the policy brochure or policy wordings.

Discounts Provided by ICICI Lombard and Oriental Insurance

Discounts provided by ICICI Lombard and Oriental Insurance may include discount for automobile association members, for ARAI Anti theft device fitted to the vehicle, etc. No Claim Bonus is also usually provided by all insurance companies. Discount for members of automobile association is provided by ICICI Lombard Two Wheeler Insurance. Voluntary discount may also be availed by the policy holders and get reduced premium rates. Voluntary Discount is offered by Oriental Two Wheeler Insurance.

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