Electric Bike Insurance
A comprehensive electric bike insurance to Protect your Electric Bike & Electric Scooter
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
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Note: The above data is till 1st April, 2025
What is an Electric Bike Insurance?
Electric two-wheeler insurance is an insurance policy offered to protect two-wheelers running on electricity. The coverage provided includes both electric bike insurance as well as electric scooter insurance. Just like any other motor insurance, the policy typically covers third-party liability, potential damages, and losses to the vehicle arising from accidents, natural calamities or fire.
In recent years, e-bikes and scooters have turned out to be a sustainable alternative to regular fuel-driven bikes. Given its widespread adoption and the rising popularity of electric vehicles, insurance for e-bikes has become the need of the hour. If you own an electric bike or scooter, you need to have an electric bike insurance in place to continue driving on the path of protection, especially in India, where it is mandatory to have electric two-wheeler insurance by law. So before you set out riding on your new EV, remember to get a secure insurance for your e-bike.
Key features of Electric Bike Insurance
Zurich Kotak electric bike insurance offers extensive protection customised for EV owners:
Types of plans for electric bike insurance
Electric bike insurance plans are available in different forms to suit varying protection needs. Each plan offers a specific level of coverage depending on the risks you wish to insure against.
A comprehensive bike insurance plan offers wider coverage by combining third-party liability with own-damage protection. It covers repair or replacement costs if your electric bike is damaged due to accidents, theft, fire, or natural calamities. This option is suitable for those who want broader financial protection and reduced out-of-pocket expenses during unforeseen events.
Third party bike insurance plan covers your legal liability if your electric bike causes injury, death, or property damage to another person. It is mandatory under Indian law for electric two-wheeler that exceed prescribed speed and power limits. However, it does not provide any protection for damage to your own bike in case of an accident or other loss.
The own damage bike insurance plan specifically covers damage to your electric bike caused by accidents, theft, fire, or natural disasters. It does not include third-party liability on its own and must be purchased along with an active third-party policy. It is ideal for those who already have third-party cover but want added protection for their vehicle.
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Fire
Don’t let fire damage to your bike ruin your life. Stay protected against any loss and get compensated for damages caused by fire.
Natural disasters
When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.
Third-party damage
We’ll cover you for all third-party damages caused due to a road accident or any other mishap involving your two-wheeler. You are protected against accidents and mishaps on the road.
Personal accident
A comprehensive bike insurance policy also offers personal accident cover of up to 15 lakhs for the owner/driver of the bike. The benefit under the PA cover is paid in case of death or permanent total disablement of the owner/driver in an accident.
Theft
You should never have to worry about anything when it comes to protection from theft. Because two-wheelers are easy targets for thieves, we'll cover it all for your bike.
Man-made events
We safeguard your vehicle against all man-made events such as theft, burglary, strikes and riots. We keep your vehicle safe & protected always.
Wear, tear & general aging of vehicle
Does not cover any damages due to normal wear and tear and general aging of the vehicle
Depreciation or consequential losses
Coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).
Vehicle used otherwise
Does not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.
Mechanical/Electrical breakdown
Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.
Any contractual liability
You are not covered under our insurance policy for any contractual liability if you are found to be responsible for the damages.
Influence of drugs or liquor
Does not cover damage to/by a person who is driving under the influence of drugs or alcohol.
Vehicle without valid license
Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.
Nuclear risk or war
Does not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service.
Which Electric Scooters need Insurance?
It is recommended to insure your favourite electric scooter against any possible occurrence, be it natural or man-made. According to the Motor Vehicle Act 1988, if your vehicle has above 250W of motor power and exceeds the speed of 25 km per hour, it is necessary to have a third-party insurance on your electric scooter. There are a host of electric rides available in India that require e-scooter insurance for road use. Zurich Kotak offers electric scooter insurance for renowned brands like Ampere, Ather, Bajaj, Bgauss, Hero Electric, Okinawa, Ola, TVS, and many others. Possessing an e-scooter insurance keeps you secure from accidents, mishaps, or unpredictable events, including theft. Given the fact that e-scooters are not immune to such occurrences, it is always better to secure them with an electric scooter insurance policy against every disaster coming your way.
Third-party Insurance Premium Rates for Electric Bike
Now onto the most crucial question of them all! What is the determining factor for calculating electric bike premium? To determine electric bike premiums, various factors are taken into account including kilowatt capacity, make, model, and age. The Insurance Regulatory and Development Authority of India (IRDAI) regulates third-party electric bike premiums and electric scooter premiums. It considers the e-bike’s kilowatt capacity to calculate the third-party insurance premium rates. The premiums for electric bikes and electric scooters in India are as follows:
TWO-WHEELERS WITH KILOWATT CAPACITY (KW) | PREMIUM RATE FOR 1-YEAR POLICY (in ₹) | PREMIUM RATE FOR LONG-TERM POLICY (5-YEAR) (in ₹) |
Less than 3 kW | ₹ 457 | ₹ 2,466 |
More than 3 kW but less than 7 kW | ₹ 607 | ₹ 3,273 |
More than 7 kW but less than 16 kW | ₹ 1,161 | ₹ 6,260 |
More than 16 kW | ₹ 2,383 | ₹ 12,849 |
How to buy the right Electric Bike Insurance Policy
Buying electric bike insurance for your e-bike might seem like a daunting task, but it is actually not if you know what it entails. Before you decide to buy the plan, make sure that you compare the e-scooter insurance prices and opt for the one best suiting you. When looking for e-bike insurance policies online, you ought to consider buying an electric bike insurance plan with extensive coverage against all third-party liabilities, damages, and unforeseen events. It also helps to understand the inclusions and exclusions of the insurance policy before finalising on the plan. Zurich Kotak is one of the most trusted e-bike insurance available online offering the best coverage and services at a reasonable price range. So the next time you’re looking for e-bike insurance online, leave your worries aside and opt for Zurich Kotak.
E-bike Insurance Add-On Covers
Add-on covers are optional features that extend the protection of a standard e-bike insurance policy, helping reduce out-of-pocket expenses during repairs or total loss. Here are a few listed below to strengthen your cover:
Depreciation cover
This add-on ensures that the claim amount is settled without deducting depreciation on replaced parts. It allows you to receive a higher payout during repairs, as the insurer bears the depreciation cost on eligible components.
Return to Invoice
Under this cover, the insurer pays the difference between the original invoice value of your e-bike and its Insured Declared Value (IDV) in case of total loss or theft. This helps you recover an amount closer to the purchase price.
Consumables cover
This add-on pays for the cost of consumable items such as nuts, bolts, screws, lubricants, and similar materials required during repairs, which are usually not covered under a standard policy.
Engine Protect
Engine protection covers repair or replacement expenses if the engine is damaged due to water ingression or leakage, which is generally excluded under basic coverage.
Garage Cash
This cover provides a fixed daily allowance to meet travel expenses while your e-bike remains in the garage for repairs.
How to Buy Electric Bike Insurance from Zurich Kotak
Hassle-free insurance at your fingertips with our easy and fast online process
Get all-round protection for your precious two wheeler in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the bike & scooter insurance buying process to a few simple steps.
Click on the "Get A Quick Quote" button on Bike Insurance page.
Fill in your vehicle details such as registration number, model, make etc.
Check quote, fill in your personal details and make the payment online.
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Zurich Kotak Bike insurance Reviews & Ratings
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How to calculate electric bike insurance premium?
Calculating your electric bike insurance premium is simple with the help of an online premium calculator. These digital tools provide an instant estimate based on your vehicle details and selected coverage options.
Here is how you can calculate it:
Step 1: Enter your bike details: Provide the registration number. If it is not available, select the make, model, variant, battery type, and year of manufacture.
Step 2: Select the policy type: Choose between third-party insurance or comprehensive coverage according to your protection needs.
Step 3: Choose the insured declared value (IDV): Adjust the IDV as required, keeping in mind that a higher IDV increases the premium and a lower IDV reduces it.
Step 4: Add optional covers: Include suitable add-ons such as depreciation cover or engine protect, if needed.
Step 5: Review the premium: The calculator will instantly display the premium amount based on the details provided.
Factors to consider while buying the best electric bike insurance
When selecting electric bike insurance, consider the following important factors:
Tips to reduce electric bike insurance premiums
Managing your electric bike insurance premium is possible with careful choices and responsible riding habits. The following practical steps can help you lower your premium without reducing essential coverage.
Maintain a claim-free record: Avoid making minor claims. A clean claim history helps you earn a No Claim Bonus, which reduces your renewal premium.
Choose the right insured declared value (IDV): Select an IDV that reflects the actual market value of your e-bike. An unnecessarily high IDV increases the premium.
Opt for a voluntary deductible: Agreeing to pay a higher deductible at the time of claim can lower your premium.
Install approved security devices: Anti-theft devices reduce risk and may qualify you for discounts.
Select add-ons carefully: Avoid unnecessary add-ons and choose only those that match your usage and riding conditions.
Renew on time: Timely renewal prevents loss of benefits and helps you retain applicable discounts.
Factors affecting electric bike insurance premiums
The premium for electric bike insurance depends on multiple factors that determine the overall risk and coverage level. Below are the key elements that influence the final premium amount:
How to renew electric bike insurance policy online from Zurich Kotak
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak allows you the easy process of renewing your bike insurance policy online.
Visit https://www.zurichkotak.com/renewal and select the type of two-wheeler insurance policy which is due for renewal. For example, if you want to renew a comprehensive two-wheeler insurance policy, then select comprehensive two-wheeler insurance.
Then, fill in your two-wheeler insurance policy number, registration number, chassis number and your mobile number. Now, click on ‘Submit’
The insurance company would then validate your two-wheeler policy number and show the details of your policy on the screen after verification.
Check the details of your policy, choose add-ons if you want to buy any and review the premium of your plan.
Pay the premium and your policy would be renewed instantly with a confirmation on your registered email Id and mobile number. You can pay the premium online through any digital payment mode like credit or debit cards, mobile wallets, net banking UPI, etc.
How To raise a claim under Electric Bike Insurance?
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents Required for E-bike Insurance Claim
Get familiar with the documents needed for speedy claim process
Documents required for bike insurance claim
To raise a bike insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
Steps to download physical copy of Bike Insurance Policy
Here is your step-by-step guide to access your policy copy
After you buy a policy online, the soft copy of the bike insurance policy is instantly issued and sent to the registered email ID. Thereafter, the physical copy of the bike insurance policy is sent through mail within a few days. If you are unable to find the soft copy of bike insurance policy in your email or if you have misplaced the physical copy, you can download the policy online
Visit our website www.zurichkotak.com
Click on ‘Download Policy Copy’ under Login button on top right-hand corner
Enter the policy number, registered mobile number or the registered email ID and click on ‘Get OTP’
An OTP would be sent to your registered mobile number and email ID. Enter the OTP in the required field and submit
The policy copy would be available for download. You can download it on your system and save it for future use
Bike Insurance glossary
There's always more to know about bike Insurance
The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy
The IDV is the maximum coverage amount set by the insurer for a vehicle, based on the manufacturer's price adjusted for depreciation. In case of total loss, it represents the compensation to the policyholder.
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
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Frequently Asked Questions About Electric Bike Insurance Policy
As opposed to regular bikes which operate on fuel, electric bikes run on electricity and are considered to be eco-friendly in the long run. You can secure these e-bikes with a third-party insurance policy plan.
E-bikes fall under the category of motorised vehicles and are excluded from any coverage of homeowners insurance.
The cost depends upon the kilowatt capacity of the motor and varies according to the make, model, and age of the e-bike.
Electric bike insurance plans typically fall under two major categories, third-party insurance and comprehensive insurance.
As per the Motor Vehicles Act 1988, it is mandatory to insure your electric bike against third-party damages if it’s running on a motor functioning above 250W and exceeds 25 km/h in speed.
No. You cannot insure your electric scooter without registration if you own one which has a motor operating above 250-watt and exceeds the top speed of 25 kmph.
Look for options available, consider the plans in your desired price range, and choose the policy that fits your budget while offering you a wide range of services and extensive coverage.
Electric bikes are fitted with advanced components such as lithium-ion batteries, controllers, and specialised electrical systems. The repair or replacement cost of these parts is generally higher than that of conventional two-wheelers. As a result, the overall risk and claim value increase, which may lead to a comparatively higher premium.
If your e-bike exceeds the prescribed speed and motor power limits under applicable regulations, third-party insurance is mandatory. Even when not legally required, insurance is strongly recommended to safeguard against accidental damage, theft, and third-party liability.
You must carry a valid driving licence, registration certificate, and valid insurance policy details. These documents may be carried in physical or approved digital format as per regulatory guidelines.
Electric bikes do not run on fuel and therefore do not require a pollution under control certificate.
Claims may be declined if the rider does not possess a valid and legally recognised driving licence at the time of the accident.
You can choose from third-party insurance, own-damage insurance, or a comprehensive policy that combines both covers for broader protection.
Insurance is required for e-bikes that fall under the legal definition of a motor vehicle based on speed and motor capacity.
Insurance is mandatory if the electric scooter exceeds specified speed and power limits under motor vehicle regulations.
You can compare plans online by reviewing coverage scope, insured declared value options, available add-ons, premium amounts, and claim support services before making a decision.
It is compulsory for electric bikes that meet the criteria specified under the Motor Vehicles Act. Third-party liability insurance is mandatory in such cases.
A comprehensive policy is generally preferred as it covers third-party liability along with damage to your own e-bike due to accidents, theft, fire, or natural calamities.
The premium depends on factors such as the bike’s insured declared value, make and model, registration location, policy type, and selected add-ons.
Battery damage may be covered if it results from insured events such as accidents or natural calamities, subject to policy terms and conditions
You can visit the insurer’s website, enter your vehicle details, select the desired coverage and add-ons, review the premium quote, and complete the payment digitally.
Claims can be raised for covered losses such as accident damage, theft, or natural calamities, subject to policy conditions.
Add-on covers are optional benefits and can only be purchased along with a valid base insurance policy.
Assess your coverage needs, review inclusions and exclusions, compare premiums, and consider suitable add-ons before finalising the plan.
The overall structure is similar; however, EV policies take into account specialised electric components and battery-related risks.
Yes, such damages are covered under a comprehensive policy, subject to the terms and conditions of the plan.
Electric bikes involve higher repair costs and specialised parts, which increase the overall risk exposure and may result in higher premiums.
