Scooter & Scooty Insurance
Limit your speed, not your two-wheeler insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4400+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
What is Scooter Insurance?
A scooter may be easy to ride, but it is also one of the most exposed vehicles on the road. From sudden brake stops and close traffic to scratches, falls, and theft, even minor incidents can quickly turn into unexpected expenses. Scooter insurance exists to address these everyday realities by covering the costs of damage, accidents, and third-party claims, while also meeting legal requirements. Whether you choose third-party insurance or comprehensive insurance for scooty, the right policy helps you avoid financial disruption when things do not go as planned. Zurich Kotak backs this with straightforward policy communication and a 4,600+ cashless garage network across India, ensuring repairs are handled more smoothly without the pressure of immediate out-of-pocket payments.
Scooter insurance plans in India are primarily of two types
Third party scooty insurance plans
A third-party insurance for scooty is the basic cover which is mandated under the Motor Vehicles Act, 1988. The plan undertakes your financial liability if your scooter causes financial loss to any third party.Comprehensive scooter insurance plans
Comprehensive plans have a wider scope of coverage. They cover the mandatory third-party liability and also extend coverage for the damages that your scooter might suffer.
Key features of Scooter Insurance from Zurich Kotak
Scooter insurance from Zurich Kotak is structured to make scooty insurance simple, practical, and cost-effective, whether you choose to buy scooty insurance for daily commuting or long-term use. These features help maintain clarity around scooty insurance
Benefits of Scooter insurance
Choosing the right scooty insurance goes beyond legal compliance and supports smoother, more organised ownership. Whether you plan to buy scooty insurance for the first time or shift to scooty insurance online, it helps simplify protection, manage costs a
Instant policy purchase
You can buy scooter insurance online quickly by entering basic vehicle details, making the process smooth and time-efficient.
Instant quote and policy issuance
A clear scooty insurance price is displayed upfront, allowing you to compare options and complete your purchase without delays.
Paperless convenience
Scooty insurance online eliminates the need for physical documentation, enabling easy access, storage, and retrieval of your policy whenever required.
Transparent process
All coverage details, inclusions and terms are clearly visible, helping you make informed decisions when selecting scooty third-party insurance or comprehensive cover.
Quick and easy renewal
Scooty insurance renewal can be completed in just a few clicks, ensuring uninterrupted coverage without the hassle of paperwork.
Better insurer evaluation
Online platforms allow you to review claim settlement processes and customer feedback before choosing or renewing your scooty insurance policy.
Types of Scooter insurance policies
Choosing the right scooty insurance depends on how much protection you want and how your scooter is used. Zurich Kotak offers practical policy options that cover both legal needs and real-world riding risks, making it easier to manage insurance for scooty
This plan covers both own-damage and third-party liability for multiple years. It protects your scooter against accidents, theft, fire and natural calamities while reducing the need for frequent scooty insurance renewal.
A basic scooty third-party insurance option that meets legal requirements by covering injury or property damage caused to others. It does not cover damage to your own scooter.
Ideal for new scooters, this includes five years of third-party cover and one year of own-damage protection, offering balanced coverage in a single purchase when you buy scooter insurance online.
Get Quick Support
I’m here to help.
premium? I'm here to help.
Hi there, how can we help you?
I wanna know about my premium bike
Inclusion & exclusions of scooter insurance
Knowing what your scooty insurance covers and where its limits lie helps set clear expectations and prevents surprises at the claim stage. Below is a practical overview of what is typically included and excluded under insurance for scooty.
Fire
Damage due to fire, explosion or self-ignition
Natural disasters
Loss or damage caused by natural disasters such as floods, earthquakes, cyclones, storms and landslides
Third-party damages
Third-party property damage or bodily injury, as required under Indian law
Personal accident
Personal accident cover for the rider in case of injury, disability or death
Theft
Theft of the scooter with compensation based on the Insured Declared Value (IDV)
Man-made events
Damage arising from man-made events such as riots, vandalism, strikes or malicious acts
Wear, tear & general aging of vehicle
Normal wear and tear, ageing, corrosion and rusting of parts
Depreciation or consequential losses
Depreciation and consequential losses, unless covered through an add-on
Vehicle used otherwise
Use of the scooter for racing, stunts or unauthorised commercial purposes
Mechanical/Electrical breakdown
Mechanical or electrical breakdowns without specific add-on cover
Any contractual liability
Contractual liabilities beyond stated policy usage
Influence of drugs or liquor
Damage caused while riding under the influence of alcohol or drugs
Vehicle without valid license
Accidents occurring without a valid driving licence
Nuclear risk or war
Losses due to war, nuclear risks or radioactive contamination
Features of scooter insurance
Here are some of the salient features of an insurance policy for scooty or scooter in India –
While the third-party coverage is mandatory, the comprehensive plan is optional. However, a comprehensive plan can prove to be the best insurance for scooty.
If you buy a new vehicle, the new scooter insurance plan should have a third-party coverage of at least five years. The own damage cover, however, can be taken for a year.
Premiums for third-party scooter insurance plans are fixed by the Insurance Regulatory and Development Authority of India (IRDAI).
Long-term scooty insurance plans are available. These plans can be the best scooter insurance plans for continuous coverage without annual renewals.
Comprehensive plans allow optional coverage benefits in the form of add-on covers.
Find the best scooty insurance plans with comprehensive coverage for your bike. Buy a 125cc scooter insurance plan online in a few clicks.
Scooter insurance premium in India
The scooty insurance premium depends on a lot of factors. Here’s a look at the factors and how they affect the scooter insurance cost –
Factors | Impact on the premium |
Type of policy | Third-party plans are cheaper compared to comprehensive plans. The third-party insurance premium for scooty is fixed by the IRDAI and can change. |
Engine capacity | The scooty insurance premium depends on the engine capacity. Generally, higher the capacity, higher the premium. |
Value of the scooter | The cost of the scooter affects the premium. Higher the cost, higher the premium |
Tenure | The scooty insurance premium for 1 year will be cheaper than the scooty insurance premium for 5 years. |
Registration date and location | Older vehicles have lower premiums than new ones. Moreover, scooters registered in metro cities have higher premiums compared to other cities. |
Add-ons selected | If you choose optional add-ons, the premium will increase because add-ons come with additional premiums. |
Insured Declared Value (IDV) | The IDV represents the insurance amount or the coverage level. Higher IDVs incur higher premiums and vice-versa. |
How to buy scooty insurance online?
Scooter insurance plans are available online and you can buy them with a few clicks through your computer or even your Smartphone. To buy scooty insurance, visit Zurich Kotak General Insurance and buy the most suitable plan for your beloved scooty.
Simply enter the details of your scooty like the registration number, make and model, registration date, type of policy you want and a few other information. Get the policy quotes and buy insurance for scooty within minutes. It is a simple and hassle-free process and your scooter gets insured instantly.
No lengthy documentation. Buy scooty insurance online and insure your ride.
Third-party scooty insurance premium
As mentioned earlier, the scooty insurance third-party price is determined by the IRDAI and is regularly reviewed. After the latest review, the third-party scooter insurance cost, effective from 1st June 2022, is as follows –
Engine capacity of the vehicle | One-year premium | Five-year premium |
Up to 75 cc | Rs.538 | Rs.2901 |
76 cc to 150 cc | Rs.714 | Rs.3851 |
151 cc to 350 cc | Rs.1366 | Rs.7365 |
More than 350 cc | Rs.2804 | Rs.15,117 |
Note – The aforementioned cost of third-party insurance for scooty does not include GST. A GST of 18% will be added on the third party scooty insurance premium.
The online scooty insurance third-party premium might change as the IRDAI reviews the premiums annually. The premium might increase or decrease based on the review.
The premium is the bare minimum cost for covering your financial liability against third-party when using your scooty. Check out the premium vis-à-vis the engine capacity of your scooty and buy the policy.
Comprehensive scooty insurance premium
The premium for a comprehensive scooty insurance policy is higher compared to the third-party policy. The reason is simple. Comprehensive plans offer wider coverage; hence the premiums are higher. The premium for the comprehensive cover consists of the third-party premium and the own damage premium. Moreover, if you opt for add-ons, the premiums for the same are added to arrive at the final premium amount.
Scooty insurance for models
Whatever the model of your scooty or scooter, find a suitable insurance plan for it.
Zurich Kotak Scooter Insurance policy is available for the following brands –
Honda Activa | Ola S1 | Suzuki Access 125 |
TVS NTORQ 125 | Ather 450X | TVS Jupiter |
Yamaha Aerox 155 | Yamaha Fascino 125 | Bajaj Chetak |
Hero Vida V1 | Hero Maestro Edge 125 |
Scooter insurance add-ons
Add-ons enhance your scooty insurance by extending protection beyond the standard policy. These optional covers let you strengthen your insurance for your scooty based on how and where you ride.
Depreciation Cover
As scooter parts lose value over time due to wear and use, standard depreciation policies apply during claim settlement. This add-on removes depreciation deductions, ensuring you receive the full cost of replaced parts in case of partial damage.
Return to Invoice
Suppose your scooter is stolen or declared a total loss. In that case, this cover provides compensation based on the original invoice value rather than the depreciated amount, helping protect your financial investment more effectively.
Consumables Cover
This add-on covers the cost of consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are typically excluded from regular scooty insurance policies.
Engine Protect
Engine Protect provides coverage for damage caused by water ingression, oil leakage or mechanical failure, helping safeguard one of the most critical components of your scooter.
Steps to buy Scooter insurance online 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.
How to buy/renew secondhand scooter insurance online
Buying or renewing insurance for a secondhand scooty does not have to be complicated. With Zurich Kotak, the process is structured to help pre-owned scooter owners stay protected without delays or paperwork hassles.
Visit the Zurich Kotak website and select the scooter insurance section. Click on “Get a Quick Quote” to begin.
Fill in key information such as registration number, model, year of manufacture and RTO details of your secondhand scooter.
Enter your contact information, review the displayed scooty insurance price and choose suitable coverage.
Complete the process by paying online. Your policy is issued instantly and can be downloaded for reference.
Download Now
Cut the wait time
Intimate Claim
Quick Verification
Instant Settlement
Zurich Kotak Bike insurance Reviews & Ratings
Look what they have to say
We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.
Bike Insurance
5 | 3 months ago
Bike Insurance
5 | 4 months ago
Bike Insurance
5 | 4 months ago
Factors affecting Scooter insurance premium
The premium of your scooty insurance is calculated based on key vehicle and rider-related factors. Knowing these helps you better understand your scooty insurance price and plan adequate coverage.
Tips for choosing the right scooty insurance policy
Worry not! Here are some tips on how to select the best scooty insurance policy for your vehicle
Opt for a comprehensive plan because it offers the widest scope of coverage.
Choose suitable add-ons to enhance the coverage further and customise your policy.
Look for a suitable Insured Declared Value so that you can get a higher claim payout in the case of total loss or theft.
Look for premium discounts to make your policy more affordable.
Opt for long-term scooter insurance plans so that you can enjoy continuous coverage without the hassle of annual renewals. Moreover, long-term plans also allow premium discounts.
Steps to renew scooter insurance policy online from Zurich Kotak General Insurance
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak General Insurance 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 claim Scooter Insurance online at Zurich Kotak General 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
List of documents required for filing a scooter 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 copy of Scooter 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.
Head over to our learning centre
Important Traffic Rules To Follow To Ensure Safety While Driving
Last Updated on:
02 Sep 2024
Other quick links
Easy access to more, check out these quick links
Bike insurance for your favorite brands
We've got you covered with bike insurance for your favorite brands
Bike insurance by city
Your city, your coverage so you pick the right bike insurance!
Frequently Asked Questions about Scooty Insurance
Yes, under the provisions of the Motor Vehicles Act of 1988, every scooter in India should be insured under a valid third-party liability insurance policy. Besides being mandatory, the coverage also offers financial security in case of losses due to your scooter.
No, a comprehensive scooter insurance plan is not mandatory in India. The mandatory coverage is the third-party liability insurance policy. A comprehensive plan is recommended because it offers a wider scope of coverage. A comprehensive policy covers the third party's legal liability and also covers the theft or damage to your scooter.
The cost of a scooter insurance policy depends on multiple factors. These include the type of policy that you choose, the make and model of your scooter, registration date and location, add-ons selected, no claim bonus available, etc. These factors are taken into consideration, and then the insurance cost is determined.
A scooty insurance policy covers all scooters and scootys that you buy for personal use.
The right insurance company will be the one which fulfils the below-mentioned parameters –
a. It offers a comprehensive scope of coverage.
b. It offers a range of add-ons to choose from.
c. There are attractive premium discounts.
d. The premium rates are low,
e. The company has a wide network of cashless garages
f. The claim process is simple, quick and convenient
g. Zurich Kotak General Insurance fulfils all these criteria and can prove to be the right insurance company for your scooty.
If you buy a new scooter or scooty, you can buy third-party coverage for 5 years.
The right choice depends on how you use your vehicle. Scooty third party insurance is legally mandatory and covers injury or damage caused to others. A comprehensive policy offers broader protection, including damage to your scooter from accidents, theft, fire, and natural disasters. If you use your scooty regularly or park it in high-traffic areas, comprehensive insurance for scooty with selected add-ons offers better long-term value.
The scooty insurance price depends on factors such as vehicle age, model, engine capacity, location, add-ons chosen and past claim history. No Claim Bonus earned on claim-free years helps reduce the premium during scooty insurance renewal.
Most scooty insurance policies are valid for one year and require annual renewal. Long-term options of 3 to 5 years are also available. Timely scooty insurance renewal ensures continuous protection and stable pricing.
No. Claims are rejected if the rider does not hold a valid driving licence at the time of the incident. This applies to all forms of scooty insurance online and offline.
There is no fixed limit, but frequent claims reduce your No Claim Bonus and increase scooty insurance renewal costs. It is advisable to claim only for major damages.
No. Once a claim for a specific incident is settled, the same damage cannot be claimed again. Only new incidents are eligible for separate claims.
You can verify your scooty insurance online through the insurer’s website, the VAHAN portal or the mParivahan app by entering your vehicle number. Policy documents can also be accessed after you buy scooter insurance online.
No. Driving without a valid RC is illegal and may affect your ability to claim under scooty insurance. Always carry a physical or digital RC via DigiLocker or mParivahan.