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Bike insurance or two-wheeler insurance is a protective plan that covers financial losses in case your bike gets damaged in an accident, stolen, or affected by natural disasters like floods, earthquakes, or fire. It also includes third-party liability coverage, meaning if your bike accidentally causes harm to someone or damages their property, the insurance will cover the expenses.
Having bike insurance is also legally required in India. Riding without at least a third-party bike insurance policy can lead to penalties, fines, or even legal trouble. With Zurich Kotak General Insurance, you get a reliable two-wheeler insurance policy that provides extensive coverage, so you can ride stress-free.
Zurich Kotak General Insurance offers practical features in its two-wheeler insurance policy that focus on cost efficiency, convenience and reliable protection for everyday riders.
Owning a two-wheeler comes with everyday risks that can lead to unexpected financial strain. A reliable two-wheeler insurance policy is not just about compliance — it is about protecting your bike, your finances and your peace of mind.
Two-wheeler insurance covers repair or replacement costs if your bike is damaged due to accidents, theft, fire, natural calamities or man-made events. This prevents you from bearing heavy out-of-pocket expenses during unforeseen situations.
Optional add-ons such as Depreciation Cover, Engine Protect and Return to Invoice allow you to customise your policy and strengthen overall protection based on your riding needs.
As per Indian law, every bike must have at least third-party insurance. Riding without valid insurance can result in penalties, fines or even vehicle seizure under the Motor Vehicles Act, 1988.
Two-wheeler insurance includes personal accident cover that provides financial support in case of serious injury, permanent disability or death of the rider during an accident.
For every claim-free policy year, you earn a No Claim Bonus that reduces your renewal premium. Safe riding over time translates into meaningful savings.
Whether you own a scooter, sports bike, or a commuter bike, Zurich Kotak General Insurance offers bike insurance policies that suit all types of two-wheelers.
Comprehensive two-wheeler insurance offers coverage against floods, earthquakes, riots, vandalism and other events that may cause partial or total damage to your bike.
If your bike causes injury, death or property damage to a third party, the insurance policy covers the legal and financial liabilities arising from such incidents, shielding you from major financial consequences.
A bike insurance policy covers you if your bike has been stolen or lost and gives you a financial compensation for the same.
Choosing the right two-wheeler insurance plan helps ensure your bike is protected against accidents, theft, and unexpected repair costs, while also meeting legal requirements. Zurich Kotak General Insurance offers a range of plans designed to suit differe
This is a comprehensive two-wheeler insurance plan that covers both own-damage and third-party liability for multiple years. Instead of renewing your policy every year, you can opt for coverage of up to five years, ensuring uninterrupted protection and stability in premiums. It protects your bike against accidents, theft, fire, natural calamities and man-made events while also remaining eligible for No Claim Bonus (NCB) benefits.
This plan focuses solely on third-party liability coverage and is suitable for riders looking to meet legal obligations at a lower premium. It covers injury, death, or property damage caused to a third party by your bike. However, it does not cover damage to your own vehicle.
Designed mainly for new two-wheelers, this bundled policy offers five years of third-party liability cover along with one year of own-damage protection. It provides balanced coverage in a single purchase and ensures compliance with legal requirements while protecting your bike against common risks such as accidents, theft and natural disasters.
See what makes our bike insurance policies stand out!
As its name suggests, comprehensive two-wheeler insurance provides comprehensive coverage to your vehicle encompassing third-party liability, own damages, including theft and damages rising due to natural, man-made calamities and fire.
Third-party injury, death or property damage
Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.
Own-damage
Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.
Theft
You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a compensation would be paid to help you buy a new bike or scooter.
Personal Accident Cover
Comprehensive Two-wheeler insurance 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 and total disablement of the owner/driver in an accident.
No Claim Bonus Discount
If you do not claim under your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.
Different coverage terms
You can opt for a comprehensive coverage on your bike for different tenures. Zurich Kotak General Insurance offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.
Third-party death or injury & Property Damage
Third-party two-wheeler insurance offers coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicles Act 1988 in an accident in which your bike or scooter was involved.
Online availability
You can buy third-party liability insurance online instantly within seconds and with zero paperwork. The process is pretty simple and quick.
Premiums determined by IRDAI
As third-party liability policy is mandatory under law, the premiums of third-party liability insurance are determined and revised from time to time by the Insurance Regulatory and Development Authority of India (IRDAI). The premiums for third-party liability insurance is based on the cubic capacity of the bike.
Personal Accident Cover
Personal Accident cover is a mandatory cover with third-party two-wheeler insurance. PA cover is available up to Rs.15 lakhs in case of accidental death or disablement suffered by the owner driver.
Own Damage Cover
Own-damage insurance covers the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc.
Optional add-ons
Zurich Kotak General Insurance offers optional add-ons to be brought with own-damage two-wheeler insurance by paying an additional premium. Optional add-ons help you to make your plan comprehensive and customise it as per your needs.
No Claim Bonus
Earn no claim bonus after each claim-free policy year. This bonus allows you to claim a discount in renewal premiums and make the policy more affordable.
Premium discounts
You can enjoy premium discounts on your own-damage insurance premium. You can get a voluntary deductible or install an anti-theft device to avail discounts on own-damage two-wheeler insurance premiums.
Cashless claims
Zurich Kotak General Insurance offers cashless settlement of claims. You can simply take your bike or scooter to the nearest network garage for repair and the insurance company would take care of the repair expenses and bear the costs associated with it.
Third-party injury, death or property damage
Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.
Own-damage
Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.
Theft
You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a compensation would be paid to help you buy a new bike or scooter.
Personal Accident Cover
Comprehensive Two-wheeler insurance 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 and total disablement of the owner/driver in an accident.
No Claim Bonus Discount
If you do not claim under your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.
Different coverage terms
You can opt for a comprehensive coverage on your bike for different tenures. Zurich Kotak General Insurance offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.
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Understanding what your bike insurance covers and where its limits apply helps you avoid unpleasant surprises at the time of a claim. A clear view of inclusions and exclusions ensures you know exactly when your policy will support you and when additional
If your bike is damaged due to fire, explosions, or self-ignition, bike insurance will cover the repair or replacement costs.
Damages caused by floods, earthquakes, cyclones, storms, and landslides are covered under a comprehensive bike insurance policy.
If your bike accidentally causes injury or damage to another person’s vehicle or property, your bike insurance will cover the expenses. This is a legal requirement under Indian law.
A bike insurance policy includes personal accident coverage, offering financial support in case of accidental injury, disability, or death of the policyholder.
If your bike is stolen, bike insurance compensates you based on the Insured Declared Value (IDV) of the vehicle.
Riots, vandalism, strikes, and malicious activities that cause damage to your bike are covered under a comprehensive bike insurance plan.
Gradual wear and tear, rusting, and aging of bike parts are not covered under a standard bike insurance policy.
Losses caused due to depreciation (declining value of bike parts over time) or indirect damages due to accidents are not covered unless you have an add-on like Depreciation Cover.
If the insured bike is used for racing, stunts, commercial activities, or any purpose other than what is mentioned in the policy, bike insurance claims can be denied.
Any issues related to electrical or mechanical failures are not covered unless you have a specific add-on like Engine Protect Cover.
If the bike was used for contractual obligations beyond normal personal or business usage, it may not be covered under bike insurance.
If an accident occurs while the rider is under the influence of alcohol or drugs, the bike insurance claim will be rejected.
If the rider does not have a valid driving license at the time of the accident, the insurance company will not process the claim.
Any damages due to war, nuclear explosions, or radioactive contamination are excluded from bike insurance policies.
Standard bike insurance offers essential protection, but add-ons allow you to strengthen your coverage and avoid common claim deductions. These optional covers provide additional financial security by addressing specific gaps typically excluded under basi
As your bike ages, the value of its parts reduces due to wear and tear. Depreciation Cover ensures that, in the event of partial damage, you receive the full cost of replaced parts without depreciation deductions, helping minimise out-of-pocket expenses during repairs.
In the event of a total loss or theft, this add-on allows you to receive the original invoice value of your bike rather than its depreciated value. This helps recover the actual purchase price and significantly reduces financial loss.
This add-on covers the cost of essential consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are usually excluded from standard bike insurance policies. It helps prevent small but recurring repair costs from adding up.
Engine Protect offers financial support if your bike’s engine is damaged due to water ingress, oil leakage or mechanical failure. Since engine repairs are often expensive, this add-on provides critical protection for one of the most vital components of your bike.
Choosing the right bike insurance partner is about more than just price. It is about ease, reliability and consistent support when it truly matters. Zurich Kotak simplifies both the buying and management of bike insurance through a combination of digital
Bike insurance can be purchased or renewed online in just a few minutes. The process is fully digital, removing the need for paperwork or physical visits.
Policyholders benefit from competitive pricing, long-term policy savings and No Claim Bonus advantages for maintaining a claim-free record.
Online renewals and access to cashless repairs at authorised network garages make it easier to manage claims and keep coverage active without unnecessary delays.
Additional savings are available for AAI members, vehicles fitted with anti-theft devices and riders with a safe driving history.
Round-the-clock assistance is available for claims, renewals and general queries, ensuring timely support whenever required.
Zurich Kotak is recognised for its structured claim handling processes and focus on reliability, helping riders feel more confident about their insurance decisions.
Zurich Kotak General Insurance offers different types of bike insurance plans
Buying a new bike insurance policy or renewing the old two-wheeler insurance; one by doing it online is quick & hassle-free. You would have to answer a few queries about you and your vehicle, and you will be ready to buy new insurance within a few clicks.
You get an instant bike insurance premium quote by clicking on the get quote feature on the website for your vehicle insurance. Due to the digitized buying and renewing process, policy issuance takes place immediately.
Buying a bike insurance policy online helps you avoid the tedious paperwork you go through. You can also download and store the document with a few clicks. The paperless procedure also saves time by eliminating the need to organize documents physically.
The whole buying and renewing of the bike policy online are so transparent that you always have all the details to make an informed buying decision.
You can renew your bike insurance policy in the comfort of your home. Enter the last policy details and renew your plan instantly within a few clicks.
Online research for insurance providers, whether for car or bike coverage, is simpler than offline. Prior to purchasing, explore the company's website for details like Incurred Claim Ratio (car) or Claim Settlement Ratio (bike), claim filing process, and resolution time. Additionally, read reviews from current or former customers for a clearer understanding.
Hassle-free insurance at your fingertips with our easy and fast online process
Buying bike insurance online with Zurich Kotak is simple, quick and designed to save your time. The process is fully digital, allowing you to secure comprehensive protection for your two-wheeler in just a few easy steps.
Get a Quick Quote: Visit the Bike Insurance page and click on the “Get A Quick Quote” button to begin the process.
Enter Vehicle Details: Provide your bike details such as registration number, model, make and other basic information to generate an accurate premium quote.
Fill in Personal Details & Make Payment: Review the displayed quote, enter your personal information and proceed to complete the payment securely online. Once done, your policy is issued instantly.
Getting a bike insurance quote online is simple:
Visit the Zurich Kotak General Insurance website.
Enter bike details (model, year, registration number).
Select coverage type (Comprehensive/Third-party).
Choose add-ons if needed.
Get an instant premium quote.
Make the payment online and receive your policy instantly.
Know the essential factors to consider when choosing two-wheeler insurance for a new bike
Select a suitable Insured Declared Value
Insured Declared Value of your bike or scooter is the maximum amount of cover that is paid or covered by the insurance company in the event of total loss or theft. Hence, its recommended to select a higher IDV at the time of buying the policy to get higher claim pay-outs.
Opt for a comprehensive policy
A comprehensive plan offers a wider scope of coverage and pays for the expensive repair costs and theft too. So, while a third-party policy is mandatory, you should opt for a comprehensive plan as the new two-wheeler insurance for maximum protection.
Add-ons
Consider buying add-ons to enhance the coverage of your new bike insurance policy to extend the scope of your bike insurance policy so that you don’t have to worry about out-of-pocket expenses.
Look for cashless garages
Cashless garages allow easy cashless claims. So, check the network of cashless garages for a hassle-free claim experience.
Claim the available discounts
Comprehensive two-wheeler insurance plans allow premium discounts so that your policy becomes affordable. Claim the available discounts to minimize your premium outgo.
Check the Claim settlement ratio of the insurer
The ratio denotes the proportion of claims that the insurance company settled v/s the total claims made in it. Check the CSR of the insurer and choose a company that has a high ratio.
We'll walk you through buying insurance for your new bike
Click on the "Get a Bike Insurance Quote" button on the Zurich Kotak Bike insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in the required details such as registration number, model, make, etc
Intimate Claim
Quick Verification
Instant Settlement
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Let's talk about how bike insurance premiums are calculated
When buying a bike insurance policy, most of you wonder how much premium would you have to pay for the coverage. This is where the two-wheeler insurance premium calculator comes into the picture.
A bike insurance calculator is an online tool that helps you ascertain the exact premium of your two-wheeler insurance policy. The calculator takes into account the factors affecting your two wheeler insurance premium and then works out the premium that you have to pay. Zurich Kotak general insurance offers an instant and simple bike insurance calculator using which you can calculate your premium. Here’s how to use the calculator –
Visit https://www.zurichkotak.com/ and choose ‘Bike Insurance’
The bike insurance page will open wherein you can click on ‘Get a Quick Quote’
To get the quote, you will have to enter the details of your bike and the coverage that you seek. The calculator uses these details to calculate the premium. Here’s how the bike insurance calculator uses your details and how it calculates the premium –
Make, model and variant of the bike
These factors determine the market value of the bike which determines the coverage level.
IDV selected
You can choose your IDV which is the maximum coverage that you can avail of. Based on this coverage the premium is calculated.
Type of policy
These factors determine the market value of the bike which determines the coverage level.
Add-ons selected
The add-ons add to the premium component and increase the total outgo
Registration date
This determines the age of the bike to calculate its depreciated value
Registration location
Premiums are classified based on the city where the bike is registered
Existing No Claim Bonus, if any
If you are renewing your bike insurance policy and have accumulated a no claim bonus by making no claims, you can use the bonus and claim a premium discount
Other available discounts
When choosing the comprehensive bike insurance policy, you can avail of different types of premium discounts. These discounts can be claimed to reduce the premium outgo
Claim history
Claim history helps the bike insurance calculator assess the no claim bonus that you are eligible for and calculate the premium accordingly
Lapse history
If you are renewing a lapsed bike insurance policy, the premium might be higher. The calculator takes into consideration the lapsed coverage when calculating the premium
The policy term
Depending on the term of the policy, the bike insurance calculator would show the premium.
Thus, the premium is calculated using the above factors and you can check the required outgo for the bike insurance policy. You can also make changes to the coverage details, like the add-ons selected or the term of the policy, and the bike insurance calculator would show the updated premium. Once you find the premium, you can proceed to buy the bike insurance policy online in a few simple steps.
The cost of your bike insurance premium depends on several factors. Let’s explore what affects the amount you pay:
Learn some savy tips to avoid actions that raise your bike insurance costs
Choose a suitable policy when buying bike insurance. While a comprehensive plan makes sense for a new bike, you can opt for a third-party liability cover for a bike which is very old and is not used much.
Zurich Kotak General Insurance offers a range of add-ons for your bike insurance policy. Since each add-on comes at an additional premium, you should choose only those add-ons which are required.
Always renew your policy on time since bike insurance premiums are lower for on-time renewals compared to lapsed policies.
If you are renewing your policy, look for the accumulated no claim bonus that you have. Use this bonus and claim a discount on the own damage premium to bring down the cost.
Besides the no claim discount, there are different other discounts that comprehensive bike insurance plans offer. These discounts can also lower your bike insurance premium and help you save. For instance, installing safety devices, being a member of AAI,
Zurich Kotak General Insurance offers long-term bike insurance plans. These plans not only cut down the hassles of annual renewals but they also prove cost-effective. So, opt for long-term plans and save bike insurance premium. Get effective tips to reduce bike insurance premium.
Renewing your existing bike insurance online makes the process quicker, simpler and more reliable, while ensuring continuous protection for your two-wheeler. Instead of dealing with physical paperwork or in-person visits, online renewal allows you to stay
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
Renewing your two-wheeler insurance with Zurich Kotak General Insurance is quick and easy. Follow these simple steps:
Visit the Official Website – Go to the Zurich Kotak General Insurance website and navigate to the two-wheeler insurance renewal section.
Enter Policy Details – Provide your existing policy number and registered mobile number or vehicle details.
Review & Customize – Check your existing policy details and modify coverage or add-ons as needed.
Calculate Premium – Get an instant quote based on your selected coverage and add-ons.
Make Payment – Complete the renewal process by making a secure online payment.
Receive Policy Instantly – Download the renewed policy document instantly and keep it for future reference.
Filing a bike insurance claim with Zurich Kotak General Insurance is a simple and hassle-free process. Follow these steps to ensure a smooth claim settlement:
Step 1: Inform Us • Immediately notify us about the incident by calling our customer care helpline 1800 266 4545 (8 a.m. – 8 p.m.) or registering the claim online. • Provide basic details like policy number, vehicle details, and a brief description of the incident.
Step 2: File an FIR • If the bike is stolen or involves third-party damage or a major accident, file an FIR at the nearest police station. • Obtain a copy of the FIR as it is mandatory for theft and third-party claims.
Step 3: Submit Required Documents • Fill out the claim form and submit necessary documents, including the insurance policy, RC, driving license, repair estimates, and photographs of the damage.
Step 4: Vehicle Inspection & Damage Assessment • For accident claims, we may assign a surveyor to assess the damages. • The surveyor will inspect the bike at the accident location or the garage before repair approval.
Step 5: Repair & Claim Settlement • Cashless Claims: If you opt for a cashless claim, take your bike to an authorized network garage. We will directly settle the repair cost with the garage. • Reimbursement Claims: If you get repairs done at a non-network garage, pay the repair bill first and submit the invoices for reimbursement.
Step 6: Claim Approval & Settlement • After verification of documents and surveyor assessment, we will process and settle the claim based on policy coverage. • In case of total loss or theft, we will compensate as per the Insured Declared Value (IDV) after deducting applicable charges.
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
Get familiar with the documents needed for speedy claim process
Duly Filled Claim Form – Complete the insurance claim form with accurate details.
Copy of Insurance Policy – Provide a valid two-wheeler insurance policy document.
Vehicle Registration Certificate (RC) – A copy of the RC book is required for claim processing.
Driving License – A valid driving license of the insured or rider at the time of the incident.
First Information Report (FIR), if applicable – Required for theft, third-party, or major accident claims.
Repair Estimates & Bills – For accidental damages, submit a repair cost estimate and final bills from the garage.
Photographs of Damages – Clear images of the damaged vehicle to support the claim process.
Bank Details – For claim settlement through direct transfer, provide bank account details.
Here is your step-by-step guide to access your policy copy
If you cannot locate the soft copy of your bike insurance policy in your email or have misplaced the physical document, you can easily download it online through the Zurich Kotak website. The process is quick and ensures you always have access to your policy when needed.
Visit the Website: Go to the official Zurich Kotak website: https://www.zurichkotak.com/
Select ‘Download Policy Copy’: Click on the ‘Download Policy Copy’ option available under the Login section at the top right corner of the homepage.
Enter Your Details: Provide your policy number along with your registered mobile number or email ID, then click on ‘Get OTP’.
Verify with OTP: An OTP will be sent to your registered mobile number and email ID. Enter the OTP in the required field to proceed.
Download Your Policy: Once verified, your bike insurance policy copy will be displayed. You can download and save it on your device for future reference.
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a bike insurance gives access to cashless network garages which provides convenience and hassle-free bike repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
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.
Easy access to more, check out these quick links
We've got you covered with bike insurance for your favorite brands
Your city, your coverage so you pick the right bike insurance!
To check your bike insurance status, visit the Zurich Kotak General Insurance website and log in to your account. You can also check via the Insurance Information Bureau (IIB) website by entering your vehicle registration number. Alternatively, contact our customer support for assistance.
You can find your bike insurance policy number in the policy document sent to your registered email or mobile number. If you’ve misplaced it, log in to your Zurich Kotak General Insurance account or call customer support to retrieve it.
NCB (No Claim Bonus) is a discount offered on your bike insurance renewal premium if you haven’t made any claims in the previous policy year. It starts from 20% and can go up to 50% after five claim-free years.
Visit our website and log in to your account using your policy details. You can also call customer support or check the details on the mParivahan app using your vehicle registration number.
To get bike insurance for your new scooter, click on the link
Provide the Registration number
Enter Details of previous policy
Enter vehicle details such as Model & Variant, Registered place, and registered date
Provide your email address and Mobile no
And click to continue.
Yes, you can purchase multiple two-wheeler insurance add-ons based on your requirements. However, each add-on increases your premium cost, so choose wisely based on your needs.
The validity of your two-wheeler insurance policy depends on the tenure you choose. You can opt for a 1-year policy or a long-term policy (3 to 5 years) for better savings and convenience.
A two wheeler insurance policy can be of 3 types:
Third-party Liability Two-Wheeler Insurance: This two-wheeler insurance covers all third-party liability for damages to vehicle, property, or person.
Standalone Two-Wheeler Insurance: This type of insurance covers any damage to your own bike or scooter. It covers repairs on damages caused due to accidents, natural calamities, and man-made calamities. It also provides coverage in case of a total loss due to theft or any unforeseen incident.
Comprehensive Two-Wheeler Insurance: This type of two-wheeler insurance includes Third-Party Liability Insurance, Personal accident cover and Own damage insurance.
If your policy has expired, visit Zurich Kotak General Insurance website and enter your details to renew it online. If the policy has lapsed for a long time, an inspection of your bike may be required before renewal.
IDV (Insured Declared Value) is the current market value of your bike, which determines the compensation in case of total loss or theft. The IDV calculator helps you find the right IDV based on your bike’s age and model.
The claim amount depends on the extent of damage, policy coverage, and deductibles. If you have Depreciation Cover, you receive a higher payout since depreciation is not deducted.
No, if your two-wheeler insurance policy has expired, you cannot raise a claim. You must renew your policy before an accident to remain covered.
If your bike is stolen, file an FIR at the nearest police station and submit the report to Zurich Kotak General Insurance. After verification, you will receive compensation based on your bike’s IDV.
Yes, if you already have an active third-party two-wheeler insurance policy, you can buy an Own Damage (OD) policy separately to cover your scooter against accidents, theft, and natural calamities.
Zurich Kotak General Insurance offers secured gateways to pay for bike insurance online. Simply visit the official website of the company, select the two-wheeler insurance policy, fill out the application form and pay the premium. You can pay the premiums of the policy online through various modes of online payment offered on the payment page.
To get the lowest bike insurance premium:
· Compare plans online
· Use your No Claim Bonus (NCB)
· Choose the right IDV
· Opt for voluntary deductibles
· Avoid unnecessary add-ons
Your policy does not cover the cost of following damages
Normal wear and tear of the two-wheeler
Ageing of the vehicle
Depreciation of the vehicle
Mechanical or electric breakdown of the vehicle
Loss or damage due to reasons other than mentioned in the policy documents
Using vehicles for purposes other than stated in the policy documents
Wear and tear of the consumables unless the vehicle is damaged at the same time
Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.
It is simple and easy to renew two-wheeler insurance online; just follow the below steps:
Select the Long Term Two-wheeler Secure (Comprehensive policy) / Long Term Two-wheeler Secure (Liability Only Policy)
Enter your Policy Number, Registration Number, Mobile Number, and Chassis Number
Click on “Submit”
Visit the Bike insurance renewal page, select your insurance product. You will be redirected to online general insurance renewal page where you would need to fill the following details:
Policy number
Registration number
Mobile number
Chassis number
After entering the details click on submit and pay the required amount
The bike insurance premium calculator helps you determine the premium amount for bike insurance offered by Zurich Kotak General Insurance. To use the online tool, you need to provide details of your bike such as make - model, registration date, and registration place. Once you add this information, you will be able to get the premium amount.
An IDV calculator in bike insurance helps to find out the current market value when you purchase a comprehensive plan. Using the online IDV calculator, you will get to know the approximate premium amount, as well as the sum assured offered by Zurich Kotak General Insurance in case of total loss.
To register for reimbursement, claim of at Zurich Kotak General Insurance, simply follow the below steps:
Get in touch with us at 18002664545 and provide the details of the incident and policy.
Submit all the bills along with the policy details.
Once approved, you will receive reimbursement within 7 days.
Your payout depends on:
· Policy type (Comprehensive/Third-Party)
· Extent of damage
· Deductibles and depreciation
· If you have Depreciation Cover, you get a higher claim amount
No, you cannot raise a claim if the policy was expired. Always renew your two-wheeler insurance before the due date to stay protected.
To make a claim for the theft of a two wheeler
File an FIR (first-hand information) to the nearest police station and keep a copy of the FIR.
Inform your insurer
Inform the RTO as it prevents unauthorized change of ownership of the bike
Produce all the necessary documents:
Copy of original FIR
Copy of driving license
Copy of vehicle’s registration certificate
Duly signed claim settlement form
RTO transfer papers
Letter to the RTO
After the policy gives the No traceable report, you can get reimbursement on your Two wheeler insurance policy.
Product | UIN No. |
|---|---|
Two Wheeler Secure | IRDAN152RP0010V03201516 |
Motor Documents/ Forms | Download Links |
|---|---|
Policy wording | |
Prospectus | |
Claim Form | |
Customer Information Sheet | |
Motor withdrawn list |
Written By : Zurich Kotak General Insurance - Last updated: Nov 3rd, 2025
