Motor Insurance Two Wheeler InsuranceBajaj Two Wheeler Insurance

Bajaj Bike Insurance Online

Name: Bajaj Bike Insurance
Brand: Zurich Kotak General Insurance
Rating: 4.5 (450 reviews)

Limit your speed, not your two-wheeler insurance

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We take your safety seriously

6500+

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

Two-Wheeler Insurance For Bajaj Bike & Scooter

Bajaj bikes and scooters are built for everyday reliability, whether you are heading to work or planning a longer ride. However, owning one also comes with the responsibility of staying financially and legally protected. Many riders explore Bajaj bike insurance or opt for Bajaj bike insurance online without fully understanding what their policy covers or when Bajaj bike insurance renewal is due, which can sometimes leave crucial gaps in protection. With growing choices for Bajaj two-wheeler insurance online, understanding how two-wheeler insurance supports smoother, compliant ownership makes all the difference. Zurich Kotak supports this process through clear policy communication and access to a 5,700+ cashless garage network across India, making repairs more streamlined and reducing the need for upfront payments during claim situations.

Features of Bajaj bike insurance

Comprehensive protection

Covers both own-damage and third-party liabilities, ensuring your Bajaj two-wheeler insurance safeguards you against unforeseen financial loss.

Cashless servicing

In case of damage, repairs can be carried out at network garages without upfront payment. The settlement is handled directly, making Bajaj two wheeler insurance online more convenient and hassle-free.

No claim bonus (NCB) benefits

Safe riding without claims earns you NCB, which lowers your Bajaj bike insurance renewal premium over time

Premium discounts

Reduced premiums may apply for strong riding history, safety device installation or long-term Bajaj 2-wheeler insurance policies.

AAI member discount

Members of the automobile association of India can avail of additional savings on Bajaj bike insurance.

Add-on covers

Optional enhancements such as zero depreciation, roadside assistance, and engine protect allow you to customize your bike based on your riding needs.

Comprehensive protection

Covers both own-damage and third-party liabilities, ensuring your Bajaj two-wheeler insurance safeguards you against unforeseen financial loss.

Cashless servicing

No claim bonus (NCB) benefits

Safe riding without claims earns you NCB, which lowers your Bajaj bike insurance renewal premium over time

Premium discounts

Reduced premiums may apply for strong riding history, safety device installation or long-term Bajaj 2-wheeler insurance policies.

AAI member discount

Members of the automobile association of India can avail of additional savings on Bajaj bike insurance.

Add-on covers

Optional enhancements such as zero depreciation, roadside assistance, and engine protect allow you to customize your bike based on your riding needs.

Types of Bajaj two wheeler insurance Zurich Kotak offers

Long term two-wheeler secure (Comprehensive)

This policy provides extended coverage for both own-damage and third-party liabilities under a single plan. It protects your Bajaj bike against accidents, theft, fire and natural calamities while reducing the need for frequent Bajaj bike insurance renewal. It also offers continuity of cover along with eligibility for no claim bonus benefits.

Long term two-wheeler secure – Liability only

This is a basic Bajaj bike insurance option that fulfils legal obligations by covering damages or injuries caused to third parties. It is suitable for riders seeking affordable coverage, though it does not cover repairs or loss of the insured Bajaj bike.

Long-term two-wheeler secure – Bundled policy

Designed for new Bajaj vehicle owners, this plan combines five years of third-party cover with one year of own-damage protection. It simplifies policy management by offering structured coverage in a single purchase.

Two-wheeler protect – OD only

Suitable for those who already hold third-party bike insurance , this plan focuses solely on covering damage to your Bajaj bike caused by accidents, theft, fire or natural disasters, providing added financial security where liability cover already exists.

Bajaj two wheeler insurance add-ons

Depreciation cover

As bike parts lose value over time due to wear and ageing, standard policies factor in depreciation during claim settlement. With this add-on, depreciation is not deducted, ensuring you receive the full cost of replaced parts in case of partial damage.

Return to invoice

If your Bajaj bike is stolen or declared a total loss, this add-on provides compensation based on the bike's original invoice value rather than its depreciated market value, offering stronger financial security.

Consumables cover

This cover include the cost of consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are typically excluded from regular Bajaj bike insurance policies.

Engine protect

Engine protection provides financial support for engine repairs caused by water ingression, oil leakage or mechanical failure, safeguarding one of the most critical components of your bike.

Benefits of buying online two-wheeler insurance for Bajaj

Faster access and easy comparison

Buying Bajaj 2-wheeler insurance online allows you to compare coverage, premiums and add-ons in minutes, helping you choose a policy that suits your riding needs.

Instant policy issuance

Your Bajaj bike insurance is issued quickly, reducing paperwork and delays, while ensuring immediate legal compliance.

Cost efficiency and transparency

Online purchase offers clearer premium visibility and helps avoid hidden charges, making Bajaj two-wheeler insurance more predictable and manageable.

Customisable protection

Add-ons such as zero depreciation, engine protection and roadside assistance can be selected as per preference while securing Bajaj bike insurance renewal online

Seamless renewal process

Timely Bajaj bike insurance renewal becomes simpler through digital reminders and streamlined payment options.

Reliable coverage support

Zurich Kotak enables structured online access to coverage details, claims guidance and policy management for smoother, informed decision-making.

Why choose Zurich Kotak for bike insurance ?

Time-Saving Bike Policy

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.

Cost-Efficient Coverage

Policyholders benefit from competitive pricing, long-term policy savings and No Claim Bonus advantages for maintaining a claim-free record.

Effortless Policy Management

Online renewals and access to cashless repairs at authorised network garages make it easier to manage claims and keep coverage active without unnecessary delays.

Instant Discount Benefits

Additional savings are available for AAI members, vehicles fitted with anti-theft devices and riders with a safe driving history.

24x7 Customer Support

Round-the-clock assistance is available for claims, renewals and general queries, ensuring timely support whenever required.

Trusted & Consistent Service Standards

Zurich Kotak is recognised for its structured claim handling processes and focus on reliability, helping riders feel more confident about their insurance decisions.

Factors affecting Bajaj bike insurance price

IVD (insured declared value): higher IVD means a higher premium.

Bike model & engine capacity: powerful bikes like Bajaj pulsar have higher premiums.

Age of the bike: older bikes cost less to insure.

Riding location: urban areas with higher accident rates have higher premiums.

Add-ons: adding zero depreciation, RSA, or engine protect increases the premium.

No claim bonus (NCB): claim-free years reduce premiums significantly.

Steps to buy bajaj bike insurance online from Zurich Kotak General Insurance

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.

Steps to download copy of Bike Insurance Policy

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.

Claim Process For Baja Bike Insurance at Zurich Kotak General Insurance

Call us on 1800-2120 (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 1800-2120 (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.

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

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Bike Insurance glossary

Two-Wheeler Insurance Premium

The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy

IDV in Two-Wheeler Insurance

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 in Two-Wheeler Insurance

Coverage is the amount of risk that is covered for the policyholder through an insurance policy.

NCB: No Claim Bonus in Bike Insurance

The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the insurance company for responsible driving and not filing bike insurance damage claims during the preceding policy year.

Depreciation Cover in Two-Wheeler Insurance

The Depreciation Cover is an add-on wherein the entire claim amount is settled by the insurance company without factoring in depreciation value of the insured two-wheeler

Own Damage in Two-Wheeler Insurance

Own Damage cover protects the insured two-wheeler against the damages caused due to accidents, and man-made and natural calamities such riots, theft, fire, flood, etc.

Comprehensive coverage in Two-Wheeler Insurance

Comprehensive Two Wheeler insurance covers own and third-party damages, providing financial help for accidents, natural disasters, theft, and more, including third-party liabilities.

Deductibles in Bike Insurance

Deductibles are what you pay during claim settlement. Two types: compulsory (required for every claim) and voluntary (chosen by you). Zero deductibles mean no voluntary payment when getting a bike & scooter policy.

Frequently Asked Questions

Questions you may have about Zurich Kotak General Insurance

Buying Bajaj bike insurance online is convenient, faster, and more affordable. You can compare plans, customize coverage, and access instant policy issuance without paperwork. Online platforms also provide reminders for timely Bajaj bike insurance renewal, ensuring your coverage never lapses.

It covers own-damage, third-party liabilities, accidents, theft, fire, natural disasters, man-made events, and includes a mandatory personal accident cover. With add-ons like zero depreciation and engine protect, comprehensive Bajaj two-wheeler insurance offers complete protection.

Top add-ons include zero depreciation, roadside assistance, engine protection, rti, pillion rider cover, and consumables cover. These enhance the standard coverage and reduce out-of-pocket expenses during claims.

Your policy will lapse, leaving you uninsured. You also lose your accumulated no claim bonus (NCB). Riding without valid insurance is illegal and can lead to penalties. Late renewal may require bike inspection.

Premium is based on factors like IVD, bike model, age, location, engine capacity, add-ons, and NCB. Newer and high-performance Bajaj bikes attract higher premiums.

Yes, NCB is transferable even if you buy a new bike or switch insurers. It applies to the policyholder, not the vehicle. Submit your NCB certificate during renewal or portability.

Standard policies cover only manufacturer-fitted accessories. You can purchase an add-on to ensure custom or high-value accessories like fog lamps, seat covers, or crash guards.

Yes, having at least third-party bike insurance is legally mandatory under the motor vehicles act, 1988. Comprehensive insurance is optional but recommended for better protection.