Motor Insurance Two Wheeler InsuranceComprehensive Bike Insurance

Comprehensive Bike Insurance

A comprehensive Bike Insurance to Protect your Bike

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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

What is comprehensive bike insurance?

Comprehensive bike insurance is a wider form of cover that protects your two-wheeler against multiple risks in a single policy. It includes damage caused by accidents, fire, theft, natural disasters and man-made events such as riots or vandalism. Unlike a basic third-party policy, a comprehensive bike insurance policy also covers loss or damage to your own vehicle.

Sometimes referred to as comprehensive two wheeler insurance or comprehensive motorcycle insurance, this type of plan combines own-damage bike insurance cover with mandatory third-party liability, and allows you to add optional covers for extra protection. For most riders, it offers stronger financial security, greater peace of mind and year-round protection from unexpected repair and replacement costs.

Why do you need

Mandatory Requirement

Third-party liability insurance is mandatory under The Motor Vehicles Act, of 1988 and every owner of a bike must buy the mandatory third-party liability policy or else they would be subjected to legal actions. Hence, you need a bike insurance policy to fulfil the legal requirement and to avoid penalties.

Cover against natural and man-made events

A comprehensive two-wheeler insurance policy covers natural and man-made events that might result in significant repair costs or total loss of your bike. You can get coverage and financial protection against such perils under bike insurance.

Cover against third-party damage

Bikes are more prone to accidents in comparison to cars. Your bike might injure a third-party or damage their property thereby raising legal third-party liability. Such third-party liability may drain you financially in the absence of a bike insurance policy.

Cover for thefts of your bike

A bike insurance policy covers you if your bike has been stolen or lost and gives a lump sum financial compensation for the same. This can help you to buy a new bike for your conveyance needs. Know more about the surprising things covered by motor insurance.

Mandatory Requirement

Cover against natural and man-made events

Cover against third-party damage

Cover for thefts of your bike

Key features of comprehensive bike insurance

Wide Coverage Protection

A comprehensive bike insurance plan covers damage to your bike caused by accidents, theft, fire, natural calamities, riots and other man-made incidents. This broader scope of protection helps limit out-of-pocket expenses arising from sudden events.

Third-Party Liability Cover

Every 2 wheeler comprehensive insurance policy includes compulsory third-party liability cover. This protects you against legal and financial liabilities if your bike causes injury, death or property damage to a third party.

Cashless Repair Network

Policyholders can typically access a wide network of authorised cashless garages, where approved repairs are carried out without upfront payment. This makes claim handling faster and more convenient.

Customisable Add-Ons

You can enhance your comprehensive bike insurance policy with useful add-ons such as Zero Depreciation, Engine Protect, Roadside Assistance, Consumables Cover and Passenger Cover, tailoring the plan to your riding habits and risk profile.

Wide Coverage Protection

Third-Party Liability Cover

Cashless Repair Network

Policyholders can typically access a wide network of authorised cashless garages, where approved repairs are carried out without upfront payment. This makes claim handling faster and more convenient.

Customisable Add-Ons

Compare bike insurance plans with Zurich Kotak

Premium Features

Comprehensive Plan

Own Damage Plan

Bike damage due to natural disasters

Bike damage due to man-made calamities eg: riots

Bike damage due to fire

Damage to third party vehicle

Damage to third party property

Third party’s death or injury

Theft coverage

Personal accident cover

Zero Depreciation cover add-on inbuilt

Extra coverage with optional add-ons

No claim bonus up to 50%

Cashless repairs

What's covered?

Third-party legal liability

If your bike causes physical injury or death of another individual, you will suffer a financial liability for such third-party loss. Moreover, if your bike damages third-party property, you will incur financial liability for the same. Comprehensive bike insurance covers these third-party financial liabilities and compensates the third parties for the financial loss suffered on your behalf.

Natural disasters

If your bike is damaged due to natural calamities, the cost of repairing the damages will be covered. The calamities that are covered include earthquakes, lightning, storm, flood, hurricane, cyclones, road and landslides, subsidence, inundation, etc.

Man-made events

If your bike is damaged due to man-made events, the repair costs will be covered. Man-made events include fire, explosion, implosion, strike, riot, malicious acts, etc.

Theft

If your bike is stolen, you will be compensated for the financial loss that you suffer.

Personal accident cover

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.

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.

What is not covered?

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.

Add–ons available with comprehensive bike insurance policy by Zurich Kotak

Depreciation Cover

Depreciation is an add-on cover in which the claim amount is paid by the insurance company without considering the factor of depreciation for the parts of your bike or scooter.

Return to Invoice

Return to invoice add-on pays the difference between the invoice value of your bike or scooter and its insured declared value in the event of total loss or theft.

Consumables Cover

Consumable covers include the cost of consumables such as bolts, screws, nuts, lubricants, etc needed in the repair of your bike or scooter

Engine Protect

Engine protect add-on covers the damages caused to the engine of your bike or scooter due to water logging or water spillage and pays for replacement or repair of the engine of the insured vehicle.

Benefits of comprehensive bike insurance

Own-Damage Cover

Pays for repair or replacement of your bike if it is damaged in an accident, fire, flood or other insured event.

Third-Party Liability

Covers financial liabilities if your bike causes injury, death or property damage to a third party.

Theft Protection

Provides compensation up to the IDV if your bike is stolen or not recovered after theft.

Add-On Flexibility

Allows you to strengthen cover through Zero Depreciation, Engine Protect, Consumables and Roadside Assistance.

No Claim Bonus (NCB)

Offers premium discounts for every claim-free year, reducing long-term insurance costs.

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 that determine comprehensive bike insurance premium

Bike age and condition

Age, mileage and maintenance can affect risk perception.

Fuel type and engine size

Larger engines or performance-oriented models typically attract higher premiums.

Policy type and coverage level

Adding extra covers or opting for longer tenures influences pricing.

Local repair costs

City-wise labour and spare-part costs can impact premium calculations.

Claim history

Frequent claims reduce no claim bonus and can raise future renewal premiums.

Riding location and usage

Daily commuting or use in accident-prone areas may lead to higher premiums.

Tips for choosing the right comprehensive bike insurance

Go for a comprehensive policy for wider coverage and better financial security.

Opt for suitable add-on covers as per your needs.

You can choose a long-term policy for continued coverage without the hassles of annual renewals. Moreover, long-term comprehensive bike insurance plans also help save on the aggregate premium cost because of the available discounts.

Choose appropriate Insured Declared Value (IDV) so that the claim pay-out will be higher in the case of theft or total loss.

Check for discounts, if any.

When filling up the proposal form for buying the comprehensive bike insurance policy, ensure that you enter all the correct details.

Steps to buy comprehensive bike insurance online from Zurich Kotak

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.

How to claim Two-Wheeler Insurance online at Zurich Kotak

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 About Comprehensive Bike Insurance Policy

Questions you may have about Zurich Kotak General Insurance

IDV (Insured Declared Value) is the maximum amount the insurer will pay if your bike is stolen or deemed a total loss. It reflects the current market value of your two-wheeler. Choosing an appropriate IDV is essential: setting it too low reduces your claim payout, while setting it too high increases your premium unnecessarily. A correctly chosen IDV supports fair compensation under comprehensive bike insurance.

NCB (No Claim Bonus) is a discount on the own-damage portion of the premium granted for every claim-free year. It generally starts at 20 per cent and can increase up to 50 per cent over consecutive claim-free years. Under comprehensive two wheeler insurance, NCB helps lower long-term costs and can usually be transferred when you change insurers or vehicles, subject to conditions.

Comprehensive bike insurance is a full policy that covers own damage, third-party liability, theft, fire, natural calamities and certain man-made incidents. Zero Depreciation is an add-on, not a separate policy. It removes or reduces the depreciation deduction on parts during claim settlement, leading to a higher payout. Pairing a comprehensive policy with a Zero Depreciation add-on generally offers stronger protection.

You typically need your policy document, Registration Certificate (RC) copy, driving licence, identity and address proof, and a duly completed claim form. For theft or third-party losses, an FIR is usually required. The insurer may also ask for repair estimates, final bills and photographs of the damaged vehicle. Keeping these documents ready helps ensure quicker claim processing.

Buying comprehensive bike insurance online allows instant policy issuance, easy premium calculation, quick comparison of coverage options and secure digital payments. Documentation is minimal, and the policy is emailed to you straight away. You can also manage add-ons, renewals and often track claims online. Many insurers also provide online-only offers or discounts, making cover more cost-effective.

No. Only third-party bike insurance is legally compulsory under the Motor Vehicles Act. However, relying only on third-party cover leaves your own vehicle unprotected. Comprehensive bike insurance is strongly recommended because it covers damage to your bike as well as third-party liabilities, reducing your overall financial risk.

Yes. Most insurers allow you to renew comprehensive motorcycle insurance online in a few steps. You simply enter your policy details, review the updated premium, adjust add-ons if needed and make the payment. The renewed policy is then issued instantly and emailed to you. Timely renewal helps retain your NCB and ensures there is no break in cover.

Yes, natural disasters such as floods, earthquakes, cyclones, storms and landslides are usually covered under 2 wheeler comprehensive insurance. Since these events can cause severe damage, the policy offers important financial protection against such unpredictable risks.

No. A comprehensive bike insurance policy already includes third-party liability cover along with own-damage protection. It satisfies the legal requirement and also covers damage to your own bike. You do not need to buy a separate third-party policy if you hold a valid comprehensive plan.

Yes. Comprehensive cover is equally relevant for scooters. It protects against accidental damage, theft, fire, natural calamities and third-party liabilities. Since scooters are often used for daily commuting and short trips, they are exposed to scratches, minor collisions and traffic risks. A comprehensive policy helps safeguard both the scooter and the rider’s finances.