Comprehensive Bike Insurance

A comprehensive Bike Insurance to Protect your Bike

Motor Insurance Bike Insurance Comprehensive Bike 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

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
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
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
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
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.

Key features of comprehensive bike insurance

Wide Coverage Protection
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
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
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
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.

Compare bike insurance plans with Zurich Kotak

Compare bike insurance plans with Zurich Kotak
Premium Features	Comprehensive Plan	Own Damage Plan
Bike damage due to natural disasters	Included	Included
Bike damage due to man-made calamities eg: riots	Included	Included
Bike damage due to fire	Included	Included
Damage to third party vehicle	Included	Not included
Damage to third party property	Included	Not included
Third party’s death or injury	Included	Not included
Theft coverage	Included	Included
Personal accident cover	Included	Not included
Zero Depreciation cover add-on inbuilt	Included	Not included
Extra coverage with optional add-ons	Included	Included
No claim bonus up to 50%	Included	Included
Cashless repairs	Included	Included

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.
Garage Cash
Garage Cash add-on pays a daily allowance to enable you to meet your daily conveyance cost through hired transport during the period when you bike is under repair.

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 ?

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

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