Product | UIN No. |
---|---|
Two Wheeler Protect - OD Only | IRDAN152RP0013V03201920 |
Limit your speed, not your two-wheeler insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
4400+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
93.56%
Claim Settlement Ratio
24/7
Around The Clock Assistance
Note: The above data is till 30th Sep, 2024
The own damage insurance meaning is quite clear from its name. The policy covers only own damages, i.e., the damages that the bike might suffer due to natural, accidental or man-made causes. Moreover, if the bike is stolen, then also the two-wheeler's own damage insurance policy pays a claim for the loss that you suffer.
Hence, the own damage insurance meaning includes coverage of the bike against natural and man-made calamities like fire, riots, earthquakes, storms, floods, etc. Moreover, the policy goes on to cover the theft of the bike.
The two-wheeler's own damage insurance policy can be taken if you already have an existing third-party liability insurance policy.
You can even extend the scope of your own damage cover by adding add-ons. Add-ons are optional coverage features that are available at an additional premium. Add-ons help enhance the claim payout and come to your aid in bike-related emergencies.
Discover the exciting bike Insurance Features that go the extra mile for your safety
Bike insurance is your safety net on the roads. Explore more why you need it
Mandatory
Third-party liability insurance is mandatory under The Motor Vehicles Act, of 1988 and every owner of the 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 calamities
A comprehensive two-wheeler insurance policy covers natural and manmade calamities that might result in significant repair costs or total loss of your bike. You can get coverage and financial protection against such disasters under bike insurance.
Cover against third-party damage
Bikes are prone to accidents in comparison to cars. Your bike might injure a third party or damage their property thereby raising legal third-party liabilities. Such third-party liability may drain you financially in the absence of a bike insurance policy. You will get 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 Vehicle Act.
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.
See what makes our bike insurance policies stand out!
Two Wheeler Protect - OD Only covers the cost of repair in case of damages caused to your bike or loss incurred due to theft.
Own-Damage Cover
Own-damage insurance covers all the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc. It compensates even if your bike or scooter is destroyed in a fire or any other disaster.
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 all the repair expenses and bear all the costs associated with it. Know more about the surprising things covered by motor insurance.
Own-Damage Cover
Own-damage insurance covers all the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc. It compensates even if your bike or scooter is destroyed in a fire or any other disaster.
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 all the repair expenses and bear all the costs associated with it. Know more about the surprising things covered by motor insurance.
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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.
Natural disasters
When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.
Third party damage
We’ll cover you for all third-party damages caused due to a road accident or any other mishap involving your two-wheeler. You are protected against accidents and mishaps on the road.
Personal accident
Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.
Theft
You should never have to worry about anything when it comes to protection from theft. Because two-wheelers are easy targets for thieves, we'll cover it all for your bike.
Man-made calamities
We safeguard your vehicle against all man-made disasters such as theft, burglary, strikes and riots. We keep your vehicle safe & protected always.
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.
Vehicle without valid license
Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.
Nuclear risk or war
Does not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service.
The benefits of having your own damage two-wheeler insurance policy are many. These benefits are as follows –
1. The policy covers your bike’s damages and pays for the considerable financial loss that you might suffer.
2. The add-ons available under your own damage cover help you enhance the scope of the policy and get higher claims.
3. You can earn a claim bonus for every claim-free year and enjoy attractive premium discounts.
4. You can opt for other discounts that the policy offers to make the premium affordable
5. You get complete peace of mind knowing that theft or damage to your bike will be compensated by the insurance company.
The own damage bike insurance policy is suitable for every bike owner, especially those who have a new bike. The policy will cover damages to the bike and even theft. So, buy your own damage bike insurance plan if –
1. You have a new bike
2. You have a premium bike
3. You want financial security against damages
4. You want to cover the theft of the bike.
The own damage bike insurance policy is available for old bikes too. You can buy a policy whether you buy a new bike or a used one.
So, whether you have a brand-new bike or an old one, buy your own damage policy for better coverage.
Customize your coverage with our amazing add-ons - they're like bonus features for your bike protection!
Depreciation Cover
Zero depreciation is an add-on cover in which the claim amount is paid by the insurance company without considering the factor of depreciation 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.
Personal Accident Cover
PA cover is an optional add-on benefit of up to 15 lacs for death or total and permanent disablement due to an accident. The cover is available only for owner/driver of the bike/scooter. The cover is mandatory unless you have an existing PA cover with a minimum sum insured of Rs.15 lakhs.
Experience seamless protection and security with us
You and Zurich Kotak bike Secure have the mutual goal of keeping your bike safe and sound. Under any unforeseen circumstances, Zurich Kotak Bike insurance provides all-around protection. With Zurich Kotak bike Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Zurich Kotak’s cashless garage network across India.
Time Saving Bike Policy
No need to spend hours in buying a bike insurance policy for your bike. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your bike and take it for a spin without worrying about potential financial losses.
Money Saving Bike Policy
Zurich Kotak Bike insurance comes at affordable premiums starting as low as Rs.2094. So, insure your bike without burning a hole in your pockets with Zurich Kotak Bike insurance plans.
Effort Saving Bike Policy
At Zurich Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Instant discounts on Bike Policy
Zurich Kotak offers bike insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.
24x7 Customer care support for bike policy
Need help in buying, renewing or making a claim on your bike insurance policy? Zurich Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.
Trusted and reliable bike policy
At Zurich Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Zurich Kotak General Insurance offers different types of bike insurance plans
Quick & hassle-free
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.
Instant quote & issuance of policy
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.
Paperless procedure
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.
Transparent process
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.
Easy and quick renewal
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.
Checking the credibility of the insurer is easy.
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
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.
See how simple it is to get a bike insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as bike registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Bike insurance Page and review coverage
Intimate Claim
Quick Verification
Instant Settlement
Understand the key factors that affect your two-wheeler insurance premiums
Looking for the best own-damage bike insurance coverage? Here’s how to choose the best own-damage bike insurance
Opt for a higher IDV of your bike, i.e. Insured Declared Value. This will give you a higher claim payout in the case of theft of the bike or if the bike is damaged beyond repair.
Choose suitable add-ons with the plan to enhance the scope of the policy and get complete protection.
Look for the discounts available with the coverage. Get as many discounts as possible so that you can lower the premium outgo.
Check the list of cashless garages of the insurance company. A company that is tied up with the greatest number of cashless garages will be a better pick since you will be able to locate the nearest networked garage easily.
Understand the claim process of the insurer. The easier the process, the better the policy will be.
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak 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.
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
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
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
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a two-wheeler insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
There's always more to know about bike Insurance
Your guide to RTO offices. Get insights into different locations
RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.
Easy access to more, check out these quick links
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Product | UIN No. |
---|---|
Two Wheeler Protect - OD Only | IRDAN152RP0013V03201920 |