Scooter & Scooty Insurance
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Note: The above data is till 30th Sep, 2024
What is Scooter Insurance?
A scooter insurance policy is one that covers the financial losses that you might suffer if you are involved in an emergency related to your vehicle. For instance, if your vehicle gets damaged in an accident, the scooty insurance policy will cover the cost of repairing your two-wheeler.
The Motor Vehicles Act, 1988 mandates the requirement of a scooty insurance policy on your beloved two-wheeler. So, whether you have a scooty or a scooter, invest in a two-wheeler insurance policy and secure your ride against unforeseen contingencies.
Scooter insurance plans in India are primarily of two types
Third party scooty insurance plans
A third-party insurance for scooty is the basic cover which is mandated under the Motor Vehicles Act. The plan undertakes your financial liability if your scooter causes financial loss to any third party.
Comprehensive scooter insurance plans
Comprehensive plans have a wider scope of coverage. They cover the mandatory third-party liability and also extend coverage for the damages that your scooter might suffer.
Key features of Two Wheeler Insurance from Zurich Kotak
Discover the exciting bike Insurance Features that go the extra mile for your safety
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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.
Features of scooter insurance
Here are some of the salient features of an insurance policy for scooty or scooter in India –
While the third-party coverage is mandatory, the comprehensive plan is optional. However, a comprehensive plan can prove to be the best insurance for scooty.
If you buy a new vehicle, the new scooter insurance plan should have a third-party coverage of at least five years. The own damage cover, however, can be taken for a year.
Premiums for third-party scooter insurance plans are fixed by the Insurance Regulatory and Development Authority of India (IRDAI).
Long-term scooty insurance plans are available. These plans can be the best scooter insurance plans for continuous coverage without annual renewals.
Comprehensive plans allow optional coverage benefits in the form of add-ons.
Find the best scooty insurance plans with comprehensive coverage for your bike. Buy a 125cc scooter insurance plan online in a few clicks.
Scooter insurance price in India
The scooty insurance price depends on a lot of factors. Here’s a look at the factors and how they affect the scooter insurance cost –
Factors | Impact on the premium |
Type of policy | Third-party plans are cheaper compared to comprehensive plans. The third party insurance price for scooty is fixed by the IRDAI and can change. |
Engine capacity | The scooty insurance charge for third-party plans depend on the engine capacity. Higher the capacity, higher the premium. |
Value of the scooter | The cost of the scooter affects the price. Higher the cost, higher the price |
Tenure | The scooty insurance price for 1 year will be cheaper than the scooty insurance price for 5 years. |
Registration date and location | Older vehicles have lower premiums than new ones. Moreover, scooters registered in metro cities have higher premiums compared to other cities. |
Add-ons selected | If you choose optional add-ons, the premium will increase because add-ons come with additional premiums. |
Insured Declared Value (IDV) | The IDV represents the scooter insurance amount or the coverage level. Higher IDVs incur higher premiums and vice-versa. |
How to buy scooty insurance online?
Scooter insurance plans are available online and you can buy them with a few clicks of your computer or even your Smartphone. To buy scooty insurance, visit Zurich Kotak General Insurance and buy the most suitable plan for your beloved bike.
Simply enter the details of your bike like the registration number, make and model, registration date, type of policy you want and a few other information. Get the policy quotes and buy insurance for scooter within minutes. It is a simple and hassle-free process and your scooter gets insured instantly.
No lengthy documentation. Buy scooty insurance online and insure your ride.
Third-party scooter insurance premium
As mentioned earlier, the scooty insurance third-party price is determined by the IRDAI and is regularly reviewed. After the latest review, the third-party scooter insurance cost, effective from 1st June 2022, is as follows –
Engine capacity of the vehicle | One-year premium | Five-year premium |
Up to 75 cc | Rs.538 | Rs.2901 |
76 cc to 150 cc | Rs.714 | Rs.3851 |
151 cc to 350 cc | Rs.1366 | Rs.7365 |
More than 350 cc | Rs.2804 | Rs.15,117 |
Note – The aforementioned cost of third-party insurance for scooty does not include GST. A GST of 18% will be added on the third party scooty insurance premium.
The online scooter insurance 3rd party premium might change as the IRDAI reviews the premiums annually. The premium might increase or decrease based on the review.
The premium is the bare minimum premium for covering your financial liability against third parties when using your scooter. Check out the premium vis-à-vis the engine capacity of your scooter and buy the policy.
Comprehensive scooter insurance premium
The premium for a comprehensive scooter insurance policy is higher compared to the third-party policy. The reason is simple. Comprehensive plans offer wider coverage; hence the premiums are higher. The premium for the comprehensive cover consists of the third-party premium and the own damage premium. Moreover, if you opt for add-ons, the premiums for the same are added to arrive at the final premium amount.
Scooty insurance for models
Whatever the model of your scooty or scooter, find a suitable insurance plan for it.
Zurich Kotak Scooter Insurance policy is available for the following brands –
Honda Activa | Ola S1 | Suzuki Access 125 |
TVS NTORQ 125 | Ather 450X | TVS Jupiter |
Yamaha Aerox 155 | Yamaha Fascino 125 | Bajaj Chetak |
Hero Vida V1 | Hero Maestro Edge 125 |
Add–ons available for scooty insurance
Add oncover mean additional coverage features that you can add to your scooter insurance policy for a comprehensive protection. Here are the add-ons that you can get with Zurich Kotak scooter insurance plans
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.
Steps to buy bike insurance online from Zurich Kotak
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.
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Tips for choosing the right scooty insurance policy
Wonder not! Here are some tips on how to select the best scooty insurance policy for your vehicle
Opt for a comprehensive plan because it offers the widest scope of coverage.
Choose suitable add-ons to enhance the coverage further and customise your policy.
Look for a suitable Insured Declared Value so that you can get a higher claim payout in the case of total loss or theft.
Look for premium discounts to make your premium more affordable.
Opt for long-term scooter insurance plans so that you can enjoy continuous coverage without the hassle of annual renewals. Moreover, long-term plans also allow premium discounts.
Steps to renew bike insurance policy online from Zurich Kotak
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.
How to claim Two-Wheeler Insurance online at Zurich Kotak
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
List of documents required for filing a bike insurance claim
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
Steps to download physical copy of Bike Insurance Policy
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
Bike Insurance glossary
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.
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Frequently Asked Questions about Scooty Insurance
Yes, under the provisions of the Motor Vehicles Act of 1988, every scooter in India should be insured under a valid third-party liability insurance policy. Besides being mandatory, the coverage also offers financial security in case of losses due to your scooter. So, scooters need insurance in India.
No, a comprehensive scooter insurance plan is not mandatory in India. The mandatory coverage is the third-party liability insurance policy. A comprehensive plan is recommended because it offers a wider scope of coverage. A comprehensive policy covers the third party's legal liability and also covers the theft or damage to your scooter.
The cost of a scooter insurance policy depends on multiple factors. These include the type of policy that you choose, the make and model of your scooter, registration date and location, add-ons selected, no claim bonus available, etc. These factors are taken into consideration, and then the insurance cost is determined.
A scooty insurance policy covers all scooters and scootys that you buy for personal use.
The right insurance company will be the one which fulfils the below-mentioned parameters –
a. It offers a comprehensive scope of coverage.
b. It offers a range of add-ons to choose from.
c. There are attractive premium discounts.
d. The premium rates are low,
e. The company has a wide network of cashless garages
f. The claim process is simple, quick and convenient
g. Zurich Kotak General Insurance fulfils all these criteria and can prove to be the right insurance company for your scooty.
If you buy a new scooter or scooty, you can buy third-party coverage for 5 years. Many companies also offer long-term plans that offer both third-party and own damage cover for 5 years. So, you can buy insurance for 5 years for new scooters or scootys.