Written By : Zurich Kotak General Insurance - Last updated: Oct 13th, 2025
Third-party Two Wheeler Insurance
Ride safe on every road, stay protected with Zurich Kotak Third-Party Bike Insurance
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What is Two-Wheeler Third-Party Insurance
Third-party bike insurance, also known as third-party two-wheeler insurance, is the minimum legally required coverage for every bike owner in India. It provides financial protection against liabilities arising from damage or injury caused to another person, vehicle, or property while riding your bike.
According to the Motor Vehicles Act of 1988, every two-wheeler in India is required to have at least third-party insurance. While it does not protect your own bike, it ensures that accident victims are compensated and that you remain compliant with the law. With Zurich Kotak bike insurance, you can get this essential protection quickly and affordably, ensuring both safety and legal compliance.
Key features of third-party bike insurance by Zurich Kotak
Zurich Kotak’s third-party two-wheeler insurance is designed to give riders peace of mind. Some of the most important features include:
Different types of third-party two-wheeler insurance
Not every rider has the same needs, which is why third-party insurance is available in two formats.
Valid for one year and renewable annually. It offers flexibility but requires timely renewal to avoid a lapse in coverage.
Provides protection for 3 or 5 years, making it convenient and shielding you from yearly premium hikes.
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What are the inclusions and exclusions of third-party bike insurance?
Like all insurance policies, third-party coverage comes with specific inclusions and exclusions. Knowing them in advance helps set the right expectations.
Injury or death of third parties
Covers medical expenses, disability, or compensation in case of death.
Property damage
Covers third-party property damage up to ₹7.5 lakh.
Legal liability
Protects against lawsuits arising from injuries or damages caused by third parties.
Mandatory personal accident cover
Provides up to ₹15 lakh for the owner-rider, as per IRDAI norms.
Own damage
No cover for the repair or replacement of your own bike.
Rider injuries
Excludes medical costs for the owner-rider, except the mandatory personal accident cover.
Non-compliance
Claims are invalid if riding without a valid license or under the influence of alcohol/drugs
Illegal use
Accidents during racing or unlawful activities are not covered.
Wear and tear
Normal depreciation or mechanical/electrical breakdowns are excluded.
Why is it Mandatory to Buy Third-Party Bike Insurance?
The requirement for third-party insurance comes from the Motor Vehicles Act of 1988. It is not just a legal formality, but it plays an important role in protecting accident victims and reducing disputes after accidents.
Riding without this cover can lead to fines, penalties, or even suspension of your license. More importantly, accident costs can sometimes run into lakhs, and without third-party insurance, you would need to cover those expenses yourself. With insurance, however, the insurer pays the compensation, ensuring financial safety for all parties involved.
By buying third-party bike insurance from Zurich Kotak, you fulfil your legal obligation while also protecting yourself from unexpected financial burdens.
Why Choose Zurich Kotak for Third-Party Bike Insurance?
Choosing the right insurer matters just as much as having the right coverage. Zurich Kotak stands out because it combines global expertise with local reliability. With a strong claim settlement ratio, a 24x7 support team, and a vast network of cashless garages, the company ensures smooth and stress-free service.
Policies are instantly issued online, renewals are quick and digital, and premiums are always compliant with IRDAI guidelines. With Zurich Kotak, you don’t just stay legally covered, you ride with confidence.
What is the Difference Between Comprehensive and Third-Party Bike Insurance?
While third-party insurance fulfils legal requirements, many riders opt for comprehensive coverage for wider protection. The two options differ in key ways:
Feature | Third-Party Insurance | Comprehensive Insurance |
Coverage | Liabilities to third parties only | Third-party liabilities + own bike damage |
Legal Requirement | Mandatory under the Motor Vehicles Act, 1988 | Optional |
Cost | Lower premium | Higher premium |
Best for | Riders seeking affordable legal compliance | Riders who want complete protection for the bike and rider |
For riders who only require compliance, a third-party certification is sufficient. But for those who wish to have complete protection, a comprehensive policy is recommended.
What add-ons are available with third-party bike insurance?
Although third-party insurance is basic, Zurich Kotak offers select add-ons to increase its usefulness:
Personal Accident Cover for Pillion Riders
Ensure protection for your co-rider in case of unforeseen accidents.
Legal Liability for Paid Drivers
Stay covered against legal obligations involving hired drivers.
Zero Paperwork Add-on for Complete Digital Convenience
Enjoy a seamless, paperless experience from policy purchase to claims.
Roadside Assistance for Limited Breakdown Support
Get help when you need it most—whether it’s a flat tire or a minor breakdown.
Steps to buy Zurich Kotak third-party bike insurance
Buying third-party bike insurance online with Zurich Kotak is a quick and hassle-free process. The process involves just five steps:
Visit the Zurich Kotak website and choose third-party bike insurance.
Enter your bike's details, including the registration number, model, and year of manufacture.
Compare premium options and select add-ons if needed.
Make a secure online payment.
Receive your completely paperless policy instantly by email.
How to get an online quote for third-party bike insurance?
An online quote helps you estimate costs before making a purchase.
Simply enter your bike details, registration year, and location on Zurich Kotak’s portal.
The system calculates the premium instantly, in accordance with IRDAI guidelines, providing you with complete clarity on payable costs and add-on options.
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How is third-party bike insurance premium calculated?
The premium for third-party insurance is fixed by IRDAI and remains uniform across all insurers. It is determined primarily by the engine capacity of your bike:
● Up to 75cc: Lowest premium
● 75cc–150cc: Slightly higher premium
● 150cc–350cc: Higher premium
● Above 350cc: Highest premium
While the base rate is fixed, your total payable amount may also include add-ons, tenure, GST, and other charges.
What Factors Affect third-party bike insurance premium?
Although the base premium is regulated, certain factors can influence your total payable amount:
Tips to reduce your 3rd party bike insurance costs
Learn some savy tips to avoid actions that raise your 3rd party bike insurance costs
There are different ways to save bike insurance premium. Have a look at them –
Choose a suitable policy when buying bike insurance. While a comprehensive plan makes sense for a new bike, you can opt for a third-party liability cover for a bike which is very old and is not used much.
Zurich Kotak General Insurance offers a range of add-ons for your bike insurance policy. Since each add-on comes at an additional premium, you should choose only those add-ons which are required.
Always renew your policy on time since bike insurance premiums are lower for on-time renewals compared to lapsed policies.
If you are renewing your policy, look for the accumulated no claim bonus that you have. Use this bonus and claim a discount on the own damage premium to bring down the cost.
Besides the no claim discount, there are different other discounts that comprehensive bike insurance plans offer. These discounts can also lower your bike insurance premium and help you save. For instance, installing safety devices, being a member of AAI,
Zurich Kotak General Insurance offers long-term bike insurance plans. These plans not only cut down the hassles of annual renewals but they also prove cost-effective. So, opt for long-term plans and save bike insurance premium. Get effective tips to reduce bike insurance premium.
How to file a third-party bike insurance claim online?
Zurich Kotak ensures a smooth claim process, whether you choose cashless settlement or reimbursement.
Inform Zurich Kotak immediately via helpline or online.
Provide your policy number, accident details, and third-party information.
The insurance company will arrange for a survey and collect relevant documents.
Repairs at a network garage are settled directly by the insurer.
For injury or death, compensation is decided by the Motor Accident Claims Tribunal (MACT).
Get the bike repaired at a non-network garage and pay upfront.
Submit original bills, estimates, and receipts to Zurich Kotak.
The team at Zurich Kotak will verify the claim details.
Approved reimbursement will be credited directly to your bank account.
What documents are required to file a third-party claim?
To file a claim smoothly, keep the following documents ready:
Valid driving license of the rider.
Registration certificate (RC) of the bike.
Copy of the insurance policy document.
FIR in case of injury, death, or major property damage.
Repair bills and estimates (for reimbursement claims).
Duly filled claim form.
Any additional documents requested by the insurer or tribunal.
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a bike insurance gives access to cashless network garages which provides convenience and hassle-free bike repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
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
Yes. When you sell your two-wheeler, the third-party insurance policy must also be transferred to the new owner along with the Registration Certificate (RC). This ensures the new owner remains legally compliant from day one.
If your policy lapses, you are riding without valid insurance, which is illegal. You will need to buy a fresh policy before you can legally ride again. Some insurers may require a bike inspection if the lapse is long.
No. Third-party two-wheeler insurance is valid only within India. If you plan to ride abroad, you’ll need to check for country-specific insurance requirements.
In case of third-party injury or death, the MACT reviews accident details, the income of the victim, age, and other factors to decide fair compensation. The insurer is then legally bound to pay the awarded amount.
You cannot have two active third-party policies for the same vehicle. However, you can have a comprehensive policy that includes third-party coverage, or a standalone own-damage policy paired with a third-party policy.
As long as the rider has a valid driving license and the bike is insured, the third-party cover remains valid. However, claims may be denied if the rider was unlicensed, intoxicated, or using the bike illegally.