Motor Insurance Two Wheeler InsuranceThird Party Two Wheeler Insurance

Third-party Two Wheeler Insurance

Ride safe on every road, stay protected with Zurich Kotak Third-Party Bike Insurance

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Note: The above data is till 1st April, 2025

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 policy , 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

Legal compliance

Meets the mandatory requirement under the Motor Vehicles Act of 1988.

Financial protection

Covers liability for injury, disability, or death of third parties.

Property damage cover

Compensation for third-party property damage up to ₹7.5 lakh.

Personal accident cover

Mandatory cover for the owner-rider (up to ₹15 lakh).

Affordable premiums

Premiums set as per IRDAI guidelines for transparency and fairness.

Instant policy issuance

Buy or renew online in minutes with zero paperwork

Nationwide support

A vast network of partner garages for quick assistance

24x7 customer service

Dedicated helpline for claims and queries anytime

Legal compliance

Meets the mandatory requirement under the Motor Vehicles Act of 1988.

Financial protection

Covers liability for injury, disability, or death of third parties.

Property damage cover

Compensation for third-party property damage up to ₹7.5 lakh.

Personal accident cover

Mandatory cover for the owner-rider (up to ₹15 lakh).

Affordable premiums

Premiums set as per IRDAI guidelines for transparency and fairness.

Instant policy issuance

Buy or renew online in minutes with zero paperwork

Nationwide support

A vast network of partner garages for quick assistance

24x7 customer service

Dedicated helpline for claims and queries anytime

Different types of third-party two-wheeler insurance

Single-year policy

Valid for one year and renewable annually. It offers flexibility but requires timely renewal to avoid a lapse in coverage.

Long-term policy

Provides protection for 3 or 5 years, making it convenient and shielding you from yearly premium hikes.

What's covered?

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.

What is not covered?

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.

What add-ons are available with third-party bike insurance?

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.

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.

What Factors Affect third-party bike insurance premium?

Engine capacity

Higher CC leads to higher premiums.

Policy tenure

Long-term policies cost more upfront but save over time.

Add-ons

Optional covers increase the final cost.

Taxes

GST and other charges are added to the base premium.

Location

Regional claim patterns may slightly affect charges.

Tips to reduce your 3rd party bike insurance costs

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.

Steps to buy Zurich Kotak third-party bike insurance

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.

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 file a third-party bike insurance claim online?

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).

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).

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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

Questions you may have about Zurich Kotak General Insurance

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 the accident details, the victim’s income and age, and other relevant factors to decide fair compensation. When a third-party claim is made, the insurer is legally bound to pay the compensation amount awarded by the tribunal.

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.