TVS Bike Insurance
Limit your speed, not your two-wheeler insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
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Two-Wheeler insurance for TVS bike & scooter
TVS has built its reputation on dependable engineering, smooth performance and everyday practicality, making its bikes and scooters a trusted choice for millions of riders across India. Yet even the most reliable two-wheeler faces real-world challenges, where a moment’s distraction, busy roads or an unforeseen mishap can quickly lead to expensive consequences. This is where TVS Insurance plays a crucial role in protecting your ride and your finances.
A thoughtfully chosen bike insurance plan helps cover repair costs, third-party liabilities and potential losses, allowing riders to stay prepared without compromising on peace of mind. With a clear TVS insurance policy, managing risks becomes simpler while keeping the TVS insurance price aligned with your coverage needs. The result is smoother ownership, greater confidence and uninterrupted journeys, backed by protection designed to support your TVS bike or scooter at every turn.
Key features of TVS bike insurance
A reliable TVS bike insurance plan is designed to keep your two-wheeler protected while keeping ownership costs efficient and straightforward. Here’s what makes a TVS insurance policy truly beneficial:
Benefits of TVS bike insurance
Choosing TVS bike insurance ensures your two-wheeler stays protected while making the entire ownership experience smoother and more manageable. Here are the key advantages:
Instant Policy Issuance
Buying or renewing your TVS insurance policy online is quick and hassle-free, with coverage activated immediately.
Instant Quote & Clear Pricing
You receive an upfront premium estimate, helping you understand the tvs insurance price before making a decision.
Paperless Convenience
The digital process allows easy TVS insurance policy download, eliminating physical paperwork and manual storage.
Transparent Purchase Process
All policy details, inclusions and terms are clearly displayed, allowing more informed decisions.
Easy & Quick Renewal
Renew your TVS bike insurance from anywhere by entering basic details, ensuring uninterrupted coverage.
Credibility Check Made Simple
Online access makes it easier to evaluate insurer reliability through claim settlement data and customer feedback.
Types of TVS two wheeler insurance Zurich Kotak offers
Choosing the right TVS bike insurance depends on how much protection you want and how you use your TVS two-wheeler. Zurich Kotak offers structured options under its TVS insurance policy to cover both legal requirements and real-world risks, while keeping
This multi-year plan covers both own-damage and third-party liabilities. It protects your TVS bike against accidents, theft, fire and natural calamities, while reducing the need for frequent renewals and helping manage long-term costs.
A basic tvs insurance option that fulfils legal requirements by covering third-party injury or property damage. It does not cover damage to your own TVS bike, but keeps the premium more affordable.
Ideal for new TVS owners, this policy includes five years of third-party cover and one year of own-damage protection. It offers convenient, ready-to-use coverage in a single purchase.
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Inclusion & exclusions of TVS two wheeler insurance
Knowing what your TVS bike insurance covers — and where it stops — helps you avoid surprises at the time of a claim and choose the right TVS insurance policy with confidence.
Fire and explosions
Damage caused due to fire, self-ignition or explosions is covered, including repair or replacement costs.
Natural disasters
Losses due to floods, earthquakes, cyclones, storms and landslides are included under comprehensive TVS insurance cover.
Third-party damage
Any injury or property damage caused to a third party by your TVS bike is covered, as per legal requirements.
Personal Accident Cover
Provides financial support in case of accidental injury, permanent disability or death of the policyholder.
Theft
If your TVS two-wheeler is stolen, compensation is paid based on its Insured Declared Value (IDV).
Man-made incidents
Damage caused by riots, vandalism, strikes or malicious acts is included under comprehensive coverage.
Wear and tear & ageing
Normal depreciation, rusting and general ageing of parts are not covered.
Depreciation and indirect losses
Losses due to reduced part value are excluded unless you opt for add-ons such as Depreciation Cover.
Unauthorised usage
Using the bike for racing, stunts, or commercial purposes (unless declared) can lead to a claim rejection.
Mechanical or electrical failures
Breakdowns are not covered unless you select the Engine Protect add-on.
Driving under the influence
Claims are rejected if the rider is found under the influence of alcohol or drugs.
No valid licence
Accidents occurring without a valid driving licence are not eligible for claim settlement.
War or nuclear risks
Damages due to war, nuclear explosions or radioactive contamination are excluded.
Why should you buy TVS bike insurance from Zurich Kotak?
Experience seamless protection and security with us
Choosing the right cover for your TVS bike goes beyond basic compliance. It should make ownership smoother, more cost-efficient and easier to manage over time. Here is why riders prefer Zurich Kotak for their TVS bike insurance needs:
Quick and time-saving process
Get instant quotes and complete your TVS bike insurance purchase online within minutes, without paperwork or branch visits.
Better value for money
Benefit from competitive premiums, long-term policy savings and No Claim Bonus advantages for claim-free riding.
Effortless policy management
From simple online renewals to access to cashless repair facilities at network garages, managing your policy stays hassle-free.
Instant discounts on Bike Policy
Enjoy potential savings for AAI membership, approved anti-theft devices and a consistent safe driving record.
24x7 Customer care support for bike policy
Round-the-clock assistance for claims, renewals and policy-related queries ensures support whenever you need it.
Trusted and reliable claim experience
With an established claim settlement process, Zurich Kotak helps streamline repairs and reduce claim-related stress for TVS bike owners.
Steps to buy bike insurance online from Zurich Kotak General Insurance
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.
How to buy two-wheeler Insurance for a second-hand TVS bike?
Buying insurance for a pre-owned TVS bike is a simple process when you follow the proper steps. The goal is to ensure your TVS bike insurance reflects your ownership and provides complete, uninterrupted protection.
Get a Quote: Start by visiting the Zurich Kotak two-wheeler insurance page and clicking on the option to get a bike insurance quote. Select TVS as the brand and choose the relevant model to proceed.
Enter Vehicle Details: Provide key information such as the registration number, model, variant, year of manufacture and RTO details of your second-hand TVS bike. This helps generate an accurate TVS insurance price based on the bike’s current value and condition.
Add Personal Details: Enter your personal information and verify your ownership details. You can then review coverage options, select add-ons if required, and choose the most suitable TVS insurance policy.
Make Payment: Complete the process with secure online payment. Once confirmed, your policy is issued instantly and can be saved or downloaded for future reference, ensuring your TVS bike is covered without delay.
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Steps to renew bike insurance policy online from Zurich Kotak General Insurance
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 General Insurance
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
To insure a second-hand TVS bike, start by checking the existing policy status. If the policy is active, initiate a name transfer within 14 days. If expired, purchase a fresh TVS bike insurance policy online by entering your bike’s registration number, model, and year. Choose a comprehensive plan for better coverage and add-ons like Engine Protect or Return to Invoice for enhanced benefits. You will receive the digital policy instantly.
Yes, you can transfer your existing TVS bike insurance policy when upgrading from Jupiter to Apache. Inform Zurich Kotak about the new vehicle details, provide the registration certificate, and pay the applicable endorsement fee. The insurer will reissue the policy with updated details. However, the premium may change because the insured declared value (IDV) and risk profile differ between the two models.
Yes. Installing ARAI-approved anti-theft devices—such as handle locks, GPS trackers, or immobilisers—can help lower your TVS bike insurance premium. These devices reduce the risk of theft, and Zurich Kotak may offer discounts of up to 2.5% on the own-damage premium. Ensure you submit the installation certificate for the discount to be applied.
Buying TVS bike insurance online is quick and takes only a few minutes. Visit Zurich Kotak’s website, enter your bike details, choose the coverage type, add optional covers, and make the payment securely. Upon completion, your digital policy is instantly generated and emailed to you. The entire process is paperless and, in most cases, requires no physical verification.
The premium for TVS bike insurance depends on several factors, including the bike model, IDV, age, location, add-ons selected, and claim history. A basic third-party cover has a fixed IRDAI-regulated premium, while comprehensive plans vary based on coverage and risk profile. Using Zurich Kotak’s online premium calculator can help you estimate the exact TVS bike insurance price for your model.
Yes, comprehensive TVS bike insurance covers repair costs resulting from accidents, fire, natural disasters, and man-made incidents. You can also get repairs through Zurich Kotak’s cashless garages without paying up front. However, mechanical breakdowns or wear-and-tear repairs are excluded unless you purchase specific add-ons, such as Engine Protect or Consumables Cover.
A long-term TVS bike insurance plan is usually better because it protects you for multiple years without yearly renewal. It also helps you avoid premium hikes, reduces the risk of policy lapses, and offers higher No Claim Bonus accumulation. Single-year plans work well for riders needing short-term coverage, but long-term plans are more economical and convenient overall.
You can lower your TVS bike insurance premium by maintaining a claim-free record to earn higher NCB, installing ARAI-approved anti-theft devices, opting for voluntary deductibles, selecting essential add-ons only, and renewing your policy on time. Comparing plans and choosing long-term policies also helps reduce the overall cost. Using online tools ensures transparency and better savings.