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TVS Bike Insurance

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6500+

Cashless Garages

Jet-Speed

Claims

Upto 50%

No Claim Bonus

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Around The Clock Assistance

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

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

Cashless Servicing

With TVS Insurance, damaged bikes can be repaired at authorised network garages without paying upfront, as approved repair costs are settled directly.

No Claim Bonus (NCB) Benefits

Claim-free years help reduce your renewal premium, lowering the overall TVS insurance price over time.

Premium Discounts

Riders enjoy savings for a safe driving history, installation of approved safety devices and opting for long-term coverage under their TVS bike insurance.

AAI Member Discounts

Additional concessions are available for Automobile Association of India members with a valid TVS insurance policy.

Cashless Servicing

With TVS Insurance, damaged bikes can be repaired at authorised network garages without paying upfront, as approved repair costs are settled directly.

No Claim Bonus (NCB) Benefits

Claim-free years help reduce your renewal premium, lowering the overall TVS insurance price over time.

Premium Discounts

Riders enjoy savings for a safe driving history, installation of approved safety devices and opting for long-term coverage under their TVS bike insurance.

AAI Member Discounts

Additional concessions are available for Automobile Association of India members with a valid TVS insurance policy.

Types of TVS two wheeler insurance Zurich Kotak offers

Long Term Two-Wheeler Secure (Comprehensive)

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.

Long Term Two-Wheeler Secure – Liability Only

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.

Long Term Two-Wheeler Secure – Bundled

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.

Two-Wheeler Protect – OD Only

Suitable if you already have third-party insurance, this plan focuses on safeguarding your TVS bike against physical damage caused by accidents, theft, or natural disasters.

What's covered?

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.

What is not covered?

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.

Benefits of TVS bike insurance

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.

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.

Steps to buy bike insurance online from Zurich Kotak General Insurance

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.

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 claim Two-Wheeler Insurance online at Zurich Kotak General Insurance

Call us on 1800-2120 (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 1800-2120 (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.

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

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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

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.