Bike Insurance in Delhi NCR
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Buy/Renew Two-Wheeler Insurance in Delhi Online
Riding a bike in Delhi NCR comes with unique commuting challenges, from congested streets and unpredictable traffic to higher risks of accidents and theft. Navigating busy areas and major highways increases daily exposure, making two-wheeler insurance an essential safeguard for riders. A valid policy ensures compliance with third-party liability regulations under the Motor Vehicles Act. For broader financial protection, comprehensive two-wheeler insurance covers accidental damage, fire, theft, and certain natural events, helping riders manage unexpected situations while commuting across the capital.
Zurich Kotak provides an easy online platform to buy or renew policies without paperwork or branch visits. Riders can compare coverage options, choose suitable add-ons, and complete payments securely. With access to network garages and a streamlined claims process, managing your two-wheeler insurance becomes simple and convenient.
Benefits of buying two-wheeler insurance in Delhi
Opting for the right two-wheeler insurance policy is essential to protect yourself from financial burdens arising from accidents or unforeseen events. A well-rounded plan not only meets legal requirements but also provides extended protection and value-ad
Two-Wheeler Insurance Plans in Delhi
Two-wheeler insurance in Delhi is generally available in a few standard types, each offering a different level of coverage. Each designed to meet different levels of protection and legal compliance for riders. Having the right plan in place helps ensure y
Offers extensive coverage, including third-party liability and own damage protection. It covers accidents, theft, fire, natural disasters, and man-made incidents. Ideal for riders navigating Delhi's busy roads.
Mandatory under law, this plan covers third-party injury, death, or property damage. It does not cover damages to your own bike, but ensures legal compliance in Delhi NCR.
This plan covers damages to your bike only and must be paired with an active third-party policy. Suitable for riders seeking customised protection at competitive premiums.
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What's covered/not covered under bike Insurance Policy
Understanding what your two-wheeler insurance policy covers helps you make informed decisions and ensures better financial protection while riding in Delhi.
Accidental & Man-made Events
Protection against damage caused by riots, vandalism, or malicious activities, crucial for a bustling metro.
Natural Disasters
Coverage for repairs necessitated by floods (a common monsoon woe in Delhi), earthquakes, cyclones, and landslides.
Theft Protection
If your vehicle is stolen, the policy compensates you based on the Insured Declared Value (IDV).
Fire & Explosions
Costs for repair or replacement are covered if the bike is damaged by fire, self-ignition, or lightning.
Third-party Damage
A legal mandate in India, this covers injuries or property damage caused by your bike to others.
Personal Accident
Financial support is provided to the policyholder in the unfortunate event of accidental injury, permanent disability, or death
Illegal Substance Influence
Claims are summarily rejected if an accident occurs while the rider is under the influence of liquor or drugs.
Wear and Tear
Gradual ageing, rusting, or general depreciation of bike parts over time are not covered under standard terms.
Mechanical or Electrical Failures
Standard policies do not cover breakdowns unless you have specific add-ons like Engine Protect Cover.
Non-Standard Usage
Using your personal bike for racing, high-risk stunts, or commercial activities not specified in the policy will lead to denied claims.
Consequential Losses
Indirect damages or losses resulting from an accident (rather than the accident itself) are excluded unless a Depreciation Cover add-on is active.
Contractual Liability
Any liability arising from a private contract or using the bike for obligations beyond personal/standard business use is typically not covered.
Garage's Network List in Delhi
Name | Address | MobileNumber |
BUGLEE AUTOMOBILES PRIVATE LIMITED | 62 RAMA ROAD,INDUSTRAIL. AREA,MOTI NAGAR, | 9205981378 |
59 Reapairs Cars | Som Bazar Rd,Bharat Vihar,Kakrola,Delhi, | 9911020209 |
Frontier Kia Gurgaon | 1,Ground FloorDelta Square BuildingMG Road | 8595933391 |
Jai Maa Motors | G-23 CSC-1SHOP NO 23Sector-7 RohiniDelhi | 9999087210 |
Magna Motors Shahdara | C-185EAST GOKALPURWAZIRABAD MAIN ROADSHAHDARA | 9891140126 |
PREM MOTORS - NARELA | Khasra No.36/22/2&36/19,Pana Udhyan Near Arya Samaj Road,Ramdev Chowk Narela, | 8868070380 |
Galaxy Maruti Motinagar | 8INDUSTRIAL AREATILAK NAGARTILAK NAGAR | 9312435232 |
ZEDEX MOBILITY LLP | PROPERTY NO 158,BLOCK B,GUJRAWALA TOWN 1,NEW DELHI | 9811204595 |
PAHWA AUTOSALES PVT LTD | 26/24,26/25,SHAKTI NAGAR,DELHI | 8800025155 |
ROYAL MOTORS | 101/21,NARELA ROAD,BAWANA,Delhi 110039 | 9213980328 |
Why you should buy bike insurance in Delhi
Bike insurance in Delhi is both a legal requirement under the Motor Vehicles Act and a key financial safeguard. It protects riders from liabilities, fines, and accident-related expenses, covering damage, theft, fire, and third-party claims. Comprehensive plans may include personal accident cover, while optional add-ons like zero depreciation and roadside assistance provide extra security and convenience. With growing traffic and urban riding risks, having reliable bike insurance ensures responsible ownership and helps manage unexpected events with financial confidence.
Add–ons available with bike Insurance policy by Zurich Kotak General Insurance
Customize your coverage with our amazing add-ons - they're like bonus features for your bike protection!
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.
How to Buy Two-Wheeler Insurance in Delhi
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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How to calculate bike insurance premiums in Delhi
Premium calculation combines several components to arrive at the total payable amount:
● Third-Party Liability: Mandatory by law, covers damages to others.
● Own-Damage Cover: Covers repair or replacement of your bike, influenced by IDV.
● Add-on Covers: Optional protections like zero depreciation, roadside assistance, or consumables cover add to the premium.
● Discounts: No Claim Bonus (NCB) reduces premiums for claim-free years.
● Adjustments: Voluntary deductibles, anti-theft credits, and bike age/usage can further modify the premium.
Factors affecting bike insurance premiums in Delhi
Bike insurance premiums in Delhi depend on multiple factors that reflect the risk profile of your vehicle and usage:
Tips to reduce bike insurance premiums in Delhi
You can lower your bike insurance premium in Delhi through strategic steps:
Compare quotes online to find competitive rates without compromising coverage.
Maintain a clean claim history to grow and retain your No Claim Bonus (NCB).
Choose only essential add-on covers to avoid unnecessary costs.
Renew policies on time to prevent loss of NCB.
Install approved anti-theft devices to qualify for discounts.
Consider multi-year policies to lock in lower rates.
Practice safe driving and follow traffic rules to maintain a favourable risk profile.
How to renew bike insurance policy online in Delhi
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 1800-2120 (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.
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
Documents required for filing a bike insurance claim in Delhi
Get familiar with the documents needed for speedy claim process
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
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a two-wheeler insurance gives access to cashless network garages which provides convenience and hassle-free car 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
Compare premiums, coverage options, add-ons, and claim settlement ratios online to select a bike insurance policy suitable for your needs.
Comprehensive coverage is ideal for maximum protection, while third-party coverage provides legal liabilities, the choice depends on your bike’s value and usage.
Yes, renewal is mandatory. Policies can be conveniently renewed online through Zurich Kotak portals before expiry.
Zurich Kotak offers flexible two-wheeler plans, you can choose comprehensive or basic third-party coverage depending on your requirements.
Visit the insurer’s website, provide bike and personal details, select coverage, and complete online payment to activate the policy.
Yes, as per the Motor Vehicles Act 1988, all registered two-wheelers must have valid insurance to legally ride on roads.
The best policy balances premium cost, coverage options, claim support, and add-on flexibility according to individual requirements.
Premium depends on bike value, age, engine capacity, coverage type, add-ons, No Claim Bonus, and location of registration.
Choose comprehensive coverage for full protection against damage, theft, and liabilities, while third-party insurance covers only legal liabilities towards third parties.
Riding without valid insurance can attract fines and legal penalties under the Motor Vehicles Act regulations.
Visit the website of Zurich Kotak, enter your bike registration number and mobile number to get a quote, select the required coverage and add-ons, complete the details, pay the premium online, and receive the policy document digitally.
