Motor Insurance Two Wheeler InsuranceTwo Wheeler Insurance Delhi Ncr

Bike Insurance in Delhi NCR

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6500+

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Jet-Speed

Claims

Upto 50%

No Claim Bonus

24/7

Around The Clock Assistance

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

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

Damage Protection

Covers expenses if your bike is damaged due to accidents, fire, theft, or natural and man-made calamities such as floods, earthquakes, or riots.

Third-Party Liability Cover

Safeguards you against legal and financial liabilities if your bike causes injury, death, or property damage to others.

Personal Accident and Passenger Cover

Offers financial compensation in case of permanent disability or death of the owner-rider, with optional coverage for pillion riders.

No Claim Bonus (NCB)

Provides attractive premium discounts for every claim-free policy year.

Add-On Covers

Enhance protection with options like zero depreciation, medical cover, and roadside assistance.

Damage Protection

Covers expenses if your bike is damaged due to accidents, fire, theft, or natural and man-made calamities such as floods, earthquakes, or riots.

Third-Party Liability Cover

Safeguards you against legal and financial liabilities if your bike causes injury, death, or property damage to others.

Personal Accident and Passenger Cover

Offers financial compensation in case of permanent disability or death of the owner-rider, with optional coverage for pillion riders.

No Claim Bonus (NCB)

Provides attractive premium discounts for every claim-free policy year.

Add-On Covers

Enhance protection with options like zero depreciation, medical cover, and roadside assistance.

Two-Wheeler Insurance Plans in Delhi

Comprehensive bike insurance

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.

Third-party bike insurance

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.

Own damage bike insurance

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.

What's covered?

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

What is not covered?

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.

Add–ons available with bike Insurance policy by Zurich Kotak General Insurance

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.

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.

Factors affecting bike insurance premiums in Delhi

Insured Declared Value (IDV)

A higher IDV, representing your bike’s current market value, usually leads to higher premiums.

Bike Age, Model & Engine Capacity

Newer or high-capacity bikes attract higher premiums due to repair/replacement costs.

Claim History & No Claim Bonus (NCB)

Maintaining a claim-free record can lower premiums through accumulated NCB.

Coverage Type

Comprehensive plans cost more than basic third-party coverage.

Add-on Options

Additional covers, such as zero depreciation or roadside assistance, increase premiums.

Security Features

Anti-theft devices can reduce premiums.

Location of Registration

Premiums may vary based on the area’s risk assessment.

Tips to reduce bike insurance premiums in Delhi

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 Buy Two-Wheeler Insurance in Delhi

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

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.