Motor insuranceTwo wheeler insurance

Bike Insurance

Limit your speed, not your two-wheeler insurance

Bike Insurance
Renew policy
5700+ Cashless Garages

5700+ Cashless Garages

Jet-Speed Claims

Jet-Speed Claims

Upto 50% No Claim Bonus

Upto 50% No Claim Bonus

24/7 Around The Clock Assistance

24/7 Around The Clock Assistance

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

Why should you buy two wheeler insurance?

Financial Protection Against Damage & Loss

Financial Protection Against Damage & Loss

Financial Protection Against Damage & Loss

Two-wheeler insurance covers repair or replacement costs if your bike is damaged due to accidents, theft, fire, natural calamities or man-made events. This prevents you from bearing heavy out-of-pocket expenses during unforeseen situations.

Enhanced Coverage with Add-Ons

Enhanced Coverage with Add-Ons

Enhanced Coverage with Add-Ons

Optional add-ons such as Depreciation Cover, Engine Protect and Return to Invoice allow you to customise your policy and strengthen overall protection based on your riding needs.

Mandatory Legal Requirement

Mandatory Legal Requirement

Mandatory Legal Requirement

As per Indian law, every bike must have at least third-party insurance. Riding without valid insurance can result in penalties, fines or even vehicle seizure under the Motor Vehicles Act, 1988.

Personal Accident Cover

Personal Accident Cover

Personal Accident Cover

Two-wheeler insurance includes personal accident cover that provides financial support in case of serious injury, permanent disability or death of the rider during an accident.

No Claim Bonus (NCB) Benefits

No Claim Bonus (NCB) Benefits

No Claim Bonus (NCB) Benefits

For every claim-free policy year, you earn a No Claim Bonus that reduces your renewal premium. Safe riding over time translates into meaningful savings.

Coverage for All Two-Wheelers

Coverage for All Two-Wheelers

Coverage for All Two-Wheelers

Whether you own a scooter, sports bike, or a commuter bike, Zurich Kotak General Insurance offers bike insurance policies that suit all types of two-wheelers.

Protection Against Natural & Man-Made Disasters

Protection Against Natural & Man-Made Disasters

Protection Against Natural & Man-Made Disasters

Comprehensive two-wheeler insurance offers coverage against floods, earthquakes, riots, vandalism and other events that may cause partial or total damage to your bike.

Coverage for Third-Party Liabilities

Coverage for Third-Party Liabilities

Coverage for Third-Party Liabilities

If your bike causes injury, death or property damage to a third party, the insurance policy covers the legal and financial liabilities arising from such incidents, shielding you from major financial consequences.

Cover for thefts of your bike

Cover for thefts of your bike

Cover for thefts of your bike

A bike insurance policy covers you if your bike has been stolen or lost and  gives you a financial compensation for the same.

Financial Protection Against Damage & Loss

Financial Protection Against Damage & Loss

Financial Protection Against Damage & Loss

Two-wheeler insurance covers repair or replacement costs if your bike is damaged due to accidents, theft, fire, natural calamities or man-made events. This prevents you from bearing heavy out-of-pocket expenses during unforeseen situations.

Enhanced Coverage with Add-Ons

Enhanced Coverage with Add-Ons

Enhanced Coverage with Add-Ons

Optional add-ons such as Depreciation Cover, Engine Protect and Return to Invoice allow you to customise your policy and strengthen overall protection based on your riding needs.

Mandatory Legal Requirement

Mandatory Legal Requirement

Mandatory Legal Requirement

As per Indian law, every bike must have at least third-party insurance. Riding without valid insurance can result in penalties, fines or even vehicle seizure under the Motor Vehicles Act, 1988.

Personal Accident Cover

Personal Accident Cover

Personal Accident Cover

Two-wheeler insurance includes personal accident cover that provides financial support in case of serious injury, permanent disability or death of the rider during an accident.

No Claim Bonus (NCB) Benefits

No Claim Bonus (NCB) Benefits

No Claim Bonus (NCB) Benefits

For every claim-free policy year, you earn a No Claim Bonus that reduces your renewal premium. Safe riding over time translates into meaningful savings.

Coverage for All Two-Wheelers

Coverage for All Two-Wheelers

Coverage for All Two-Wheelers

Whether you own a scooter, sports bike, or a commuter bike, Zurich Kotak General Insurance offers bike insurance policies that suit all types of two-wheelers.

Protection Against Natural & Man-Made Disasters

Protection Against Natural & Man-Made Disasters

Protection Against Natural & Man-Made Disasters

Comprehensive two-wheeler insurance offers coverage against floods, earthquakes, riots, vandalism and other events that may cause partial or total damage to your bike.

Coverage for Third-Party Liabilities

Coverage for Third-Party Liabilities

Coverage for Third-Party Liabilities

If your bike causes injury, death or property damage to a third party, the insurance policy covers the legal and financial liabilities arising from such incidents, shielding you from major financial consequences.

Cover for thefts of your bike

Cover for thefts of your bike

Cover for thefts of your bike

A bike insurance policy covers you if your bike has been stolen or lost and  gives you a financial compensation for the same.

Two-Wheeler Insurance Policy Wordings

Download

Key features of two-wheeler insurance policy

Cashless servicing

Cashless servicing

Cashless servicing

Get your bike repaired at authorised network garages without paying upfront. The insurer settles the approved repair bill directly with the garage, ensuring a smoother and more convenient repair experience.
No Claim Bonus (NCB) Discounts & Entitlements

No Claim Bonus (NCB) Discounts & Entitlements

No Claim Bonus (NCB) Discounts & Entitlements

For every claim-free policy year, you earn an NCB that reduces your two-wheeler insurance renewal premium. The longer you ride without making a claim, the higher the discount you receive.
Premium discounts

Premium discounts

Premium discounts

Enjoy lower premiums if you maintain a good riding record, install approved safety devices, or opt for long-term two-wheeler insurance policies.
AAI members discount

AAI members discount

AAI members discount

Members of the Automobile Association of India (AAI) can benefit from additional discounts on their two-wheeler insurance policy by presenting valid membership proof.
Cashless servicing

Cashless servicing

Cashless servicing

Get your bike repaired at authorised network garages without paying upfront. The insurer settles the approved repair bill directly with the garage, ensuring a smoother and more convenient repair experience.
No Claim Bonus (NCB) Discounts & Entitlements

No Claim Bonus (NCB) Discounts & Entitlements

No Claim Bonus (NCB) Discounts & Entitlements

For every claim-free policy year, you earn an NCB that reduces your two-wheeler insurance renewal premium. The longer you ride without making a claim, the higher the discount you receive.
Premium discounts

Premium discounts

Premium discounts

Enjoy lower premiums if you maintain a good riding record, install approved safety devices, or opt for long-term two-wheeler insurance policies.
AAI members discount

AAI members discount

AAI members discount

Members of the Automobile Association of India (AAI) can benefit from additional discounts on their two-wheeler insurance policy by presenting valid membership proof.

Types of two wheeler insurance plans

Long Term Two-Wheeler Secure (Comprehensive)

This is a comprehensive two-wheeler insurance plan that covers both own-damage and third-party liability for multiple years. Instead of renewing your policy every year, you can opt for coverage of up to five years, ensuring uninterrupted protection and stability in premiums. It protects your bike against accidents, theft, fire, natural calamities and man-made events while also remaining eligible for No Claim Bonus (NCB) benefits.

Long Term Two-Wheeler Secure – Liability Only

This plan focuses solely on third-party liability coverage and is suitable for riders looking to meet legal obligations at a lower premium. It covers injury, death, or property damage caused to a third party by your bike. However, it does not cover damage to your own vehicle.

Long Term Two-Wheeler Secure – Bundled Policy

Designed mainly for new two-wheelers, this bundled policy offers five years of third-party liability cover along with one year of own-damage protection. It provides balanced coverage in a single purchase and ensures compliance with legal requirements while protecting your bike against common risks such as accidents, theft and natural disasters.

Long Term Two-Wheeler Secure – Liability Only (5 Years)

As per government regulations, all new bikes must have at least five years of third-party bike insurance. This plan fulfils that requirement by providing long-term third-party protection without annual renewal. It covers legal liabilities but does not include own-damage protection. For broader coverage, it can be paired with an OD-only policy.

Two-Wheeler Protect – OD Only

This plan is ideal for riders who already have third-party insurance but want to safeguard their own bike against physical damage. It covers losses caused by accidents, theft, fire and natural calamities but does not include third-party liability. It can be purchased as a standalone own damage bike insurance policy to strengthen overall protection.

Add-ons for bike insurance

Depreciation Cover

Depreciation Cover

As your bike ages, the value of its parts reduces due to wear and tear. Depreciation Cover ensures that, in the event of partial damage, you receive the full cost of replaced parts without depreciation deductions, helping minimise out-of-pocket expenses during repairs.

Return to Invoice

Return to Invoice

In the event of a total loss or theft, this add-on allows you to receive the original invoice value of your bike rather than its depreciated value. This helps recover the actual purchase price and significantly reduces financial loss.

Consumables Cover

Consumables Cover

This add-on covers the cost of essential consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are usually excluded from standard bike insurance policies. It helps prevent small but recurring repair costs from adding up.

Engine Protect

Engine Protect

Engine Protect offers financial support if your bike’s engine is damaged due to water ingress, oil leakage or mechanical failure. Since engine repairs are often expensive, this add-on provides critical protection for one of the most vital components of your bike.

Why choose Zurich Kotak for bike insurance ?

1
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.

2
Cost-Efficient Coverage

Policyholders benefit from competitive pricing, long-term policy savings and No Claim Bonus advantages for maintaining a claim-free record.

3
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.

4
Instant Discount Benefits

Additional savings are available for AAI members, vehicles fitted with anti-theft devices and riders with a safe driving history.

5
24x7 Customer Support

Round-the-clock assistance is available for claims, renewals and general queries, ensuring timely support whenever required.

6
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.

How to buy bike insurance online

1

Click on the " Get a Bike Insurance Quote " button on the Zurich Kotak Bike insurance Page

2

Fill in the required details such as registration number, model, make, etc.

3

Fill in the required details such as registration number, model, make, etc

Documents required to buy Bike insurance

  • Identity proof
  • Address proof
  • PAN card
  • Vehicle registration certificate
  • Previous insurance details
  • Driving license

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.
1

Visit the Website: Go to the official Zurich Kotak website: https://www.zurichkotak.com/

2

Select ‘Download Policy Copy’: Click on the ‘Download Policy Copy’ option available under the Login section at the top right corner of the homepage.

3

Enter Your Details: Provide your policy number along with your registered mobile number or email ID, then click on ‘Get OTP’.

4

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.

5

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 choose Bike insurance for a new bike

1.

Select a suitable Insured Declared Value

Insured Declared Value of your bike or scooter is the maximum amount of cover that is paid or covered by the insurance company in the event of total loss or theft. Hence, its recommended to select a higher IDV at the time of buying the policy to get higher claim pay-outs.

2.

Opt for a comprehensive policy

A comprehensive plan offers a wider scope of coverage and pays for the expensive repair costs and theft too. So, while a third-party policy is mandatory, you should opt for a comprehensive plan as the new two-wheeler insurance for maximum protection.

3.

Add-ons

Consider buying add-ons to enhance the coverage of your new bike insurance policy to extend the scope of your bike insurance policy so that you don’t have to worry about out-of-pocket expenses.

4.

Look for cashless garages

Cashless garages allow easy cashless claims. So, check the network of cashless garages for a hassle-free claim experience.

How is Bike Insurance premium calculated

Let's talk about how bike insurance premiums are calculated

When buying a bike insurance policy, most of you wonder how much premium would you have to pay for the coverage. This is where the two-wheeler insurance premium calculator comes into the picture.

A bike insurance calculator is an online tool that helps you ascertain the exact premium of your two-wheeler insurance policy. The calculator takes into account the factors affecting your two wheeler insurance premium and then works out the premium that you have to pay.
Zurich Kotak general insurance offers an instant and simple bike insurance calculator using which you can calculate your premium. Here’s how to use the calculator –

Visit https://www.zurichkotak.com/ and choose ‘Bike Insurance’
The bike insurance page will open wherein you can click on ‘Get a Quick Quote’

Cut the wait time

Intimate Claim

Intimate Claim

Quick Verification

Quick Verification

Instant Settlement

Instant Settlement

Know more

Tips to reduce your 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.

How to renew bike insurance online?

On-time renewals are beneficial and Zurich Kotak General Insurance allows you the easy process of renewing your bike insurance policy online.
1

Click on  Zurich Kotak car insurance renewal  and choose the bike insurance policy that you want to renew

2

Then, fill in your two-wheeler insurance policy number, registration number, chassis number and your mobile number. Now, click on ‘Submit’

3

The insurance company would then validate your two-wheeler policy number and show the details of your policy on the screen after verification.

4

Check the details of your policy, choose add-ons if you want to buy any and review the premium of your plan.

5

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.

  • Identity proof
  • Address proof
  • Vehicle registration certificate
  • Previous insurance details
  • Driving license
  • PAN card

How to file Zurich Kotak bike insurance claim online

Filing a bike insurance claim with Zurich Kotak General Insurance is a simple and hassle-free process. Follow these steps to ensure a smooth claim settlement:

1
Step 1: Inform Us • Immediately notify us about the incident by calling our customer care helpline 1800-2120 (8 a.m. – 8 p.m.) or registering the claim online. • Provide basic details like policy number, vehicle details, and a brief description of the incident.
2
Step 2: File an FIR • If the bike is stolen or involves third-party damage or a major accident, file an FIR at the nearest police station. • Obtain a copy of the FIR as it is mandatory for theft and third-party claims.
3
Step 3: Submit Required Documents • Fill out the claim form and submit necessary documents, including the insurance policy, RC, driving license, repair estimates, and photographs of the damage.
4
Step 4: Vehicle Inspection & Damage Assessment • For accident claims, we may assign a surveyor to assess the damages. • The surveyor will inspect the bike at the accident location or the garage before repair approval.
5
Step 5: Repair & Claim Settlement • Cashless Claims: If you opt for a cashless claim, take your bike to an authorized network garage. We will directly settle the repair cost with the garage. • Reimbursement Claims: If you get repairs done at a non-network garage, pay the repair bill first and submit the invoices for reimbursement.
6
Step 6: Claim Approval & Settlement • After verification of documents and surveyor assessment, we will process and settle the claim based on policy coverage. • In case of total loss or theft, we will compensate as per the Insured Declared Value (IDV) after deducting applicable charges.

Cashless garages near you

Buying a bike insurance gives access to cashless network garages which provides convenience and hassle-free bike repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

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Bike Insurance - Frequently Asked Questions

To check your bike insurance status, visit the Zurich Kotak General Insurance website and log in to your account. You can also check via the Insurance Information Bureau (IIB) website by entering your vehicle registration number. Alternatively, contact our customer support for assistance.

You can find your bike insurance policy number in the policy document sent to your registered email or mobile number. If you’ve misplaced it, log in to your Zurich Kotak General Insurance account or call customer support to retrieve it.

NCB (No Claim Bonus ) is a discount offered on your bike insurance renewal premium if you haven’t made any claims in the previous policy year. It starts from 20% and can go up to 50% after five claim-free years.

Visit our website and log in to your account using your policy details. You can also call customer support or check the details on the mParivahan app using your vehicle registration number.

  • To get bike insurance for your new scooter, click on the link

  • Provide the Registration number

  • Enter Details of previous policy

  • Enter vehicle details such as Model & Variant, Registered place, and registered date

  • Provide your email address and Mobile no

  • And click to continue.

Yes, you can purchase multiple two-wheeler insurance add-ons based on your requirements. However, each add-on increases your premium cost, so choose wisely based on your needs.

The validity of your two-wheeler insurance policy depends on the tenure you choose. You can opt for a 1-year policy or a long-term policy (3 to 5 years) for better savings and convenience.

A two wheeler insurance policy can be of 3 types:

  • Third-party Liability Two-Wheeler Insurance: This two-wheeler insurance covers all third-party liability for damages to vehicle, property, or person.

  • Standalone Two-Wheeler Insurance: This type of insurance covers any damage to your own bike or scooter. It covers repairs on damages caused due to accidents, natural calamities, and man-made calamities. It also provides coverage in case of a total loss due to theft or any unforeseen incident.

  • Comprehensive Two-Wheeler Insurance: This type of two-wheeler insurance includes Third-Party Liability Insurance, Personal accident cover and Own damage insurance.

If your policy has expired, visit Zurich Kotak General Insurance website and enter your details to renew it online. If the policy has lapsed for a long time, an inspection of your bike may be required before renewal.

IDV (Insured Declared Value) is the current market value of your bike, which determines the compensation in case of total loss or theft. The IDV calculator helps you find the right IDV based on your bike’s age and model.

The claim amount depends on the extent of damage, policy coverage, and deductibles. If you have Depreciation Cover, you receive a higher payout since depreciation is not deducted.

No, if your two-wheeler insurance policy has expired, you cannot raise a claim. You must renew your policy before an accident to remain covered.

If your bike is stolen, file an FIR at the nearest police station and submit the report to Zurich Kotak General Insurance. After verification, you will receive compensation based on your bike’s IDV.

Yes, if you already have an active third-party two-wheeler insurance policy, you can buy an Own Damage (OD) policy separately to cover your scooter against accidents, theft, and natural calamities.

Zurich Kotak General Insurance offers secured gateways to pay for bike insurance online. Simply visit the official website of the company, select the two-wheeler insurance policy, fill out the application form and pay the premium. You can pay the premiums of the policy online through various modes of online payment offered on the payment page.

To get the lowest bike insurance premium:

·       Compare plans online

·       Use your No Claim Bonus (NCB)

·       Choose the right IDV

·       Opt for voluntary deductibles

·       Avoid unnecessary add-ons