Product | UIN No. |
|---|---|
Two Wheeler Secure | IRDAN152RP0010V03201516 |
Written By : Zurich Kotak General Insurance - Last updated: April 08th, 2025
Bike Insurance
Limit your speed, not your two-wheeler insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4400+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
98.31%
Claim Settlement Ratio
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2024
What is Bike Insurance?
Bike insurance or two-wheeler insurance is a protective plan that covers financial losses in case your bike gets damaged in an accident, stolen, or affected by natural disasters like floods, earthquakes, or fire. It also includes third-party liability coverage, meaning if your bike accidentally causes harm to someone or damages their property, the insurance will cover the expenses.
Having bike insurance is also legally required in India. Riding without at least a third-party bike insurance policy can lead to penalties, fines, or even legal trouble. With Zurich Kotak General Insurance, you get a reliable two-wheeler insurance policy that provides extensive coverage, so you can ride stress-free.
Key features of two-wheeler insurance by Zurich Kotak General Insurance
Zurich Kotak General Insurance offers multiple features in its bike insurance policy to protect your two-wheeler against various risks. Here’s what makes their policy stand out:
Why you should buy bike insurance?
Getting two-wheeler insurance is not just an option—it’s a necessity. Here’s why you should invest in a reliable bike insurance policy:
Financial Coverage
If your bike gets damaged in an accident, Zurich Kotak General Insurance ensures you don’t have to bear the repair costs alone. Two-wheeler insurance covers damages caused by accidents, theft, fire, and even natural disasters.
Add-ons for Extra Protection
Add-ons like Depreciation Cover, Engine Protect, and Return to Invoice Cover enhance your bike insurance, offering better protection for your bike.
Legal Mandate
It is mandatory to have at least third-party two-wheeler insurance in India. Without it, you may face legal consequences, including fines or bike confiscation.
Personal Accident Cover
Bike insurance provides financial assistance if you get injured while riding. It helps cover medical costs and provides compensation for serious injuries.
No Claim Bonus (NCB) Benefit
Safe riding is rewarded with No Claim Bonus discounts. If you don’t file a claim during your policy period, you get a lower two wheeler insurance premium upon renewal.
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.
Cover against natural and man-made calamities
A comprehensive two-wheeler insurance policy covers natural and man-made calamities that might result in partial loss or total loss of your bike. You can get coverage and financial protection against such disasters under bike insurance.
Cover against third-party damage
Bikes are prone to accidents in comparison to cars. Your bike might cause bodily injury, death or property damage to a third-party. Such incident may drain you financially in the absence of a bike insurance policy. You will get coverage up to the legal liability for claims as per the governed rules and regulations of the Motor Vehicles Act 1988.
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.
Different types of Zurich Kotak two-wheeler insurance policy
When it comes to bike insurance, choosing the right policy is essential for protecting your two-wheeler against unexpected accidents, theft, and damages. Zurich Kotak General Insurance offers different types of two-wheeler insurance policies to suit every
This two-wheeler insurance plan is a comprehensive policy that provides coverage for both own damage (OD) and third-party liability for multiple years. Instead of renewing your policy annually, you can opt for bike insurance coverage for up to 5 years, ensuring continuous protection and savings on premium hikes.
✅ Covers accidents, theft, fire, and natural calamities
✅ Provides third-party liability cover
✅ No yearly renewal hassle
✅ Eligible for No Claim Bonus (NCB) discounts
If you are looking for an affordable two wheeler insurance policy that meets legal requirements, this plan is the perfect choice. It offers only third-party liability coverage, which means if your bike causes damage to another person or their property, the insurance will cover the costs.
✅ Meets legal requirements for riding a bike
✅ Covers injury or damage to third parties
✅ Lower premium than comprehensive bike insurance
X Does not cover own bike damages
This two wheeler insurance policy is best suited for new bike owners. It provides:
✅ 5 years of third-party liability coverage (as required by Indian law)
✅ 1 year of own damage (OD) cover for protection against accidents, theft, and natural disasters
This bike insurance plan ensures complete security for new two-wheelers in a single purchase.
Features of our various Bike insurance policies
See what makes our bike insurance policies stand out!
As its name suggests, comprehensive two-wheeler insurance provides comprehensive coverage to your vehicle encompassing third-party liability, own damages, including theft and damages rising due to natural, man-made calamities and fire.
Third-party injury, death or property damage
Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.
Own-damage
Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.
Theft
You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a compensation would be paid to help you buy a new bike or scooter.
Personal Accident Cover
Comprehensive Two-wheeler insurance also offers personal accident cover of up to 15 lakhs for the owner/driver of the bike. The benefit under the PA cover is paid in case of death or permanent and total disablement of the owner/driver in an accident.
No Claim Bonus Discount
If you do not claim under your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.
Different coverage terms
You can opt for a comprehensive coverage on your bike for different tenures. Zurich Kotak General Insurance offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.
Third-party death or injury & Property Damage
Third-party two-wheeler insurance offers coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicles Act 1988 in an accident in which your bike or scooter was involved.
Online availability
You can buy third-party liability insurance online instantly within seconds and with zero paperwork. The process is pretty simple and quick.
Premiums determined by IRDAI
As third-party liability policy is mandatory under law, the premiums of third-party liability insurance are determined and revised from time to time by the Insurance Regulatory and Development Authority of India (IRDAI). The premiums for third-party liability insurance is based on the cubic capacity of the bike.
Personal Accident Cover
Personal Accident cover is a mandatory cover with third-party two-wheeler insurance. PA cover is available up to Rs.15 lakhs in case of accidental death or disablement suffered by the owner driver.
Own Damage Cover
Own-damage insurance covers the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc.
Optional add-ons
Zurich Kotak General Insurance offers optional add-ons to be brought with own-damage two-wheeler insurance by paying an additional premium. Optional add-ons help you to make your plan comprehensive and customise it as per your needs.
No Claim Bonus
Earn no claim bonus after each claim-free policy year. This bonus allows you to claim a discount in renewal premiums and make the policy more affordable.
Premium discounts
You can enjoy premium discounts on your own-damage insurance premium. You can get a voluntary deductible or install an anti-theft device to avail discounts on own-damage two-wheeler insurance premiums.
Cashless claims
Zurich Kotak General Insurance offers cashless settlement of claims. You can simply take your bike or scooter to the nearest network garage for repair and the insurance company would take care of the repair expenses and bear the costs associated with it.
Third-party injury, death or property damage
Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.
Own-damage
Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.
Theft
You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a compensation would be paid to help you buy a new bike or scooter.
Personal Accident Cover
Comprehensive Two-wheeler insurance also offers personal accident cover of up to 15 lakhs for the owner/driver of the bike. The benefit under the PA cover is paid in case of death or permanent and total disablement of the owner/driver in an accident.
No Claim Bonus Discount
If you do not claim under your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.
Different coverage terms
You can opt for a comprehensive coverage on your bike for different tenures. Zurich Kotak General Insurance offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.
Don't overspend on Bike Insurance
Compare plans with us
| Premium Features | Comprehensive Plan | Own Damage Plan |
Bike damage due to natural disasters | ||
Bike damage due to man-made calamities eg: riots | ||
Bike damage due to fire | ||
Damage to third party vehicle | ||
Damage to third party property | ||
Third party’s death or injury | ||
Theft coverage | ||
Personal accident cover | ||
Zero Depreciation cover add-on inbuilt | ||
Extra coverage with optional add-ons | ||
No claim bonus up to 50% | ||
Cashless repairs | ||
| Get Quote | Get Quote |
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Fire
If your bike is damaged due to fire, explosions, or self-ignition, bike insurance will cover the repair or replacement costs.
Natural disasters
Damages caused by floods, earthquakes, cyclones, storms, and landslides are covered under a comprehensive bike insurance policy.
Third-party damage
If your bike accidentally causes injury or damage to another person’s vehicle or property, your bike insurance will cover the expenses. This is a legal requirement under Indian law.
Personal accident
A bike insurance policy includes personal accident coverage, offering financial support in case of accidental injury, disability, or death of the policyholder.
Theft
If your bike is stolen, bike insurance compensates you based on the Insured Declared Value (IDV) of the vehicle.
Man-made event
Riots, vandalism, strikes, and malicious activities that cause damage to your bike are covered under a comprehensive bike insurance plan.
Wear, tear & general aging of vehicle
Gradual wear and tear, rusting, and aging of bike parts are not covered under a standard bike insurance policy.
Depreciation or consequential losses
Losses caused due to depreciation (declining value of bike parts over time) or indirect damages due to accidents are not covered unless you have an add-on like Depreciation Cover.
Vehicle used otherwise
If the insured bike is used for racing, stunts, commercial activities, or any purpose other than what is mentioned in the policy, bike insurance claims can be denied.
Mechanical/Electrical breakdown
Any issues related to electrical or mechanical failures are not covered unless you have a specific add-on like Engine Protect Cover.
Any contractual liability
If the bike was used for contractual obligations beyond normal personal or business usage, it may not be covered under bike insurance.
Influence of drugs or liquor
If an accident occurs while the rider is under the influence of alcohol or drugs, the bike insurance claim will be rejected.
Vehicle without valid license
If the rider does not have a valid driving license at the time of the accident, the insurance company will not process the claim.
Nuclear risk or war
Any damages due to war, nuclear explosions, or radioactive contamination are excluded from bike insurance policies.
Add-ons for bike insurance
Add-ons make your two-wheeler insurance stronger by providing extra protection beyond the standard policy. Here are some key add-ons you can choose with Zurich Kotak General Insurance:
Depreciation Cover
As bikes get older, their parts lose value due to wear and tear. This cover ensures you get the full cost of replaced bike parts without any depreciation deductions in case of partial loss.
Return to Invoice
If your bike is stolen or completely damaged beyond repair, this cover helps you get the full invoice value of the bike (the price you originally paid for it), instead of just the depreciated value.
Consumables Cover
This add-on covers the cost of consumable items like engine oil, nuts, bolts, brake fluid, and lubricants, which are usually not included in regular bike insurance policies.
Engine Protect
This cover provides financial assistance if your bike’s engine gets damaged due to waterlogging, oil leakage, or mechanical failure.
Why choose Zurich Kotak General Insurance for bike insurance online?
Zurich Kotak General Insurance makes it easy to buy and manage your bike insurance policy online with these benefits:
Time-Saving Bike Policy
Get instant quotes and coverage within minutes. No paperwork or physical visits required.
Money saving bike policy
Get discounts on long-term policies and No Claim Bonus benefits for claim-free years.
Hassle-free bike policy
Simple online renewal and cashless repair options at network garages.
Instant discounts on bike policy
Enjoy discounts for AAI membership, anti-theft devices, and safe driving records.
24x7 Customer care support for bike policy
Quick assistance for claims, policy renewals, and queries anytime.
Trusted and reliable bike policy
Zurich Kotak is a reputed bike insurance provider with a high claim settlement ratio.
Key benefits of buying bike insurance online
Zurich Kotak General Insurance offers different types of bike insurance plans
Quick & hassle-free
Buying a new bike insurance policy or renewing the old two-wheeler insurance; one by doing it online is quick & hassle-free. You would have to answer a few queries about you and your vehicle, and you will be ready to buy new insurance within a few clicks.
Instant quote & issuance of policy
You get an instant bike insurance premium quote by clicking on the get quote feature on the website for your vehicle insurance. Due to the digitized buying and renewing process, policy issuance takes place immediately.
Paperless procedure
Buying a bike insurance policy online helps you avoid the tedious paperwork you go through. You can also download and store the document with a few clicks. The paperless procedure also saves time by eliminating the need to organize documents physically.
Transparent process
The whole buying and renewing of the bike policy online are so transparent that you always have all the details to make an informed buying decision.
Easy and quick renewal
You can renew your bike insurance policy in the comfort of your home. Enter the last policy details and renew your plan instantly within a few clicks.
Checking the credibility of the insurer is easy.
Online research for insurance providers, whether for car or bike coverage, is simpler than offline. Prior to purchasing, explore the company's website for details like Incurred Claim Ratio (car) or Claim Settlement Ratio (bike), claim filing process, and resolution time. Additionally, read reviews from current or former customers for a clearer understanding.
Steps to buy Zurich Kotak bike insurance online
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 get an online quote for Bike Insurance
Getting a bike insurance quote online is simple:
Visit the Zurich Kotak General Insurance website.
Enter bike details (model, year, registration number).
Select coverage type (Comprehensive/Third-party).
Choose add-ons if needed.
Get an instant premium quote.
Make the payment online and receive your policy instantly.
How to choose Bike insurance for a new bike
Know the essential factors to consider when choosing two-wheeler insurance for a new bike
Bought a new bike or scooter and looking for a suitable two-wheeler insurance on it?
Here are some tips to select a suitable two-wheeler insurance for your bike:
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.
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.
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.
Look for cashless garages
Cashless garages allow easy cashless claims. So, check the network of cashless garages for a hassle-free claim experience.
Claim the available discounts
Comprehensive two-wheeler insurance plans allow premium discounts so that your policy becomes affordable. Claim the available discounts to minimize your premium outgo.
Check the Claim settlement ratio of the insurer
The ratio denotes the proportion of claims that the insurance company settled v/s the total claims made in it. Check the CSR of the insurer and choose a company that has a high ratio.
How to buy insurance for a new bike
We'll walk you through buying insurance for your new bike
Click on the "Get a Bike Insurance Quote" button on the Zurich Kotak Bike insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in the required details such as registration number, model, make, etc
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How is Bike Insurance premium calculated
Let's talk about how bike insurance premiums are calculated
How is Bike Insurance premium 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’
To get the quote, you will have to enter the details of your bike and the coverage that you seek. The calculator uses these details to calculate the premium. Here’s how the bike insurance calculator uses your details and how it calculates the premium –
Make, model and variant of the bike
These factors determine the market value of the bike which determines the coverage level.
IDV selected
You can choose your IDV which is the maximum coverage that you can avail of. Based on this coverage the premium is calculated.
Type of policy
These factors determine the market value of the bike which determines the coverage level.
Add-ons selected
The add-ons add to the premium component and increase the total outgo
Registration date
This determines the age of the bike to calculate its depreciated value
Registration location
Premiums are classified based on the city where the bike is registered
Existing No Claim Bonus, if any
If you are renewing your bike insurance policy and have accumulated a no claim bonus by making no claims, you can use the bonus and claim a premium discount
Other available discounts
When choosing the comprehensive bike insurance policy, you can avail of different types of premium discounts. These discounts can be claimed to reduce the premium outgo
Claim history
Claim history helps the bike insurance calculator assess the no claim bonus that you are eligible for and calculate the premium accordingly
Lapse history
If you are renewing a lapsed bike insurance policy, the premium might be higher. The calculator takes into consideration the lapsed coverage when calculating the premium
The policy term
Depending on the term of the policy, the bike insurance calculator would show the premium.
Thus, the premium is calculated using the above factors and you can check the required outgo for the bike insurance policy. You can also make changes to the coverage details, like the add-ons selected or the term of the policy, and the bike insurance calculator would show the updated premium. Once you find the premium, you can proceed to buy the bike insurance policy online in a few simple steps.
Factors affecting two-wheeler insurance premium
The cost of your bike insurance premium depends on several factors. Let’s explore what affects the amount you pay:
Tips to reduce your Bike Insurance costs
Learn some savy tips to avoid actions that raise your bike insurance costs
There are different ways to save bike insurance premium. Have a look at them –
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.
Benefits of renewing existing bike insurance online policy
Renewing your bike insurance online with Zurich Kotak General Insurance offers numerous benefits, including:
Steps to renew Zurich Kotak bike insurance policy online
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
Renewing your two-wheeler insurance with Zurich Kotak General Insurance is quick and easy. Follow these simple steps:
Visit the Official Website – Go to the Zurich Kotak General Insurance website and navigate to the two-wheeler insurance renewal section.
Enter Policy Details – Provide your existing policy number and registered mobile number or vehicle details.
Review & Customize – Check your existing policy details and modify coverage or add-ons as needed.
Calculate Premium – Get an instant quote based on your selected coverage and add-ons.
Make Payment – Complete the renewal process by making a secure online payment.
Receive Policy Instantly – Download the renewed policy document instantly and keep it for future reference.
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:
Step 1: Inform Us • Immediately notify us about the incident by calling our customer care helpline 1800 266 4545 (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.
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.
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.
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.
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.
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.
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
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 ensure a hassle-free claim settlement, keep the following documents ready while filing a bike insurance claim with Zurich Kotak General Insurance:
• Duly Filled Claim Form – Complete the insurance claim form with accurate details.
• Copy of Insurance Policy – Provide a valid two-wheeler insurance policy document.
• Vehicle Registration Certificate (RC) – A copy of the RC book is required for claim processing.
• Driving License – A valid driving license of the insured or rider at the time of the incident.
• First Information Report (FIR), if applicable – Required for theft, third-party, or major accident claims.
• Repair Estimates & Bills – For accidental damages, submit a repair cost estimate and final bills from the garage.
• Photographs of Damages – Clear images of the damaged vehicle to support the claim process.
• Bank Details – For claim settlement through direct transfer, provide bank account details.
How to save on Bike Insurance premium
Getting bike insurance is important, but paying high premiums isn’t necessary! There are several ways to reduce your two-wheeler insurance costs without compromising on coverage.
Choose the Two-Wheeler Type Wisely
The cost of your bike insurance depends on the type of bike you own.
• High-performance bikes have higher bike insurance premiums due to their higher risk of accidents and expensive repairs.
• Commuter bikes and scooters have lower bike insurance costs since they are easier and cheaper to maintain.
If you want affordable bike insurance, opt for a two-wheeler with a balance of power and economy.
Know Your Two-Wheeler’s Correct Value
Before purchasing two-wheeler insurance, it's crucial to know your bike’s Insured Declared Value (IDV).
• A higher IDV means better coverage but a slightly higher premium.
• A lower IDV reduces your two-wheeler insurance premium but may leave you underinsured.
Always select the right IDV to ensure fair compensation in case of bike insurance claims.
Opt for Voluntary Deductible
A voluntary deductible is the amount you agree to pay out-of-pocket before your bike insurance company covers the rest.
• Choosing a higher voluntary deductible lowers your bike insurance premium.
• However, ensure that you pick an amount you can comfortably afford during a claim.
This is a smart way to reduce bike insurance costs without losing out on essential benefits.
Use Your NCB Discount
No Claim Bonus (NCB) is a reward for safe riders who do not file claims.
• If you don’t file a bike insurance claim for a year, you get a discount on your renewal premium.
• The longer you ride claim-free, the bigger the NCB discount (up to 50% after five claim-free years).
Safe riding leads to lower bike insurance renewal costs and greater savings.
Renew Your Policy on Time
If you fail to renew your bike insurance on time:
• You lose your NCB discount.
• Your bike remains uninsured, making it illegal to ride.
• Some insurers may increase your premium if there’s a gap in coverage.
Always set a reminder to renew your bike insurance on time to avoid extra costs.
Install Anti-Theft Devices
Bikes equipped with anti-theft devices are at a lower risk of being stolen, which means lower bike insurance premiums!
• Zurich Kotak General Insurance offer discounts on bike insurance if your bike has security features like:
✅ GPS trackers
✅ Disc locks
✅ Alarms and immobilizers
Ensure your anti-theft device is certified by the Automotive Research Association of India (ARAI) to qualify for the bike insurance discount.
Choose only the required add-ons
You may need to provide proof of your residential address. Accepted documents may include utility bills (electricity, water, gas), bank statements or a rental agreement.
Look for discounts
Comprehensive bike insurance plans offer discounts like installing safety devices, AAI membership, and choosing a voluntary deductible to reduce your premium.
Buy a long-term policy
Choose Zurich Kotak's long-term bike insurance for hassle-free and cost-effective coverage. Opting for these plans eliminates annual renewals and helps you save on bike insurance premiums.
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 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.
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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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
Your policy does not cover the cost of following damages
Normal wear and tear of the two-wheeler
Ageing of the vehicle
Depreciation of the vehicle
Mechanical or electric breakdown of the vehicle
Loss or damage due to reasons other than mentioned in the policy documents
Using vehicles for purposes other than stated in the policy documents
Wear and tear of the consumables unless the vehicle is damaged at the same time
Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.
It is simple and easy to renew two-wheeler insurance online; just follow the below steps:
Select the Long Term Two-wheeler Secure (Comprehensive policy) / Long Term Two-wheeler Secure (Liability Only Policy)
Enter your Policy Number, Registration Number, Mobile Number, and Chassis Number
Click on “Submit”
Visit the Bike insurance renewal page, select your insurance product. You will be redirected to online general insurance renewal page where you would need to fill the following details:
Policy number
Registration number
Mobile number
Chassis number
After entering the details click on submit and pay the required amount
The bike insurance premium calculator helps you determine the premium amount for bike insurance offered by Zurich Kotak General Insurance. To use the online tool, you need to provide details of your bike such as make - model, registration date, and registration place. Once you add this information, you will be able to get the premium amount.
An IDV calculator in bike insurance helps to find out the current market value when you purchase a comprehensive plan. Using the online IDV calculator, you will get to know the approximate premium amount, as well as the sum assured offered by Zurich Kotak General Insurance in case of total loss.
To register for reimbursement, claim of at Zurich Kotak General Insurance, simply follow the below steps:
Get in touch with us at 18002664545 and provide the details of the incident and policy.
Submit all the bills along with the policy details.
Once approved, you will receive reimbursement within 7 days.
Your payout depends on:
· Policy type (Comprehensive/Third-Party)
· Extent of damage
· Deductibles and depreciation
· If you have Depreciation Cover, you get a higher claim amount
No, you cannot raise a claim if the policy was expired. Always renew your two-wheeler insurance before the due date to stay protected.
To make a claim for the theft of a two wheeler
File an FIR (first-hand information) to the nearest police station and keep a copy of the FIR.
Inform your insurer
Inform the RTO as it prevents unauthorized change of ownership of the bike
Produce all the necessary documents:
Copy of original FIR
Copy of driving license
Copy of vehicle’s registration certificate
Duly signed claim settlement form
RTO transfer papers
Letter to the RTO
After the policy gives the No traceable report, you can get reimbursement on your Two wheeler insurance policy.