Motor Insurance Two Wheeler InsuranceScooter Insurance

Scooter & Scooty Insurance

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We take your safety seriously

6500+

Cashless Garages

Jet-Speed

Claims

Upto 50%

No Claim Bonus

24/7

Around The Clock Assistance

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

What is Scooter Insurance?

A scooter may be easy to ride, but it is also one of the most exposed vehicles on the road. From sudden brake stops and close traffic to scratches, falls, and theft, even minor incidents can quickly turn into unexpected expenses. Scooter insurance exists to address these everyday realities by covering the costs of damage, accidents, and third-party claims, while also meeting legal requirements. Whether you choose third-party insurance or comprehensive insurance for scooty, the right policy helps you avoid financial disruption when things do not go as planned. Zurich Kotak backs this with straightforward policy communication and a 5,700+ cashless garage network across India, ensuring repairs are handled more smoothly without the pressure of immediate out-of-pocket payments.

Scooter insurance plans in India are primarily of two types

Third party scooty insurance plans
A third-party insurance for scooty is the basic cover which is mandated under the Motor Vehicles Act, 1988. The plan undertakes your financial liability if your scooter causes financial loss to any third party.
Comprehensive scooter insurance plans
Comprehensive plans have a wider scope of coverage. They cover the mandatory third-party liability and also extend coverage for the damages that your scooter might suffer.

Key features of two-wheeler insurance policy

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

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

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

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

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

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

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 Scooter insurance policies

Long Term Two-Wheeler Secure (Comprehensive)

This plan covers both own-damage and third-party liability for multiple years. It protects your scooter against accidents, theft, fire and natural calamities while reducing the need for frequent scooty insurance renewal.

Long Term Two-Wheeler Secure – Liability Only

A basic scooty third-party insurance option that meets legal requirements by covering injury or property damage caused to others. It does not cover damage to your own scooter.

Long Term Two-Wheeler Secure – Bundled Policy

Ideal for new scooters, this includes five years of third-party cover and one year of own-damage protection, offering balanced coverage in a single purchase when you buy scooter insurance online.

Long Term Liability Only – 5 Years

Provides extended third-party liability cover, as mandated by law, for new scooters. It ensures compliance but excludes own-damage protection.

Two-Wheeler Protect – OD Only

Suitable if you already have third-party cover, this policy focuses solely on protecting your scooter against physical damage caused by accidents, theft, or natural disasters.

What's covered?

Fire

Damage due to fire, explosion or self-ignition

Natural disasters

Loss or damage caused by natural disasters such as floods, earthquakes, cyclones, storms and landslides

Third-party damages

Third-party property damage or bodily injury, as required under Indian law

Personal accident

Personal accident cover for the rider in case of injury, disability or death

Theft

Theft of the scooter with compensation based on the Insured Declared Value (IDV)

Man-made events

Damage arising from man-made events such as riots, vandalism, strikes or malicious acts

What is not covered?

Wear, tear & general aging of vehicle

Normal wear and tear, ageing, corrosion and rusting of parts

Depreciation or consequential losses

Depreciation and consequential losses, unless covered through an add-on

Vehicle used otherwise

Use of the scooter for racing, stunts or unauthorised commercial purposes

Mechanical/Electrical breakdown

Mechanical or electrical breakdowns without specific add-on cover

Any contractual liability

Contractual liabilities beyond stated policy usage

Influence of drugs or liquor

Damage caused while riding under the influence of alcohol or drugs

Scooter insurance add-ons

Depreciation Cover

As scooter parts lose value over time due to wear and use, standard depreciation policies apply during claim settlement. This add-on removes depreciation deductions, ensuring you receive the full cost of replaced parts in case of partial damage.

Return to Invoice

Suppose your scooter is stolen or declared a total loss. In that case, this cover provides compensation based on the original invoice value rather than the depreciated amount, helping protect your financial investment more effectively.

Consumables Cover

This add-on covers the cost of consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are typically excluded from regular scooty insurance policies.

Engine Protect

Engine Protect provides coverage for damage caused by water ingression, oil leakage or mechanical failure, helping safeguard one of the most critical components of your scooter.

Benefits of Scooter insurance

Instant policy purchase

You can buy scooter insurance online quickly by entering basic vehicle details, making the process smooth and time-efficient.

Instant quote and policy issuance

A clear scooty insurance price is displayed upfront, allowing you to compare options and complete your purchase without delays.

Paperless convenience

Scooty insurance online eliminates the need for physical documentation, enabling easy access, storage, and retrieval of your policy whenever required.

Transparent process

All coverage details, inclusions and terms are clearly visible, helping you make informed decisions when selecting scooty third-party insurance or comprehensive cover.

Quick and easy renewal

Scooty insurance renewal can be completed in just a few clicks, ensuring uninterrupted coverage without the hassle of paperwork.

Better insurer evaluation

Online platforms allow you to review claim settlement processes and customer feedback before choosing or renewing your scooty insurance policy.

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 Scooter insurance premium

IDV (Insured Declared Value)

A higher declared market value for your scooter increases the premium.

Scooter Model and Engine Capacity

Higher CC and premium models attract higher insurance costs.

Age of the Scooter

Premiums reduce as the scooter ages due to depreciation.

Add-ons Chosen

Extra covers like Zero Depreciation or Engine Protect increase the total premium.

Location

Scooters registered in metro or high-risk areas have higher premiums.

No Claim Bonus (NCB)

Claim-free years reduce premiums during scooty insurance renewal.

Other Factors

Voluntary deductibles lower premiums, while rider history and safety devices can influence final pricing.

Tips for choosing the right scooty insurance policy

Opt for a comprehensive plan because it offers the widest scope of coverage.

Choose suitable add-ons to enhance the coverage further and customise your policy.

Look for a suitable Insured Declared Value so that you can get a higher claim payout in the case of total loss or theft.

Look for premium discounts to make your policy more affordable.

Opt for long-term scooter insurance plans so that you can enjoy continuous coverage without the hassle of annual renewals. Moreover, long-term plans also allow premium discounts.

Steps to buy Scooter insurance online from Zurich Kotak

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 Scooter 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

Head over to our learning centre

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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 about Scooty Insurance

Questions you may have about Zurich Kotak General Insurance

Yes, under the provisions of the Motor Vehicles Act of 1988, every scooter in India should be insured under a valid third-party liability insurance policy. Besides being mandatory, the coverage also offers financial security in case of losses due to your scooter.

No, a comprehensive scooter insurance plan is not mandatory in India. The mandatory coverage is the third-party liability insurance policy. A comprehensive plan is recommended because it offers a wider scope of coverage. A comprehensive policy covers the third party's legal liability and also covers the theft or damage to your scooter.

The cost of a scooter insurance policy depends on multiple factors. These include the type of policy that you choose, the make and model of your scooter, registration date and location, add-ons selected, no claim bonus available, etc. These factors are taken into consideration, and then the insurance cost is determined.

A scooty insurance policy covers all scooters and scootys that you buy for personal use.

The right insurance company will be the one which fulfils the below-mentioned parameters –

a. It offers a comprehensive scope of coverage.

b. It offers a range of add-ons to choose from.

c. There are attractive premium discounts.

d. The premium rates are low,

e. The company has a wide network of cashless garages

f. The claim process is simple, quick and convenient

g. Zurich Kotak General Insurance fulfils all these criteria and can prove to be the right insurance company for your scooty.

If you buy a new scooter or scooty, you can buy third-party coverage for 5 years.

The right choice depends on how you use your vehicle. Scooty third party insurance is legally mandatory and covers injury or damage caused to others. A comprehensive policy offers broader protection, including damage to your scooter from accidents, theft, fire, and natural disasters. If you use your scooty regularly or park it in high-traffic areas, comprehensive insurance for scooty with selected add-ons offers better long-term value.

The scooty insurance price depends on factors such as vehicle age, model, engine capacity, location, add-ons chosen and past claim history. No Claim Bonus earned on claim-free years helps reduce the premium during scooty insurance renewal.

Most scooty insurance policies are valid for one year and require annual renewal. Long-term options of 3 to 5 years are also available. Timely scooty insurance renewal ensures continuous protection and stable pricing.

No. Claims are rejected if the rider does not hold a valid driving licence at the time of the incident. This applies to all forms of scooty insurance online and offline.

There is no fixed limit, but frequent claims reduce your No Claim Bonus and increase scooty insurance renewal costs. It is advisable to claim only for major damages.

No. Once a claim for a specific incident is settled, the same damage cannot be claimed again. Only new incidents are eligible for separate claims.

You can verify your scooty insurance online through the insurer’s website, the VAHAN portal or the mParivahan app by entering your vehicle number. Policy documents can also be accessed after you buy scooter insurance online.

No. Driving without a valid RC is illegal and may affect your ability to claim under scooty insurance. Always carry a physical or digital RC via DigiLocker or mParivahan.