Product | UIN No. |
|---|---|
Long Term Two Wheeler Secure | IRDAN152RP0008V04201617 |
Long Term Two Wheeler Secure – Bundled | IRDAN152RP0011V04201819 |
Comprehensive Bike Insurance
A comprehensive Bike Insurance to Protect your Bike
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4200+
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 comprehensive bike insurance?
A comprehensive bike insurance policy provides a wide scope of coverage. It covers your bike against third-party claims as well as the damages that it might face. What’s more, you get covered even when your bike is stolen. One policy, inclusive coverage, that’s what a comprehensive bike insurance policy provides.
Insuring your bike before driving it on Indian roads is a mandate. The Motor Vehicles Act of 1988 requires every bike to be insured under a valid third-party insurance policy. However, the third-party policy has restricted coverage which is why a comprehensive bike insurance policy comes in handy.
As the name suggests, a comprehensive bike insurance policy is an insurance policy that covers financial emergencies that you might face due to your bike.
You pay a premium to the insurance company, and the company undertakes to compensate you for the financial loss that you might face in emergencies wherein the insured bike is involved. The policy covers third-party legal liabilities that you might face if you cause a financial loss to another individual. Moreover, if your bike is damaged due to natural or man-made causes, the comprehensive two-wheeler insurance plans cover the cost of repairs too. The financial loss suffered in the case of theft of the bike is also covered under a comprehensive bike insurance policy.
Besides covering your bike against possible contingencies, a comprehensive bike insurance plan also allows optional coverage benefits called add-on covers. These add-ons enhance the scope of coverage as per your needs at an additional payment of premium.
Why Do You Need a Comprehensive Bike Insurance Policy?
Bike insurance is your safety net on the roads. Explore more why you need it
Mandatory
Third-party liability insurance is mandatory under The Motor Vehicles Act, of 1988 and every owner of the bike must buy the mandatory third-party liability policy or else they would be subjected to legal actions. Hence, you need a bike insurance policy to fulfil the legal requirement and to avoid penalties.
Cover against natural and man-made calamities
A comprehensive two-wheeler insurance policy covers natural and manmade calamities that might result in significant repair costs 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 injure a third party or damage their property thereby raising legal third-party liabilities. Such third-party liability may drain you financially in the absence of a bike insurance policy. You will get 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 Vehicle Act.
Cover for thefts of your bike
A bike insurance policy covers you if your bike has been stolen or lost and gives a lump sum financial compensation for the same. This can help you to buy a new bike for your conveyance needs. Know more about the surprising things covered by motor insurance.
Features of our various Comprehensive 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 liabilities, own damages, 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-damages
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 lump sum benefit 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 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 offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.
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-damages
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 lump sum benefit 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 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 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
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| 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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Comprehensive Bike Insurance policies
Coverages
Coverages
Third-party legal liability
If your bike causes physical injury or death of another individual, you will suffer a financial liability for such third-party loss. Moreover, if your bike damages third-party property, you will incur financial liability for the same. Comprehensive bike insurance covers these third-party financial liabilities and compensates the third parties for the financial loss suffered on your behalf.
Natural disasters
If your bike is damaged due to natural calamities, the cost of repairing the damages will be covered. The calamities that are covered include earthquakes, lightning, storm, flood, hurricane, cyclones, road and landslides, subsidence, inundation, etc.
Man-made calamities
If your bike is damaged due to man-made calamities, the repair costs will be covered. Man-made calamities include fire, explosion, implosion, strike, riot, malicious acts, etc.
Theft
If your bike is stolen, you will be compensated for the financial loss that you suffer.
Personal accident cover
A comprehensive bike insurance policy 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.
Fire
Don’t let fire damage to your bike ruin your life. Stay protected against any loss and get compensated for damages caused by fire.
Wear, tear & general aging of vehicle
Does not cover any damages due to normal wear and tear and general aging of the vehicle
Depreciation or consequential losses
Coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).
Vehicle used otherwise
Does not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.
Mechanical/Electrical breakdown
Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.
Any contractual liability
You are not covered under our insurance policy for any contractual liability if you are found to be responsible for the damages.
Influence of drugs or liquor
Does not cover damage to/by a person who is driving under the influence of drugs or alcohol.
Vehicle without valid license
Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.
Nuclear risk or war
Does not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service.
Why buy comprehensive bike insurance?
Comprehensive bike insurance proves useful and is recommended for your bike. Here are the reasons why you should buy comprehensive bike insurance –
1. It offers a wider scope of coverage and pays you for the repair costs of your bike.
2. If your bike is stolen, you are financially compensated for the loss that you have suffered. This helps you pay off a bike loan or buy a new bike to replace the stolen one.
3. The add-ons offered under comprehensive bike insurance plans help you enhance the scope of coverage.
4. When you buy comprehensive bike insurance, you get a no-claim bonus if you don’t make claims in a year. This bonus helps you earn discount on OD portion of the premium on renewals. You can enjoy up to 50% premium discounts by accumulating the no-claim bonus for five claim-free years.
5. The premiums are lower for long-term plans. For instance, the 3-year comprehensive bike insurance price is lower compared to annual comprehensive plans. Thus, long-term comprehensive plans also help save premiums.
Features of comprehensive bike insurance plan:
The salient features of a comprehensive bike insurance policy are as follows –
1. You can opt for annual or long-term comprehensive insurance coverage on your bike. The long-term policy comes for a continuous period of two or three years.
2. Long-term comprehensive bike insurance coverage proves cheaper since insurers offer a premium discount.
3. You can choose from a range of add-ons available under a comprehensive insurance policy. These add-ons can be added at an additional premium for wider coverage.
4. For each year that you don’t make a claim in your comprehensive bike insurance policy, you earn a no-claim bonus. The bonus starts at 20% and keeps increasing after each claim-free year. You can earn a maximum bonus of 50% and claim a 50% discount on the premium.
5. Cashless claims are available under comprehensive insurance coverage. You can get hassle-free repairs at networked garages, and the insurance company handles the claim.
Benefits of a comprehensive bike insurance plan:
Here’s a look at the benefits of a comprehensive bike insurance policy –
1. Wider coverage
The primary benefit of comprehensive insurance is the enhanced scope of coverage. The policy not only covers the mandatory third-party liability but also extends coverage for the damages that your bike might face. If your bike is damaged in an accident, natural or man-made, the cost of repairs is borne by the comprehensive bike insurance policy. Moreover, if your bike is stolen, you get a lump sum benefit compensating you for the financial loss suffered.
Thus, comprehensive bike insurance plans offer inclusive coverage and are recommended.
2. Possibility of add-ons
The optional add-ons are available only under comprehensive bike insurance plans. These add-ons enhance the coverage further and increase the claim payout.
3. Premium discounts
Attractive premium discounts are available under comprehensive bike insurance plans. This makes the premiums more affordable, and you can enjoy wider coverage.
4. Financial security
One of the major advantages of comprehensive bike insurance plans is the financial security that they offer. By covering the repair costs and the financial loss in the case of theft, along with the mandatory third-party liability, comprehensive bike insurance give you complete financial security. In the case of bike-related emergencies, you can be assured that your policy comes to your financial rescue.
5. Cashless claims
If you get your bike repaired at a networked garage, you can enjoy the cashless claim facility. Under this facility, the insurance company handles your repair bills, and you don’t suffer any financial strain. Your bike is repaired and delivered hassle-free.
Who should buy comprehensive bike insurance?
A comprehensive bike insurance policy is suitable for every bike owner, given its wide scope of coverage and hassle-free claims. Furthermore, the policy becomes all the more relevant if –
1. You buy a new bike
2. You buy an expensive bike
3. The repair costs of the bike can be considerable
4. You want complete protection against damages and theft.
Comprehensive bike insurance for old two-wheeler:
A comprehensive bike insurance policy is suitable even for old two-wheelers. It is because old vehicles are also prone to damage and theft. The comprehensive policy takes care of the financial aspects of such damages and theft and gives complete coverage.
Add–ons available with comprehensive bike insurance policy by Zurich Kotak
Customize your coverage with our amazing add-ons - they're like bonus features for your bike protection!
Depreciation Cover
Zero depreciation is an add-on cover in which the claim amount is paid by the insurance company without considering the factor of depreciation of your bike or scooter
Return to Invoice
Return to invoice add-on pays the difference between the invoice value of your bike or scooter and its insured declared value in the event of total loss or theft.
Consumables Cover
Consumable covers include the cost of consumables such as bolts, screws, nuts, lubricants, etc needed in the repair of your bike or scooter
Engine Protect
Engine protect add-on covers the damages caused to the engine of your bike or scooter due to water logging or water spillage and pays for replacement or repair of the engine of the insured vehicle.
Garage Cash
Garage Cash add-on pays a daily allowance to enable you to meet your daily conveyance cost through hired transport during the period when you bike is under repair.
Personal Accident Cover
PA cover is an optional add-on benefit of up to 15 lacs for death or total and permanent disablement due to an accident. The cover is available only for owner/driver of the bike/scooter. The cover is mandatory unless you have an existing PA cover with a minimum sum insured of Rs.15 lakhs.
Steps to buy comprehensive bike insurance online from Zurich Kotak
Hassle-free insurance at your fingertips with our easy and fast online process
Get all-round protection for your precious two wheeler in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the bike & scooter insurance buying process to a few simple steps.
Click on the "Get A Quick Quote" button on Bike Insurance page.
Fill in your vehicle details such as registration number, model, make etc.
Check quote, fill in your personal details and make the payment online.
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Zurich Kotak Bike insurance Reviews & Ratings
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Tips for choosing the right comprehensive bike insurance
Wondering how to select comprehensive bike insurance? Here are some tips that might help –
Go for a comprehensive policy for wider coverage and better financial security.
Opt for suitable add-on covers as per your needs.
You can choose a long-term policy for continued coverage without the hassles of annual renewals. Moreover, long-term comprehensive bike insurance plans also help save on the aggregate premium cost because of the available discounts.
Choose appropriate Insured Declared Value (IDV) so that the claim pay-out will be higher in the case of theft or total loss.
Check for discounts, if any.
When filling up the proposal form for buying the comprehensive bike insurance policy, ensure that you enter all the correct details.
Steps to renew bike insurance policy online from Zurich Kotak
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak allows you the easy process of renewing your bike insurance policy online.
Visit https://www.zurichkotak.com/renewal and select the type of two-wheeler insurance policy which is due for renewal. For example, if you want to renew a comprehensive two-wheeler insurance policy, then select comprehensive two-wheeler insurance.
Then, fill in your two-wheeler insurance policy number, registration number, chassis number and your mobile number. Now, click on ‘Submit’
The insurance company would then validate your two-wheeler policy number and show the details of your policy on the screen after verification.
Check the details of your policy, choose add-ons if you want to buy any and review the premium of your plan.
Pay the premium and your policy would be renewed instantly with a confirmation on your registered email Id and mobile number. You can pay the premium online through any digital payment mode like credit or debit cards, mobile wallets, net banking UPI, etc.
How to claim Two-Wheeler Insurance online at Zurich Kotak
Filing a claim has never been this easy – we made sure of it
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
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
Steps to download physical copy of Bike Insurance Policy
Here is your step-by-step guide to access your policy copy
After you buy a policy online, the soft copy of the bike insurance policy is instantly issued and sent to the registered email ID. Thereafter, the physical copy of the bike insurance policy is sent through mail within a few days. If you are unable to find the soft copy of bike insurance policy in your email or if you have misplaced the physical copy, you can download the policy online
Visit our website www.zurichkotak.com
Click on ‘Download Policy Copy’ under Login button on top right-hand corner
Enter the policy number, registered mobile number or the registered email ID and click on ‘Get OTP’
An OTP would be sent to your registered mobile number and email ID. Enter the OTP in the required field and submit
The policy copy would be available for download. You can download it on your system and save it for future use
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a two-wheeler insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Bike Insurance glossary
There's always more to know about bike Insurance
The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy
The IDV is the maximum coverage amount set by the insurer for a vehicle, based on the manufacturer's price adjusted for depreciation. In case of total loss, it represents the compensation to the policyholder.
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
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Frequently Asked Questions About Comprehensive Bike Insurance Policy
No, a comprehensive bike insurance policy is not compulsory. The Motor Vehicles Act of 1988 requires only third-party liability coverage. However, comprehensive bike insurance provides a wider scope of coverage and is, thus, recommended.
There are annual as well as long-term comprehensive bike insurance plans available. Annual plans come with a one-year tenure, while long-term plans offer tenures of two or three years.
A comprehensive insurance policy for bikes and two-wheelers is one that covers the mandatory third-party liability and also extends coverage for own damages that the bike might face. The comprehensive plan covers accidental, natural, or man-made damages and also the theft of the bike.
All bike parts are covered under a comprehensive bike insurance policy.
Usually, the engine is covered under a comprehensive bike insurance policy, provided the damage is due to any calamity covered by the policy. For wider coverage, you can opt for the engine protect add-on.
If the engine is blown due to an accident, natural or man-made calamity, and such calamity is covered under the comprehensive bike insurance plan, coverage will be available.