Product | UIN No. |
|---|---|
Two Wheeler Secure | IRDAN152RP0010V03201516 |
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
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 Bike Insurance?
Bike insurance technically known as two-wheeler insurance is an insurance policy which covers your bike against damages due to accident, fire, man-made or natural disasters and theft. It is an ideal tool to protect yourself against financial losses that might arise in future due to unfortunate events.
Bike insurance also covers bike-related third-party liabilities that may arise due to damages caused to third-party vehicle, property or physical injury. Two-wheeler insurance or bike insurance covers scooters, motorcycles, mopeds, etc. As per the Motor Vehicles Act 1988, every vehicle should compulsorily have third-party liability insurance. Third-party liability insurance covers third-party damages caused to the property or the person. While third-party liability insurance is mandatory as per law, buying own-damage insurance is also necessary. Own-damage bike insurance covers damages caused by man-made and natural calamities, accidents and theft. Both the third-party and own-damages can be brought either separately or under a single policy known as a comprehensive bike insurance policy. New two-wheelers are now mandatorily required to have 5-year third-party liability insurance cover as per the law.
Key features of Two-Wheeler Insurance from Zurich Kotak General Insurance
Discover the exciting bike Insurance features that go the extra mile for your safety
Additional Zurich Kotak Two-Wheeler Insurance features
We believe in going above and beyond for your safety. Check out our new additional features!
Third-party liability covers
Coverage against third-party bodily injury, death and property damage
Own Damage Cover
Covers accidents, man-made disasters and natural calamities
Personal accident cover
Avail personal accident cover of up to Rs.15 lakhs for the owner-driver of the two-wheeler
Theft
We secure you from the loss due to theft and pay a financial compensation
Towing facility
We will tow your bike to the nearest garage, for free.
Optional add-ons
Customise your Zurich Kotak two-wheeler insurance by choosing from a list of smart add-ons available at additional premium
Claim settlement ratio
A high claim settlement ratio fosters trust in our policies
No Claim Bonus
Avoid making unnecessary claims and enjoy up to 50% discount on your renewal premium through no claim bonus
Issuance of policy
Instant policy with zero paperwork
Network garage
4000+ cashless network charges
Claim settlement
At Zurich Kotak, we process your claim at jet speed so that you get financial assistance in emergencies without the wait
Assistant
Get 24 * 7 round the clock assistance for all your queries, needs, doubts and complaints. We are just a call away.
Why do you need a 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.
Different types of Two-Wheeler Insurance plans by Zurich Kotak General Insurance
Know the diverse range of our insurance plans and find the perfect one that suits your driving needs
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 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 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 Vehicle Act 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). IRDAI determines the premiums of third-party liability insurance based on the cubic capacity of the bike.
Personal Accident Cover
Personal Accident cover can be brought as an optional 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 all the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc. It compensates even if your bike or scooter is destroyed in a fire or any other disaster.
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 all the repair expenses and bear all the costs associated with it. Know more about the surprising things covered by motor insurance.
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
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
Don’t let fire damage to your bike ruin your life. Stay protected against any loss and get compensated for damages caused by fire.
Natural disasters
When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.
Third-party damage
We’ll cover you for all third-party damages caused due to a road accident or any other mishap involving your two-wheeler. You are protected against accidents and mishaps on the road.
Personal accident
Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.
Theft
You should never have to worry about anything when it comes to protection from theft. Because two-wheelers are easy targets for thieves, we'll cover it all for your bike.
Man-made calamities
We safeguard your vehicle against all man-made disasters such as theft, burglary, strikes and riots. We keep your vehicle safe & protected always.
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.
Bike Insurance coverage
What is covered under Bike Insurance policy by Zurich Kotak General Insurance
Bike insurance policy offered by Zurich Kotak General Insurance protects your bike from contingencies and covers the following types of damages and losses:
Third-Party Cover
Bike insurance covers damages to the third-party property or injury sustained by a third party. It also includes coverage of legal liabilities that arise in the event of the death of any third party in an accident involving your vehicle.
Accidental damages
A bike insurance policy covers the damages sustained by your bike in an accident so that you can replace or repair the parts without bearing the brunch of financial losses. The repair costs are taken care of by a comprehensive bike insurance policy.
Man-made disasters
Damages caused due to man-made disasters such as strikes, riots, and terrorist activities are covered. If your two-wheeler is damaged due to these instances, the comprehensive policy will pay for the repairs.
Natural disasters
Damages caused to your bike or scooter due to natural-made disasters such as cyclones, floods, earthquakes, etc. are also included. Repair costs are covered under the scope of the policy.
Fire
Bike insurance policy also includes all the disasters caused by fire such as lightning, self-ignition, fire explosion, etc.
Theft
In case of theft of the vehicle, a lump sum amount is paid as claim so that you do not suffer a major financial loss.
Personal accident
Bike insurance policy also offers the personal accident cover for owner driver which covers accidental deaths and permanent total disability. If the owner or driver of the two-wheeler suffers either of these contingencies, a lump sum amount, up to Rs.15 lakhs, is paid.
Total loss
If your bike is damaged beyond repairs, it is called a total loss. In such cases, the comprehensive two-wheeler policy pays the Insured Declared Value of the policy as claim so that you can deal with the financial loss suffered.
Add–ons available with Bike Insurance policy by Zurich Kotak General Insurance
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.
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.
Why choose Zurich Kotak Bike Insurance online
Experience seamless protection and security with us
You and Zurich Kotak Bike Secure have the mutual goal of keeping your bike safe and sound. Under any unforeseen circumstances, Zurich Kotak Bike insurance provides all-around protection. With Zurich Kotak bike Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Zurich Kotak’s cashless garage network across India.
Time saving bike policy
No need to spend hours in buying a bike insurance policy for your bike. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your bike and take it for a spin without worrying about potential financial losses.
Money saving bike policy
Zurich Kotak Bike insurance comes at affordable premiums starting as low as Rs.2094. So, insure your bike without burning a hole in your pockets with Zurich Kotak Bike insurance plans.
Effort saving bike policy
At Zurich Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Instant discounts on bike policy
Zurich Kotak offers bike insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.
24x7 Customer care support for bike policy
Need help in buying, renewing or making a claim on your bike insurance policy? Zurich Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.
Trusted and reliable bike policy
At Zurich Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
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
See how simple it is to get a bike insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as bike registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Bike insurance Page and review coverage
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
Policy Wording
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Intimate Claim
Quick Verification
Instant Settlement
Zurich Kotak Bike insurance Reviews & Ratings
Look what they have to say
We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.
Bike Insurance
Tejas Kanubhai Doshi
Bike Insurance
Arun C
Bike Insurance
Preeti Rishi Galrani
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 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
Understand the key factors that affect your two-wheeler insurance premiums
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 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 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.
Advantages of renewing Bike Insurance online
Here's why online bike insurance renewal is a win for you
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
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 Zurich Kotak Two-Wheeler Insurance online
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
List of 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 raise a bike insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to save on Bike Insurance premium
Check out the KYC documents required for your bike insurance purchase
There are different ways to save bike insurance premium. Have a look at them
Choose a suitable policy
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.
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.
Renew on time
Always renew your policy on time since bike insurance premiums are lower for on-time renewals compared to lapsed policies.
Claim no claim bonus
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.
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 car 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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Your bike deserves the best insurance
Bike Insurance - Frequently Asked Questions
You can check your bike insurance status from PARIVAHAN e-service website of the road Transport and highways Ministry of two wheeler policies.
Open the official website Parivahan
Tap on know your vehicle details
Enter your vehicle number and enter the Captcha
Check on ‘Vahan Search’
You can view your policy here
Visit the official website of Regional Transport Office (RTO)
Enter your vehicle registration number
You will find all the details of your Bike insurance
You can also follow the same process and enter your registration number in the Parivahan Website to view your insurance policy details.
No Claim Bonus or NCB in bike insurance is a discount offered on the Own Damage portion of the premium amount by the insurance companies. Every two wheeler insurance policyholder is eligible for this advantage if there are no claims raised throughout the policy term.
To check the status of your two wheeler insurance policy,
visit https://www.zurichkotak.com/customer-support/service-status
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.
You can purchase any number of add-ons from the add-ons provided by the insurer for the specific type of two-wheeler insurance.
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.
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 two coverages in the same plan, i.e., Third Party Liability Insurance and Own damage insurance.
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 am
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 know your Claim amount, submit all your bills for reimbursement along with complete documentation. Intimate us at 800 266 4545 (8 a.m. - 8 p.m.) for the claim with policy number.
No, you cannot raise a claim if your two wheeler insurance has expired, as, at the time of the accident, the two wheeler insurance policy did not exist.
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.
The own-damage cover policy can be brought only if you have an existing valid third-party liability two-wheeler insurance for your scooter as mandatory under law. You cannot buy only the own-damage insurance two-wheeler for your scooter without fulfilling the legal mandate of third-party liability. You can either buy third-party liability insurance as a standalone cover before buying a standalone OD policy or buy a comprehensive policy to cover both.
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.
Bike insurance offers comprehensive coverage at competitive premiums. The premium of the policy depends on various factors such as sum assured, bike make and mode, etc. You can compare various policies online, use your no-claim bonus, if any, opt for voluntary deductibles and anti-theft devices in your bike to reduce your premium and buy one at the lowest price.
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.
Third-party Liability Two Wheeler Insurance: This two wheeler insurance covers all third-party liability for damages to vehicle, property, or person.
It is simple and easy to renew two-wheeler insurance online; just follow the below steps:
Select the Zurich Kotak Long Term Two-wheeler Secure (Comprehensive policy) / Zurich Kotak 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.
To know your Claim amount, submit all your bills for reimbursement along with complete documentation. Intimate us at 800 266 4545 (8 a.m. - 8 p.m.) for the claim with policy number.
No, you cannot raise a claim if your two wheeler insurance has expired, as, at the time of the accident, the two wheeler insurance policy did not exist.
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.