Zurich Kotak Bike Insurance

Zurich Kotak General Insurance Company (India) Limited is owned by two companies: Zurich Insurance Group (70%) and Kotak Mahindra Read More

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Premium coverage starts at ₹ 457*

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It is one of the newest and fastest-growing general insurance companies in India.

Kotak General Insurance started in 2015 to serve the growing general insurance market in India. The company offers different types of insurance, such as motor, health, and home insurance. It serves many kinds of customers across India and uses modern technology and digital systems to provide better and customized services.

Zurich Kotak Third Party Comprehensive Standalone Own Damage Zero Depreciation Claim Renewal Policy Download Customer Care

About Zurich Kotak Bike Insurance

Zurich Kotak Bike Insurance helps protect your bike from damage and loss. It covers problems like accidents, theft, fire, and natural disasters. The insurance also helps you pay for repairs and keeps you safe from big expenses. You can choose extra covers if you want more protection. The policy is easy to buy and manage, and it gives you peace of mind while riding your bike.

Key Features of Zurich Kotak Bike Insurance

Key Features	Explanation
Network Garages	5,700+
Personal Accident Cover	Up to Rs. 15 lakh
Customer Support	Available 24/7
Add-Ons	Available
Third-Party Liabilities	Covered

Types of Kotak Bike Insurance Plans

Kotak Bike Insurance offers different types of plans to protect your bike. You can choose a plan based on your needs and budget.

Third-Party Bike Insurance
This is the basic bike insurance plan and is required by law in India. It covers damage or injury caused to another person or their property by your bike. It does not cover damage to your own bike.
Comprehensive Bike Insurance
This plan gives full protection. It covers damage to your bike and also covers damage or injury caused to others. It includes protection against accidents, theft, fire, and natural disasters. You can also add extra covers for better protection.
Own Damage Bike Insurance
This plan covers only your bike. It protects your bike from damage due to accidents, fire, theft, and natural disasters. It does not cover third-party damage and is usually bought along with third-party insurance.

Top Bike Insurance Plans

Why Should You Buy Zurich Kotak Two-Wheeler Insurance?

Owning a bike comes with daily risks. Accidents or damage can happen anytime and may cost a lot of money. Two-wheeler insurance helps protect your bike, your money, and gives you peace of mind. Here are some benefits:

01
Gives Protection from Damage and Loss
Bike insurance helps pay for repairs or replacement if your bike is damaged due to an accident, theft, fire, natural disasters, or man-made problems. This saves you from sudden big expenses.
02
Offers Extra Protection with Add-Ons
You can choose extra covers like zero depreciation, engine protection, or return to invoice. These add-ons give your bike better protection based on your needs.
03
It is Required by Law
In India, it is mandatory to have at least third-party bike insurance. Riding without insurance can lead to fines, penalties, or even seizure of your bike.
04
Gives Personal Accident Cover
Bike insurance also gives personal accident cover. It provides financial help if the rider is seriously injured, becomes permanently disabled, or dies in an accident.
05
Offer No Claim Bonus (NCB) Benefit
If you do not make any claim during the policy year, you get a No Claim Bonus. This reduces your premium when you renew your insurance.
06
Provides Insurance for All Types of Two-Wheelers
Whether you have a scooter, a sports bike, or a regular bike, Zurich Kotak General Insurance offers bike insurance plans for all types of two-wheelers.

Add-ons for Zurich Kotak Bike Insurance

Basic bike insurance gives normal protection, but add-ons give extra safety. These optional covers help protect you from extra costs that are not covered in basic insurance.

Zero Depreciation Cover
As your bike gets older, the value of its parts goes down. Zero Depreciation cover helps you get the full cost of new parts during repairs, without cutting money for wear and tear. This means you pay less from your own pocket.
Return to Invoice
If your bike is stolen or fully damaged, this add-on pays the original price shown on your bike bill. It helps you get back the full value of your bike and reduces a big financial loss.
Consumables Cover
This add-on covers small items like engine oil, brake oil, nuts, bolts, and lubricants. These items are usually not covered in basic insurance. This cover helps save money on regular repair costs.
Engine Protect
Engine protect helps if your bike’s engine is damaged due to water entering the engine, oil leakage, or mechanical problems. Since engine repair is very costly, this add-on gives important protection.

Zurich Kotak Bike Insurance Policy Coverage

What it Covers

Zurich Kotak bike insurance helps pay for damage or loss to your bike in many situations, such as:
Damage to your bike due to an accident.
Loss or damage caused by theft, burglary, or housebreaking.
Damage caused by natural disasters like floods, earthquakes, storms, hurricanes, or cyclones.
Damage due to fire, lightning, explosion, or self-ignition.
Loss or damage caused by man-made problems like riots, strikes, or terrorism.
Damage to your bike while it is being transported by road, rail, air, water, lift, or elevator.

What Does it not Cover

Zurich Kotak bike insurance does not cover the following cases:
Normal wear and tear or loss in value of bike parts over time.
Damage caused by mechanical or electrical breakdown.
Any loss if the rider is drunk or under the influence of drugs.
Damage if the rider does not have a valid driving licence at the time of the accident.
Any indirect or related losses.
Damage to tyres or tubes unless the bike is also damaged in the same accident.

Disclaimer: Always refer to your policy documents to know the exact coverage.

Documents Required for Buying Zurich Kotak Bike Insurance

To buy Zurich Kotak Bike Insurance, you need only a few simple documents. These documents help make the buying or renewal process fast and easy.Bike Registration Certificate (RC)Valid Driving LicenceAadhaar Card or PAN CardBike Engine Number or Chassis NumberPrevious Bike Insurance policy details (if any)

How to Buy Zurich Kotak Bike Insurance From Square Insurance?

Step 1: Go to the Square Insurance website at "https://www.squareinsurance.in/".Step 2: Click on the "Bike Insurance" option under the "Insurance Products" menu.Step 3: If your bike is new, click on "Got a New Two-Wheeler."Step 4: If your bike is old, type your bike’s registration number and click "View Plans."Step 5: Enter details like RTO, make, model, variant, and the year your bike was registered.Step 6: You will see different plans. Look at them and choose the one from Zurich Kotak.Step 7: Pay for the plan you picked. You will get your policy document by email from Zurich Kotak soon.