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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.
Bike Insurance Plans By Zurich Kotak
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.
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.
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)
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.