Types of Zurich Kotak Bike Insurance Claims

• There are two types of Zurich Kotak bike insurance claims: Cashless Claim If your bike is repaired at a Zurich Kotak network garage, you do not have to pay money first. Zurich Kotak pays the approved repair cost directly to the garage.Reimbursement Claim If your bike is repaired at a garage that is not in the Zurich Kotak network, you must pay the repair cost yourself. After that, you can submit the bills and documents, and Zurich Kotak will pay you back the approved amount.

Documents Required for Zurich Kotak Bike Insurance Claim

• Here are the documents you need to make a Zurich Kotak bike insurance claim:Filled and signed bike insurance claim formCopy of the Zurich Kotak bike insurance policyBike Registration Certificate (RC)Copy of the rider’s valid driving licenceFIR copy (needed for theft, accidents, or major damage)No Trace Report and RTO notice (only for bike theft cases)Repair cost estimate, final bill, and payment receiptsPhotos of the damaged bike (if asked)Personal ID proof (if required)

How to Register a Kotak Bike Insurance Claim Online?

• You can register your Kotak bike insurance claim online by following these easy steps:Step 1: Visit the WebsiteGo to the official website of Zurich Kotak.Scroll down the home page and click on “Claim Process” under the Services section.Read the details and then click on “Register Now.”Step 2: Enter Your DetailsEnter your policy number or bike registration number and click Proceed.You will get an OTP on your registered mobile number. Enter the OTP to continue.Step 3: Check Policy and Register ClaimAfter logging in, check your policy details.Select the reason for the claim (damage or loss of bike) and click Proceed.After this, Kotak will arrange an inspection of your bike.

How to Make a Kotak Cashless Bike Insurance Claim?

• A cashless claim means you don’t pay money at the garage.Step 1: Inform Kotak Tell Kotak about the accident, theft, or damage within 24 hours. You can call 1800 266 4545 or visit the nearest Kotak branch.Step 2: Register the Claim A Kotak executive will contact you. Share details like policy number, date, time, and place of the incident. You will get a claim number after registration.Step 3: Bike Inspection A surveyor will check the bike damage. You may need to share documents, photos, or witness details. The surveyor will estimate the repair cost.Step 4: Claim Settlement After approval, Kotak pays the repair cost directly to the network garage. The amount is paid after considering depreciation and deductibles.

How to Make a Kotak Reimbursement Bike Insurance Claim?

• A reimbursement claim is used if you repair the bike at a non-network garage. Here are a few easy steps to get a reimbursement bike insurance claim:Step 1: Call 1800 266 4545 or visit a Kotak branch. Inform them immediately after the accident or theft.Step 2: A Kotak executive will call you back. Share your policy number and accident details. You will receive a claim reference number.Step 3: Do not repair the bike before inspection. A surveyor will check the bike and estimate the repair cost. You may need to submit documents, photos, or witness details.Step 4: After approval, repair the bike at your chosen garage and pay the cost. Submit the repair bills and documents to Kotak. After verification, Kotak will refund the approved claim amount, after deductions.