What Is Covered in Kotak Comprehensive Bike Insurance?

• Kotak comprehensive bike insurance covers the following:Third-party damage or injury If your bike causes injury, death, or damage to another person or their property, the insurance helps pay the legal and monetary costs.Damage from natural disasters The insurance covers damage to your bike caused by floods, earthquakes, landslides, storms, and other natural events.Damage from man-made problems If your bike is damaged due to riots, strikes, fire, or terrorist activities, the insurance will cover it.Theft of the bike If your bike is stolen, the insurance helps you get compensation.

What Is Not Covered in Kotak Comprehensive Bike Insurance?

• This insurance does not cover:Normal wear and tear of the bikeDamage caused by careless or intentional actionsMechanical or electrical breakdownDamage because of contract-related issuesAccidents when the rider does not have a valid driving licenceAccidents while riding under the influence of alcohol or drugsDamage caused by war, nuclear risks, riots, or similar eventsDisclaimer: Always refer to your policy documents to know the exact coverage.

Benefits of Buying Kotak Comprehensive Bike Insurance

• Here are the main benefits of Zurich Kotak Comprehensive bike insurance that you should know. This insurance covers damage to your own bike and also protects you if your bike causes death, injury, or damage to someone else’s property. If your bike gets damaged in an accident, Zurich Kotak will pay for your bike’s repairs. It also gives money if anybody steals your bike or damages it by fire. With insurance, your bike gets financial security from natural events like floods, earthquakes, and storms. It also covers damage from man-made events like riots, strikes, or vandalism.Zurich Kotak also allows you to choose extra add-on covers. These give more protection, such as zero depreciation, engine protection, and roadside help.The policy includes personal accident cover for the owner-driver. This gives financial help in case of serious injury or death, as per the rules.In addition, Zurich Kotak has many cashless garages across India. You can repair your bike without paying first. The claim process is easy and quick, so you feel less stress in emergencies.