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Key Benefits of Buying Zurich Kotak Third-Party Bike Insurance

Third-party bike insurance is needed by law for every bike owner. It gives basic protection but is very useful in emergencies. Here are some simple benefits of Zurich Kotak Third-Party Bike Insurance:

  • 01

    Financial and Legal Protection

    If your bike causes injury, death, or damage to someone else or their property, this insurance helps pay the money and legal costs. You don’t have to worry about big expenses.

  • 02

    Peace of Mind

    This policy lets you ride your bike legally, as required by law. It also gives peace of mind because it supports you financially and legally if your bike causes harm or damage to someone else.

  • 03

    Affordable and Budget-Friendly

    Third-party bike insurance is the simplest and cheapest type of bike insurance. The premium is very affordable, so it is popular among many bike owners.

Bike Insurance Plans By Zurich Kotak

What Is Covered and Not Covered in Zurich Kotak Third-Party Bike Insurance?

 

What it Covers

  • The Zurich Kotak third-party bike insurance plan protects you in these ways:

  • Damage to another vehicle

    If your bike hits someone else’s vehicle, the insurance pays for the damage, whether it is small or total.

  • Personal accident cover

    This covers the bike owner and rider if they get injured in an accident.

  • Third-party costs

    If your bike causes an accident that hurts someone else or damages their property, the insurance helps pay for their losses and any legal costs.

  • Premium payment

    You pay the insurance premium every year. If you choose a 2- or 3-year policy, your premium would not increase during this period.

  • Multiple policy options

    You can choose a policy for 1 year, 2 years, or 3 years, depending on what is easier for you.

  • No-claim bonus

    If you don’t make any claims, you can get a bonus when you renew, which can lower your premium.

What Does it not Cover

  • The Zurich Kotak third-party bike insurance does not cover these situations:

  • Damage caused by war, nuclear accidents, or riots.

  • Damage caused by the bike getting old, worn out, or losing value over time.

  • Damage that happens while riding drunk or without a valid driver's licence.

  • Damage if the bike is used in ways it is not meant for.

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