Discover how Zurich Kotak Bike Insurance shields you from unexpected expenses and keeps you riding worry-free.
Owning a bike offers freedom and convenience, but it also comes with its share of risks. Zurich Kotak Bike Insurance safeguards both you and your two-wheeler from all such unwarranted risks.
This comprehensive insurance plan offers protection against accidents, theft, and natural calamities. It provides you with the financial security you need to enjoy your rides without worry. On Bajaj Markets, you can get a plan at affordable premiums starting from ₹538 per year.
On Bajaj Markets, you can compare different policies to select one that aligns with your specific needs. The following are the Zurich Kotak Bike Insurance plan you can opt for-
Insurer |
Claim Settlement Ratio |
Starting Premium |
Zurich Kotak Bike Insurance |
98% |
₹538 |
Disclaimer: The premium rates provided above are only indicative and may vary subject to changes in the insurer’s policies.
You can get diverse coverage plans as per your specific requirements. The following are the types of coverages you can get with this plan-
Policy Name |
What’s Covered |
Third-party Insurance |
It covers financial losses incurred by a third party and their property due to an accident caused by you. |
Own Damage Cover |
This policy covers damages to your bike itself. It protects you against losses due to accidents, theft, fire, natural calamities, and more. |
Comprehensive Insurance |
It combines the benefits of both third-party insurance and own damage cover. This ensures all-round protection for you and your bike. |
You can browse through different plans on Bajaj Markets and apply for the best-suited one without visiting a physical office. Follow these simple steps to get Zurich Kotak Bike Insurance-
Click on the ‘Check Plans’ button available at the top of this page
Provide details about your vehicle’s make, model, registration number, etc.
Enter your personal details
Get a quote for the Zurich Kotak Bike Insurance plans
Choose a plan that aligns with your requirements
Select suitable add-on covers to be included with the plan
Upload the required documents to proceed to the payments page
Pay the premium amount to receive the plan
This insurer provides diverse characteristics that extend comprehensive protection for your two-wheeler. The following are some of the notable features of Zurich Kotak Bike Insurance-
Cashless claims at network garages
Discounts on Zurich Kotak Bike Insurance price
Comprehensive coverage
Add-ons offering wider coverage
Protection for no claim bonus
Selecting the perfect policy is essential to safeguard your two-wheeler and finances. Zurich Kotak Bike Insurance offers a range of advantages to make your ownership experience worry-free. These include-
Enjoy the convenience of hassle-free claim settlements at a network of 4,400+ partner garages, saving you from upfront expenses
Tailor your policy to your specific needs and widen your coverage with a variety of optional add-ons
Get timely help for all your queries and resolution for your needs with Zurich Kotak Bike Insurance's active customer support team
Experience efficient claim settlements with cashless or reimbursement options
Benefit from attractive discounts on renewal premiums for accident-free years
Opt for a higher voluntary deductible to potentially lower your premium
Enjoy premium discounts based on your Automobile Association of India (AAI) membership and other eligible factors
Understanding inclusions and exclusions is important when opting for a policy. It ensures that you can get adequate coverage for the risks associated with your two-wheeler. The following are the inclusions and exclusions on Zurich Kotak Bike Insurance-
Inclusions |
Exclusions |
Loss due to physical damage |
Claims arising out of contractual liabilities |
Total loss because of burglary or theft |
Losses incurred outside the geographical area of the plan |
Any losses incurred because of earthquakes, floods, or other natural calamities |
Consequential damages or loss due to depreciation |
riots, strikes, terrorist activities, or other malicious activities |
Damages caused by mechanical or electrical breakdown |
Loss or damages to the third-party or their property |
Damages caused when driving under the influence of alcohol |
Coverage in case of the death/permanent total disability of the owner or driver |
Loss incurred due to war, foreign invasion, or nuclear attack |
Check out the factors that influence the Zurich Kotak Bike Insurance premium:
Comprehensive coverage offers wider protection than third-party insurance or own damage cover. Hence, the premiums for comprehensive coverage are higher.
Longer policy terms often result in lower premiums compared to shorter ones.
The make, model, and variant of your bike impact the premium due to variations in Insured Declared Value (IDV).
Older bikes generally have lower premiums compared to newer models because of depreciation.
Areas with higher accident or theft rates may have higher insurance premiums.
A clean claim history earns you a No Claim Bonus, reducing your premium.
Optional additional covers enhance protection but can also increase your premium.
Determining the exact premiums associated with your policy is an important point of consideration before you get it. Follow these simple steps to check the premium amount for the Zurich Kotak Bike Insurance plan-
Visit the bike insurance premium calculator page
Provide details like your car registration number, mobile number, and PIN code
Click on the ‘Get Quote’ button to get an estimate
You can opt for additional coverage if you want to bolster the protection extended by your plan. Check out the added covers you can opt for with Zurich Kotak Bike Insurance policies-
Consumables Cover
Depreciation Cover
Engine Protect
No Claim Bonus (NCB) Protect
Return to Invoice
The claim settlement ratio of Zurich Kotak Bike Insurance is 98%.
This policy comes with wide coverage benefits, which you can enjoy with a low premium amount. You can also opt for additional covers to extend the coverage available.
Yes, you can opt for a comprehensive plan. This will combine the benefits of both third-party insurance and own damage cover.
The premium for this policy depends on several factors. These include the model and variant of the bike, its age, the add-ons you select, and more. Third-party bike insurance premium starts at ₹538 per year.