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.

Zurich Kotak Bike Insurance Plans Available on Bajaj Markets

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.

Types of Zurich Kotak Bike Insurance

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.

How to Get Zurich Kotak Bike Insurance Online

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-

  1. Click on the ‘Check Plans’ button available at the top of this page

  2. Provide details about your vehicle’s make, model, registration number, etc.

  3. Enter your personal details

  4. Get a quote for the Zurich Kotak Bike Insurance plans 

  5. Choose a plan that aligns with your requirements

  6. Select suitable add-on covers to be included with the plan

  7. Upload the required documents to proceed to the payments page

  8. Pay the premium amount to receive the plan

Key Features of Zurich Kotak Bike Insurance Plans

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

Benefits of Zurich Kotak Bike Insurance

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-

  • Cashless Claims

Enjoy the convenience of hassle-free claim settlements at a network of 4,400+ partner garages, saving you from upfront expenses

  • Additional Coverage

Tailor your policy to your specific needs and widen your coverage with a variety of optional add-ons

  • 24/7 Assistance

Get timely help for all your queries and resolution for your needs with Zurich Kotak Bike Insurance's active customer support team

  • Smooth Claims Process

Experience efficient claim settlements with cashless or reimbursement options

  • Reward for Safety

Benefit from attractive discounts on renewal premiums for accident-free years

  • Premium Flexibility

Opt for a higher voluntary deductible to potentially lower your premium

  • Exclusive Savings

Enjoy premium discounts based on your Automobile Association of India (AAI) membership and other eligible factors

What is Covered & Not Covered

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

Factors Influencing the Premium of Zurich Kotak Bike Insurance

Check out the factors that influence the Zurich Kotak Bike Insurance premium:

  • Type of Policy

Comprehensive coverage offers wider protection than third-party insurance or own damage cover. Hence, the premiums for comprehensive coverage are higher.

  • Policy Duration

Longer policy terms often result in lower premiums compared to shorter ones.

  • Bike Details

The make, model, and variant of your bike impact the premium due to variations in Insured Declared Value (IDV).

  • Bike Age

Older bikes generally have lower premiums compared to newer models because of depreciation.

  • Location

Areas with higher accident or theft rates may have higher insurance premiums.

  • Claim History

A clean claim history earns you a No Claim Bonus, reducing your premium.

  • Add-ons

Optional additional covers enhance protection but can also increase your premium.

How to Calculate the Premium for Kotak Bike Insurance on Bajaj Markets

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- 

  1. Visit the bike insurance premium calculator page

  2. Provide details like your car registration number, mobile number, and PIN code

  3. Click on the ‘Get Quote’ button to get an estimate

Add-on Covers Offered by Zurich Kotak Bike Insurance

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

Frequently Asked Questions

What is the claim settlement ratio of Zurich Kotak Bike Insurance?

The claim settlement ratio of Zurich Kotak Bike Insurance is 98%.

What are the benefits of opting for Zurich Kotak Bike Insurance?

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.

Can I get comprehensive coverage from Zurich Kotak Bike Insurance?

Yes, you can opt for a comprehensive plan. This will combine the benefits of both third-party insurance and own damage cover.

What is the premium price for Zurich Kotak Bike Insurance?

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.

✓No Inspection Policy Issuance ✓24x7 Assistance ✓Quick Claim Processing | Buy a Bike Insurance Plan Starting at ₹538/year* Check Plans
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