Bike Insurance

Limit your speed, not your two-wheeler insurance

Get two-wheeler insurance that fits your needs & budget!icon

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Speed up your bike insurance renewalwith Kotak.
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Instant policy with zero paper-work

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Quick and hassle-free claim process

Google Rating

4/5

We take your safety seriously

4200+

4200+

Cashless Garages

Jet-Speed

Jet-Speed

Claims

Upto 50%

Upto 50%

No Claim Bonus

99%

99%

Claim Settlement Ratio

24/7

24/7

Around The Clock Assistance

*The above data is till 30th September, 2023

What is Bike Insurance?

Bike insurance technically known as two-wheeler insurance is an insurance policy which covers your bike against damages due to accident, fire, man-made or natural disasters and theft. It is an ideal tool to protect yourself against financial losses that might arise in future due to unfortunate events.

Bike insurance also covers bike-related third-party liabilities that may arise due to damages caused to third-party vehicle, property or physical injury. Two-wheeler insurance or bike insurance covers scooters, motorcycles, mopeds, etc. As per the Motor Vehicles Act 1988, every vehicle should compulsorily have Third Party Liability Insurance. Third Party Liability Insurance covers third-party damages caused to the property or the person. While Third Party Liability Insurance is mandatory as per law, buying own-damage insurance is also necessary. Own-damage bike insurance covers damages caused by man-made and natural calamities, accidents and theft. Both the third-party and own-damages can be brought either separately or under a single policy known as a comprehensive bike insurance policy. New two-wheelers are now mandatorily required to have 5-year Third Party Liability Insurance cover as per the law.

what-is-car-insurance

Key features of Two Wheeler Insurance from Kotak

Discover the exciting bike Insurance Features that go the extra mile for your safetykey-features

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Cashless servicing.

Kotak General Insurance has to tie up with 4000+ cashless garages network across India to provide its customers access to cashless servicing. You just have to take your vehicle to the nearest network garage for repair and the insurance company will take care of the expenses incurred.

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NCB discounts & entitlements

No-claim bonus is a discount rewarded to policyholders for each claim-free policy year, typically starting at 20% for the first year and reaching a maximum of 50% for the next five consecutive claim-free years. This bonus is transferable and can be applied to a new vehicle purchase.

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Premium discounts

Get an additional discount (as per the tariff) on your bike insurance premium when you opt for Voluntary Deductible in addition to Compulsory Deductible.

Additional features of Two Wheeler Insurance

We believe in going above and beyond for your safety. Check out our new additional features!additional

Third-party liability covers

Coverage against third-party bodily injury, death and property damage

Own Damage Cover

Covers accidents, man-made disasters and natural calamities

Personal accident cover

Avail personal accident cover of up to Rs.15 lakhs for the owner-driver of the two-wheeler

Theft

We secure you from the loss due to theft and pay a financial compensation

Towing facility

We will tow your bike to the nearest garage, for free.

Optional add-ons

Customise your Kotak two-wheeler insurance by choosing from a list of smart add-ons available at additional premium

Claim settlement ratio

A high claim settlement ratio fosters trust in our policies

No Claim Bonus

Avoid making unnecessary claims and enjoy up to 50% discount on your renewal premium through no claim bonus

Issuance of policy

Instant policy with zero paperwork

Network garage

4000+ cashless network charges

Claim settlement

At Kotak, we process your claim at jet speed so that you get financial assistance in emergencies without the wait

Assistant

Get 24 * 7 round the clock assistance for all your queries, needs, doubts and complaints. We are just a call away.

Why Do You Need a Bike Insurance Policy?

Bike insurance is your safety net on the roads. Explore more why you need itwhy-car-insurance

Mandatory

Third-party liability insurance is mandatory under The Motor Vehicles Act, of 1988 and every owner of the bike must buy the mandatory third-party liability policy or else they would be subjected to legal actions. Hence, you need a bike insurance policy to fulfil the legal requirement and to avoid penalties.

Cover against natural and man-made calamities

A comprehensive two-wheeler insurance policy covers natural and manmade calamities that might result in significant repair costs or total loss of your bike. You can get coverage and financial protection against such disasters under bike insurance.

Cover against third-party damage

Bikes are prone to accidents in comparison to cars. Your bike might injure a third party or damage their property thereby raising legal third-party liabilities. Such third-party liability may drain you financially in the absence of a bike insurance policy. You will get coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicle Act.

Cover for thefts of your bike

A bike insurance policy covers you if your bike has been stolen or lost and gives a lump sum financial compensation for the same. This can help you to buy a new bike for your conveyance needs. Know more about the surprising things covered by motor insurance.

Types of Two-Wheeler Insurance plans by Kotak

Know the diverse range of our Insurance Plans and find the perfect one that suits your driving needstypes

Kotak Long Term Two- wheeler Secure

It is a comprehensive two-wheeler insurance policy which covers own damages and third-party liabilities. It also includes losses due to theft or calamities. The policy has a coverage period of three years and can be renewed after that. You can also enhance the coverage of the plan and customise it through add-ons available at an additional premium.

Learn Moremore

Kotak Long Term Two wheeler Secure -Liability Only

It is a standalone third-party liability insurance which covers only damages or losses caused to third party and his/her property. The plan offers coverage for a period of three years .

Learn Moremore

Kotak Long Term Two- wheeler Secure Bundled

It is a bundled comprehensive two-wheeler insurance policy in which you get three-year third-party coverage and one-year own-damage coverage. The bundle comprehensive policy is available only for new bikes or scooters.

Learn Moremore

Features of our various Bike insurance policies

See what makes our bike insurance policies stand out!various-features

As its name suggests, comprehensive two-wheeler insurance provides comprehensive coverage to your vehicle encompassing third-party liabilities, own damages, theft and damages rising due to natural, man-made calamities and fire.

tickThird-party injury, death or property damage

Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.

tickOwn-damages

Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.

tickTheft

You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a lump sum benefit would be paid to help you buy a new bike or scooter.

tickPersonal Accident Cover

Comprehensive Two-wheeler insurance also offers personal accident cover of up to 15 lakhs for the owner/driver of the bike. The benefit under the PA cover is paid in case of death or permanent and total disablement of the owner/driver in an accident.

tickNo-claim Bonus Discount

If you do not claim your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.

tickDifferent coverage terms

You can opt for a comprehensive coverage on your bike for different tenures. Kotak offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.

tickThird-party death or injury & Property Damage

Third-party two-wheeler insurance offers coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicle Act in an accident in which your bike or scooter was involved.

tickOnline availability

You can buy third-party liability insurance online instantly within seconds and with zero paperwork. The process is pretty simple and quick.

tickPremiums determined by IRDAI

As third-party liability policy is mandatory under law, the premiums of third-party liability insurance are determined and revised from time to time by the Insurance Regulatory and Development Authority of India (IRDAI). IRDAI determines the premiums of third-party liability insurance based on the cubic capacity of the bike.

tickPersonal Accident Cover

Personal Accident cover can be brought as an optional cover with third-party two-wheeler insurance. PA cover is available up to Rs.15 lakhs in case of accidental death or disablement suffered by the owner driver.

tickOwn-Damage Cover

Own-damage insurance covers all the losses and damages caused to your bike or scooter be it due to an accident, natural disaster, man-made disaster, theft, etc. It compensates even if your bike or scooter is destroyed in a fire or any other disaster.

tickOptional Add-ons

Kotak General Insurance offers optional add-ons to be brought with own-damage two-wheeler insurance by paying an additional premium. Optional add-ons help you to make your plan comprehensive and customise it as per your needs.

tickNo claim bonus

Earn no claim bonus after each claim-free policy year. This bonus allows you to claim a discount in renewal premiums and make the policy more affordable.

tickPremium discounts

You can enjoy premium discounts on your own-damage insurance premium. You can get a voluntary deductible or install an anti-theft device to avail discounts on own-damage two-wheeler insurance premiums.

tickCashless claims

Kotak General Insurance offers cashless settlement of claims. You can simply take your bike or scooter to the nearest network garage for repair and the insurance company would take care of all the repair expenses and bear all the costs associated with it. Know more about the surprising things covered by motor insurance.

tickThird-party injury, death or property damage

Comprehensive two-wheeler insurance provides all round protection against all legal liabilities arising to the third party in an accident involving your bike or scooter. Moreover, coverage is also granted for third party property damage.

tickOwn-damages

Comprehensive Two-wheeler insurance covers damages caused to your bike or scooter which is otherwise not available in a third-party liability-only insurance policy.

tickTheft

You can also file a claim under the comprehensive policy if your bike or scooter is stolen and a lump sum benefit would be paid to help you buy a new bike or scooter.

tickPersonal Accident Cover

Comprehensive Two-wheeler insurance also offers personal accident cover of up to 15 lakhs for the owner/driver of the bike. The benefit under the PA cover is paid in case of death or permanent and total disablement of the owner/driver in an accident.

tickNo-claim Bonus Discount

If you do not claim your comprehensive bike insurance policy for one year or more, you can claim an NCB discount on your renewal premium of up to 50% depending on the number of claim-free years.

tickDifferent coverage terms

You can opt for a comprehensive coverage on your bike for different tenures. Kotak offers annual as well as long-term comprehensive plans and you can choose a coverage duration based on your needs.

Don't overspend on bike insurance

Compare plans with us

Premium FeaturesComprehensive Plan

discountGrab additional discounts upto 22.5% on credit score

Own Damage Plan
Bike damage due to natural disasters

Bike damage due to natural disasters

IncludedIncluded
Bike damage due to man-made calamities eg: riots

Bike damage due to man-made calamities eg: riots

IncludedIncluded
Bike damage due to fire

Bike damage due to fire

IncludedIncluded
Damage to third party vehicle

Damage to third party vehicle

IncludedNot Included
Damage to third party property

Damage to third party property

IncludedNot Included
Third party’s death or injury

Third party’s death or injury

IncludedNot Included
Theft coverage

Theft coverage

IncludedIncluded
Personal accident cover

Personal accident cover

IncludedNot Included
Zero Depreciation cover add-on inbuilt

Zero Depreciation cover add-on inbuilt

IncludedNot Included
Extra coverage with optional add-ons

Extra coverage with optional add-ons

IncludedIncluded
No claim bonus up to 50%

No claim bonus up to 50%

IncludedIncluded
Cashless repairs

Cashless repairs

IncludedIncluded
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Supreme Offerings

Awesome covers,added security awaits you

Amazing thingsAwait in your policy

Cause awesomeness has no ending

Fire

Don’t let fire damage to your bike ruin your life. Stay protected against any loss and get compensated for damages caused by fire.

Natural disasters

When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.

Third party damage

We’ll cover you for all third-party damages caused due to a road accident or any other mishap involving your two-wheeler. You are protected against accidents and mishaps on the road.

Personal accident

Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.

Theft

You should never have to worry about anything when it comes to protection from theft. Because two-wheelers are easy targets for thieves, we'll cover it all for your bike.

Man-made calamities

We safeguard your vehicle against all man-made disasters such as theft, burglary, strikes and riots. We keep your vehicle safe & protected always.

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Wear, tear & general aging of vehicle

Does not cover any damages due to normal wear and tear and general aging of the vehicle

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Depreciation or consequential losses

Coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).

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Vehicle used otherwise

Does not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.

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Mechanical/Electrical breakdown

Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.

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Any contractual liability

You are not covered under our insurance policy for any contractual liability if you are found to be responsible for the damages.

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Influence of drugs or liquor

Does not cover damage to/by a person who is driving under the influence of drugs or alcohol.

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Vehicle without valid license

Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.

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Nuclear risk or war

Does not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service.

Bike insurance coverage

What is covered under bike insurance policy by Kotak

Bike insurance policy offered by Kotak protects your bike from contingencies and covers the following types of damages and losses:

tickThird-Party Cover

Bike insurance covers damages to the third-party property or injury sustained by a third party. It also includes coverage of legal liabilities that arise in the event of the death of any third party in an accident involving your vehicle.

tickAccidental damages

A bike insurance policy covers the damages sustained by your bike in an accident so that you can replace or repair the parts without bearing the brunch of financial losses. The repair costs are taken care of by a comprehensive bike insurance policy.

tickMan-made disasters

Damages caused due to man-made disasters such as strikes, riots, and terrorist activities are covered. If your two-wheeler is damaged due to these instances, the comprehensive policy will pay for the repairs.

tickNatural disasters

Damages caused to your bike or scooter due to natural-made disasters such as cyclones, floods, earthquakes, etc. are also included. Repair costs are covered under the scope of the policy.

tickFire

Bike insurance policy also includes all the disasters caused by fire such as lightning, self-ignition, fire explosion, etc.

tickTheft

In case of theft of the vehicle, a lump sum amount is paid as claim so that you do not suffer a major financial loss.

tickPersonal accident

Bike insurance policy also offers the personal accident cover for owner driver which covers accidental deaths and permanent total disability. If the owner or driver of the two-wheeler suffers either of these contingencies, a lump sum amount, up to Rs.15 lakhs, is paid.

tickTotal loss

If your bike is damaged beyond repairs, it is called a total loss. In such cases, the comprehensive two-wheeler policy pays the Insured Declared Value of the policy as claim so that you can deal with the financial loss suffered.

Add–ons available with bike insurance policy by Kotak

Customize your coverage with our amazing add-ons - they're like bonus features for your bike protection!addons

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Depreciation Cover

Zero depreciation is an add-on cover in which the claim amount is paid by the insurance company without considering the factor of depreciation of your bike or scooter

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Return to Invoice

Return to invoice add-on pays the difference between the invoice value of your bike or scooter and its insured declared value in the event of total loss or theft.

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Consumables Cover

Consumable covers include the cost of consumables such as bolts, screws, nuts, lubricants, etc needed in the repair of your bike or scooter

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Engine Protect

Engine protect add-on covers the damages caused to the engine of your bike or scooter due to water logging or water spillage and pays for replacement or repair of the engine of the insured vehicle.

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Garage Cash

Garage Cash add-on pays a daily allowance to enable you to meet your daily conveyance cost through hired transport during the period when you bike is under repair.

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Personal Accident Cover

PA cover is an optional add-on benefit of up to 15 lacs for death or total and permanent disablement due to an accident. The cover is available only for owner/driver of the bike/scooter. The cover is mandatory unless you have an existing PA cover with a minimum sum insured of Rs.15 lakhs.

Why choose Kotak for online bike insurance

Experience seamless protection and security with uswhy-choose-kgi

You and Kotak bike Secure have the mutual goal of keeping your bike safe and sound. Under any unforeseen circumstances, Kotak bike insurance provides all-around protection. With Kotak bike Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Kotak’s cashless garage network across India.

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Time Saving Bike Policy

No need to spend hours in buying a bike insurance policy for your bike. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your bike and take it for a spin without worrying about potential financial losses.

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Money Saving Bike Policy

Kotak bike insurance comes at affordable premiums starting as low as Rs.2094. So, insure your bike without burning a hole in your pockets with Kotak Bike Insurance plans.

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Effort Saving Bike Policy

At Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

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Instant discounts on Bike Policy

Kotak offers bike insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.

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24x7 Customer care support for bike policy

Need help in buying, renewing or making a claim on your bike insurance policy? Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.

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Trusted and reliable bike policy

At Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

Key benefits of buying bike insurance online

Kotak General Insurance offers different types of bike insurance plansaddons

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Quick & hassle-free

Buying a new bike insurance policy or renewing the old two-wheeler insurance; one by doing it online is quick & hassle-free. You would have to answer a few queries about you and your vehicle, and you will be ready to buy new insurance within a few clicks.

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Instant quote & issuance of policy

You get an instant bike insurance premium quote by clicking on the get quote feature on the website for your vehicle insurance. Due to the digitized buying and renewing process, policy issuance takes place immediately.

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Paperless procedure

Buying a bike insurance policy online helps you avoid the tedious paperwork you go through. You can also download and store the document with a few clicks. The paperless procedure also saves time by eliminating the need to organize documents physically.

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Transparent process

The whole buying and renewing of the bike policy online are so transparent that you always have all the details to make an informed buying decision.

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Easy and quick renewal

You can renew your bike insurance policy in the comfort of your home. Enter the last policy details and renew your plan instantly within a few clicks.

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Checking the credibility of the insurer is easy.

Online research for insurance providers, whether for car or bike coverage, is simpler than offline. Prior to purchasing, explore the company's website for details like Incurred Claim Ratio (car) or Claim Settlement Ratio (bike), claim filing process, and resolution time. Additionally, read reviews from current or former customers for a clearer understanding.

Steps to buy bike insurance online from Kotak

Hassle-free insurance at your fingertips with our easy and fast online processdesc

Get all-round protection for your precious two wheeler in a few steps. We at Kotak General Insurance understand the value of your time and have simplified the bike & scooter insurance buying process to a few simple steps.

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Click on the "Get A Quick Quote" button on Bike Insurance page.

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Fill in your vehicle details such as registration number, model, make etc.

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Check quote, fill in your personal details and make the payment online.

How to get an online quote for bike insurance

See how simple it is to get a bike insurance quote with usdesc

quote
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Visit kotak general insurance website

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Log in to your Kotak general insurance profile using the OTP sent to your mobile number

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Fill in your details such as bike registration number, mobile number and email id (optional).

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Click on the "Get A Quick Quote" button on the Kotak Bike Insurance Page and review coverage

How to choose Bike insurance for a new bike

Know the essential factors to consider when choosing two-wheeler insurance for a new bikehow-to-choose

Bought a new bike or scooter and looking for a suitable two-wheeler insurance on it?

Here are some tips to select a suitable two-wheeler insurance for your bike:

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Select a suitable Insured Declared Value

Insured Declared Value of your bike or scooter is the maximum amount of cover that is paid or covered by the insurance company in the event of total loss or theft. Hence, its recommended to select a higher IDV at the time of buying the policy to get higher claim pay-outs.

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Opt for a comprehensive policy

A comprehensive plan offers a wider scope of coverage and pays for the expensive repair costs and theft too. So, while a third-party policy is mandatory, you should opt for a comprehensive plan as the new two-wheeler insurance for maximum protection.

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Add-ons

Consider buying add-ons to enhance the coverage of your new bike insurance policy to extend the scope of your bike insurance policy so that you don’t have to worry about out-of-pocket expenses.

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Look for cashless garages

Cashless garages allow easy cashless claims. So, check the network of cashless garages for a hassle-free claim experience.

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Claim the available discounts

Comprehensive two-wheeler insurance plans allow premium discounts so that your policy becomes affordable. Claim the available discounts to minimize your premium outgo.

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Check the Claim settlement ratio of the insurer

The ratio denotes the proportion of claims that the insurance company settled v/s the total claims made in it. Check the CSR of the insurer and choose a company that has a high ratio.

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How to buy insurance for a new bike

We'll walk you through buying insurance for your new bikedesc

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Click on the "Get a Bike Insurance Quote" button on the Kotak Bike Insurance Page

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Fill in the required details such as registration number, model, make, etc.

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Fill in the required details such as registration number, model, make, etc

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Kotak Bike Insurance Reviews & Ratings

Look what they have to say

Kotak Bike Insurance Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Bike Insurance

Timely and hassle-free experience

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Bike Insurance

The cashless claim was seamless and was a overall very good customer experience

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Bike Insurance

Timely and hassle-free experience

How is Bike Insurance premium calculated

Let's talk about how bike insurance premiums are calculatedhow-to-choose

How is Bike Insurance premium calculated?

When buying a bike insurance policy, most of you wonder how much premium would you have to pay for the coverage. This is where the two-wheeler insurance premium calculator comes into the picture.

A bike insurance calculator is an online tool that helps you ascertain the exact premium of your two-wheeler insurance policy. The calculator takes into account the factors affecting your two wheeler insurance premium and then works out the premium that you have to pay.
Kotak offers an instant and simple bike insurance calculator using which you can calculate your premium. Here’s how to use the calculator –

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Visit https://www.kotakgeneral.com/ and choose ‘Bike Insurance’

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The bike insurance page will open wherein you can click on ‘Get a Quick Quote’

To get the quote, you will have to enter the details of your bike and the coverage that you seek. The calculator uses these details to calculate the premium. Here’s how the bike insurance calculator uses your details and how it calculates the premium –

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Make, model and variant of the bike

These factors determine the market value of the bike which determines the coverage level.

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IDV selected

You can choose your IDV which is the maximum coverage that you can avail of. Based on this coverage the premium is calculated.

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Type of policy

These factors determine the market value of the bike which determines the coverage level.

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Add-ons selected

The add-ons add to the premium component and increase the total outgo

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Registration date

This determines the age of the bike to calculate its depreciated value

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Registration location

Premiums are classified based on the city where the bike is registered

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Existing No Claim Bonus, if any

If you are renewing your bike insurance policy and have accumulated a no claim bonus by making no claims, you can use the bonus and claim a premium discount

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Other available discounts

When choosing the comprehensive bike insurance policy, you can avail of different types of premium discounts. These discounts can be claimed to reduce the premium outgo

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Claim history

Claim history helps the bike insurance calculator assess the no claim bonus that you are eligible for and calculate the premium accordingly

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Lapse history

If you are renewing a lapsed bike insurance policy, the premium might be higher. The calculator takes into consideration the lapsed coverage when calculating the premium

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The policy term

Depending on the term of the policy, the bike insurance calculator would show the premium.

Thus, the premium is calculated using the above factors and you can check the required outgo for the bike insurance policy. You can also make changes to the coverage details, like the add-ons selected or the term of the policy, and the bike insurance calculator would show the updated premium. Once you find the premium, you can proceed to buy the bike insurance policy online in a few simple steps.

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Factors affecting two-wheeler insurance premium

Understand the key factors that affect your two-wheeler insurance premiumsfactors

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Make and model of the bike

The make and model of the bike determines its market value. This market value is used to calculate the coverage level of the bike. Premium bikes have higher market values and so their premiums are also high compared to entry-level or cost-effective bikes.

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Fuel variant

Bikes are either offered in petrol variant or electric variant. Electric bikes are costlier compared to fuel engines and so, the premiums for electric bikes are higher.

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Type of policy

Third-party coverage is the minimum required for your bike, mandated by law. Its premium, set by the Insurance and Regulatory Development Authority of India (IRDAI), is low and based on the bike's engine capacity. Comprehensive plans, covering both third-party and own damage, have varying premiums depending on the chosen policy, with third-party plans generally having lower premiums than comprehensive ones.

Tips to avoid actions that increase bike insurance cost

Learn some savy tips to avoid actions that raise your bike insurance costshow-to-choose

There are different ways to save bike insurance premium. Have a look at them –

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Choose a suitable policy when buying bike insurance. While a comprehensive plan makes sense for a new bike, you can opt for a third-party liability cover for a bike which is very old and is not used much.

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Kotak offers a range of add-ons for your bike insurance policy. Since each add-on comes at an additional premium, you should choose only those add-ons which are required.

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Always renew your policy on time since bike insurance premiums are lower for on-time renewals compared to lapsed policies.

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If you are renewing your policy, look for the accumulated no claim bonus that you have. Use this bonus and claim a discount on the own damage premium to bring down the cost.

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Besides the no claim discount, there are different other discounts that comprehensive bike insurance plans offer. These discounts can also lower your bike insurance premium and help you save. For instance, installing safety devices, being a member of AAI,

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Kotak offers long-term bike insurance plans. These plans not only cut down the hassles of annual renewals but they also prove cost-effective. So, opt for long-term plans and save bike insurance premium. Get effective tips to reduce bike insurance premium.

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Advantages of renewing bike insurance online

Here's why online bike insurance renewal is a win for youfactors

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Easy and hassle-free

The online mode allows an easy process to renew bike insurance. You can take some simple steps and renew the coverage easily. You can simply visit the company website and renew the coverage at your convenience.

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Instant coverage

Renew your bike insurance online for instant coverage, avoiding lapses, especially near the due date. Receive the renewed policy via email, download the digital copy, and use it as proof while riding.

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Transparent renewals

Online bike insurance renewals are completely transparent. You can check the premium components and know the exact coverage that you are getting from the policy. This helps in minimizing chances of frauds or mis-selling and you get the coverage that you pay for.

Steps to renew bike insurance policy online from Kotak

Follow these quick steps to renew your bike insurance policy and keep your bike protected alwaysdesc

On-time renewals are beneficial and Kotak allows you the easy process of renewing your bike insurance policy online.

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Visit https://www.kotakgeneral.com/renewal and select the type of two-wheeler insurance policy which is due for renewal. For example, if you want to renew a comprehensive two-wheeler insurance policy, then select comprehensive two-wheeler insurance.

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Then, fill in your two-wheeler insurance policy number, registration number, chassis number and your mobile number. Now, click on ‘Submit’

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The insurance company would then validate your two-wheeler policy number and show the details of your policy on the screen after verification.

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Check the details of your policy, choose add-ons if you want to buy any and review the premium of your plan.

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Pay the premium and your policy would be renewed instantly with a confirmation on your registered email Id and mobile number. You can pay the premium online through any digital payment mode like credit or debit cards, mobile wallets, net banking UPI, etc.

How to claim Two-Wheeler Insurance online at Kotak

Filing a claim has never been this easy – we made sure of itdesc

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

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The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

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Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

step

An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

step

The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

step

Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

List of documents required for filing a bike insurance claim

Get familiar with the documents needed for speedy claim processhow-to-choose

Documents required for bike insurance claim

To raise a bike insurance claim under different situations mentioned above, you will require the following documents.

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Registration Certificate (RC) Copy

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Policy Copy

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Policy holder's valid ID proof

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Drivers Driving license

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FIR Copy (In case of theft and TP claim)

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Duly filled Claim form

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Any further requirements will be conveyed basis inspection

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How to save on bike insurance premium

Check out the KYC documents required for your bike insurance purchasewhy-car-insurance

There are different ways to save bike insurance premium. Have a look at them

Choose a suitable policy

Choose a suitable policy when buying bike insurance. While a comprehensive plan makes sense for a new bike, you can opt for a third-party liability cover for a bike which is very old and is not used much.

Choose only the required add-ons

You may need to provide proof of your residential address. Accepted documents may include utility bills (electricity, water, gas), bank statements or a rental agreement.

Renew on time

Always renew your policy on time since bike insurance premiums are lower for on-time renewals compared to lapsed policies.

Claim no claim bonus

If you are renewing your policy, look for the accumulated no claim bonus that you have. Use this bonus and claim a discount on the own damage premium to bring down the cost.

Look for discounts

Comprehensive bike insurance plans offer discounts like installing safety devices, AAI membership, and choosing a voluntary deductible to reduce your premium.

Buy a long-term policy

Choose Kotak's long-term bike insurance for hassle-free and cost-effective coverage. Opting for these plans eliminates annual renewals and helps you save on bike insurance premiums.

Steps to download physical copy of Bike Insurance Policy

Here is your step-by-step guide to access your policy copydesc

After you buy a policy online, the soft copy of the bike insurance policy is instantly issued and sent to the registered email ID. Thereafter, the physical copy of the bike insurance policy is sent through mail within a few days. If you are unable to find the soft copy of bike insurance policy in your email or if you have misplaced the physical copy, you can download the policy online

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Visit our website www.kotakgeneral.com

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Click on ‘Download Policy Copy’ under Login button on top right-hand corner

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Enter the policy number, registered mobile number or the registered email ID and click on ‘Get OTP’

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An OTP would be sent to your registered mobile number and email ID. Enter the OTP in the required field and submit

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The policy copy would be available for download. You can download it on your system and save it for future use

Kotak General Insurance cashless network garages

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertaintywhy-car-insurance

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Kotak General Insurance without the need for upfront payment.

Bike Insurance glossary

There's always more to know about bike Insurancefactors

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Two Wheeler Insurance Premium

The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy

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IDV in Two Wheeler Insurance

The IDV is the maximum coverage amount set by the insurer for a vehicle, based on the manufacturer's price adjusted for depreciation. In case of total loss, it represents the compensation to the policyholder.

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Coverage in Two Wheeler Insurance

Coverage is the amount of risk that is covered for the policyholder through an insurance policy.

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RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsadditional

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

Bike insurance for your favorite brands

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Important Blogs about Bike Insurance

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Bike Insurance - Frequently Asked Questions

You can check your bike insurance status from PARIVAHAN e-service website of the road Transport and highways Ministry of two wheeler policies.

  • Open the official website Parivahan

  • Tap on know your vehicle details

  • Enter your vehicle number and enter the Captcha

  • Check on ‘Vahan Search’

  • You can view your policy here

  • Visit the official website of Regional Transport Office (RTO)

  • Enter your vehicle registration number

  • You will find all the details of your Bike insurance

  • You can also follow the same process and enter your registration number in the Parivahan Website to view your insurance policy details.

No Claim Bonus or NCB in bike insurance is a discount offered on the Own Damage portion of the premium amount by the insurance companies. Every two wheeler insurance policyholder is eligible for this advantage if there are no claims raised throughout the policy term.

To check the status of your two wheeler insurance policy,

visit https://www.kotakgeneral.com/customer-support/service-status

  • To get bike insurance for your new scooter, click on the link

  • Provide the Registration number

  • Enter Details of previous policy

  • Enter vehicle details such as Model & Variant, Registered place, and registered date

  • Provide your email address and Mobile no

  • And click to continue.

You can purchase any number of add-ons from the add-ons provided by the insurer for the specific type of two-wheeler insurance.

Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.

A two wheeler insurance policy can be of 3 types:

  • Third-party Liability Two Wheeler Insurance: This two wheeler insurance covers all third-party liability for damages to vehicle, property, or person.

  • Standalone Two Wheeler Insurance: This type of insurance covers any damage to your own bike or scooter. It covers repairs on damages caused due to accidents, natural calamities, and man-made calamities. It also provides coverage in case of a total loss due to theft or any unforeseen incident.

  • Comprehensive Two Wheeler Insurance: This type of two wheeler insurance includes two coverages in the same plan, i.e., Third Party Liability Insurance and Own damage insurance.

Visit the Bike insurance renewal page, select your insurance product. You will be redirected to online general insurance renewal page where you would need to fill the following details:

  • Policy number

  • Registration number

  • Mobile number

  • Chassis number

  • After entering the details click on submit and pay the required am

An IDV calculator in bike insurance helps to find out the current market value when you purchase a comprehensive plan. Using the online IDV calculator, you will get to know the approximate premium amount, as well as the sum assured offered by Kotak General Insurance in case of total loss.

To know your Claim amount, submit all your bills for reimbursement along with complete documentation. Intimate us at 800 266 4545 (8 a.m. - 8 p.m.) for the claim with policy number.

No, you cannot raise a claim if your two wheeler insurance has expired, as, at the time of the accident, the two wheeler insurance policy did not exist.

To make a claim for the theft of a two wheeler

  • File an FIR (first-hand information) to the nearest police station and keep a copy of the FIR.

  • Inform your insurer

  • Inform the RTO as it prevents unauthorized change of ownership of the bike

  • Produce all the necessary documents:

  • Copy of original FIR

  • Copy of driving license

  • Copy of vehicle’s registration certificate

  • Duly signed claim settlement form

  • RTO transfer papers

  • Letter to the RTO

  • After the policy gives the No traceable report, you can get reimbursement on your Two wheeler insurance policy.

The own-damage cover policy can be brought only if you have an existing valid third-party liability two-wheeler insurance for your scooter as mandatory under law. You cannot buy only the own-damage insurance two-wheeler for your scooter without fulfilling the legal mandate of third-party liability. You can either buy third-party liability insurance as a standalone cover before buying a standalone OD policy or buy a comprehensive policy to cover both.

Kotak General Insurance offers secured gateways to pay for bike insurance online. Simply visit the official website of the company, select the two-wheeler insurance policy, fill out the application form and pay the premium. You can pay the premiums of the policy online through various modes of online payment offered on the payment page.

Bike insurance offers comprehensive coverage at competitive premiums. The premium of the policy depends on various factors such as sum assured, bike make and mode, etc. You can compare various policies online, use your no-claim bonus, if any, opt for voluntary deductibles and anti-theft devices in your bike to reduce your premium and buy one at the lowest price.

Your policy does not cover the cost of following damages

  • Normal wear and tear of the two-wheeler

  • Ageing of the vehicle

  • Depreciation of the vehicle

  • Mechanical or electric breakdown of the vehicle

  • Loss or damage due to reasons other than mentioned in the policy documents

  • Using vehicles for purposes other than stated in the policy documents

  • Wear and tear of the consumables unless the vehicle is damaged at the same time

Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.

Third-party Liability Two Wheeler Insurance: This two wheeler insurance covers all third-party liability for damages to vehicle, property, or person.

It is simple and easy to renew two-wheeler insurance online; just follow the below steps:

  • Visit https://www.kotakgeneral.com/renewal

  • Select the Kotak Long Term Two-wheeler Secure (Comprehensive policy) / Kotak Long Term Two-wheeler Secure (Liability Only Policy)

  • Enter your Policy Number, Registration Number, Mobile Number, and Chassis Number

  • Click on “Submit”

Visit the Bike insurance renewal page, select your insurance product. You will be redirected to online general insurance renewal page where you would need to fill the following details:

  • Policy number

  • Registration number

  • Mobile number

  • Chassis number

  • After entering the details click on submit and pay the required amount

The bike insurance premium calculator helps you determine the premium amount for bike insurance offered by Kotak General Insurance. To use the online tool, you need to provide details of your bike such as make - model, registration date, and registration place. Once you add this information, you will be able to get the premium amount.

An IDV calculator in bike insurance helps to find out the current market value when you purchase a comprehensive plan. Using the online IDV calculator, you will get to know the approximate premium amount, as well as the sum assured offered by Kotak General Insurance in case of total loss.

To register for reimbursement, claim of at Kotak General Insurance, simply follow the below steps:

  • Get in touch with us at 18002664545 and provide the details of the incident and policy.

  • Submit all the bills along with the policy details.

  • Once approved, you will receive reimbursement within 7 days.

To know your Claim amount, submit all your bills for reimbursement along with complete documentation. Intimate us at 800 266 4545 (8 a.m. - 8 p.m.) for the claim with policy number.

No, you cannot raise a claim if your two wheeler insurance has expired, as, at the time of the accident, the two wheeler insurance policy did not exist.

To make a claim for the theft of a two wheeler

  • File an FIR (first-hand information) to the nearest police station and keep a copy of the FIR.

  • Inform your insurer

  • Inform the RTO as it prevents unauthorized change of ownership of the bike

  • Produce all the necessary documents:

  • Copy of original FIR

  • Copy of driving license

  • Copy of vehicle’s registration certificate

  • Duly signed claim settlement form

  • RTO transfer papers

  • Letter to the RTO

  • After the policy gives the No traceable report, you can get reimbursement on your Two wheeler insurance policy.

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