Scooter & Scooty Insurance

Limit your speed, not your two-wheeler insurance

Get motor Insurance that fits your needs & budget!icon

Get your Bike InsuredNOW

+91

Kotak Bike Insurance Policy in 2 Minutes
Save time with instance insurance

Instant policy with zero paper-work

Quick and hassle-free claim process

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 Scooter Insurance?

A scooter insurance policy is one that covers the financial losses that you might suffer if you are involved in an emergency related to your vehicle. For instance, if your vehicle gets damaged in an accident, the scooty insurance policy will cover the cost of repairing your two-wheeler.

The Motor Vehicles Act, 1988 mandates the requirement of a scooty insurance policy on your beloved two-wheeler. So, whether you have a scooty or a scooter, invest in a two-wheeler insurance policy and secure your ride against unforeseen contingencies.

Key features of Two Wheeler Insurance from Kotak

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

icon

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.

icon

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.

icon

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.

Get Quick Support

Do you have any queries on Insurance?
I’m here to help.
Do you have any doubts after knowing your
premium? I'm here to help.
Customer Care Lady

Hi there, how can we help you?

I wanna know about my premium

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.

offers badge

Wear, tear & general aging of vehicle

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

offers badge

Depreciation or consequential losses

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

offers badge

Vehicle used otherwise

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

offers badge

Mechanical/Electrical breakdown

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

offers badge

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.

offers badge

Influence of drugs or liquor

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

Features of scooter insurance

Here are some of the salient features of an insurance policy for scooty or scooter in India –

  • While the third-party coverage is mandatory, the comprehensive plan is optional. However, a comprehensive plan can prove to be the best insurance for scooty.

  • If you buy a new vehicle, the new scooter insurance plan should have a third-party coverage of at least five years. The own damage cover, however, can be taken for a year.

  • Premiums for third-party scooter insurance plans are fixed by the Insurance Regulatory and Development Authority of India (IRDAI).

  • Long-term scooty insurance plans are available. These plans can be the best scooter insurance plans for continuous coverage without annual renewals.

  • Comprehensive plans allow optional coverage benefits in the form of add-ons.

Find the best scooty insurance plans with comprehensive coverage for your bike. Buy a 125cc scooter insurance plan online in a few clicks.

Scooter insurance price in India

The scooty insurance price depends on a lot of factors. Here’s a look at the factors and how they affect the scooter insurance cost –

Factors

Impact on the premium

Type of policy

Third-party plans are cheaper compared to comprehensive plans. The third party insurance price for scooty is fixed by the IRDAI and can change.

Engine capacity

The scooty insurance charge for third-party plans depend on the engine capacity. Higher the capacity, higher the premium.

Value of the scooter

The cost of the scooter affects the price. Higher the cost, higher the price

Tenure

The scooty insurance price for 1 year will be cheaper than the scooty insurance price for 5 years.

Registration date and location

Older vehicles have lower premiums than new ones. Moreover, scooters registered in metro cities have higher premiums compared to other cities.

Add-ons selected

If you choose optional add-ons, the premium will increase because add-ons come with additional premiums.

Insured Declared Value (IDV)

The IDV represents the scooter insurance amount or the coverage level. Higher IDVs incur higher premiums and vice-versa.

How to buy scooty insurance online?

Scooter insurance plans are available online and you can buy them with a few clicks of your computer or even your Smartphone. To buy scooty insurance, visit Kotak General Insurance and buy the most suitable plan for your beloved bike.

Simply enter the details of your bike like the registration number, make and model, registration date, type of policy you want and a few other information. Get the policy quotes and buy insurance for scooter within minutes. It is a simple and hassle-free process and your scooter gets insured instantly.

No lengthy documentation. Buy scooty insurance online and insure your ride.

Third-party scooter insurance premium

As mentioned earlier, the scooty insurance third-party price is determined by the IRDAI and is regularly reviewed. After the latest review, the third-party scooter insurance cost, effective from 1st June 2022, is as follows –

Engine capacity of the vehicle

One-year premium

Five-year premium

Up to 75 cc

Rs.538

Rs.2901

76 cc to 150 cc

Rs.714

Rs.3851

151 cc to 350 cc

Rs.1366

Rs.7365

More than 350 cc

Rs.2804

Rs.15,117

Note – The aforementioned cost of third-party insurance for scooty does not include GST. A GST of 18% will be added on the third party scooty insurance premium.

The online scooter insurance 3rd party premium might change as the IRDAI reviews the premiums annually. The premium might increase or decrease based on the review.

The premium is the bare minimum premium for covering your financial liability against third parties when using your scooter. Check out the premium vis-à-vis the engine capacity of your scooter and buy the policy.

Comprehensive scooter insurance premium

The premium for a comprehensive scooter insurance policy is higher compared to the third-party policy. The reason is simple. Comprehensive plans offer wider coverage; hence the premiums are higher. The premium for the comprehensive cover consists of the third-party premium and the own damage premium. Moreover, if you opt for add-ons, the premiums for the same are added to arrive at the final premium amount.

Scooty insurance for models

Whatever the model of your scooty or scooter, find a suitable insurance plan for it.

Kotak Scooter Insurance policy is available for the following brands –

Honda Activa

Ola S1

Suzuki Access 125

TVS NTORQ 125

Ather 450X

TVS Jupiter

Yamaha Aerox 155

Yamaha Fascino 125

Bajaj Chetak

Hero Vida V1

Hero Maestro Edge 125

Add–ons available for scooty insurance

Add oncover mean additional coverage features that you can add to your scooter insurance policy for a comprehensive protection. Here are the add-ons that you can get with Kotak scooter insurance plansaddons

addon

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

addon

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.

addon

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

addon

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.

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.

step

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

step

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

step

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

Policy Wording
Download Nowdownloadnow

Cut the wait time

We process your claim @ Jet-speed

Intimate Claim

Quick Verification

Instant Settlement

Know More

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.

arrowarrowarrowarrow
qoute
Bike Insurance

It was a smooth experience. Will surely recommend my friends for Kotak. Thank you it was a good experience.

qoute
Bike Insurance

Timely and hassle-free experience

qoute
Bike Insurance

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

Tips for choosing the right scooty insurance policy

Wonder not! Here are some tips on how to select the best scooty insurance policy for your vehiclehow-to-choose

quote

Opt for a comprehensive plan because it offers the widest scope of coverage.

quote

Choose suitable add-ons to enhance the coverage further and customise your policy.

quote

Look for a suitable Insured Declared Value so that you can get a higher claim payout in the case of total loss or theft.

quote

Look for premium discounts to make your premium more affordable.

quote

Opt for long-term scooter insurance plans so that you can enjoy continuous coverage without the hassle of annual renewals. Moreover, long-term plans also allow premium discounts.

quote

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.

quote
step

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.

step

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

step

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

step

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

step

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

quote
step

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

step

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

step

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

quote
step

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

step

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

step

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.

quote

Registration Certificate (RC) Copy

quote

Policy Copy

quote

Policy holder's valid ID proof

quote

Drivers Driving license

quote

FIR Copy (In case of theft and TP claim)

quote

Duly filled Claim form

quote

Any further requirements will be conveyed basis inspection

quote

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

step

Visit our website www.kotakgeneral.com

step

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

step

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

step

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

step

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

Bike Insurance glossary

There's always more to know about bike Insurancefactors

icon

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

icon

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.

icon

Coverage in Two Wheeler Insurance

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

Need Help? Head over to our learning centre

  • Bike Insurance

    Important Traffic Rules To Follow To Ensure Safety While Driving

    Learn morearrow
  • Bike Insurance

    3 Ways to Check Expiry Date of Your Bike Insurance Policy

    Learn morearrow
  • Bike Insurance

    Road safety and the harms of drink and drive

    Learn morearrow

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

We've got you covered with bike insurance for your favorite brandsadditional

Important Blogs about Bike Insurance

Your bike deserves the best insuranceadditional

Frequently Asked Questions about Scooty Insurance

Yes, under the provisions of the Motor Vehicles Act of 1988, every scooter in India should be insured under a valid third-party liability insurance policy. Besides being mandatory, the coverage also offers financial security in case of losses due to your scooter. So, scooters need insurance in India.

No, a comprehensive scooter insurance plan is not mandatory in India. The mandatory coverage is the third-party liability insurance policy. A comprehensive plan is recommended because it offers a wider scope of coverage. A comprehensive policy covers the third party's legal liability and also covers the theft or damage to your scooter.

The cost of a scooter insurance policy depends on multiple factors. These include the type of policy that you choose, the make and model of your scooter, registration date and location, add-ons selected, no claim bonus available, etc. These factors are taken into consideration, and then the insurance cost is determined.

A scooty insurance policy covers all scooters and scootys that you buy for personal use.

The right insurance company will be the one which fulfils the below-mentioned parameters –

a. It offers a comprehensive scope of coverage.

b. It offers a range of add-ons to choose from.

c. There are attractive premium discounts.

d. The premium rates are low,

e. The company has a wide network of cashless garages

f. The claim process is simple, quick and convenient

g. Kotak General Insurance fulfils all these criteria and can prove to be the right insurance company for your scooty.

If you buy a new scooter or scooty, you can buy third-party coverage for 5 years. Many companies also offer long-term plans that offer both third-party and own damage cover for 5 years. So, you can buy insurance for 5 years for new scooters or scootys.

Kotak General Insurance Logo

"Always by your side. Keeping you safe"