Bike Insurance in Mumbai

Limit your speed, not your two-wheeler insurance

Get your Bike InsuredNOW

+91

Speed up your bike insurance renewalwith Kotak.
+91
image

Instant policy with zero paper-work

image

Quick and hassle-free claim process

image

4/5

We take your safety seriously

image

4200+

Cashless Garages

image

Jet-Speed

Claims

image

Upto 50%

No Claim Bonus

image

94%

Claim Settlement Ratio

image

24/7

Around The Clock Assistance

*The above data is till 1st May, 2024

Two Wheeler Insurance Policy in Mumbai

Popularly known as ‘Maximum City’, Mumbai is one of the most populous metropolitan cities in India. From Bollywood superstars and big industrialists to the common citizens, this “city of dreams” accommodates people from all walks of life and weaves their stories in the most extraordinary manner.

The city boasts brilliant tourist areas, lip-smacking delicacies, unique shopping bazaars, and a nightlife that is ineffable. All of this and more incites people from around the world to visit or reside here. As such, this immensely popular city sees a swarm of commuters through the day.

Some of the nearby regions that experience heavy footfall are Thane and Navi Mumbai. Thane acts as a junction that connects the neighboring suburbs, making it the busiest station in Mumbai. Navi Mumbai, on the other hand, is mainly occupied by various educational institutions, luxury hotels and restaurants.

Even with an excellent public transportation system in place, the fast-paced life in Mumbai has led to a surge in the ownership of two wheelers. Most individuals prefer the convenience of a hassle-free ride to flit from one place to the next. However, owning a two wheeler vehicle comes with the attached responsibility of taking insurance. While third party insurance is mandatory by law, it's safer to opt for a comprehensive 2 wheeler insurance policy. Buying bike insurance in India also serves the purpose of protecting your vehicle against unforeseen situations like accidents, natural calamities, and theft.

From uneven roads to the heavy traffic, there can be many roadblocks that make it difficult to ride safely in this city. Hence, two wheeler insurance /bike insurance in Mumbai is one of most essential investments you can make before you hit the road.

We at Kotak General Insurance, strive to deliver a comprehensive and affordable policy that meets all your needs. Further included in the policy is the all-important cashless service.

image

Key features of Two Wheeler Insurance from Kotak

Discover the exciting bike Insurance Features that go the extra mile for your safetyimage

image

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.

image

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.

image

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 Supportimage

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.
image

Hi there, how can we help you?

I wanna know about my premium

Cashless Garages in Mumbai

In Mumbai or Navi Mumbai or Thane, to seamlessly assist you with our cashless services, we have a wide network of cashless garages strewn across the city. You can get your vehicle repaired at any our network centres without having to pay any cash upfront. To know more, see the full list of cashless garages below.

Benefits of Kotak General Insurance

As a company, we believe in providing the best policy to our customers. Along with comprehensive cover on your two wheeler, here are some of the other benefits you’ll enjoy:

  • Damage protection against man-made and natural calamities

  • Third party liability

  • Personal accident and passenger cover

  • Add-ons such as zero depreciation cover, medical cover, etc.

  • No Claim Bonus

So, if you are planning to invest in a two wheeler insurance premium in Mumbai, look no further than Kotak. Get a quick quote from us, and you’ll be ready to hit the mean streets of Mumbai!

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!image

image

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

image

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.

image

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

image

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.

image

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.

image

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.

Steps to buy bike insurance online from Kotak

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

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.

image

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

image

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

image

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

image
Policy Wording
Download Nowimage

Cut the wait time

We process your claim @ Jet-speedimage
image

Intimate Claim

image

Quick Verification

image

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.

imageimageimageimage
image
Bike Insurance

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

image
Bike Insurance

Timely and hassle-free experience

image
Bike Insurance

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

Steps to renew bike insurance policy online from Kotak

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

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

image
image

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.

image

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

image

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

image

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

image

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 itimage

image
image

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

image

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

image

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.

image

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.

image

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

image

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

image
image

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

image

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

image

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.

image

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.

image

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

image

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 processimage

Documents required for bike insurance claim

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

image

Registration Certificate (RC) Copy

image

Policy Copy

image

Policy holder's valid ID proof

image

Drivers Driving license

image

FIR Copy (In case of theft and TP claim)

image

Duly filled Claim form

image

Any further requirements will be conveyed basis inspection

image

Steps to download physical copy of Bike Insurance Policy

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

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

image

Visit our website www.kotakgeneral.com

image

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

image

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

image

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

image

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 uncertaintyimage

Buying a two-wheeler 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 Insuranceimage

image

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

image

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.

image

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

  • image

    Bike Insurance

    Important Traffic Rules To Follow To Ensure Safety While Driving

    Learn moreimage
  • image

    Bike Insurance

    3 Ways to Check Expiry Date of Your Bike Insurance Policy

    Learn moreimage
  • image

    Bike Insurance

    Road safety and the harms of drink and drive

    Learn moreimage

RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsimage

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 brandsimage

Important Blogs about Bike Insurance

Your bike deserves the best insuranceimage

imageimage
image

"Always by your side. Keeping you safe"