Two Wheeler Insurance
Limit your speed, not your bike insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
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3000+
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Upto 50%
No Claim Bonus
97%
Claim Settlement Ratio
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| Premium Features | Comprehensive Plan
| Own Damage Plan |
 Bike damage due to natural disasters |  | |
 Bike damage due to man-made calamities eg: riots | | |
 Bike damage due to fire | | |
 Damage to third party vehicle | |  |
 Damage to third party property | | |
 Third party’s death or injury | | |
 Theft coverage | | |
 Personal accident cover | | |
 Extra coverage with optional add-ons | | |
 No claim bonus up to 50% | | |
 Cashless repairs | | |
| Get Quote | Get Quote |
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Awesome covers,added security awaits you
Amazing thingsAwait in your policy
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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.
Wear, tear & general aging of vehicle
We do not cover any damages due to normal wear and tear and general aging of the vehicle
Depreciation or consequential losses
Our coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).
Vehicle used otherwise
We do not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.
Mechanical/Electrical breakdown
Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.
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.
Influence of drugs or liquor
We do not cover damage to/by a person who is driving under the influence of drugs or alcohol.
Generous Benefits
We say,
Why settle for less!
Secure the depreciation value of your two-wheeler in case of parts replaced on account of damage to the insured vehicle and/or to its accessories.
Generous Benefits
We say,
Why settle for less! 
Secure the depreciation value of your two-wheeler in case of parts replaced on account of damage to the insured vehicle and/or to its accessories.
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All about Two Wheeler Insurance
So stay informed about bike insurance
Kotak Two Wheeler Insurance
Two wheeler insurance covers bike & scooter losses or damages caused by natural calamities, accidents, theft, etc. In addition, Kotak's bike and scooter policy covers the vehicle owner against third-party liability claims.
This two wheeler insurance policy is financial protection for the bike or scooter owner in case of any mishap that leads to partial or total loss of the vehicle. As per Motor Vehicles Act 1988, having third-party insurance is compulsory for all two wheeler owners. The third-party insurance covers any damages to the third-party vehicle/ property or the person. While third-party insurance is mandatory, having your own damage insurance is also necessary. Own damage two wheeler insurance covers losses caused by accidents, manmade calamities like vandalism, theft, riots, etc., or natural calamities like earthquakes, storms, fire, etc.
Both these types of insurance are clubbed into a single insurance policy known as comprehensive two wheeler insurance policy. A comprehensive two wheeler insurance policy protects the insured against any third-party liabilities, i.e., third-party property or third-party person, as well as provides own damage cover. It protects the bike & scooter against natural disasters, accidents, theft, man-made calamities, and other similar incidents. Kotak long term two wheeler secure, a comprehensive two wheeler insurance policy provides coverage for third party liability and own damage insurance along with personal accident cover if insured has opted for compulsory personal accident cover as well. A personal accident cover protects policyholder if s/he suffers bodily injuries due to an accident while riding the two wheeler.
Types of Two Wheeler Insurance by Kotak
At Kotak General Insurance, we offer three types of two wheeler insurance for Bike & Scooter these include:
Kotak Long Term Two wheeler Secure (Comprehensive policy):
This bike & scooter policy provides comprehensive coverage for you and your bike and covers third-party claims. In the case of the new bike, Kotak Long Term Two Wheeler Secure – Bundled policy needs to be opted. As a two wheeler policyholder, you can also enhance the policy with add-ons/riders.
Kotak Long Term Two wheeler Secure (Liability Only Policy):
This mandatory policy covers third-party liabilities, including damages to third-party property and injuries to or death of a third party. If the bike is new, Kotak Long Term Two Wheeler Secure (Liability Only) - 5 years policy should be chosen.
Kotak Two Wheeler Protect (OD Only Policy):
Under this policy, the insured receives protection for their insured bike & scooter against any losses or damages incurred due to an accident or mishap. This policy is valid for one year only.
Note: As per Supreme Court directive, insurance for new two wheelers will have a mandatory 5-year third party insurance cover. Please call on 1800 266 4545 for more details.
Steps to Buy/Renew Kotak Bike Insurance Online:
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 1: Click on the "Get a Quote" button on the Kotak Two Wheeler Insurance Page.
STEP 2: Fill in your vehicle details such as registration number, model, make etc.
STEP 3:Fill in your personal details and make the payment online.
Important terms related to Two Wheeler Insurance
Two Wheeler Insurance Premium
The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the two wheeler insurance policy
IDV in Two Wheeler Insurance
The Insured Declared Value (IDV) of a vehicle is the maximum Sum Insured fixed by the insurer at the beginning of each policy period for the insured vehicle. The IDV of the vehicle is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation. If the vehicle suffers total loss, the IDV is the compensation the insurer will provide to the policyholder.
Coverage in Two Wheeler Insurance
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
NCB -No Claim Bonus in Two Wheeler Insurance
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover in Two Wheeler Insurance
The Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the insurance company without factoring in depreciation value of the insured two wheeler
Own Damage in Two Wheeler Insurance
Own Damage cover protects the insured two wheeler against the damages caused due to accidents, and man-made and natural calamities such riots, theft, fire, flood, etc.
Comprehensive Coverage in Two Wheeler Insurance
Comprehensive Two Wheeler insurance covers a bike & scooter against own and third-party damages. It provides financial help to the policyholder if the insured bike & scooter has sustained damages due to road accidents, natural disasters, artificial calamities, theft, fire, etc., along with third-party liabilities.
Deductibles in Two Wheeler Insurance
In two wheeler insurance, deductibles are a part of the claim amount you will pay from your pocket during claim settlement. The rest of the claim amount is paid by the insurance company. There are two types: voluntary and compulsory deductible. A compulsory deductible is an amount you must pay mandatorily whenever a claim is registered. On the other hand, a voluntary deductible is the part of the claim amount you willingly choose to pay at the time of claim settlement. You can also choose not to pay voluntary deductibles by opting for zero deductibles when buying a bike & scooter policy.
RTO - Regional Transport Office
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.
Key Features of Comprehensive Two Wheeler Insurance Policy offered by Kotak
Kotak Two wheeler insurance caters to your needs by providing top-notch features that give you benefits in multiple ways throughout your two wheeler insurance journey.
- Covers damages suffered to the insured bike by a third party's scooter or bike, their injuries, as well as their legal liability
- Covers vehicle damage resulting from accidents, fires, thefts, natural disasters, and man-made disasters
- Experience a hassle-free claims process with us and receive adequate compensation for the damages mentioned above
- Simple and fast online claim filing and settlement process
- Choose from multiple tenure - You can now choose a policy tenure of 1, 2 or 3 years for old bike. Choosing a longer tenure means additional discounts & hassle-free coverage without having to renew your policy every year
- No increase in the Third party premium for old scooter & bikes - For 2 and 3 year policies
- PA Cover for Owner/ Driver - The customer can opt for personal accident cover to secure your finances in case of death, permanent total disablement due to an accident
- No Claims Bonus - Enjoy attractive discounts based on your previous claims history
- Additional Discounts - If you’re an active member of a recognized Automobile Association of India (AAI), you can enjoy a n additional discount on your insurance premiums
Benefits of Kotak Two Wheeler Insurance
LOSS OR DAMAGE TO THE VEHICLE INSURED COVER
We cover your two wheeler in case of loss or damage caused by fire, explosion, self-ignition/lightning, natural calamities such as earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, etc.) or burglary, theft, riot, strike, malicious act, accidental external means, terrorist activity, damage in transit by road, rail, inland waterway, lift elevator or air.
LIABILITY TO THIRD PARTY
Protection against legal liability due to accident resulting in the permanent disability or death of a third-party person, and damage caused to the third party property.
PERSONAL ACCIDENT COVER FOR OWNER DRIVER
Coverage of ₹ 15 lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the Two Wheeler Insurance. Optional personal accident covers for co-passengers are also available.
Key Benefits of Buying Two Wheeler Insurance Online
Quick & Hassle-free
Buying a new policy or renewing the old 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.
Instant Quote & Issuance of Policy
You get an instant 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.
Paperless Procedure
Buying a 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.
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.
Easy and Quick Renewal
You can renew your policy in the comfort of your home. Enter the last policy details and renew your plan instantly within a few clicks.
Checking the credibility of the insurer is easy.
Online research into a bike & scooter insurance provider is more straightforward than offline research. Before buying an online two wheeler insurance policy, you can check the company's website to learn more about its Incurred Claim Ratio, claim filing process, and claim resolution time. To obtain a clearer picture, you can also read reviews left by current or former customers.
Why choose Kotak for Two Wheeler Insurance Online?
- You and Kotak Long Term Secure have the mutual goal of keeping your Bike & Scooter safe and sound. Under any unforeseen circumstances, Kotak provides all-around protection.
- With Kotak Long Term 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 3000+ cashless garage network across India
Claims Process of Two Wheeler Insurance by Kotak
Cashless Claim Process for Bike & Scooter Insurance
Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Step 2: Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
Step 3: 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 4: 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 5: The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Step 6: 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
Reimbursement Process for Bike & Scooter Insurance
Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Step 2: Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
Step 3: 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 4: 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 5: The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Step 6: 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
LIABILITY TO THIRD PARTY
Protection against legal liability due to accident resulting in the permanent disability or death of a third-party person, and damage caused to the third-party property.
PERSONAL ACCIDENT COVER FOR OWNER DRIVER
Coverage of ₹ 15 lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the Two Wheeler Insurance. Optional personal accident covers for co-passengers are also available.
List of documents required for filing a Two Wheeler Insurance claim
- Registration Certificate (RC) Copy
- Policy Copy
- Policy holder's valid ID proof
- Drivers Driving license
- FIR Copy (In case of theft and TP claim)
- Duly filled Claim form
- Any further requirements will be conveyed basis inspection
Waiting Period/ Exclusions of Two Wheeler Insurance Policy by Kotak
We at Kotak General Insurance believe in a transparent claims process. Here's a list of exclusions that are not covered under this Policy.
- Normal wear and tear and general ageing of the vehicle.
- Depreciation or any consequential loss
- Damage to/by a person driving any vehicles or cars without a valid license
- Damage to/by a person driving the vehicle under the influence of drugs or liquor
- Mechanical/electrical breakdown
- Loss/damage due to war, mutiny or nuclear risk
- Vehicles including cars being used otherwise than in accordance with limitations as to use
- Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement.
Frequently asked questions
The Insured's Declared Value (IDV) of the vehicle is the maximum sum assured fixed by the insurer at the beginning of each policy period for the insured vehicle. If the vehicle suffers damages beyond repair, the IDV is the compensation that the insurer will provide to the policyholder.
The IDV of the vehicle is calculated based on the manufacturer's listed selling price of the brand and model of the vehicle proposed for insurance at the commencement of insurance or renewal and is adjusted for depreciation (as per the schedule specified below). The IDV of the sidecar(s) and/or accessories, if any, fitted to the vehicle but not included in the manufacturer's listed selling price of the vehicle is also likely to be fixed.
| Age of the Vehicle | % Depreciation for Fixing IDV |
|---|---|
| Not exceeding 6 months | 5% |
| Exceeding 6 months but not exceeding 1 year | 15% |
| Exceeding 1 year but not exceeding 2 years | 20% |
| Exceeding 2 years but not exceeding 3 years | 30% |
| Exceeding 3 years but not exceeding 4 years | 40% |
| Exceeding 4 years but not exceeding 5 years | 50% |
An endorsement is written evidence of an agreed change in policy terms.
At Kotak General Insurance, you can avail the following types of insurance:
Car Insurance / Four Wheeler Insurance
Bike Insurance
Commercial insurance that includes Passenger Carrying Vehicle, Goods Carrying Vehicle
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
The benefits of buying two wheeler insurance online are:
It is easy and convenient.
It removes the hassle of physically visiting the office and can be done from the comfort of your home.
You can compare different two wheeler insurance plans offered by your insurer and customise the plans by adding riders that are needed making it cost-efficient.
You can also verify the credibility of the insurer and buy only from IRDAI registered companies.
Two wheeler insurance helps in providing financial coverage for your bike in case of any damage. Third-party two wheeler insurance provides coverage for third-party liability, thereby taking care of the legal formalities.
Comprehensive two wheeler insurance provides coverage for both standalone own damage insurance and third-party liability insurance. This type of two wheeler insurance policy offers enhanced coverage with more rider options but at a higher premium.
To save on your scooter insurance premium:
Avoid making small claims, as you will lose the No Claim Bonus (NCB). A single claim can lead to a loss of NCB.
Try selecting only those riders that are needed for your scooter.
Moreover, renew your scooter insurance plan before the expiry date to retain the benefit of NCB.
To get bike insurance for your new bike or 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.
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.
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 insurance and Own damage insurance.
It is simple and easy to renew two-wheeler insurance online; just follow the below steps:
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.
