Zurich Kotak Two Wheeler Insurance

Zurich Kotak General Insurance (IRDAI Reg. No. 152) offers two wheeler insurance designed to protect your bike against accidents, theft, and third-party liabilities with a strong focus on reliability and service. You can quickly buy or renew your Kotak bike policy online using your vehicle registration number, making the process fast and paperless. The insurer combines global expertise from Zurich with local market understanding to deliver customisable coverage and efficient claims support.

Choosing the right Zurich Kotak two-wheeler insurance plan ensures your bike is financially protected against risks like accidents and theft while also meeting legal requirements. Zurich Kotak offers a range of long-term and flexible plans tailored to different riders' needs.

1. Long Term Two-Wheeler Secure (Comprehensive)

A multi-year comprehensive plan that covers both own damage and third-party liability, eliminating the need for yearly renewals.

• Covers accidents, theft, fire, natural and man-made calamities

• Offers coverage up to 5 years

• Ensures uninterrupted protection with stable premiums

• Eligible for No Claim Bonus (NCB) benefits

2. Long Term Two-Wheeler Secure – Liability Only

A basic plan focused only on third-party liabilities, suitable for meeting legal requirements at a lower cost.

• Covers third-party injury, death, and property damage

• Budget-friendly premium

• Does not cover damages to your own bike

3. Long Term Two-Wheeler Secure – Bundled Policy

Ideal for new bikes, this plan combines long-term third-party cover with short-term own damage protection.

• 5 years of third-party cover + 1 year own damage cover

• Single purchase ensures legal compliance

• Covers common risks like accidents, theft, and disasters

4. Long Term Two-Wheeler Secure – Liability Only (5 Years)

Designed to comply with regulations for new bikes requiring long-term third-party insurance.

• 5-year third-party liability coverage

• No annual renewal required

• Can be paired with standalone own damage policy for full protection

5. Two-Wheeler Protect – OD Only

A standalone own damage plan for those who already have third-party insurance.

• Covers damage due to accidents, theft, fire, and natural calamities

• Helps enhance existing coverage

• Does not include third-party liability cover

Zurich Kotak offers a focused set of add-ons that are designed to reduce claim deductions and provide stronger financial protection beyond a standard two-wheeler policy.

• Depreciation Cover:

Ensures no depreciation is deducted on replaced parts during a claim, helping you get the full repair value without bearing age-related costs.

• Return to Invoice:

In case of total loss or theft, this add-on pays the original invoice value of your bike rather than the depreciated IDV, minimising financial loss.

• Consumables Cover:

Covers expenses for items like engine oil, brake fluid, lubricants, nuts, and bolts, which are typically excluded from standard claims.

• Engine Protect:

Provides coverage for engine and gearbox damage due to water ingress, oil leakage, or related issues.

• Roadside Assistance (if opted):

Offers 24x7 support for emergencies such as breakdowns, towing, flat tyres, or battery issues.

• No Claim Bonus (NCB) Protection (if available):

Helps retain your accumulated NCB even after making a claim, ensuring continued premium savings.

These add-ons can be selected along with Zurich Kotak’s comprehensive or own-damage plans to create a more robust and tailored bike insurance policy.

Buying Zurich Kotak bike insurance through Coverfox is a quick, fully digital process that allows easy comparison and instant policy issuance.

• Enter your bike registration number on Coverfox to fetch vehicle details

• Compare Zurich Kotak plans with other insurers based on price and coverage

• Choose the preferred plan (comprehensive, third-party, or own damage)

• Customise your policy with add-ons like depreciation cover or engine protect

• Review premium, apply discounts (if applicable), and proceed to payment

• Complete secure online payment and receive the policy instantly via email/WhatsApp

Zurich Kotak bike insurance has over 5700+ network garages across India. At these network garages, you can avail the facility of cashless claims, where you can get your bike repaired without paying up front. The bill will be settled between the garage and Zurich Kotak company. To find these garages, head over to Zurich Kotak two-wheeler insurance website under the cashless garage section. Simply put in your location and you can see the list of garages around your area.

Zurich Kotak Bike Insurance Contact Details

For any queries related to bike insurance, claims, or policy servicing, you can reach Zurich Kotak General Insurance through the following official channels:

Customer Care (India):

• 1800 266 4545 (Toll-free)

• 022 69417220 (Chargeable)

International Helpline: +91 22 69417220 (8 AM to 8 PM IST)

WhatsApp Support: 7998879988

Email Support: care@zurichkotak.com

Website: www.zurichkotak.com

Registered & Corporate Office:

Unit No. 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway,
Goregaon (East), Mumbai – 400063, Maharashtra, India