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.
| Key Feature | Details |
|---|---|
| Cashless Garages | 5700+ garages across India |
| Claim Settlement | Jet-speed claims process |
| No Claim Bonus | Up to 50% discount |
| Assistance | 24x7 roadside and customer support |
| AAI Discount | Extra discount for Automobile Association of India members |
| Coverage Options | Comprehensive, third-party, and OD-only plans |
| Long-Term Plans | Coverage available up to 5 years |
| Add-ons | Multiple add-ons for enhanced protection |
Disclaimer: The above mentioned prices are for a 2 year old Hero Honda Karizma R 223 CC, registered in Navi Mumbai & previous policy has expired.
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.
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
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
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
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
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.
Ensures no depreciation is deducted on replaced parts during a claim, helping you get the full repair value without bearing age-related costs.
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.
Covers expenses for items like engine oil, brake fluid, lubricants, nuts, and bolts, which are typically excluded from standard claims.
Provides coverage for engine and gearbox damage due to water ingress, oil leakage, or related issues.
Offers 24x7 support for emergencies such as breakdowns, towing, flat tyres, or battery issues.
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
Zurich Kotak bike insurance is a two-wheeler insurance policy that provides financial protection against accidents, theft, natural calamities, and third-party liabilities. It is offered as part of the company’s general insurance portfolio with multiple plan options.
Coverage typically includes own damage (accidents, fire, theft, natural and man-made events) and third-party liability (injury, death, or property damage). Comprehensive plans combine both, while OD-only and liability-only plans cover specific risks.
Common exclusions include normal wear and tear, mechanical or electrical breakdown (unless covered by add-ons), riding without a valid licence, driving under the influence of alcohol, and damages outside policy terms.
Claims can be registered instantly online through the insurer’s website or customer support channels, making the process quick and hassle-free.
Key benefits include a large network of 5700+ cashless garages, jet-speed claim processing, long-term policy options, and the backing of global insurer Zurich with local expertise.
You can reduce premiums by maintaining a No Claim Bonus (up to 50%), opting for long-term policies, choosing a suitable IDV, and availing discounts such as those for Automobile Association of India (AAI) members.
Add-ons include depreciation cover, return to invoice, consumables cover, engine protect, and optional roadside assistance to enhance overall coverage.
Yes, renewal can be completed online in a few steps using your policy or vehicle registration number, with instant policy issuance and minimal documentation at Coverfox.
Zurich Kotak offers a streamlined claim process supported by a wide garage network and quick turnaround, making it a reliable option for accident-related claims.
You can download your policy from the official website by logging in with your policy details or through Coverfox.
Claim timelines depend on the nature of the damage and documentation, but Zurich Kotak focuses on fast processing (“jet-speed” claims) once all required documents are submitted.
