Zurich Kotak Two-Wheeler Insurance - Complete Information

Only if you already have a current third-party liability insurance coverage for your bike may you purchase the two-wheeler protection-of-your-own-bike policy, which covers damage to your own bike. Losses brought on by theft or burglary are covered under the OD bike coverage. Own-damage bike insurance is a frequent name for this kind of policy. 

2. Liability-Only Long-Term Two-Wheeler Insurance

Only third-party liability is covered by this policy. The three-year validity period of this plan excludes coverage for damage to your personal bike. The term "third-party bike insurance coverage" refers to this.

3. Long-Term Security for Two-Wheelers

It covers any third-party claims and their property in addition to damage to your own bike, giving your two-wheeler total protection. You have the choice to improve your coverage with add-ons, and this insurance is good for three years. 

4. Long-Term, Secure Two-Wheeler Bundle

This policy offers the vehicle a combination of two separate coverages. Three years of third-party liability protection and one year of coverage for your own bike's damages are included. Notably, the package is made especially for brand-new motorcycles or scooters. 

5. Only Five Years of Long-Term Two-Wheeler Secure Liability

This five-year bike insurance policy focuses entirely on third-party liability. It covers any losses or harm that has been caused to other people's property. Additionally, this policy is limited to the new two-wheelers.

Zurich Kotak Two-Wheeler Insurance Policy Coverage 

Zurich Kotak two-wheeler insurance policy coverage contains Inclusions and Exclusions as follows: 

Inclusions

1. Harm or loss brought on by self-ignition, fire explosions, or lightning 

1. Protection against loss or damage brought on by home invasion, burglary, or theft 

1. Offers protection against disasters caused by humans such as strikes, violence, terrorism, etc. 

1. Offers protection against accidental damage. 

Exclusions

1. No compensation for normal wear and tear or aging-related depreciation 

1. No insurance coverage for collisions involving drivers affected by drugs, alcohol, or other intoxicants 

1. If the driver did not have a valid driver's license at the time of an accident, damages are not covered 

1. Unless the bike is also damaged, damage to the tires and tubes is not covered. 

Depreciation Based on the Age of Two-Wheeler

Depending up on the age of two-wheeler, you can look at the depreciation rates as follows: 

How to Buy or Renew Zurich Kotak Two-Wheeler Insurance Online 

To buy or renew Zurich Kotak two-wheeler insurance online, you must follow the steps given below: 

1. Go to the official Zurich Kotak General Insurance website

1. Click View Prices after entering your bike's registration number. Choose to purchase a new bike to continue if the registration number is unavailable 

1. After selecting your bike's model, city, variant, RTO, and other relevant details, click View Plans 

1. Choose the Zurich Kotak bike insurance plan that best suits your needs by looking through the list of options 

1. Choose their complete or third-party coverage 

1. Add-on coverage like engine protection, zero depreciation, roadside assistance, and others may be appropriate if you want further protection 

1. Finish the payment procedure, and the insurance document will be sent straight to the email address you have registered.

Documents Required to Raise Zurich Kotak Two-Wheeler Insurance Claim for Accident 

To raise Zurich Kotak two-wheeler insurance claim for accident, you must have to submit the following documents: 

1. Signed and completed claim form 

1. Original RC of vehicle 

1. Owners driving licence 

1. First two pages of insurance policy zerox 

1. MCR or FIR 

1. Initial estimate for repairs 

How to File a Zurich Kotak Two-Wheeler Insurance Claim for Accident 

To file a Zurich Kotak two-wheeler insurance claim, you must follow the steps given below: 

1. Inform your insurance company about the accident and complete the online claim form 

1. To determine the level of losses or damages to the insured vehicle, a surveyor will visit the location of the accident 

1. continue submitting the necessary documents 

1. When a cashless claim is made, the insurer pays the authorized network garage immediately to fix the damages. 

Features of Zurich Kotak Two-Wheeler Insurance Policy 

Here are some of the features of Zurich Kotak two-wheeler insurance policy as follows: 

1. All-around protection against any legal obligations incurred by a third party in an accident involving your bike or scooter is offered by comprehensive two-wheeler insurance. Also, third-party property damage is also covered 

1. Damages to your bike or scooter that are not covered by third-party liability-only insurance coverage are covered by comprehensive two-wheeler insurance 

1. If your bike or scooter is stolen, you can also make a claim under the comprehensive coverage, and you will get money to help you purchase a new one 

1. Additionally, comprehensive two-wheeler insurance provides up to 15 lakhs in personal accident coverage for the bike's owner or driver