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​Kotak Comprehensive Two-Wheeler Insurance Policy

Kotak General Insurance is a fast-growing insurance company that has supported its policyholders during the risks of life. Kotak comprehensive bike insurance helps to cope up with the liabilities arising from accident, damage or theft of the insured’s bike. It takes care of the third party liabilities as well as the damage incurred by the insured’s bike. It provides financial security and peace of mind.

Kotak Comprehensive Bike Insurance vs Third Party Bike Insurance

Parameters

Comprehensive Bike Insurance

Third Party Bike Insurance

Coverage

It provides coverage for the financial liabilities to the “Third Party” as well as “Own Damage” of the insured’s bike.

Third party bike insurance policy provides coverage only for the third party liabilities incurred due to the insured’s bike.

Add-ons

Comprehensive bike insurance comes with a variety of add-on covers. The policyholders can choose add-ons as per his preference.

Third party insurance does not offer any add-on cover.

Cost

The comprehensive policy is relatively expensive as it provides extensive coverage to the policyholders.

The third party policy is cost-effective due to its limited coverage.

What All Is Covered Under Kotak Comprehensive Bike Insurance Plan?

Kotak comprehensive bike insurance provides coverage for the following aspects:

  • Third party liabilities: The insurer provides assistance to deal with financial and legal obligations towards the third party in case of any damage, loss or injury of the third party in a road mishap involving the insured’s bike. The insurer provides compensation which is decided as per a court of law.
  • Own damage caused by natural calamities: The insurer covers the damage of the insured’s bike caused due to any natural calamities such as flood, earthquake, landslide etc.
  • Own damage caused by man-made disasters: Any damage to the insured’s bike in man-made disasters such as riot, strike, fire, terrorist activities etc. is covered under Kotak comprehensive bike insurance.
  • Theft: The insurer covers theft or burglary of the insured’s bike.

What All Is Not Covered Under Kotak Comprehensive Bike Insurance?

Kotak comprehensive bike insurance policy does not provide coverage for the following.

  • Normal wear and tear
  • In case of willful negligence
  • Mechanical or electrical breakdown
  • Damage caused due to contractual liability
  • In case of absence of a valid licence while driving
  • Driving under the influence of alcohol or intoxicating drugs.
  • For any damage incurred during war, nuclear risk, mutiny rebellion or any such situation.

Benefits of Kotak Comprehensive Bike Insurance

Kotak comprehensive bike insurance provides several benefits to the policyholders which are discussed below:

  • Dedicated customer assistance
  • Quick and easy claim settlement process
  • Ease of purchase of policy through online portal
  • A wide range of add-on options ensuring extensive coverage
  • It provides repair and replacement service in the network garages spread all over India
  • The insurer takes care of third party liability and own damage expense on behalf of the policyholder.

Explore Kotak Bike Insurance

Must Read Articles before buying Kotak Bike Insurance

Kotak Bike Insurance User Reviews

4.8
Rating based on
446 User reviews
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What users are saying
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  • Zero-Dep, Maximum Satisfaction...

    Zero-dep Kotak Bike Insurance Policy from InsuranceDekho is all about maximum satisfaction. It ensured that I am fully satisfied with bike’smy KTM protection, no matter the circumstances.

    Read More

    M
    By Manish Tejeshwar
    On: November 22, 2023
  • Peace of Mind with Legal Cover...

    The Kotak Bike Insurance Policy with the third-party coverage offers peace of mind with legal coverage for my KTM bike. It's the right choice for anyone who wants to drive responsibly and ethically.

    Read More

    N
    By Nitish Kumar
    On: November 16, 2023
  • Peace of Mind on the Road

    Having access to InsuranceDekho's cashless garages gives me peace of mind whenever I'm on the road. I know I can rely on them for efficient repairs as my Vespa bike is insured with the Kotak Bike Insurance Policy.

    Read More

    P
    By Piyush Goel
    On: September 27, 2023
  • Value for Money

    At first, I was skeptical about the cost of Zero Dep insurance, but InsuranceDekho offered me several affordable options. The extra premium that I received from the Kotak Bike Insurance Policy is worth it, especially considering the full coverage it provides for my Ampere bike without accounting for depreciation. I've had a couple of claims, and I'm glad I had this policy in place.

    Read More

    A
    By Ankit Mahajan
    On: September 25, 2023
  • Responsive Customer Support fo...

    While buying a bike insurance policy for my Triumph bike, I had some questions while using InsuranceDekho's premium calculator, and their customer support was responsive and helpful in addressing my concerns finally I bought the Kotak Bike Insurance Policy and insured my bike.

    Read More

    A
    By Ashish Chaatpur
    On: September 21, 2023
  • Long-Term Benefits of Comprehe...

    I opted for long-term coverage for the Kotak Bike Insurance Policy with InsuranceDekho's comprehensive policy. It came with several benefits, including reduced paperwork and uninterrupted protection for my Vespa bike.

    Read More

    A
    By Anuj Verma
    On: September 14, 2023
  • Peace of Mind in Compliance

    Having InsuranceDekho's Kotak Bike Insurance Policy that comes with third-party coverage gives me peace of mind knowing I'm legally compliant and my Ampere bike is financially protected.

    Read More

    S
    By Subodh Shahtri
    On: September 12, 2023
  • Smooth and Convenient Cashless...

    My experience with InsuranceDekho's cashless garages has been incredibly smooth and convenient. They truly make car repairs hassle-free. Thanks to the executives who suggested adding this benefit to my pre-existing Kotak Bike Insurance Policy for my KTM bike.

    Read More

    J
    By Jay Arora
    On: September 8, 2023
  • Instant Gratification

    As I was looking for a good bike insurance policy for my Amperebike, I came across the InsuranceDekho portal. The instant process of receiving insurance quotes in seconds is unbeatable. InsuranceDekho's Premium Calculator has transformed the tedious process of shopping for bike insurance into an enjoyable experience. I immediately bought the Kotak Bike Insurance Policy and am very happy about it.

    Read More

    By Sudhir Tripathi
    On: September 4, 2023
  • Total Peace of Mind

    InsuranceDekho's Comprehensive Coverage for Kotak Bike Insurance Policy provides me with total peace of mind. I know that my Kawasaki bike is protected against a wide range of risks, making my driving experience worry-free.

    Read More

    P
    By Pritish Puri
    On: August 28, 2023
Kotak Reviews

Insurance Products by Kotak General Insurance

Kotak General Insurance

Kotak Comprehensive Bike Insurance FAQs

  • What are deductibles?

    Deductibles are the amount that the policyholder had agreed to pay at the time of claim settlement. Deductibles are deducted from the claim amount at the time of claim settlement.

  • What are the add-on covers offered under Kotak comprehensive bike insurance policy?

    The following add-on covers are offered under Kotak comprehensive bike insurance policy:

    • Roadside Assistance
    • Consumables cover
    • Zero Depreciation cover
    • Engine Protect
    • NCB Protector.

  • What are the documents required to purchase Kotak comprehensive bike insurance policy?

    The following documents are required to purchase a Kotak comprehensive bike insurance policy:

    • Valid Photo ID Proof of the applicant such as Passport, Voter ID, Aadhaar card, PAN card etc.
    • Valid Address Proof such as Passport, Utility bills etc.
    • Copy of valid driving license
    • Vehicle registration number and RC certificate.

  • How can I purchase a Kotak comprehensive bike insurance policy?

    You can purchase Kotak comprehensive bike insurance policy in the following ways:

    • Through its official website
    • By calling on its toll-free number 1800-266-4545
    • By visiting the nearest branch.

  • What are the available tenure options for Kotak comprehensive bike insurance plan?

    You can choose a tenure of 1, 2 or 3 years for Kotak comprehensive bike insurance plan as per your preference.

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