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Kotak Standalone Own-Damage Two-Wheeler Insurance Policy

Standalone own-damage two-wheeler insurance offers coverage for own-damage costs in the event of a mishap. The insurance provider will compensate the cost to the policyholder in such a situation and thereby protect both the rider and his two-wheeler in times of crisis. Moreover, the own-damage cover for two-wheelers provides this compensation in several scenarios including natural calamities, theft, situations of total damage and road accidents. It is advisable to always purchase this type of cover along with compulsory third party insurance as it offers enhanced coverage.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Kotak Third Party Two-Wheeler

Insurance

Kotak Standalone Own-Damage Two-Wheeler

Insurance

Kotak Comprehensive Two-Wheeler

Insurance

Coverage

Kotak third party two-wheeler insurance provides coverage for third party liabilities and is compulsory in nature. Third party liabilities include bodily injuries, death and property damage.

Kotak standalone own-damage two-wheeler insurance offers coverage for only own-damage costs in the event of a mishap. Moreover, the insurance provider also offers NCB for every claim-free year.

Kotak comprehensive two-wheeler insurance will take care of both third party liabilities and your own-damage costs in the event of a mishap. Furthermore, the policy also offers a personal accident cover for enhanced protection.

Add-ons

Kotak third party insurance for two-wheelers does not offer add-on covers along with the policy.

Kotak standalone own-damage two-wheeler insurance offers several add-on covers.

Kotak comprehensive two-wheeler insurance also offers their customers several add-on covers for customers to choose from.

Cost

Kotak third party two-wheeler insurance is their cheapest option since it offers the most basic coverage.

Kotak standalone own-damage two-wheeler insurance is more expensive than their third party insurance cover as it offers much better coverage than it.

Kotak comprehensive two-wheeler insurance plan is the most expensive of the three as it offers coverage for both own-damage and third party liability costs under a single premium.

What is Covered Under Kotak Standalone Own-Damage Two-Wheeler Insurance Policy?

Kotak standalone own-damage two-wheeler insurance offers coverage for the following aspects:

  • Cases where road accidents cause damage to the two-wheeler.
  • Cases where the two-wheeler is damaged due to a fire or some form of explosion.
  • Cases of theft for the two-wheeler or cases where it is damaged beyond repair.
  • Damages caused to the two-wheeler due to a natural or man-made calamity, eg. earthquake.

What is Not Covered Under Kotak Standalone Own-Damage Two-Wheeler Insurance Policy?

Kotak standalone own-damage two-wheeler insurance does not offer coverage for the following aspects:

  • Mishaps that cause damage to the two-wheeler but occur outside India’s borders.
  • Depreciation of the two-wheeler.
  • Electrical or mechanical breakdown of the two-wheeler.
  • The illegal riding of the two-wheeler or misuse of any kind.

Benefits of Kotak Standalone Own-Damage Two-Wheeler Insurance Policy

Following are the benefits of the Kotak standalone own-damage two-wheeler insurance:

  • A standalone own-damage two-wheeler insurance offers a variety of add-on covers to further strengthen the standard insurance policy.
  • A standalone own-damage cover for two-wheelers also offers coverage in a variety of situations protecting both the two-wheeler and the insurance holder.
  • For every claim-free year, the standalone own-damage cover offers policyholders NCB as a reward for good safe riding habits. Additionally, the insurance reward is cumulative in nature, reaching 50% in the fifth consecutive year.

How To Purchase Kotak Standalone Own-Damage Two-Wheeler Insurance Policy?

The following are the steps you need to take to purchase a Kotak Mahindra standalone own-damage two-wheeler insurance policy:

Step 1: Visit our website InsuranceDekho and select the two-wheeler insurance tab, it is the second option from the top left corner of the page. From the drop-down menu select ‘Standalone Own Damage option.

Step 2: Enter the two-wheeler’s registration number. If for some reason you do not have this information you can also enter the two-wheeler’s make, model and year of registration.

Step 3: Also enter your personal details,i.e. name and mobile number. Once all the required information has been entered select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage policies for two-wheelers will be visible on the screen. Select the offer by Kotak Mahindra and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected Kotak Mahindra standalone own-damage two-wheeler insurance policy and the policy document will be sent to your registered email ID.

Explore Kotak Bike Insurance

Must Read Articles before buying Kotak Bike Insurance

Kotak Bike Insurance User Reviews

4.8
Rating based on
447 User reviews
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What users are saying
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  • Professional Customer Service

    Last month, I purchased a comprehensive Kotak Bike Insurance for my new bike from InsuranceDekho. Their team’s helpful and clear communication at every step has earned my trust. I appreciate their commitment to providing reliable services. Thank you!

    Read More

    V
    By Vikrant Makhija
    On: June 6, 2024
  • 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
  • Accurate Policy Information on...

    InsuranceDekho provided accurate policy information during the renewal of my Kotak Bike Insurance Policy for my Avan bike, giving me confidence in my decision to continue with them.

    Read More

    By Lokesh Gupta
    On: August 24, 2023
  • User-Friendly Own damage purch...

    The policy purchase and renewal process for own damage coverage on InsuranceDekho's Kotak Bike Insurance Policy for my Suzuki bike was user-friendly and hassle-free.

    Read More

    S
    By Shalin Khan
    On: August 23, 2023
  • Prompt Renewal Reminders for P...

    InsuranceDekho sent me timely renewal reminders for my Kotak Bike Insurance Policy, ensuring I never missed the deadline. It provided me with peace of mind knowing my Ampere bike was continuously insured.

    Read More

    C
    By Chandar Prashar
    On: August 10, 2023
  • No-Claim Bonus Benefit

    I appreciated that InsuranceDekho's own damage policy for my Bajaj bike rewarded me with a no-claim bonus for claim-free years. It incentivizes safe driving and offers a discount on the premium of my Kotak Bike Insurance Policy.

    Read More

    S
    By Surya Singhania
    On: August 9, 2023
  • Worth Every Penny

    The extra cost for zero depreciation coverage is worth every penny. The Kotak Bike Insurance Policy saved me from potential financial burdens in case of accidents of my KTM bike, making it an essential add-on to any bike insurance policy.

    Read More

    By Rahul Shenoy
    On: August 7, 2023
  • Comprehensive Coverage with Ad...

    The Kotak Bike Insurance Policy comprehensive policy at InsuranceDekho comes with valuable add-ons that enhance the coverage for my Kawasaki bike even further. It's a complete package for bike protection.

    Read More

    R
    By Ritik Jaiswal
    On: July 31, 2023
  • Wide Network of Trusted Garage...

    I was impressed by the extensive network of cashless garages that InsuranceDekho offered with the Kotak Bike Insurance Policy. It gave me peace of mind knowing there was a reliable garage nearby for any emergency for my Kawasaki bike.

    Read More

    D
    By Dirender Srivastav
    On: July 25, 2023
  • Trustworthy Renewal Experience...

    InsuranceDekho provided a trustworthy renewal experience for my Kotak Bike Insurance Policy for my TVS. Their attention to detail and commitment to customer satisfaction earned my trust.

    Read More

    D
    By Dilpreet Saini
    On: July 21, 2023
  • Timely Updates

    Throughout the own damage claim process for my Bajaj bike, InsuranceDekho provided timely updates on the status of my claim for the Kotak Bike Insurance Policy. I was always aware of the progress being made, which was reassuring.

    Read More

    B
    By Bhupesh Rana
    On: July 20, 2023
  • Affordable and Reliable

    I chose InsuranceDekho's Zero Dep car insurance policy because it offered great coverage at an affordable price. The Kotak Bike Insurance Policy has proven to be reliable, and the zero depreciation benefit has saved me from significant out-of-pocket expenses for my Vespa bike. I'm impressed with their service.

    Read More

    M
    By Mridul Kakkar
    On: July 18, 2023
  • Flexible and Customizable Opti...

    The premium calculator offered by InsuranceDekho allows for flexible and customizable options. I can easily modify coverage parameters and instantly see how they affect the premium of the Kotak Bike Insurance Policy for my Honda bike. This flexibility helps me tailor the policy to my specific needs.

    Read More

    G
    By Gurmeet Singh
    On: July 14, 2023
  • Cost-Effective Option

    InsuranceDekho's third-party policy offered a cost-effective option for my Suzuki car insurance. The Kotak Bike Insurance Policy provided the necessary coverage while being affordable for my budget.

    Read More

    By Prakshal Shah
    On: July 12, 2023
  • Transparent Policy Terms and C...

    I found InsuranceDekho's comprehensive car insurance policy to have transparent terms and conditions. They clearly outlined the coverage, exclusions, and renewal conditions, helping me make an informed decision to purchase the Kotak Bike Insurance Policy for my Jawa bike.

    Read More

    A
    By Annirudh Shah
    On: July 11, 2023
  • Transparent Communication

    InsuranceDekho maintained transparent communication throughout the claims process for my Kotak Bike Insurance Policy for my Suzuki bike. They kept me informed about the progress of my claim and provided updates on the estimated settlement amount, giving me clarity and peace of mind.

    Read More

    H
    By Harshiv Kohli
    On: July 7, 2023
  • Reliable Estimates for Budget ...

    At InsuranceDekho, the premium calculator provided reliable estimates for budget planning. It accurately projected the premium for the Kotak Bike Insurance Policy, allowing me to incorporate it into my financial planning for my Mahindra bike. The reliability of the estimates helped me assess the affordability of the policy and make informed decisions about my insurance coverage.

    Read More

    P
    By Piyush Sharma
    On: July 5, 2023
  • Coverage for Accidental Damage...

    I recently experienced accidental damage to my car, and I must say that my Kotak Bike Insurance Policy's own damage coverage exceeded my expectations. The policy provided comprehensive coverage for the damages to my Kawasaki bike, including repair costs, replacement parts, and even towing services. InsuranceDekho was quick to assess the damage and promptly reimbursed the expenses. I am highly satisfied with the level of coverage offered.

    Read More

    D
    By Dheeraj Acharya
    On: June 30, 2023
  • No Surprises

    I was very happy with the zero depreciation Kotak Bike Insurance Policy that I chose from InsuranceDekho for my SWM bike. There were no surprises and I knew exactly what I was getting. I would definitely recommend this company to others.

    Read More

    S
    By Subrahmanya Rao
    On: June 28, 2023
  • Quality Repairs

    I was very happy with the quality of the repairs that were done at the cashless garage. My Mahindra bike looks like new and I'm confident that it will last for many years to come. So glad that I took the decision to update this benefit along the Kotak Bike Insurance Policy from InsuranceDekho.

    Read More

    S
    By Sirish Bhandari
    On: June 26, 2023
  • Comprehensive Coverage Tailore...

    The comprehensive coverage offered by the Kotak Bike Insurance Policy is customizable to meet my specific needs for my Royal Enfield bike. I can select the level of coverage and add-ons that align with my requirements, ensuring comprehensive protection tailored to my preferences. Happy to have secured my bike from InsuranceDekho under this amazing policy.

    Read More

    A
    By Amrit Pal
    On: June 22, 2023
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