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Disclaimer: Actual Premium might vary basis your location, age and number of members

Kotak Two-Wheeler Insurance Premium Calculator

What is a Bike Insurance Premium Calculator?

Bike insurance premium calculator is a digital tool that helps you know the premium for a bike insurance policy before buying it. The premium calculator helps you to find the most suitable bike insurance quotes offered by multiple insurers and compare them to shortlist the best one. To get quotes using InsuranceDekho’s bike insurance premium calculator, you are required to enter a few details of your bike. These include the brand name, model, registration city and year etc.

How to Use a Two-Wheeler Insurance Premium Calculator?

InusranceDekho’s bike insurance premium calculator is easy to use. It helps you know the premium for your bike insurance policy by following a few steps given below:

Step 1: Select your bike’s Make, Model, Variant, and Fuel Type.

Step 2: Select the City of your bike registration. Answer the question ‘When did you buy your bike?’ by selecting the year of purchase.

Step 3: Tell us ‘Have you made a claim in the previous year?’ by selecting yes or no.

Step 4: Click on the ‘Calculate’ button. You will find the right IDV and premium amount for your bike insurance policy.

Benefits of Two-Wheeler Insurance Premium Calculator

InsuranceDekho’s bike insurance premium calculator offers you the following benefits:

  1. Right Insured Declared Value: Taking in consideration a few factors like make, model, variant, age of the vehicle, city of registration, etc.,the premium calculator tells you the right Insured Declared Value or IDV. This keeps you informed about the amount that you can claim from an insurer in case of loss or damage.
  2. Correct Premium: Bike insurance premium calculator tells you the correct premium in advance that you will be required to pay for the shortlisted bike insurance policy. It makes you well aware of your buying decision.
  3. Improves Your Decision Making Ability: InsuranceDekho’s bike insurance premium calculator lets you find bike insurance quotes from multiple insurers. You can also compare them online in order to shortlist the most suitable one for your bike.
  4. Helps You to Buy Economic Deals: The premium calculator displays the most suitable quotes as per your bike’s details. You can then choose the most affordable policy by comparing them.

Third Party Two-Wheeler Insurance Premium Rates

Engine Capacity

Premium to Buy a New Policy (5-Year Plan)

Premium to Renew Existing Policy (1-Year Plan)

Not exceeding 75 cc

Rs. 1,045

Rs. 482

Exceeding 75 cc but not exceeding 150 cc

Rs. 3,285

Rs. 752

Exceeding 150 cc but not exceeding 350 cc

Rs. 5,453

Rs. 1,193

Exceeding 350 cc

Rs. 13,034

Rs. 2,323

(Source: Insurance Regulatory and Development Authority of India)

Premium for Comprehensive and Standalone Own-Damage Bike Insurance Plans

Premium for comprehensive and standalone own-damage bike insurance plans are affected by several factors such as your bike’s make, model, variant, fuel type, cubic capacity, and location of registration. As there are many factors involved in determining the bike insurance premium, therefore it may happen that two people owning a bike of the same brand are required to pay different premiums. Read about the factors that affect bike insurance premium:

Factors Which Determine Two-Wheeler Insurance Premium

Given below are some factors that affect the premium for bike insurance:

  1. Engine’s Cubic Capacity: Your bike will require more consumables if its cubic capacity is higher. So, you will be required to pay a higher premium if you own a bike with a higher cubic capacity and you want to get it insured, and vice versa.
  2. Insured Declared Value (IDV): IDV is the maximum amount that you can claim from an insurer in case your bike gets damaged or stolen. IDV is decided by the insurer considering your bike’s make, model, and variant. Higher the IDV of your bike, higher premium you will be required to pay to get it insured.
  3. No Claim Bonus (NCB): Another factor that affects your bike insurance premium is No Claim Bonus. Insurers offer a discount on bike insurance premium to the policyholders as a reward for no claim made during a policy term. Usually, the No Claim Bonus ranges between 20%-50%.
  4. Anti-Theft Devices: Installing anti-theft devices reduced the chances of your bike getting stolen which further reduced the liability on the insurer. So, if you have ARAI-approved anti-theft devices installed in your bike, then you will be required to pay a lesser premium.
  5. Number of Add-Ons: Add-ons are additional coverage benefits that you can purchase with your bike insurance policy. You can buy add-on benefits like zero depreciation, roadside assistance cover, etc by paying some extra premium and enhancing the coverage for your bike.

Must Read Articles before buying Kotak Bike Insurance

Kotak Bike Insurance 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!

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    A
    By Amrit Pal
    On: June 22, 2023

Kotak Bike Insurance Premium Calculator FAQs

  • What factors determine the premium of a bike insurance policy?

    There are various factors that affect the premium of a bike insurance policy such as Engine’s Cubic Capacity, Insured Declared Value (IDV), No Claim Bonus (NCB), Anti-Theft Devices, the City of Registration, Number of Add-Ons, Age of the Owner, and so on.

  • Can I use the premium calculator to calculate the premium for my old bike?

    Yes, the premium calculator will assist you in finding the premium offered by different insurance providers for new as well as old or used bikes.

  • Where can I find the bike insurance premium calculator?

    You can find the best bike insurance premium calculator to compute the premium and IDV at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

  • Why should I use a bike insurance premium calculator?

    The bike insurance premium calculator will help you find the accurate premium for your bike insurance policy, get the correct IDV of your bike, and pick an affordable bike insurance plan with right decisions about the bike insurance plan.

  • What details should I enter in the bike insurance premium calculator?

    You will be required to enter details like make of the bike, model of the bike, RTO location of the bike, registration year of the bike, etc., to find the right premium offered by the insurers for a bike insurance plan.

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Calculate your Two Wheeler IDV

#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.