Bajaj Bike Insurance Online
Limit your speed, not your two-wheeler insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
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Note: The above data is till 1st April, 2025
Two-Wheeler Insurance For Bajaj Bike & Scooter
Bajaj bikes and scooters are built for everyday reliability, whether you are heading to work or planning a longer ride. However, owning one also comes with the responsibility of staying financially and legally protected. Many riders explore Bajaj bike insurance or opt for Bajaj bike insurance online without fully understanding what their policy covers or when Bajaj bike insurance renewal is due, which can sometimes leave crucial gaps in protection. With growing choices for Bajaj two-wheeler insurance online, understanding how two-wheeler insurance supports smoother, compliant ownership makes all the difference. Zurich Kotak supports this process through clear policy communication and access to a 5,700+ cashless garage network across India, making repairs more streamlined and reducing the need for upfront payments during claim situations.
Features of Bajaj bike insurance
A Bajaj bike insurance policy with Zurich Kotak is designed to support safer, stress-free riding through practical coverage and value-driven benefits.
Benefits of buying online two-wheeler insurance for Bajaj
Opting for bike insurance online makes the process faster, clearer and more convenient for today’s riders. Here are the key advantages of choosing Bajaj two-wheeler insurance online for your Bajaj bike or scooter:
Faster access and easy comparison
Buying Bajaj 2-wheeler insurance online allows you to compare coverage, premiums and add-ons in minutes, helping you choose a policy that suits your riding needs.
Instant policy issuance
Your Bajaj bike insurance is issued quickly, reducing paperwork and delays, while ensuring immediate legal compliance.
Cost efficiency and transparency
Online purchase offers clearer premium visibility and helps avoid hidden charges, making Bajaj two-wheeler insurance more predictable and manageable.
Customisable protection
Add-ons such as zero depreciation, engine protection and roadside assistance can be selected as per preference while securing Bajaj bike insurance renewal online
Seamless renewal process
Timely Bajaj bike insurance renewal becomes simpler through digital reminders and streamlined payment options.
Reliable coverage support
Zurich Kotak enables structured online access to coverage details, claims guidance and policy management for smoother, informed decision-making.
Types of Bajaj two wheeler insurance Zurich Kotak offers
Choosing the right Bajaj two-wheeler insurance depends on your riding habits, budget and the level of protection you expect from your policy. Zurich Kotak offers clearly defined policy types that allow Bajaj bike owners to select coverage that aligns with
This policy provides extended coverage for both own-damage and third-party liabilities under a single plan. It protects your Bajaj bike against accidents, theft, fire and natural calamities while reducing the need for frequent Bajaj bike insurance renewal. It also offers continuity of cover along with eligibility for no claim bonus benefits.
This is a basic Bajaj bike insurance option that fulfils legal obligations by covering damages or injuries caused to third parties. It is suitable for riders seeking affordable coverage, though it does not cover repairs or loss of the insured Bajaj bike.
Designed for new Bajaj vehicle owners, this plan combines five years of third-party cover with one year of own-damage protection. It simplifies policy management by offering structured coverage in a single purchase.
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Inclusion & exclusions of Bajaj two wheeler insurance
Knowing what your Bajaj two-wheeler insurance covers and excludes helps you avoid claim disputes and ensures your Bajaj bike insurance delivers the protection you expect. Here is a clear breakdown for better understanding.
Inclusions
● Damage due to fire, explosion or self-ignition
● Loss or damage caused by natural disasters such as floods, earthquakes, cyclones, storms and landslides
● Third-party property damage or bodily injury, as mandated by law
● Personal accident cover for the policyholder in case of injury, disability or death
● Theft of the Bajaj bike, compensated as per the insured declared value (IVD)
● Damage resulting from man-made events such as riots, strikes, vandalism or malicious acts
Exclusions
● Wear and tear, ageing, rusting and general deterioration of bike parts.
● Depreciation or indirect losses, unless supported by a depreciation cover add-on
● Usage of the bike for racing, stunts or unauthorised commercial purposes
● Mechanical or electrical breakdowns without the engine protect add-on
● Damage occurring under the influence of alcohol or drugs
● Riding without a valid driving licence at the time of the incident
● Contractual liabilities beyond normal usage
● Losses caused by war, nuclear risks or radioactive contamination.
Bajaj two wheeler insurance add-ons
Add-ons enhance your Bajaj two-wheeler insurance by extending protection beyond standard coverage. These optional covers allow you to tailor your Bajaj bike insurance to suit your riding conditions, vehicle usage and financial preferences.
Depreciation cover
As bike parts lose value over time due to wear and ageing, standard policies factor in depreciation during claim settlement. With this add-on, depreciation is not deducted, ensuring you receive the full cost of replaced parts in case of partial damage.
Return to invoice
If your Bajaj bike is stolen or declared a total loss, this add-on provides compensation based on the bike's original invoice value rather than its depreciated market value, offering stronger financial security.
Consumables cover
This cover include the cost of consumable items such as engine oil, brake fluid, nuts, bolts and lubricants, which are typically excluded from regular Bajaj bike insurance policies.
Engine protect
Engine protection provides financial support for engine repairs caused by water ingression, oil leakage or mechanical failure, safeguarding one of the most critical components of your bike.
Why choose Zurich Kotak for bike insurance ?
Choosing the right bike insurance partner is about more than just price. It is about ease, reliability and consistent support when it truly matters. Zurich Kotak simplifies both the buying and management of bike insurance through a combination of digital
Time-Saving Bike Policy
Bike insurance can be purchased or renewed online in just a few minutes. The process is fully digital, removing the need for paperwork or physical visits.
Cost-Efficient Coverage
Policyholders benefit from competitive pricing, long-term policy savings and No Claim Bonus advantages for maintaining a claim-free record.
Effortless Policy Management
Online renewals and access to cashless repairs at authorised network garages make it easier to manage claims and keep coverage active without unnecessary delays.
Instant Discount Benefits
Additional savings are available for AAI members, vehicles fitted with anti-theft devices and riders with a safe driving history.
24x7 Customer Support
Round-the-clock assistance is available for claims, renewals and general queries, ensuring timely support whenever required.
Trusted & Consistent Service Standards
Zurich Kotak is recognised for its structured claim handling processes and focus on reliability, helping riders feel more confident about their insurance decisions.
Steps to buy bajaj bike insurance online from Zurich Kotak General Insurance
Hassle-free insurance at your fingertips with our easy and fast online process
Get all-round protection for your precious two wheeler in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the bike & scooter insurance buying process to a few simple steps.
Click on the "Get A Quick Quote" button on Bike Insurance page.
Fill in your vehicle details such as registration number, model, make etc.
Check quote, fill in your personal details and make the payment online.
How to get an online quote for bajaj bike insurance
See how simple it is to get a bike insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as bike registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Bike insurance Page and review coverage
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Factors affecting Bajaj bike insurance price
The premium of Bajaj bike insurance depends on several factors:
IVD (insured declared value): higher IVD means a higher premium.
Bike model & engine capacity: powerful bikes like Bajaj pulsar have higher premiums.
Age of the bike: older bikes cost less to insure.
Riding location: urban areas with higher accident rates have higher premiums.
Add-ons: adding zero depreciation, RSA, or engine protect increases the premium.
No claim bonus (NCB): claim-free years reduce premiums significantly.
How To Renew bajaj bike insurance
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak allows you the easy process of renewing your bike insurance policy online.
Visit https://www.zurichkotak.com/renewal and select the type of two-wheeler insurance policy which is due for renewal. For example, if you want to renew a comprehensive two-wheeler insurance policy, then select comprehensive two-wheeler insurance.
Then, fill in your two-wheeler insurance policy number, registration number, chassis number and your mobile number. Now, click on ‘Submit’
The insurance company would then validate your two-wheeler policy number and show the details of your policy on the screen after verification.
Check the details of your policy, choose add-ons if you want to buy any and review the premium of your plan.
Pay the premium and your policy would be renewed instantly with a confirmation on your registered email Id and mobile number. You can pay the premium online through any digital payment mode like credit or debit cards, mobile wallets, net banking UPI, etc.
Claim Process For Baja Bike Insurance at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
List of documents required for filing a bajaj bike insurance claim
Get familiar with the documents needed for speedy claim process
Documents required for bike insurance claim
To raise a bike insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
Steps to download copy of Bike Insurance Policy
Here is your step-by-step guide to access your policy copy
If you cannot locate the soft copy of your bike insurance policy in your email or have misplaced the physical document, you can easily download it online through the Zurich Kotak website. The process is quick and ensures you always have access to your policy when needed.
Visit the Website: Go to the official Zurich Kotak website: https://www.zurichkotak.com/
Select ‘Download Policy Copy’: Click on the ‘Download Policy Copy’ option available under the Login section at the top right corner of the homepage.
Enter Your Details: Provide your policy number along with your registered mobile number or email ID, then click on ‘Get OTP’.
Verify with OTP: An OTP will be sent to your registered mobile number and email ID. Enter the OTP in the required field to proceed.
Download Your Policy: Once verified, your bike insurance policy copy will be displayed. You can download and save it on your device for future reference.
Bike Insurance glossary
There's always more to know about bike Insurance
The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy
The IDV is the maximum coverage amount set by the insurer for a vehicle, based on the manufacturer's price adjusted for depreciation. In case of total loss, it represents the compensation to the policyholder.
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
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Frequently Asked Questions
Buying Bajaj bike insurance online is convenient, faster, and more affordable. You can compare plans, customize coverage, and access instant policy issuance without paperwork. Online platforms also provide reminders for timely Bajaj bike insurance renewal, ensuring your coverage never lapses.
It covers own-damage, third-party liabilities, accidents, theft, fire, natural disasters, man-made events, and includes a mandatory personal accident cover. With add-ons like zero depreciation and engine protect, comprehensive Bajaj two-wheeler insurance offers complete protection.
Top add-ons include zero depreciation, roadside assistance, engine protection, rti, pillion rider cover, and consumables cover. These enhance the standard coverage and reduce out-of-pocket expenses during claims.
Your policy will lapse, leaving you uninsured. You also lose your accumulated no claim bonus (NCB). Riding without valid insurance is illegal and can lead to penalties. Late renewal may require bike inspection.
Premium is based on factors like IVD, bike model, age, location, engine capacity, add-ons, and NCB. Newer and high-performance Bajaj bikes attract higher premiums.
Yes, NCB is transferable even if you buy a new bike or switch insurers. It applies to the policyholder, not the vehicle. Submit your NCB certificate during renewal or portability.
Standard policies cover only manufacturer-fitted accessories. You can purchase an add-on to ensure custom or high-value accessories like fog lamps, seat covers, or crash guards.
Yes, having at least third-party bike insurance is legally mandatory under the motor vehicles act, 1988. Comprehensive insurance is optional but recommended for better protection.
