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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.

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
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