Kotak Two-Wheeler Insurance Premium Calculator

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Highlights
    Network Garages1,300+
    Claim Settlement Ratio82.81% in FY20
    Emergency AssistanceAvailable 24/7
    Policies Issued18 lakh+
    Claim ProcessDigitally Enabled
    Third Party CoverAvailable

    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.

    What is your bike's brand?

    • Hero
    • Honda
    • TVS
    • Bajaj
    • Yamaha
    When did you buy your bike?
    20052019
    Have you made a claim in the previous year?

    Must Read Articles before buying Kotak Bike Insurance

    Kotak Bike Insurance User Reviews

    Write your review
    What users are saying
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      The renewal instructions on InsuranceDekho were easy to follow. I filled the renewal form and regenerated quot...

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      On: May 12, 2021
    • Fast and easy

      I like the way the team helped me to get car insurance plan online. Nice work team, thank you. I am excited to...

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      On: May 10, 2021
    • Lucrative additional covers

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      On: April 29, 2021
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      On: April 28, 2021
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      By Sayani Banerjee
      On: April 26, 2021
    • Website like no other

      The policy descriptions are reliable and on point and the helpdesk is always on their toes to help on Insuranc...

      Read More
      R
      By Rajanya Pathak
      On: April 23, 2021
    • Easy instructions for renewal

      The renewal instructions on InsuranceDekho were easy to follow. I filled the renewal form and regenerated quot...

      Read More
      I
      By Iraaj Das
      On: May 12, 2021
    • Fast and easy

      I like the way the team helped me to get car insurance plan online. Nice work team, thank you. I am excited to...

      S
      By SONU KANWAR
      On: May 10, 2021
    • Lucrative additional covers

      The list of additional covers to enhance policy benefits was quite lucrative on InsuranceDekho. I read the des...

      Read More
      A
      By Amrita Khanna
      On: May 3, 2021
    • Customisation was easy

      I wanted to customise and extend the coverages of Kotak Comprehensive bike insurance policy issued for Vespa P...

      Read More
      J
      By Joyeeta Sur
      On: April 30, 2021
    • Getting quotes was easy

      Getting free quotes for my Honda CD 110 Dream on InsuranceDekho has been really easy. I just gave the registra...

      Read More
      S
      By Suman Singh
      On: April 29, 2021
    • Tips to get best quotes

      Before generating quotes on InsuranceDekho, I got to know how factors like smart add-on choices, utilisation o...

      Read More
      D
      By Dipty Mukherjee
      On: April 28, 2021
    • Convenient customisation

      My Ducati Hyperstrada was insured with Kotak Third Party bike insurance policy. I could not purchase add-on co...

      Read More
      S
      By Sayani Banerjee
      On: April 26, 2021
    • Website like no other

      The policy descriptions are reliable and on point and the helpdesk is always on their toes to help on Insuranc...

      Read More
      R
      By Rajanya Pathak
      On: April 23, 2021
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      Generating quotes for my Vespa Piaggio S was successful in a jiffy once I filled in the registration number of...

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    Insurance Products by Kotak General Insurance

    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.

    Why to buy from InsuranceDekho?

    • Instant policy# within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    Kotak Bike Insurance Contact Details

    For any assistance, call us on:

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