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​Kotak Third Party Bike Insurance

Kotak General Insurance has been successfully providing protection to thousands of people against unforeseen incidents of life. Kotak third party bike insurance policy helps you in fulfilling the mandatory requirements of the law and keeps you protected against third party liabilities as well. With the Kotak third party bike insurance, the policyholders can avoid the expense of any damage to the third party caused by the insured’s bike.

With the online portal, Kotak General Insurance has tried to enhance the experience of its policyholders. It has set up an active help desk service to provide assistance to its policyholders. Kotak third party bike insurance covers the legal and financial liabilities towards the third party.

Kotak Third Party Bike Insurance vs Comprehensive Bike Insurance

Basis

Third Party Bike Insurance

Comprehensive Bike Insurance

Coverage

Two-wheeler third party insurance provides limited coverage, this type of insurance policy provides coverage for the third party liabilities such as bodily injuries, disability, demise and property damage to the third party. A third-party insurance policy provides legal and financial assistance in case of any mishap.

A two-wheeler comprehensive insurance policy provides all round coverage for the two-wheeler. This type of insurance policy provides coverage for third party liabilities and damage to the insured vehicle that may arise due to an accident or any other mishap. This type of insurance policy is a blend of third party and own damage cover.

Nature of Requirement

You cannot avail any add-on covers under a third party insurance policy as this type of insurance policy provides basic coverage.

You can avail add-on covers under a comprehensive policy to enhance the existing coverage. Some add-ons that Kotak General Insurance offers are Depreciation Cover, Consumable Cover, Engine Protect, Return to Invoice and Garage Cash.

Add-ons Availability

A third insurance policy is compulsory for a two-wheeler owner while driving the two-wheeler as per the Motor Vehicles Act.

A comprehensive insurance policy is not compulsory for a two-wheeler owner while driving the two-wheeler, but people often choose this type of policy as it provides holistic coverage.

Cost

A third party insurance policy is the basic type of two-wheeler insurance policy. Hence, it is an affordable insurance policy.

A comprehensive insurance policy provides dual benefits i.e. coverage for third party liabilities and own-damages to the two-wheeler.

What All Is Covered Under Kotak Third Party Bike Insurance Plan?

The Kotak third party bike insurance policy provides coverage for the following:

  • Financial and Legal Liabilities of a Third Party: A third party insurance policy helps the policyholder by taking care of financial and legal assistance in case of property damage of the third party that may occur due to an accident or any other mishap involving the insured two-wheeler. Compensation shall be provided to the third party for the property damage caused in an accident involving the insured vehicle.
  • Bodily Injuries of the Third Party: Third-party insurance policy provides coverage for any bodily injuries or disability caused by bodily injuries during an accident or any other mishap. Compensation shall be provided to the third party in case he/she suffers any bodily injuries/disability caused by the injury during an accident or any other mishap.
  • The demise of the Third Party: This type of two-wheeler insurance policy provides financial and legal assistance to the policyholder in case of an unfortunate demise of the third party during an accident involving the insured vehicle.

What All Is Not Covered Under Kotak Third-Party Bike Insurance Plan?

The third-party insurance cover gives coverage only for a few situations. Here are some conditions that are not covered under the third party bike insurance policy:

  • Damage to the insured two-wheeler caused during an accident or any other unforeseen event.
  • Damage to the insured two-wheeler while driving the vehicle without a valid license.
  • Damage caused to the insured two-wheeler while driving the vehicle under the influence of drugs, alcohol or other intoxicants.

Key Benefits of Purchasing Kotak Third-Party Bike Insurance

A third party insurance policy is compulsory for every individual who owns a two-wheeler while driving the vehicle in India, as this policy provides basic coverage and can be very useful in difficult times. Mention below are some benefits of purchasing a Kotak Third Party insurance policy:

1. Economic: A two-wheeler third party insurance policy is considered the simplest type of insurance cover for a two-wheeler. Since this type of two-wheeler insurance policy provides basic and limited coverage, these policies are quite affordable. Premiums for such two-wheeler insurance policies are pocket friendly.

2. Financial and Legal Security: The main objective of purchasing a third party insurance policy for your two-wheeler is to ensure financial and legal security in the times of crisis. This type of two-wheeler insurance policy provides protection against third party liabilities such as injuries, demise, disability and property damage of the third party that may occur during an accident or any other mishap.

3. Gives a Sense of Peace of Mind: A two-wheeler third party insurance gives a sense of peace of mind to the policyholder as this policy provides financial and legal assistance to the policyholder in case of any third party liabilities that may arise during an accident or any other mishap involving the insured two-wheeler. Since a third party insurance policy is mandatory according to the Motor Vehicles Act, you drive your two-wheeler legally.

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
Kotak Reviews

Kotak Third Party Bike Insurance FAQs

  • What documents are required for buying the Kotak third party insurance policy?

    The following documents are required for buying the Kotak third party insurance policy:

    • Photo ID proof and address proof (Aadhar card, Voter Id, PAN Card or Passport)
    • Copy of valid driving license
    • Registration number of bike
    • RC certificate.

  • How can I purchase the Kotak third party bike insurance policy?

    You can purchase the Kotak third party bike insurance in the following ways:

    • Visit the branch
    • Go to the official website
    • Dial toll-free number 1800-266-4545
    • Download the Kotak General Insurance app.

  • How can I contact the insurer for any queries about my policy?

    You can dial the toll-free number 1800-266-4545 for any queries or you can email the company your queries. The mail id is care@kotak.com.

  • What should I do if I lose my policy documents?

    If you lose your Kotak third party insurance policy documents, register an F.I.R at the nearest police station. Next, submit a written request along with the copy of the F.I.R to the insurer. The insurer will provide you with a duplicate copy after verifying the documents.

  • How can I get the quote for Kotak third party bike insurance policy?

    You can easily get the quote for Kotak third party bike insurance on the official website. You have to click on the “Get a quote” option on the website and fill up the information about your bike.

FAQ
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