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Add-Ons for Customization
Zurich Kotak Car Insurance
Zurich Kotak General Insurance is a company formed by Kotak Mahindra and Zurich Insurance. Before 2024, Kotak Mahindra owned the whole company, but in 2024, Zurich bought 70% of the company. This company was created to provide non-life insurance services in India.
Zurich Kotak General Insurance focuses on its customers. It offers insurance plans that you can buy online without any problems. The company provides insurance for all types of vehicles. It is known for great customer service, fast claim handling, and a variety of products, including car insurance.
About Zurich Kotak Car Insurance
If you have a car, keeping it safe should be one of your main concerns. An accident or a natural disaster can happen anytime. This can cause problems for you, the people in your car, and others involved.
That’s why having car insurance is very important. It protects you and your car from money loss and legal problems. Kotak Car Insurance offers different types of plans, comprehensive, third-party, and own-damage insurance, to give strong protection for your car and for others’ vehicles too.
Key Features of Zurich Kotak Car Insurance
| Categories | Features |
|---|---|
| Claim Settlement Ratio | 98% |
| Personal Accident Insurance | Up to Rs. 15 Lakhs |
| Network Garages | 4600+ |
| No Claim Bonus | Upto 50% |
| Number of Zero Depreciation Claims | 2 |
| Number of Non-Zero Depreciation Claims | Unlimited |
| Customer Support | 24/7 |
Motor Insurance Plans By Zurich Kotak
Types of Zurich Kotak Car Insurance Policies
Zurich Kotak offers three types of car insurance for private cars:Zurich Kotak Third-Party Liability Insurance Policy
This insurance pays for damage or injury caused to another person (third party) by your car. It covers their property damage, injuries, or even death. But it does not cover any damage to your own car.
Zurich Kotak Comprehensive Insurance Policy
This plan covers damage to your own car caused by accidents, fire, theft, natural disasters, or man-made events. It also includes third-party coverage, which means it pays for damage or injury caused to others.
Zurich Kotak Own Damage Insurance Policy
This plan covers only the damage to your own car due to accidents, fire, theft, natural disasters, etc. You can buy this plan along with a third-party policy for complete protection.
Benefits of Purchasing Zurich Kotak Car Insurance
Here are some benefits that you can get if you buy your car insurance from the Zurich Kotak company:
- 01
Offers a Wide Network of Cashless Garages
You can get your car repaired at many partner garages without paying money up front. The company directly pays the garage for the repair work.
- 02
High Claim Settlement Ratio
The company has a high claim settlement ratio. This means you can trust that your claim will be handled quickly and fairly.
- 03
Gives No Claim Bonus (NCB)
If you do not make a claim for a year, you get a discount on your next premium. This helps you save money simply by driving safely.
- 04
Offers Easy Policy Purchase
Buying the policy is quick and can be done entirely online. There is very little paperwork, so the process feels smooth and simple.
- 05
Provides Customisable Add-ons
You can choose extra covers based on what you need, like roadside help or zero depreciation. This lets you build a plan that fits your car and lifestyle.
- 06
Offers Instant Policy Issuance
After you buy the insurance, the policy is issued right away. You do not have to wait, so your car gets protected immediately.
Add-ons Offered by Kotak Car Insurance
Add-ons are extra covers you can buy by paying a small additional amount. These give your car more protection. Here are the add-ons offered by Kotak Car Insurance:Consumables Cover This covers small items used during repairs, like nuts, bolts, screws, and oils. Normally, you would have to pay for these, but this add-on covers their cost.Depreciation Cover (Zero Dep Cover) A car loses value as soon as you start using it. During claims, this value loss is usually deducted. With this add-on, no depreciation amount is cut, and you get the full cost of parts during repairs.Engine Protect Cover This protects your car’s engine if it gets damaged due to an accident, waterlogging, or water entering the engine. It is very useful for people living in areas with heavy rain or flooding.Return to Invoice If your car is stolen or totally damaged, this add-on helps you get the full invoice price of your car. This means you get the amount you originally paid when you bought the car.Tyre Cover This add-on helps you during emergencies like:A tyre getting puncturedYour car running out of fuel or battery Note: It does not cover normal tyre wear and tear.24/7 Roadside Assistance If your car breaks down in a place where you cannot get help, this add-on is useful. You can call the insurer anytime for support, like towing, jumpstart, fuel delivery, etc.Daily Car Allowance If your car is in the garage for repair after an accident, this add-on gives you money for daily travel. It helps you manage transport until your car is fixed.NCB Protect This add-on helps you keep your No Claim Bonus (NCB) even if you make a claim. However, making many claims in a year may increase next year’s premium.Loss of Personal Belongings If your personal items (like a laptop, clothes, or gadgets) get lost or damaged in the car due to an accident or natural disaster, this add-on pays for them.Key Replacement If you lose, damage, or misplace your car key, this add-on covers the cost of getting a new key or replacing the lock. It saves you from paying a high amount for key or lock replacement.Emergency Medical Cover Pays medical expenses for the driver or passengers after an accident.
How to Buy Kotak Car Insurance Online?
Buying car insurance online from Square Insurance is very simple. Just follow these easy steps:Go to the homepage and click on "Car Insurance."Enter your car’s registration number, or click "Got a New Car" if your car is newly bought.Choose your car’s details like brand, model, fuel type, and registration date.Fill in the registration form and click Next.You will see the Kotak car insurance plans and choose the one you want to buy.If you pick a comprehensive plan, you can add extra coverage in the "Add-on Cover" section.Pay online using a debit card, credit card, UPI, or net banking.Check your email for the policy documents sent by the insurance company.
FAQs
Yes, Kotak gives quick roadside help. If your car breaks down on an empty road, don’t worry. Just call 1800 266 4545 and ask for help. They offer:Battery jump startTowing your carEmergency fuelHelp if you are locked outSmall repairs if needed
Yes, Kotak gives No Claim Bonus (NCB). You get NCB if you do not make any claim during the policy period.
Yes, you can easily renew it online in just a few minutes. You only need your old policy details and car number.
Kotak usually settles claims quickly because they have a fast process. Most simple claims are done in a short time.
Yes, you can check your claim status on the Kotak website. Just enter your claim number or policy number.
Yes, your premium may increase because you lose your No Claim Bonus. But if you have NCB Protect, you can keep your bonus even after a claim.