Hassle-Free Buying Process
24*7 Customer Support
Compare Different Plans Easily
Add-Ons for Customization
Kotak Comprehensive Car Insurance
Kotak General offers Kotak Car Secure, a comprehensive car insurance plan. This plan gives wide protection for you and your car and helps you avoid paying large bills after an accident. It covers:
Damage to your own car from accidents, natural disasters, or other reasons
Injuries or death of other people in an accident caused by your car
You can also choose personal accident cover for yourself and your passengers. With busy traffic and bad roads, a comprehensive plan is very useful for every car owner.
Benefits of Zurich Kotak Comprehensive Car Insurance
Zurich Kotak's comprehensive car insurance helps you save money if an accident happens. Because it covers many things, you don’t have to pay all the costs yourself. Here are the main benefits:
- 01
It pays for many expenses, such as damage to your car, theft, injury or death of you or others, and damage to someone else’s property.
- 02
You can get help anytime, 24/7, from trained customer service staff.
- 03
You can repair your car at any cashless garage linked with Kotak, and you do not need to pay first.
- 04
You can buy useful extra covers (add-ons) that help you get better protection when you make a claim.
Motor Insurance Plans By Zurich Kotak
What Is Covered and Not Covered in Kotak Comprehensive Car Insurance?
This insurance protects your car and also covers damage your car causes to other people or their property. Here is a simple list:
What it Covers
Damage from road accidents
Damage from natural events like floods, storms, or earthquakes
Damage caused by fire
Theft of your car
Damage caused by vandalism (someone breaking or harming your car on purpose)
Damage while your car is being transported
Legal expenses if your car causes injury, death, or property damage to someone else
Damage to certain car parts, if you buy extra add-on covers like engine protection
What Does it not Covers
Normal loss of value of your car over time
Mechanical or electrical breakdowns from regular use
Regular wear and tear
Damage caused when driving under the influence of alcohol or drugs
Damage caused when someone without a driving licence drives your car
Extra costs like towing charges (unless covered by an add-on).
FAQs
NCB is a reward you get for not making any claims during the policy period. It reduces your premium.
Yes. You can transfer your No Claim Bonus when you switch to Kotak, as long as you have proof.
Yes. You can add optional covers like:Zero DepreciationEngine ProtectionRoadside AssistanceReturn to Invoice
No. Only third-party insurance is compulsory by law. But comprehensive insurance is a better and safer option.