Zurich Kotak Third Party Car Insurance
Third-party car insurance is a type of insurance that every vehicle must have by law in India (Motor Vehicle Act, 1988). This Read More
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This page explains everything about Kotak’s third-party car insurance, what it covers, what it does not cover, its benefits, and more to give you a better understanding.
Key Features of Zurich Kotak Third-Party Car Insurance
Here are some benefits that you can get if you buy your car insurance from the Zurich Kotak company:
- 01
Third-Party Damage Cover
Zurich Kotak pays for the required compensation if your car hurts someone or damages someone’s property. It covers medical costs for injuries and property damage caused by a third party.
- 02
Optional Personal Accident Add-on
You can add personal accident cover for extra safety. This helps pay your medical bills if you get injured in an accident.
- 03
Affordable and Fixed Pricing
The price of third-party insurance is set by IRDAI, so it is the same for everyone and very affordable.
- 04
Legal Requirement
Third-party insurance is compulsory under the Motor Vehicles Act, 1988. Buying it means you are following the law.
- 05
Long-Term Coverage for New Cars
If you buy a new car, you can get third-party insurance for 3 years at once. This means you do not have to renew it every year.
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What is Covered and Not Covered Under Zurich Kotak Third-Party Car Insurance?
When you buy car insurance, it is important to know what the policy includes and what it does not. Here are the things covered and not covered under Kotak Third-Party Car Insurance:
What it Covers
Third-Party Property Damage
If your car damages someone else’s property, Zurich Kotak pays for the repair costs.
Third-Party Injury
If your car hurts someone in an accident, Zurich Kotak pays for their medical treatment. There is no limit on the coverage for injuries.
Personal Accident Cover (Add-on)
You can add this cover for extra safety. It pays for your medical bills if you, the policyholder, get injured in a road accident.
What Does it not Covers
Damage to Your Own Car
Any damage to your own car is not covered under third-party insurance.
Driving Under Alcohol or Drugs
If you were drunk or under drugs during the accident, your claim will be rejected.
Theft of Vehicle
If your car is stolen, this policy does not give any coverage.
Driving with a Learner’s License Without an Adult
If you have a learner’s license, you must drive with a licensed adult. If you drive alone and meet with an accident, your claim will not be accepted.
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