An OTP will be sent to the policy holder's linked mobile number on proceed.
A car insurance claim is when you ask your insurance company to pay for damage to your car. This damage can happen due to accidents, natural disasters, fires, or even theft. At Zurich Kotak, you can easily file a car insurance claim online. You don’t need to deal with lots of paperwork—you can submit your claim through their website or mobile app. It’s quick and simple!
Irrespective of the type of claim you make, the process of intimation, survey, document verification and settlement remains the same. However, in case of reimbursement claims, we also need these additional documents - payment receipt and invoice.
Get your car repaired at any of Zurich kotak's network garages. We will pay the repair costs directly to the garage as per the policy terms. We also offer a free pick up and drop facility in select cities. You can also take advantage of our instant claim settlements for minor damages, such as a broken mirror or a dent on the bumper.
In this case, you inform Zurich kotak and get your car repaired at a garage of your choice. Once the repair work is done, you will have to submit receipts of the repair cost. You can log in to your account via the website or mobile app to upload a copy of the repair invoices. Zurich kotak will reimburse the cost as agreed in the policy document.
Step : 1
You can register your claim via the Website, Zurich Kotak mobile app, or WhatsApp "Hi" on 7998879988
Login to ZKGI App
You can login with your credentials and navigate to the menu to access claim tracking.
Track claim
Choose “Claims” from the bottom menu and go to “Claim Status"
View claim status
See real‑time updates on your claim progress directly in the app.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Providing false information or hiding facts like previous claims, accident details, or car modifications can lead to claim denial. Always be transparent with your insurer from the start.
Ensure your driving licence, Registration Certificate (RC), and Pollution Under Control Certificate (PUCC) are valid and up to date. Missing or expired documents can delay or even reject your claim.
Claims can be rejected if the accident occurred due to violations like drunk driving, underage riding, or reckless behaviour. Safe and lawful riding helps protect your eligibility for a claim.
In the event of an accident or any other issues, always notify your insurer before seeking any repairs. Unauthorised repairs without insurer approval can result in claim rejection.
If you buy a second-hand car, transfer the insurance policy to your name immediately. Claims may be denied if the policyholder's details don't match the registered owner.
18 Nov 2024
16 Nov 2024
18 Nov 2024
Irrespective of the type of claim you make, the process of intimation, survey, document verification and settlement remains the same. However, in case of reimbursement claims, we also need these additional documents - payment receipt and invoice.
Investigate, quantify and validate the extent of loss and report the same back to us.
Provide professional and unbiased assessment and adhere to the strict code of conduct.
Provide and complete the assessment within the stipulated time frame.
During the survey or assessment, the surveyor needs to educate the policyholder about the claim process and the evaluation of the damages.
Jabardast service hai every person in company very polite and humbal and helpful
Services are really good. They inform customer on everything like claim passed
I have renewed my vazuric kotak is very competitive and service is excellent.
Excellent, I am fully satisfied. God bless Keep it up.......
Very satisfied with Zurich Kotaks service. Highly recommended!....
Excellent service, hassle-free experience, and quick claim approval.
He helped quickly and provided the service and claim soon
Satisfied with Zurich kotak service and timely approval by Surveyor Mr Nazim Ali
As compare to other compines really appreciate for fast settlement
As claim process extremely fast and solve problem as per my requirements.
Great Claim service and on time approval and On time work done by surveyour and workshop and Great work by both side and happy with say and keep it up
Nice guy understood the issue and then approved it
Satisfied with Kotak policy, their representatives are good
Excellent service claim process.very supportive and professional team.
Experience was good and the assigned person was really supportive
Prompt service. Got the claim approval in 2 hours of the survey.
Extremely Happy With The Service And Claim Managers
nicely supported morally & response by mr Sampath from zurich
Awesome and great guys compare to other insurance vendors
Was fully taken care of, and I did not have to do anything
It was my first experience with Kotak Zurich and it was great
Quite easy and simple the whole process of renewing the policy
It was great experience b.cos my claim was easily settled without any hussle
Fully satisfied with workshop especially with Surveyor Mr Sarmad Sab
The experience was quite seemless... well done team
Excellent experience. Handled smoothly, hassles free and professionally
Thanks to Sudipta who handled the claim process and was extremely efficient.
Excellent service timely resolution was given. Pankaj helped alot.
Claim Manager Mr. Rajendra Yaduvanshi has provided excellent services and his behavior has been respectful.
Everything was carried out with concern and politeness.
Every thing was so smooth. Thank you zurik kotak team
The Insurance Company & surveyor coordinated well good
The service is smooth and fast,hop it should be the same
The support throughout the claim process was extremely smooth.
Claim process is very fast workshop working process is very good
The assistant who called helped in easing out the process
It was a seamless experience I am happy it happend without any effort
Awesome experience. Initiated claim and within 2 days I got the vehicle back. Thanks Zurich Kotal for fantastic service .
Happy with the claim process. However, time taken to deliver the vehicle is too long with repeated follow ups. Thank you for your support.
Really nice Service centre honour is so coperative Delivered in time.Good finishing as well as good denting painting.
Surveyor sudipta ghosh was very helpful and responsible in the entire claim process. All other steps were also very easy to follow.
Harsh Thakkar is professional and helpful. He helped me get my claim processed seamlessly and without any hassle.
Good experiance and supportive team of Zurich Kotal during settlement of Insurance Claim i would like to recommend my team for future insurance renewal with Zurich Kotak.
The surveyor really helped and guide me through the overall process very carefully. He was technically aware and understood the incident and did the best in his capacity to help my case.
Surveyor guided me very well.
Mr. Vikash Tiwari is an exceptional claim manager. It is solely because of his dedicated assistance that I am giving a 10 out of 10 rating. I hope you continue to employ people like him who truly understand how to handle customers with care and empathy.
Everything was taken care of in a very good way and wherever the issue was there it was called an they took care of it
Very good experience. Totally hassle free. Claim also processed quickly. Happy with service and overall response.
Wonderful experience for claim and will recommend this to others and also I will continue with same brand in future.
From claim submission to claim settlement, everything was fast and seamless. I simply submitted the claim, and the rest was efficiently handled by the claim manager. The entire process was smooth and hassle-free.
I am extremely happy with the way Mr Babloo Insurance manager handled my case. He kept me updated and guided in the best possible ways. My interaction with the Insurance team was very promising and transparent. Thanks for your support.
Overall experience was good. It was easy to connect to an assosiate over the phone. Just one thing, when I submitted the name change request through the application it was showing in progress for 4-5 days but when I called the assosiate he mentioned that it is already done, after the call I received the name change letter in my email in 20 Minutes.
Mr. Shubham Suryan helped me a lot in processing insurance.
We are Happy With The Service of Zurich Claim Sevice from Mr Avinash SirThanks Team Zurich Kotak also Mr Avinash Sir
The experiance was so goodThe kotak guys is very humble and polaite also the entire process is verymuch satisfying
First of all thank you very much for timely support and claim process. I am extremely happy the way things were handle and processed the claim without much follow-up. I would like to put on records the service provided by shri Varaprasad who handled claim starting from survey to claim settlement is extremely outstanding.I would like to put one suggestion that, if you can mark the not passed work in the bill with reason to do will be useful for understanding of customers as invoice from garage will all be having only coded items description which is very difficult to understand.There is a delay from the workshop service and so repair delayed and took 3 months is the only inconvenience.Anyhow thank you once again.
Outstanding service by Varaprasad from survey till settlement.
I have had a very good experience with Zurich Insurance. Their service has been professional, responsive, and reliable throughout the process. The team was helpful, explained everything clearly, and made the whole experience smooth and stress-free.I’m very happy with the service I received and would definitely recommend Zurich Insurance to others looking for a trustworthy insurance provider.
Excellent service by the Insurance Surveyor for my car claim. The survey was conducted professionally, smoothly, and in a timely manner. The Surveyor was knowledgeable, cooperative, and guided me properly throughout the claim process. I truly appreciate the efficient handling and support provided. Highly recommended! ⭐⭐⭐⭐⭐
It was a very professionally managed insurance process. Special mention to Mr. ARPAN who handled the entire process in a very polite, through and professional manner. Will definitely be recommending Kotak vehicle insurance for all my family and friends for their through professionalism.Thanks and regards
I truly appreciate and record my sincere thanks to Mr Loganathan Surveyor for his fair and speedy evaluation cum assessment of my vehicle. Huge thanks to his clear communication and guidance through the claim process even during holiday at late evening, 11.30 pm.
The surveyors demeanor was very polite and professional. He arrived on time, completed the vehicle survey, and made the process very smooth. His support during the claims process was excellent. Very helpful.
Had undergone severe stress and strain to register the claim as the bot was ineffective. Even after two attempts and over 30 - 40 minutes the bot just cut off the process. It was a frustrating experience. Also, could not download the claim form too. Finally registered the claim through Policy Bazaar and got the claim form from the workshop. Please work on these. Otherwise it was an appreciable experience and claim was approved within good timeliness.
Kotak Zurich staff who handled my claim were polite and kind. Proper guidance provided through out the claim process. The claim was settled in a timely manner. Kotak Zurich Insurance is reliable and trustworthy. Henceforth, all my insurance will be through Kotak Zurich. I would recommend Kotak Zurich insurance to all my family members and friends.
The surveyor took his sweet time to do the survey ( Late). He then took 2-3 days after all the work was done for the final payment process. I had to wait for 3 days before receiving the vehicle. He then has the audacity to call me up for a 10/10 feedback. All this while talking in a very rudely. He wanted me to be thankful to him that he approved all the accidental parts as if he is doing me a favour. No sir, I have paid enough insurance premium to be treated this way by the surveyor. Please train your employees so that they can talk to the customers professionally.
I had a very smooth and hassle-free experience with Zurich Kotak Car Insurance. The entire claim process was seamless, quick, and well-coordinated. The team was supportive, responsive, and kept me informed throughout the process. Really appreciate the professionalism and customer service. Highly recommended!
Hi Team,I would like to sincerely appreciate the excellent support provided by your surveyor, Mr. Gaurav Sharma.He was extremely polite, professional, and understanding of the urgency of my claim, as I have only one car for my daily commute. Although his workshop visit was originally scheduled for another day, he made a special visit based on my request, inspected the damage, and processed the claim approval promptly while following the required procedures.What impressed me the most was his communication throughout the process. He kept me informed at every stage, clearly explained the next steps, and ensured a smooth and hassle-free experience.I truly appreciate his dedication and customer-first approach. Please convey my gratitude to Mr. Gaurav Sharma and recognize him for his outstanding service.Experiences like this make me happy to be a customer of Kotak Zurich Insurance. Thank you once again, and keep up the excellent work!
I had opted for all the available add-ons, and this was the second time I purchased the policy after specifically adding all the necessary add-ons. Despite having comprehensive coverage and paying the premium accordingly, I was still charged ₹1,035 at the workshop.I feel this is disappointing, especially considering that I had taken the policy again with all the add-ons expecting better coverage and minimal out-of-pocket expenses.Apart from this issue, the overall service and experience were good. However, this unexpected ₹1,035 workshop charge has left me very dissatisfied. I request Kotak General Insurance to please review this matter and clarify why I was charged despite having all the add-ons.
I had a great experience dealing with the team. The entire process was seamless, clear, and handled very professionally. Thank you for the quick resolution and prompt communication! Highly recommended.
Very quick and quality jobs attended by the team . Well coordinated and systematic approach by team I have seen through out the process . I really very happy with team specially Deepak thanks for everything
The insurance claim settlement process was smooth and hassle-free. The team was very supportive and guided me throughout the process. The claim was settled quickly without any major difficulties. I am satisfied with the service and support provided. Thank you for the excellent assistance.
From the day my car met with an accident, I was in contact with the company person Mr Rohit lokare.He promptly initated claim and settlement processAnd guided all possible steps .Thanks Rohit sir and all his teammates
I am very satisfied with the service provided by Zurich Kotak. The entire claim process was smooth and well managed. A special thanks to Mr. Akash Yadav for his outstanding support, prompt response, and professional guidance throughout the process. He was very helpful and ensured everything was handled efficiently. Thank you for the excellent customer service.
I have been very helpful at all stages. Everyone was very helpful and cooperative. Vehicle has been repaired nicely and handed over with inspection. Over all experience has been too good. Thanks to your Team.
Excellent service by Sreejith He was very professional, helpful, and explained the claim process clearly. The inspection and approval were completed promptly. Really appreciate his support and coordination throughout the claim process.
Im extremely happy kotak insurance company..Im two car already purchased this years two car kotak insurance.pearl motors company full support my claim and surveyou loganathan sir full response starting to ending
Value for money and your relationship manager, Mr. Anil, is a very helpful, prompt, responsible, honest, and diligent worker. I have four automobiles, and I have converted my policies to Zurich Kotak, which is the best insurance. Thank you to your relationship manager. is an extremely kind dude
Mr. Anil, surveyor was polite and professional. Explained the process and limitations clearly. He provided regular updates. Was sad to see my vehicle hit and got damaged, but happy that Zurich Kotak smoothly handled and approved the first vehicle insurance claim in my lifetime..
Deepak ji was extremely helpful throughout the entire car insurance claim process. He was always responsive and even answered my queries on his weekly off, which truly reflects his dedication and commitment to his work. I sincerely appreciate his professionalism and support. Thank you, Deepak ji, for making the claim process smooth and hassle-free.
Overall, my experience with Zurich Kotak insurance claim settlement was extremely smooth, and I rate your team 10/10. However, I am quite disappointed with Policybazaar, through whom I bought this policy. They failed to fulfill a key commitment they made to me during the process. Because of Policybazaar’s unfulfilled promise, I am leaving a lower rating here.
All insurance company compare Best top insurance company kotak general insurance...i am 2 vehicle buy in pealr motors showroom two vehicles kotak insurance... surveyor sir loganathan sir is quickly claim process.... thanks.. for Kotak
I am extremely satisfied with the car insurance claim experience with Zurich Kotak. The claim was processed promptly, and the entire experience was seamless and hassle-free. I truly appreciate the excellent customer service and support.
Worksop does not know to match the detailing of color with old parts/Existing Colour.No proper communication on Delivery of vehicle.Delay in all service.Your claim approval & delivery order process should be fastned
To deal with kotak is very much easy. interaction with their staff is very convenient.their service is very good.surveyors are nice and supportive. documents and payment processes are good.overall experience with kotak is very happy.
I had a good experience with the insurance claim process. The team was professional, responsive, and supportive throughout. My queries were addressed promptly, and the process was handled smoothly. Thank you for the excellent service.
Kotak insurance company is good insurance company... surveyor loganathan sir For Supportive Customer Service. Fast settlement process & qick work approval in garage team thanks.. for supporting kotak general insurance company
Awesome service! I would definitely like to continue with this insurance company for my future car insurance. The entire experience was smooth, and I’m very satisfied with the support and service provided.
The prompt n quick response, cooperation, support to customer from claim manager mr rhit shukla, easy and hassle-free settlement and timely updation regarding claim process.Thankyou so much Mr Shukla and team.
The Overall experience with the process was good, The time taken was more than the initial estimated time. Experience with surveyor was good but I think it could be better, I had to follow up with the surveyor on each step for an update. If the surveyor could have been proactive then it will help, and assure customers about the work which happens in the background.
I never ever expected that claim process can be this smooth in India specially. I am extremely impressed and thankful to Zurich Kotak for this great experience. I will persuade at least 100 persons to get any kind of insurance from and only your company.
Mr. Sarmand Ji is very cooperative, humble, and always willing to help. He guides and supports us throughout the entire claim process with patience and professionalism. His dedication, positive attitude, and timely assistance are truly appreciated. Wishing him continued success and all the very best in his future endeavors.
Extremely happy and satisfied with the experience..and I definitely recommend other people to opt for this organisation.Specially thanks to the surveyor Mr. Vishram who total support aur provide guidance ...and help me in receiving claim at very ease. Your organization need such people with utmost dedication and commitment
Had a good experience with Kotak Zurich. The team was professional, responsive, and helpful throughout the process. Customer service was prompt and all my queries were addressed efficiently. Satisfied with the overall experience
Vehicle claim process was handled well. The insurance team responded quickly and ensured on-time delivery of the vehicle. Body shop work was generally good; however, some fitting work was not done properly and could be improved.
Great and prompt service by surveyor. He was prompt and quick to address all the concerns to my satisfaction. His prompt action allowed timely survey of the vehicle, quick assessment and approval of claim and finally grant for DO for timely delivery of the vehicle.
Good service quick starting after initiation. Covered risk again even company given claim in March 26. I would like to recommend my friends and colleagues to take insurance policy from Zurich Kotak General Insurance company. Thanks for all. Regards Vipin Kumar Singh
I would like to Specially Thank Mr.Sathish - Claim Executive who helped in all my doubts from process from till end of payment received. I Appreciate a person who really working for customer. Thanks Kodak.
My experience with Kotak Zurich Insurance is great. I didn’t expect the claim being settled this early. Everyone around me was claiming that the insurance companies take 5-7 months to settle the claims but this company did the work in just 6 weeks from the vehicle entry to the workshop. The partial claim was credited even earlier. Extremely satisfied with the service.
This is the first time i have chosen Zurich Kotak insurance, and my experience has been fantastic. I am very satisfied with their services and look forward to continuing the same insurance company in the future.
Claim process was quite easy, surveyor was easily understand the exact reason of claim submission and he has explain all the points and basis that process the claim.Thank you all the concern person who was part of this process.
Questions you may have regarding Health claims
For cashless claim experience: Select the city, and we will pick up your car in one hour (for select cities). You can choose from any of our partner garages to repair the car, and we will get it fixed and deliver the car back in three days.
For reimbursement claim settlement: You can also opt for the reimbursement claim against your policy with ACKO. In this case, you need to get your car repaired at a garage of your choice and then submit invoices to ACKO. ACKO will compensate as per the terms and conditions of the policy.