Motor claim - File your claim in minutes

An OTP will be sent to the policy holder's linked mobile number on proceed.

What is car insurance claim?

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!

Types of car insurance claims

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.

Cashless claims

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.

Reimbursement claims

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.

Steps to file or raise a motor claim

Step : 1

Notify us

You can register your claim via the Website, Zurich Kotak mobile app, or WhatsApp "Hi" on 7998879988

Documents required for claim

Accident / Damage
Driving licence of the driver
Duly filled car insurance claim form
A copy of the insurance policy certificate
FIR (if lodged)
Registration Certificate (RC) of the insured vehicle
Fire Brigade Report if lodged
Cancelled cheque
Pictures of the damages to the vehicle
Original repair bills (in case of reimbursement)
Original payment receipts (in case of reimbursement)
Original purchase invoice (if opted for Return to Invoice add-on cover)
Theft / Stolen
FIR
Registration Certificate of the insured vehicle
Duly filled car insurance claim form
Driving licence of the owner-driver
A copy of the insurance policy certificate
Non-Traceable Certificate (NTC) from the local police
Original purchase invoice (if opted for Return to Invoice add-on cover)
Note : To avail the Cashless Claim facility, please visit the nearest Network garages. Additionally, please refer to the list of Excluded garages.

Track claim using Zurich Kotak App

1

Login to ZKGI App

You can login with your credentials and navigate to the menu to access claim tracking.

2

Track claim

Choose “Claims” from the bottom menu and go to “Claim Status"

3

View claim status

See real‑time updates on your claim progress directly in the app.

How to Avoid Car Insurance Claim Rejections?

Understand Your Policy

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.

Depreciation cover

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.

Keep Documents Updated

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.

Follow Traffic Rules

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.

Inform Before Repairs

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.

Transfer Insurance for Used Cars

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.

Learn more about motor claims

Role of the surveyor in the claim process

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 and validate

Investigate, quantify and validate the extent of loss and report the same back to us.

Provide unbiased assessment

Provide professional and unbiased assessment and adhere to the strict code of conduct.

Work in a time-bound manner

Provide and complete the assessment within the stipulated time frame.

Provide clear update to the policyholder

During the survey or assessment, the surveyor needs to educate the policyholder about the claim process and the evaluation of the damages.

Motor claim reviews & ratings

Rohit Subhash Bhavsar

Rohit Subhash Bhavsar

5/5

Good behaviour your supervisor & on time claim

Amudha Adhimulam

Amudha Adhimulam

5/5

Excellent response and guidance by zurich team

Santilata

Santilata

5/5

Good service by provided .Mr. Bhowmik ..Thank you

Felix P A

Felix P A

5/5

Overall dealings with Insurance surveyor was excellent

Beera Homes Llp

Beera Homes Llp

5/5

Bhaskar was great and handled my case very well. It was my first time experience and it was so smooth.

Harmeet Singh Matta

Harmeet Singh Matta

5/5

Very Satisfied with the support and help I received.The whole process was handled professionally and I received the car in perfect condition. Thank you for the great experience

Annu  Kumari

Annu Kumari

5/5

Very good service provide by Zurich kotak surveyor and workshops

Mr Aamir Khan

Mr Aamir Khan

5/5

I am glad to see this that your company is very honest and fast i have suggest to outher also to take your insurance

Rajesh B

Rajesh B

5/5

Very good service and survey timely updated and nice response.Way of claim process explanation very very good and polite

Anand  Das

Anand Das

5/5

Good support. Shyam Banerjee was great. Keep up the good work.

Ombir  Singh

Ombir Singh

5/5

Good service and surveyor mr. gajender is good behaviour.

GSridhar  G

GSridhar G

5/5

The entire process was easy and customer friendly. Loganathan advisor was very supportive and explained details clearly.

Rohit Sharma

Rohit Sharma

5/5

Surveyor behaviour and dealing is too good

Ranjay Kumar Tiwari

Ranjay Kumar Tiwari

5/5

Timely approval and payment post job was excellent. Thank you for all support

Dinanath Sharma Jitan

Dinanath Sharma Jitan

5/5

Good at all stage of services by kotak zurick.

Sharada Prasanna Parija

Sharada Prasanna Parija

5/5

Payment process is best and insurance surveyor person good behaviour and services is excellent

Nabakishor  Patel

Nabakishor Patel

4.5/5

Your service is good but showroom service is time taken nd poor.

Shankar Halder

Shankar Halder

5/5

Good ,fast, hastle free service.....

Kotak Mahindra Life Insurance Company Ltd

Kotak Mahindra Life Insurance Company Ltd

5/5

We are satisfied with the smooth and timely support provided by Zurich insurance

Mo Farukh

Mo Farukh

5/5

Best insurance company every thing was done so hassle free plus the workshop gave to car in best condition

Soumyadip  Sarkar

Soumyadip Sarkar

5/5

Mr Arpan has handled the entire claim process seamlessly. I am extremely satisfied with the claim settlement procedure.

Kuldip Digambar Yadav

Kuldip Digambar Yadav

5/5

Excellent service Fast service Surveyor is best

Siddharth Agarwal

Siddharth Agarwal

5/5

Very smooth processing of claim and my concerns were easily understood

Abhishek  Gupta

Abhishek Gupta

5/5

Everything went very well & smooth from beginning till end

Vishnubhagwan Prabhakar Jadhav

Vishnubhagwan Prabhakar Jadhav

5/5

Very good support by Aditya sir for claim Process. Very supportive

Vikash  Kumar

Vikash Kumar

5/5

Thanks team ZurichKotak for good service and Also Thanks to Mr. Gajender

Pankaj  Parashar

Pankaj Parashar

5/5

Excellent service. Really I m very happy with your job ..

Pooja Last Name

Pooja Last Name

5/5

All are good service timing staff behaviour

Rohit Rajkumar Sharma

Rohit Rajkumar Sharma

5/5

Excellent service. Happy with service and all process

Gurpalsingh

Gurpalsingh

5/5

Fast service, Excellent for service provider examiner.

Siddharth Goswami

Siddharth Goswami

5/5

I gave my car on Thursday and surveyer visited same day and given approval to start work and by Monday I received my car. Overall experience was Excellent

Satya Narayana Satapathy

Satya Narayana Satapathy

5/5

Excellent customer as well as dealer satisfied approch

V Sunil Kumar

V Sunil Kumar

5/5

As I was away from place of workshop all correspondences were done ought mail and phone. There was always positive reply and result oriented action from insurance service provider

Kusum Towers Pvt Ltd

Kusum Towers Pvt Ltd

5/5

Extremely smooth and fast processing by Surveyor Mr. Arpan Bhowmick.

Dharmendra  Agarwal

Dharmendra Agarwal

4.5/5

The experience was smooth and overall experience was smooth.

Balaji  Ps

Balaji Ps

5/5

Over all experience is smooth and hassle free

Ravi Singh Parihar

Ravi Singh Parihar

5/5

Excellent experience i am very happy by surveyor service.

Surinder Singh Chowdhary

Surinder Singh Chowdhary

5/5

Wow experience and eefucianecybif Calum settlement is too good . Hassle free ..

Nikhil Garg

Nikhil Garg

5/5

Everthing is smoothly done without any hasslw

Tejinder  Kour

Tejinder Kour

5/5

I highly recommend this insurance to everyone because they are professionals and they know what they doing. Claim process was very smooth as well as payment process. No hassles. Thank you

Ramniklal Kalidas Panchal

Ramniklal Kalidas Panchal

5/5

Supportive and very helpful also.guide all.the claim process also work approval and vehicle delivery on time thanks for support

Anil  Sisodiya

Anil Sisodiya

5/5

Very good services your manager explained us very well and helped us a lot in processing the claim

Satvik  Soma

Satvik Soma

5/5

Very nice experience everything went smooth as butter.

Adhunik Guds  Services Private Limited

Adhunik Guds Services Private Limited

5/5

Good experience form kotak general insurance

Vivek Kumar Ambasta

Vivek Kumar Ambasta

5/5

Interacting with surveyor was excellent, very kind and polite. The process was smooth with minimal time with speedy claim transfer to the workshop.Impressed and highly recommendable.

Mahinder Arya

Mahinder Arya

5/5

Everything was done almost perfect by Zurich Kotak no delay no excuses conversation in details but to point. In my lifetime have availed 2 claims in 40 years that too not for my fault of accident and every time had no difficulty. Thanks for cooperation and prompt action.

Abhishek  Meena

Abhishek Meena

5/5

Overall, I had a good experience with the survey process. Mr. Rahul Sharma was helpful, cooperative, and guided me properly throughout the inspection. The process was smooth and satisfactory.

Sanjay Singh

Sanjay Singh

5/5

Very good and very easy to claim the process

R Ganapathy

R Ganapathy

5/5

Overall very good service by insurance co.

Yogesh  Ekhande

Yogesh Ekhande

5/5

Hassel free claim process, very quick claim approvals and resolutions, good co-ordination with body shop and quicker vehicle delivery due to fast process.

Jatin  Kumar

Jatin Kumar

5/5

Surveyor is very professional and experienced. He was very helpful calmly explained all of queries I had.

Saurabh  Saini

Saurabh Saini

5/5

Surveyor behaviour very good. Kotak insurance company is best insurance company. Next time again renewal to kotak.

Bharatsinh  Solanki

Bharatsinh Solanki

5/5

Thanks you for approval my claim Good service

Patel Kamlesh Maganbhai

Patel Kamlesh Maganbhai

5/5

The total process was extremely smooth and timely at Kiran Motors

Virendra  Verma

Virendra Verma

4.5/5

Very good service in claim process.Surveyor friendly behaviour.Good market value of your organization.

Kaushik Vinodbhai Thesiya

Kaushik Vinodbhai Thesiya

5/5

Good kotak zurich insurance all staff very supportive

Ghanshyambhai  Khunt

Ghanshyambhai Khunt

5/5

Good service of Kotak but need to improve in recomended service centre (Just add authorised service centre)

Sunnyraj Agarawal

Sunnyraj Agarawal

5/5

Excellent service by survey Mr deepander sir

Ravi R Nair

Ravi R Nair

4.5/5

good and quick work by the staff. Overall extremely good. Keep it up

Sayanti Biswas

Sayanti Biswas

5/5

Good job mr. Arpan Bhowmik...thanks for your service.

Manya Manya Lastnameunknown

Manya Manya Lastnameunknown

5/5

I 've had a consistently smooth experience with Zurich Kotak whenever I 've made a claim. The inspections are always conducted promptly, and the overall process has been hassle-free. I 'd definitely rate the organization highly

Hemanta Khan

Hemanta Khan

5/5

The surveyor carried the process smoothly so it became very easy for me to interact with him and convey the issue.His friendly approach is praiseworthy

Sanjay Suresh Ghorpade

Sanjay Suresh Ghorpade

5/5

It was very nice and smooth experience with Zurich kotak. Very well supported by team. Thank you very much.

Shilpa Maleyvar

Shilpa Maleyvar

5/5

My experience was smooth and hassle free

Arunita  Ghosh

Arunita Ghosh

5/5

Good service given by surveyor mr. Arpan Bhowmik.thanks

Mazhar Khan

Mazhar Khan

5/5

ZuriKotak is best performer and best service good performer and thank you for trilok ji my supporting very good sir

Mr Rahul Kumar

Mr Rahul Kumar

5/5

Its really flawless, surveyor is also very cooperative and accessible. Its really a tremendous experience.

Sant Kumar Dubey

Sant Kumar Dubey

5/5

I had a great experience with ZURICH KOTAK the process was very smooth i am completely satisfied with the service.

Durg Singh Chouhan

Durg Singh Chouhan

5/5

Excellent service and wonderful experience.

Vivek  Kumar

Vivek Kumar

5/5

Hassle free claim. Have again availed the insurance service for car due to their excellent service.

Saurav Kumar

Saurav Kumar

5/5

Very good service. Surveyor was very good.

Ruchika  Verma

Ruchika Verma

5/5

My claim was processed quickly and smoothly

Rajith  Np

Rajith Np

5/5

I had a smooth and reliable experience with the insurance company. Their customer support was responsive, the claim process was quick and hassle-free, and overall service was professional and trustworthy.

Chidambaram Sundarrajan  Jagannath

Chidambaram Sundarrajan Jagannath

5/5

The entire process was smooth. One of the best vehicle insurance..

Jyoti  Rathee

Jyoti Rathee

5/5

Excellent service. The Claim manager Mr.Ravinder is very supportive. 8097652473

Madhalam Chandra Kiran

Madhalam Chandra Kiran

5/5

Good service claim as finished so smoothly without any obligation happy to have zurich kotak insurance

Isha Kumari

Isha Kumari

5/5

Great experience with Kotak Zurich for smooth processing of my claim. Special thanks to Mr Arpan for hind kind cooperation and help throughout the process.

Immanuel Stalin R

Immanuel Stalin R

4.5/5

Claim process went smooth with cashless settlements.

Kamal And Kamal

Kamal And Kamal

5/5

No hassle-experience from surveying till delivery of the vehicle. Fantastic service all around. Thanks !

Biswanath Rooj

Biswanath Rooj

5/5

Very good experience. Hassle free process

Sagar Arun Kirpekar

Sagar Arun Kirpekar

5/5

Good service Overall quick response Cordial discussion with call center and surveyor Gaurang Quick reimbursement of claim

Sandipan  Manna

Sandipan Manna

5/5

Best company and surveyor.Specially Mr subho dutta whi is appointed for the loss really good more than my expectations.Thanks full team of zurick kotak,and Mr Dutta .Good job carry on.

V Bhujanga Rao

V Bhujanga Rao

4.5/5

Very quick setelmentOverall all very good Respance

Ashutosh  Rathore

Ashutosh Rathore

5/5

It has been very good experience and behavior and solution provided by surveyor has been very good.

Raj  Kumar

Raj Kumar

5/5

Very very good excellent work Sarvesh time to table thank you

Paragkumar Ramesh Sonare

Paragkumar Ramesh Sonare

4.5/5

Good service by both workshop and surveyor

Anagha Abhoy Sinha

Anagha Abhoy Sinha

5/5

Good entryEasy quick assessment and documentation Time to time feedbackSatisfactory repair workSmooth delivery

Rukhsar  Bano

Rukhsar Bano

5/5

Good experiance with service center stadf

Bhoya  Mukeshbhai

Bhoya Mukeshbhai

4.5/5

Good Work and Completed the vehicle cleaning Good Service

Sudeshna  Sarkar

Sudeshna Sarkar

5/5

Service was Amazing.Mr. Arpan Bhowmik help me and processed claim in very fast way. Also appreciated his followup from first to last.Thank you Arpan babu.Keep it up.

Gopal Krishna Gautam

Gopal Krishna Gautam

5/5

Very cooperative and positive response as and when required�very much satisfied with the service of this insurance providerThanks

Raghu B G

Raghu B G

5/5

Hassle free service, Good work by Zurich Kotak team

Abhishek

Abhishek

5/5

Hustle free service claim insurance super easy and ais windshield expert do it super smooth.

Gurwinder  Kaur

Gurwinder Kaur

5/5

Every insurance staff members specially Ravi Sir Narinder Gautam Sir Gurmeet bhurji Sir were very considerate and cooperative and professional in solving my problem.

P V Ratna Kumari

P V Ratna Kumari

5/5

After raising issue survey initiated in app but no one contacted. After launching complaint through mail process started smoothly and efficiently. Polite behaviour of surveyor can be appreciated. Later on each step processed without delay. My doubts were cleared about claiming of insurance. Thanks to Zurich Kotak and officers involved in this process.

Aditya  Jain

Aditya Jain

5/5

Very smooth process of inspection and claim approval

Sandeep  Bharti

Sandeep Bharti

5/5

All process were so smooth and easy and insurance are also very help full.

Naveen

Naveen

5/5

Very nice experience and as commitment my all payment are recived Thanks you to Zurich kotak general insurance and mr.vanvir for all support with me

Ashadevi Shantilal Joshi

Ashadevi Shantilal Joshi

5/5

It was seamless experience. We interacted with workshop advisor and he directly connected with Zurich Kotak surveyor. Overall process was really hassle-free

Neetu  Gupta

Neetu Gupta

5/5

Good service from zurich kotak, claim process is very fast and easy.

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Frequently asked questions

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.