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.
Good behaviour your supervisor & on time claim
Excellent response and guidance by zurich team
Good service by provided .Mr. Bhowmik ..Thank you
Overall dealings with Insurance surveyor was excellent
Bhaskar was great and handled my case very well. It was my first time experience and it was so smooth.
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
Very good service provide by Zurich kotak surveyor and workshops
I am glad to see this that your company is very honest and fast i have suggest to outher also to take your insurance
Very good service and survey timely updated and nice response.Way of claim process explanation very very good and polite
Good support. Shyam Banerjee was great. Keep up the good work.
Good service and surveyor mr. gajender is good behaviour.
The entire process was easy and customer friendly. Loganathan advisor was very supportive and explained details clearly.
Surveyor behaviour and dealing is too good
Timely approval and payment post job was excellent. Thank you for all support
Good at all stage of services by kotak zurick.
Payment process is best and insurance surveyor person good behaviour and services is excellent
Your service is good but showroom service is time taken nd poor.
Good ,fast, hastle free service.....
We are satisfied with the smooth and timely support provided by Zurich insurance
Best insurance company every thing was done so hassle free plus the workshop gave to car in best condition
Mr Arpan has handled the entire claim process seamlessly. I am extremely satisfied with the claim settlement procedure.
Excellent service Fast service Surveyor is best
Very smooth processing of claim and my concerns were easily understood
Everything went very well & smooth from beginning till end
Very good support by Aditya sir for claim Process. Very supportive
Thanks team ZurichKotak for good service and Also Thanks to Mr. Gajender
Excellent service. Really I m very happy with your job ..
All are good service timing staff behaviour
Excellent service. Happy with service and all process
Fast service, Excellent for service provider examiner.
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
Excellent customer as well as dealer satisfied approch
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
Extremely smooth and fast processing by Surveyor Mr. Arpan Bhowmick.
The experience was smooth and overall experience was smooth.
Over all experience is smooth and hassle free
Excellent experience i am very happy by surveyor service.
Wow experience and eefucianecybif Calum settlement is too good . Hassle free ..
Everthing is smoothly done without any hasslw
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
Supportive and very helpful also.guide all.the claim process also work approval and vehicle delivery on time thanks for support
Very good services your manager explained us very well and helped us a lot in processing the claim
Very nice experience everything went smooth as butter.
Good experience form kotak general insurance
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.
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.
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.
Very good and very easy to claim the process
Overall very good service by insurance co.
Hassel free claim process, very quick claim approvals and resolutions, good co-ordination with body shop and quicker vehicle delivery due to fast process.
Surveyor is very professional and experienced. He was very helpful calmly explained all of queries I had.
Surveyor behaviour very good. Kotak insurance company is best insurance company. Next time again renewal to kotak.
Thanks you for approval my claim Good service
The total process was extremely smooth and timely at Kiran Motors
Very good service in claim process.Surveyor friendly behaviour.Good market value of your organization.
Good kotak zurich insurance all staff very supportive
Good service of Kotak but need to improve in recomended service centre (Just add authorised service centre)
Excellent service by survey Mr deepander sir
good and quick work by the staff. Overall extremely good. Keep it up
Good job mr. Arpan Bhowmik...thanks for your service.
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
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
It was very nice and smooth experience with Zurich kotak. Very well supported by team. Thank you very much.
My experience was smooth and hassle free
Good service given by surveyor mr. Arpan Bhowmik.thanks
ZuriKotak is best performer and best service good performer and thank you for trilok ji my supporting very good sir
Its really flawless, surveyor is also very cooperative and accessible. Its really a tremendous experience.
I had a great experience with ZURICH KOTAK the process was very smooth i am completely satisfied with the service.
Excellent service and wonderful experience.
Hassle free claim. Have again availed the insurance service for car due to their excellent service.
Very good service. Surveyor was very good.
My claim was processed quickly and smoothly
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.
The entire process was smooth. One of the best vehicle insurance..
Excellent service. The Claim manager Mr.Ravinder is very supportive. 8097652473
Good service claim as finished so smoothly without any obligation happy to have zurich kotak insurance
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.
Claim process went smooth with cashless settlements.
No hassle-experience from surveying till delivery of the vehicle. Fantastic service all around. Thanks !
Very good experience. Hassle free process
Good service Overall quick response Cordial discussion with call center and surveyor Gaurang Quick reimbursement of claim
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.
Very quick setelmentOverall all very good Respance
It has been very good experience and behavior and solution provided by surveyor has been very good.
Very very good excellent work Sarvesh time to table thank you
Good service by both workshop and surveyor
Good entryEasy quick assessment and documentation Time to time feedbackSatisfactory repair workSmooth delivery
Good experiance with service center stadf
Good Work and Completed the vehicle cleaning Good Service
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.
Very cooperative and positive response as and when required�very much satisfied with the service of this insurance providerThanks
Hassle free service, Good work by Zurich Kotak team
Hustle free service claim insurance super easy and ais windshield expert do it super smooth.
Every insurance staff members specially Ravi Sir Narinder Gautam Sir Gurmeet bhurji Sir were very considerate and cooperative and professional in solving my problem.
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.
Very smooth process of inspection and claim approval
All process were so smooth and easy and insurance are also very help full.
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
It was seamless experience. We interacted with workshop advisor and he directly connected with Zurich Kotak surveyor. Overall process was really hassle-free
Good service from zurich kotak, claim process is very fast and easy.
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.