Motor Insurance

Limit your speed, not your vehicle insurance

Motor Insurance
Motor insurance
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6500+ Cashless Garages

6500+ Cashless Garages

Jet-Speed Claims

Jet-Speed Claims

Upto 50% No Claim Bonus

Upto 50% No Claim Bonus

24/7 Around The Clock Assistance

24/7 Around The Clock Assistance

Note: The above data is till 1st April, 2025

Why should you buy motor vehicle insurance?

  • Legally mandatory

    Legally mandatory

    Legally mandatory

    Firstly, a insurance policy is mandated by law. The Motor Vehicles Act of 1988 requires every vehicle to be insured under a valid third-party coverage before you take it for a spin. So, to comply with the legal requirements and avoid penalties, insurance becomes a must.

  • Coverage against third party liabilities

    Coverage against third party liabilities

    Coverage against third party liabilities

    Third-party liabilities occur if your vehicle physically hurts or kills another individual or causes third-party property damage. These contingencies are covered under the policy. Get coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicle Act. To know more about difference between third-party and comprehensive insurance click here

  • Coverage against man-made and natural calamities

    Coverage against man-made and natural calamities

    Coverage against man-made and natural calamities

    A comprehensive insurance plan covers both man-made and natural calamities. Enjoy coverage against damages suffered due to earthquakes, lightning, flood, hurricanes, storm, landslide, fire, riots, strike, explosion, etc.

  • Theft cover

    Theft cover

    Theft cover

    If your vehicle is stolen, you not only lose an asset, but also incur a considerable financial loss. This loss is covered under a comprehensive policy and you get compensated for the loss suffered.

  • Add-ons Covers

    Add-ons Covers

    Add-ons Covers

    Comprehensive insurance plans allow a range of add-ons that enhance the coverage. You can get 24/7 assistance in the case of emergencies, nullify the effect of depreciation on the claim, get the original invoice value of the vehicle in the case of theft or total loss and more. Choose one or more add-ons and get to enhance the cover and make your policy more inclusive.

  • Compensation for financial loss

    Compensation for financial loss

    Compensation for financial loss

    If your vehicle suffers a damage, you might incur a considerable financial outgo on its repairs. In the case of a theft, the loss is considerable as vehilcles are expensive. Third-party liabilities might also amount to a sizeable financial strain. A comprehensive insurance policy takes care of these contingencies and compensate you for the loss that you might suffer.

  • Personal accident cover

    Personal accident cover

    Personal accident cover

    Every owner-driver must hold personal accident cover of ₹15 lakh. It pays a fixed benefit if you suffer accidental death or permanent total disability while driving your insured vehicle. You need only one such cover across all the vehicles you own.

  • Legal liability to paid drivers

    Legal liability to paid drivers

    If you employ a driver, cleaner or conductor, this covers your legal liability if they are injured or killed while on duty with your vehicle.

Key features of Zurich Kotak Motor Insurance

  • Cashless servicing across India

    Cashless servicing across India

    Cashless servicing across India

    With access to a wide network of 6,500+ cashless garages, Zurich Kotak makes vehicle insurance more convenient by allowing repairs without upfront payments. Whether you are travelling locally or on long drives, cashless servicing helps reduce stress during unexpected breakdowns or accidents.

  • No Claim Bonus (NCB) benefits

    No Claim Bonus (NCB) benefits

    No Claim Bonus (NCB) benefits

    If you switch insurers during vehicle insurance renewal, your existing No Claim Bonus can be retained, subject to policy terms. This ensures that claim-free driving continues to translate into lower vehicle insurance rates over time.

  • Premium discounts and savings

    Premium discounts and savings

    Premium discounts and savings

    Zurich Kotak offers opportunities to reduce premiums through options such as voluntary deductibles, in addition to compulsory deductibles. Members of recognised Automobile Associations of India (AAI) may also be eligible for additional discounts, helping make motor insurance online renewal and buying vehicle insurance online more cost-effective.

  • AAI Members Discount

    AAI Members Discount

    AAI Members Discount

    If you're an active member of a recognized Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums

Types of Motor insurance policies by Zurich Kotak

  • Car insurance

    Car insurance covers the cost of damages sustained by a privately owned car. Our comprehensive motor insurance plan, Car Secure, is specifically designed to offer broad protection for private cars, covering both own damage and third-party liabilities. If you're looking for reliable car insurance plans , this motor insurance ensures complete coverage, providing peace of mind for vehicle owners.

  • Two-wheeler insurance

    Two Wheeler insurance is applicable for all two-wheelers, such as bikes and scooters. Our comprehensive Long Term Two-Wheeler Policy provides coverage for third party insurance and own damage insurance for two-wheelers along with Personal Assistance cover for the driver-owner.

  • Passenger carrying vehicle insurance

    Passenger carrying vehicle insurance  covers commercial vehicles that transport passengers from one place to another. Our motor insurance policy for passenger-carrying vehicles provides coverage for own damage, third party liability insurance, and personal accident cover to all the passengers if the passengers are limited to the carrying capacity.

  • Goods carrying vehicle insurance

    Goods carrying vehicle insurance policy covers any damages to vehicles that are used for the transportation of goods. Our Commercial Vehicle Secure is a comprehensive truck insurance plan that provides complete protection to your vehicle and third-party liability. It ensures coverage to all electrical, non-electrical accessories, and bi-fuel systems of the vehicle.

  • Miscellaneous vehicle insurance

    Miscellaneous vehicle insurance  is a type of motor insurance for all other commercial vehicles such as tractors, construction vehicles, etc. Our miscellaneous vehicle insurance plan covers everything from tractors and excavators to shovels, grabs, mobile rigs, and more.

Pro tip

Bumper to bumper cover (Zero depreciation cover)

Zero depreciation cover is like a magic shield for your car! It ensures that even if your car faces damages, you won’t have to bear the brunt of depreciation costs, making it equivalent to “bumper-to-bumper” protection plan!

Comprehensive Vs Third party car insurance policy

Comprehensive Vs Third party car insurance policy
Premium featuresComprehensive car insuranceown damage car insurance
Cashless repairsCashless repairsIncludedIncluded
No claim bonus up to 50%No claim bonus up to 50%IncludedIncluded
Coverage to electrical/non-electrical accessoriesCoverage to electrical/non-electrical accessoriesIncludedIncluded
Coverage to bi-fuel systemsCoverage to bi-fuel systemsIncludedIncluded
Damage to third party propertyDamage to third party propertyIncludedNot included
Third party’s death or injuryThird party’s death or injuryIncludedNot included
Depreciation Cover Add-onDepreciation Cover Add-onIncludedNot included
Extra coverage with optional add-onsExtra coverage with optional add-onsIncludedIncluded
Standard features
Car damageCar damageIncludedIncluded
Theft coverageTheft coverageIncludedIncluded
Personal accident coverPersonal accident coverIncludedNot included
Car damage due to natural disastersCar damage due to natural disastersIncludedIncluded
Car damage due to man-made calamities eg: riotsCar damage due to man-made calamities eg: riotsIncludedIncluded
Car damage due to fireCar damage due to fireIncludedIncluded

Third party car insurance price list

These are the base third party premium rates for private cars, notified by the Ministry of Road Transport and Highways in consultation with IRDAI and effective from 1 June 2022. The rates are the same across all insurers. GST applies on top.

Third party car insurance price list

Engine cubic capacity (CC)

Third party premium

Less than 1,000cc₹2,094
More than 1,000cc and less than 1,500cc₹3,416
More than 1,500cc₹7,897

Motor Insurance Add-On Covers

  • Depreciation Cover

    Depreciation Cover

    Secure the depreciation value of your motor in case of total loss with our depreciation cover. With this cover, you can claim the maximum amount of your vehicle without any deduction for depreciation. Know more about depreciation add on coverage

  • Consumables Cover

    Consumables Cover

    With consumables cover, you get compensated for the replacement of consumable items like lubricants, engine oil, brake oil, power steering oil, AC gas, nuts, bolts, grease, etc. This cover saves you from having to pay out of your own pocket for these consumables. Know more about consumables add on coverage .

  • Engine Protect

    Engine Protect

    Your vehicle’s engine is in a state of constant wear and tear and, hence, it is subject to damage. With an engine protect cover, you can get compensated for consequential losses caused to the vehicle's engine or/and its parts due to incidents like water ingression, leakage of lubricant oil, etc. Know more about engine protect add on .

  • Return to Invoice

    Return to Invoice

    In case of a total loss of your vehicle due to theft or accident, you can get compensated with the insured declared value (IDV) of the car with the help of the Return to Invoice add-on. This add-on cover is not applicable for transfer of ownership cases. Know more about return to invoice add on coverage

  • Tyre Cover

    Tyre Cover

    Your vehicle’s tyres are exposed to incessant struggles as they bear the weight of the vehicle while at the same time surviving the bad road conditions. Hence, it is vulnerable to suffering damage. Using tyre protection cover, you can get compensated for the repair, replacement, as well as labour charges incurred. This cover is valid upto 1.5 years only with tyre serial number. Know more about car insurance Tyre cover add on .

  • 24X7 Roadside Assistance

    24X7 Roadside Assistance

    With our 24*7 roadside assistance, you can protect your vehicle from unexpected on-the-road inconveniences. This cover provides you with backup under the following circumstances.

    • Towing due to an accident or breakdown

    • Battery jump start

    • Arrangement/Supply of fuel

    • Emptying of the fuel tank

    • Flat tyre(s)

    • Breakdown support over the phone

    • Taxi benefits

    • Arrangement of keys

    • Message relay

    • Minor repairs.

    Know more about car insurance raod assistance add on .

  • Daily Allowance

    Daily Allowance

    When your vehicle is under repair for more than two days, you can continue with your customary work and chores using the add-on cover of daily allowance. know more about daily car allowance add on .

  • Loss of Personal Belongings

    Loss of Personal Belongings

    There are chances that in the case of accidents, it’s not just your vehicle that faces damage but also personal belongings that were inside the vehicle. With this protection cover, you can be compensated for the loss of personal belongings as per the IDV of your policy. know more about car insurance loss of personal belongings add on .

  • Passenger personal accident cover

    Extends personal accident cover to passengers travelling in your vehicle, up to its registered seating capacity. You choose the sum insured per passenger.

  • Depreciation Cover

    Without a depreciation cover, these deductions apply to the cost of replaced parts at claim.

    Part

    Depreciation applied

    Rubber, nylon and plastic parts, tyres, tubes, batteries, airbags

    50%

    Fibreglass components

    30%

    Glass

    Nil

    Metal parts, by vehicle age

    Depreciation applied

    Up to 6 months

    Nil

    6 months to 1 year

    5%

    1 to 2 years

    10%

    2 to 3 years

    15%

    3 to 4 years

    25%

    4 to 5 years

    35%

    5 to 10 years

    40%

    Over 10 years

    50%

    A depreciation cover removes these deductions on eligible claims, so you receive the full cost of the replaced part.

How to choose the right car insurance policy online?

How to use a vehicle insurance calculator?

A vehicle insurance calculator helps estimate premiums instantly. Follow these steps:

1. Enter your vehicle registration number or select make and model.
2. Provide details such as year of manufacture and city.
3. Choose coverage type and add-ons.
4. The system calculates the premium based on car insurance rates and IDV.
5. Review vehicle insurance quotes before purchase.

Things to consider while buying motor insurance online

  • Check the coverage offered: Make sure the policy provides the protection you need. Look at what events are covered, such as accidents, theft, fire, natural and man-made disasters, and third-party liabilities.

  • Evaluate add-on options: Standard coverage may not include everything you want. Consider useful add-ons like zero depreciation, roadside assistance, or engine protection to enhance your policy.

  • Look at the claim process and settlement ratio: A smooth claim process and a high claim settlement ratio are signs of a reliable insurer. This can make a big difference when you actually need to raise a claim.

  • Compare premiums: Don’t choose based on price alone. Look at premium amounts alongside coverage, deductibles, and exclusions. Comparing multiple quotes helps you find good value.

  • Check network garages: Ensure the insurer has a strong network of cashless repair garages near you. This makes repairs easier and reduces out-of-pocket expenses.

  • Read terms and exclusions: Review the policy’s fine print, including exclusions and limits. Knowing what is not covered helps avoid surprises during claims.

How to buy car insurance policy online

1

Click on the "get a car insurance quote" button on the Zurich Kotak car insurance page

2

Fill in your car details such as registration number, model, make etc.

3

Fill in you personal details and make the payment online.

How to download your policy copy

Losing your vehicle insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your motor insurance policy copy from our website.

1

Click on the link

2

Enter your policy number

3

Enter your registered mobile number Or your registered email Id

4

Click on Get OTP

5

Type the OTP and click on download insurance policy document

How to file a motor insurance claim at Zurich Kotak

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
6
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

Cashless garages near you

Buying a car insurance policy gives you access to 6,500+ cashless network garages, which provide convenient and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

Why should you renew car insurance policy without break in

Continuous coverage

Renewing your car insurance policy without a break ensures that you maintain continuous coverage. A gap in coverage is considered as a potential risk and it may result in higher premiums when you decide to get a coverage again.

Financial protection

Car insurance provides financial protection and stability against unexpected events like accidents, theft or damage to your vehicle. You will have to bear full cost of repair or replacement without insurance which can be substantial.

No loss of benefits

No-claims bonus or discounts are few benefits that accumulate over time for loyal customers. Renewing your car insurance policy can provide significant savings on your premiums and you can enjoy such benefits.

Faster online renewal

Vehicle insurance renewal online takes a few minutes and can be done any time, so cover continues without a break. You can pay by net banking, UPI, or card, and the renewed policy is issued digitally.

How to renew your motor insurance online

Vehicle insurance renewal online helps you maintain continuous coverage and keep your No Claim Bonus.

1

Visit the Zurich Kotak General Insurance website, go to the Renewal section, and enter your existing policy number along with your registered mobile number.

2

Verify your details using the OTP sent to your mobile.

3

Review your current coverage, IDV, and No Claim Bonus, then make any necessary changes.

4

Proceed with the payment, after which your renewed policy will be issued digitally.