Motor Insurance

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You can insure 2 adults with age 18-65 years and 3 children with age 91 days to less than 18 years

Buy online to avail 2.5% discount on policy premium

Renew policy now & stay always covered

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Instant car policy with zero paper-work

Instant policy with zero paper-work

Quick and hassle-free car claim process

Quick and hassle-free claim process

Zurich Kotak General Car Insurance Google Ratings

4/5

We take your safety seriously

Cashless Garages

4200+

Cashless Garages

Insurance Claim

Jet-Speed

Claims

No Claim Bonus

Upto 50%

No Claim Bonus

Car Claim Settlement Ratio

94%

Claim Settlement Ratio

24/7-Around-The-Clock-Car-Assistance

24/7

Around The Clock Assistance

*The above data is till 1st May, 2024

What is Motor Insurance?

Motor insurance, also known as vehicle insurance, is a policy designed to shield vehicle owners from potential financial losses resulting from damages to their vehicles. These damages may arise from accidents, theft, or various natural or man-made calamities. A motor insurance policy offers coverage for all types of vehicles, whether it's a personal car, two-wheeler, or any commercial vehicle.

Having a motor insurance policy is essential for every vehicle on the road to safeguard against potential financial setbacks resulting from vehicle damage. Vehicle insurance ensures that the insurer covers repair costs in exchange for the regular premium payments made towards the policy. In the event of a total loss, such as theft or irreparable damage, the motor insurance provider compensates you with the full insured amount for your vehicle.

Motor insurance policy that includes third party liability also pays for any damages caused by your vehicle to the third-party person or property.

Car Insurance - Zurich Kotak General Insurance

Key features of Zurich Kotak Motor Insurance

Zurich Kotak Motor insurance caters to your needs by providing top-notch features that give you benefits in multiple ways throughout your Motor insurance journey.Car Safety

Cashless car servicing

Cashless servicing.

Wherever your long drives take you, our extended network of garages will allow you to enjoy hassle-free cashless service across the country.

NCB discounts & entitlements

NCB discounts & entitlements

Are you worried about losing your No Claim Bonus (NCB) if you switch your insurance policy? There is no need to worry, as you can retain your NCB benefits (as per your expiring policy) when you choose to shift your insurance policy from another insurer to Zurich Kotak General Insurance.

Car Premium discounts

Premium discounts

Get an additional discount (as per the tariff) on your car insurance premium when you opt for Voluntary Deductible in addition to Compulsory Deductible.

Additional Zurich Kotak Car Insurance features

We believe in going above and beyond for your safety. Check out our new additional featuresimage

Affordable premiums

Affordable premiums

Get coverage with affordable premiums

Optional Add-on

Optional Add-on

Range of add-ons for wider coverage

Third-party car liability

Third-party liability

Coverage against third-party bodily injury, death and property damage

Own Damage Car Cover

Own Damage Cover

Coverage of Rs.15 lakhs against accidental deaths and permanent disablements

Personal accident cover

Personal accident cover

Coverage of Rs.15 lakhs against accidental deaths and permanent disablements

Easy cashless claims

Easy cashless claims

Network of 4200+ garages for easy cashless claims

Claim TAT1

Claim TAT

Quick settlement of claims, jet-speed style

No Claim Bonus

No Claim Bonus

Enjoy up to 50% NCB and reduce your premiums

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Round-the-clock assistance

We are at your service, 24/7

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Policy purchase

Online issuance and renewals

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Documentation

Zero paperwork needed

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Add-ons available

24x7 Roadside Assistance, Daily Car Allowance, Engine Protect, Depreciation Cover, Return to Invoice, Consumables Cover, Tyre Cover, Loss of personal belonging, Key Replacement, NCB Protect & Switch On/ Switch Off (METER)

Why Do You need car insurance?

Car insurance is your safety net on the roads. Explore more why you need itimage

Legally mandatory

Legally mandatory

Firstly, a car insurance policy is mandated by law. The Motor Vehicles Act of 1988 requires every car 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, car insurance becomes a must.

Coverage against third party liabilities

Coverage against third party liabilities

Third-party liabilities occur if your car 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 car insurance click here

Coverage against man-made and natural calamities

Coverage against man-made and natural calamities

A comprehensive car 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.

Car Theft cover

Theft cover

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

Car Add-ons Covers

Add-ons Covers

Comprehensive car 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 car 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. Know more about comprehensive car insurance in India and add-ons here.

Compensation for financial loss

Compensation for financial loss

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

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Personal accident cover

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

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Peace of mind

Comprehensive car 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 car 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. Know more about comprehensive car insurance in India and add-ons here.

Types of Motor insurance policies by Zurich Kotak

Know the diverse range of our Insurance Plans and find the perfect one that suits your driving needsimage

Comprehensive car insurance

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. This motor insurance ensures complete coverage, providing peace of mind for vehicle owners.

Third party car insurance

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 liability and own damage insurance for two-wheelers along with Personal Assistance cover for the driver-owner.

Own damage car insurance

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.

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Optional Covers of Zurich Kotak Motor Insurance

By selecting your top choices from the available range of optional covers, you have an opportunity to build a motor insurance policy that caters to your personal needs. For extended protection and to secure your vehicle under dynamic circumstances, you caright

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 car insurance 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 car insurance 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 car insurance 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.

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 Car Allowance

Daily Car 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 car allowance. know more about car insurance 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.

Why choose Zurich Kotak for online Motor Insurance

Experience seamless protection and security with usimage

You and Car Secure have the mutual goal of keeping your car safe and sound. Under any unforeseen circumstances, Zurich Kotak Car Insurance provides all-around protection. With Car Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Zurich Kotak’s cashless garage network across India.

Time Saving Car Policy

Time Saving Car Policy

No need to spend hours in buying a car insurance policy for your car. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your car and take it for a spin without worrying about potential financial losses.

Money Saving Car Policy

Money Saving Car Policy

Zurich Kotak Car Insurance comes at affordable premiums starting as low as Rs.2094. So, insure your car without burning a hole in your pockets with Zurich Kotak Car Insurance plans.

Effort Saving Car Policy

Effort Saving Car Policy

At Zurich Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

Instant discounts on Car Policy

Instant discounts on Car Policy

Zurich Kotak offers car insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.

24x7 Customer care support for car policy

24x7 Customer care support for car policy

Need help in buying, renewing or making a claim on your car insurance policy? Zurich Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.

Trusted and reliable car policy

Trusted and reliable car policy

At Zurich Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

Cut the wait time

We process your claim @ Jet-speedimage
Intimate Claim

Intimate Claim

Quick Verification

Quick Verification

Instant Settlement

Instant Settlement

Know More

Zurich Kotak Motor Insurance Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Car Insurance

Entire process starting from claim registration to the completion was very speedy and smooth. After claim registration I did not need to talk or remind the company. It was my first experience of its kind which I felt wonderful. Thanks Kotak General Insurance!

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Car Insurance

The overall process was very smooth and professional. Minimal documentation and process. Liked the Professionalism and proactiveness of the employees in Kotak. Thanks for the support.

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Car Insurance

Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.

How to file a motor insurance claim at Zurich Kotak

Filing a claim has never been this easy – we made sure of itimage

How to file a car insurance claim at Zurich Kotak
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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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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.

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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.

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On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

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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.

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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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.

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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.

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The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

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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

How to download your policy copy

Here is your step-by-step guide to access your policy copyimage

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

Policy Number

Enter your policy number

Enter Phone Number

Enter your registered mobile number Or your registered email Id

Get OTP

Click on Get OTP

Click on Download Car Insurance Policy Document

Type the OTP and click on download car insurance policy document

Cashless network garages of Zurich Kotak

Our network cashless garages make roadside assistance simpleimage

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance with the need for upfront payment

Motor Insurance glossary

There's always more to know about Motor Insuranceimage

Insured Declared Value (Idv) in Car Insurance

Insured declared value (IDV) in car insurance

The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.

No Claim Bonus (Ncb) in Car Insurance

No claim bonus (NCB) in car insurance

The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.

Zero Depreciation in Car Insurance

Zero depreciation in car insurance

Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.

Head over to our learning centre

RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsimage

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

Frequently Asked Questions Motor Insurance

A motor insurance policy or vehicle insurance is an insurance policy that covers four-wheelers, two-wheelers, and commercial vehicles against any damages arising due to accident, theft, or natural or man-made calamities.


Here are the different types of Motor insurance coverages:

  • Comprehensive Car Insurance:

    This coverage provides an all-round protection to your vehicle as it includes cover for liability towards third party, damage to your own vehicle and personal accident cover.

  • Third-Party Liability Only Cover:

    Under this type of car insurance coverage, Cost of repairs/replacement of the damaged vehicle of third parties, cost of hospitalization and treatment of third parties, liabilities arising out of death of third parties are covered

  • Own Damage (OD) Cover

    Under this cover cost of repairs to your vehicle that has been damaged is reimbursed according to the Insured Declared Value fixed at the time of policy purchase less accumulated depreciation.

  • Personal Accident Cover

    Medical expenses of the owner-driver of the car arising due to an accident is covered under this coverage

IDV (Insured Declared Value) in Motor Insurance is the maximum amount that the insurer agrees to pay the owner on complete loss of the vehicle due to theft or damage beyond repair.


To initiate the process of Motor insurance claim, you will need the following documents:

  • Registration Certificate of the Vehicle

  • Driving License

  • A valid identity proof

  • Copy of FIR

  • A filled-in claim intimation form

Only the registered owner who holds a valid driving license is entitled to the personal accident cover of the Motor insurance policy. The Personal accident cover is not applicable for vehicles owned by corporate, companies, or any partnership firm. For someone who owns more than one vehicle, the Personal accident insurance cover is valid for only one motor insurance policy.

There are two types of changes that can be done in a motor insurance policy:

  • Non-monetary changes: This includes correcting the vehicle owner's name, address, or contact details. These changes do not require the policyholder to pay any extra premium.

  • Monetary changes: These changes may increase the premium amount, such as addition made in the CNG kit, installing any widgets, etc.

The motor insurance policy is valid for a period of 1 year from the date of purchase or the date of renewal. The policy renewal needs to be done before the policy period ends to ensure coverage of the vehicle at all times and not undergo the process of inspection again. Moreover, to retain the NCB (No Claim Bonus), one must renew the motor insurance before the policy period ends.


  • The primary reason to have a Motor insurance policy is to get adequate coverage. So, try buying a comprehensive insurance policy that provides both own damage insurance and third-party liability insurance.

  • Look for Cashless Garage Network to avoid paying from pocket.

  • Choose deductibles you are comfortable paying, as you would have to bear this amount at the time of the Motor Insurance claim.

  • Choose a motor insurance policy online with an online renewal policy and online claim settlement process.

Higher Motor insurance coverage means a higher premium. To adjust the coverage and the premium amount, take the following steps:

  • Avoid buying all the add-ons except the ones that you need the most

  • Avoid raising small claims as this will affect your No Claim Bonus. No claim bonus helps in reducing the premium amount.

  • Install anti-theft devices in your vehicle

  • Raise your deductibles to pay a lesser premium

  • If you buy a new car, transfer your NCB to the new car

Applying for Motor insurance online helps you with the following factors:

  • Reduces your paperwork to a minimum

  • You can check the credibility of the insurer and buy a genuine motor insurance

  • The process of applying for Motor insurance online is convenient and quick

You can save money on your comprehensive motor insurance by reducing the premium amount. Here are a few tips to reduce the motor insurance premium

  • Try avoiding small claims

  • Add the add-ons according to your needs

  • Install anti-theft devices in your vehicle

  • Choose a higher voluntary deductible

  • Do not opt for too many modifications in your vehicle

A No Claim Bonus or NCB is the reward given by the insurance companies on the insurance premium at the time of motor insurance policy renewal for not raising any claim during the policy tenure. The No Claim Bonus percentage for every year is given as below:

Age of Policy

Age of Policy

No Claim Bonus Percentage

After 1st year

20%

After 2nd year

25%

After 3rd year

35%

After 4th year

45%

After 5th year

50%

While making a motor insurance claim, you will just have to pay the deductibles that you have opted for during the purchase or renewal of the motor insurance policy.


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Always by your side. Keeping you safe