Limit your speed, not your car insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
4200+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
94%
Claim Settlement Ratio
24/7
Around The Clock Assistance
*The above data is till 1st May, 2024
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.
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.
We believe in going above and beyond for your safety. Check out our new additional features
Affordable premiums
Get coverage with affordable premiums
Optional Add-on
Range of add-ons for wider coverage
Third-party liability
Coverage against third-party bodily injury, death and property damage
Own Damage Cover
Coverage of Rs.15 lakhs against accidental deaths and permanent disablements
Personal accident cover
Coverage of Rs.15 lakhs against accidental deaths and permanent disablements
Easy cashless claims
Network of 4200+ garages for easy cashless claims
Claim TAT
Quick settlement of claims, jet-speed style
No Claim Bonus
Enjoy up to 50% NCB and reduce your premiums
Round-the-clock assistance
We are at your service, 24/7
Policy purchase
Online issuance and renewals
Documentation
Zero paperwork needed
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)
Car insurance is your safety net on the roads. Explore more why you need it
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
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
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.
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.
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
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.
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.
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.
Know the diverse range of our Insurance Plans and find the perfect one that suits your driving needs
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I wanna know about my premium
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 ca
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
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
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
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
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
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
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
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.
Experience seamless protection and security with us
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
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
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
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
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
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
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.
Intimate Claim
Quick Verification
Instant Settlement
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
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
Here is your step-by-step guide to access your policy copy
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.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
Our network cashless garages make roadside assistance simple
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
There's always more to know about Motor Insurance
Your guide to RTO offices. Get insights into different locations
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.
Easy access to more, check out these quick links
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:
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
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.