Car Insurance In Ahmedabad
Buy car insurance policy online
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
5700+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Car Insurance policy in Ahmedabad
As more people own private cars, car insurance in Ahmedabad is now an important way to protect your money, not just a legal rule. Even with well-planned roads, drivers still face risks such as accidents, theft, and weather-related damage. A trusted car insurance policy in Ahmedabad helps cover repair costs, third-party claims, and sudden losses.
Zurich Kotak General Insurance offers full car insurance in Ahmedabad with useful features such as cashless garage service, online claims, and cover options you can choose as needed. Whether you drive a hatchback, sedan, or SUV, the right policy gives steady protection across Ahmedabad’s growing city areas.
Ask Zurich Kotak
Why Do You Need a Car Insurance Policy in Ahmedabad?
The right car insurance policy in Ahmedabad ensures that both you and your vehicle are protected from risks, unexpected expenses, and legal risks.
Mandated by Law
Car insurance is required under the Motor Vehicles Act, 1988, to drive on public roads. Having a valid policy keeps you legally compliant and protects you from penalties.
Protection from Natural and Man-made Events
Your car stays covered against unexpected events such as accidents, floods, earthquakes, riots, and other events beyond your control.
Car Theft Cover
If your car is stolen, the policy provides financial compensation. This helps reduce the loss and supports you in getting back on the road.
Add-on Covers for Extra Protection
You can customise your policy with add-ons such as engine protection, zero depreciation cover, and more. These extras help strengthen your coverage based on your needs.
Financial Loss Protection
The insurance helps cover repair or replacement costs if your car is damaged in an accident or other insured events, reducing sudden financial strain.
Personal Accident Cover
Provides financial support to the owner-driver in case of injury, disability, or death due to an accident.
Peace of Mind
Knowing your car and finances are protected lets you drive with confidence, without constant worry about unexpected expenses.
Types of car insurance policies in Ahmedabad
Choosing the right insurance plan is essential to keep your vehicle protected. There are different types of car insurance available to suit various needs and budgets, so you can find the coverage that works best for you.
Comprehensive car insurance in Ahmedabad gives your car complete protection. It covers both third-party liabilities and damage to your own vehicle. Your car stays protected against accidents, theft, fire, vandalism, and natural disasters. This makes it a smart choice for city driving, where unexpected risks can arise. You can also add extra covers to strengthen your policy and better suit your needs.
Third-party car insurance in Ahmedabad is required by law. It covers injury, death, or property damage caused to others by your car. While it helps you stay legally compliant, it does not cover damage to your own vehicle. This makes it a basic but necessary form of car insurance.
Own Damage car insurance focuses on protecting your own vehicle. It covers losses from accidents, theft, fire, and natural disasters. In Ahmedabad, this cover can be bought separately if your car already has a long-term third-party policy. It offers flexibility and helps you manage repair costs without paying for extra coverage you may not need.
Get Quick Support
I’m here to help.
premium? I'm here to help.
Hi there, how can we help you?
I wanna know about my premium car
What's covered/not covered under Ahmedabad Car Insurance Policy?
Accidental Damage
Your car insurance covers repair or replacement costs if your vehicle is damaged due to accidents or collisions.
Fire, Explosion & Self-Ignition
Protects your car from losses caused by fire, explosions, or spontaneous ignition incidents.
Theft & Total Loss
If your car is stolen or declared a total loss, the policy provides compensation up to the Insured Declared Value (IDV).
Natural Calamities
Covers damage from floods, storms, cyclones, earthquakes, and other natural disasters, as defined in your policy.
Third-Party Liabilities
Mandatory by law, this covers injury, death, or property damage caused to others by your car.
Personal Accident Cover
Provides financial support to the owner-driver in case of injury or death, up to the sum assured under a comprehensive policy.
Mechanical & Electrical Failures
Claims for pure mechanical or electrical breakdowns and general wear and tear are not covered.
Consumables & Labour
Regular consumables like oil, nuts, bolts, and excessive labour charges are excluded from the standard policy.
Driving Without a Licence / Under Influence
Claims are rejected if the driver does not have a valid licence or is under the influence of alcohol or drugs.
Racing or Unauthorised Commercial Use
Damage caused during racing events or commercial use, such as ride-sharing or delivery, is not covered.
War, War-like Scenarios & Nuclear Risks
Losses due to war, mutiny, terrorism (except for specified terrorism cover), or nuclear incidents are excluded.
Intentional or Deliberate Damage
Any damage caused intentionally or fraudulent claims are not covered.
Normal Wear and Tear
Regular deterioration of vehicle parts over time is excluded.
Unauthorised Usage
Use of the vehicle in activities not permitted under the policy, like racing or commercial work, is not covered.
Out-of-Territory Accidents
Accidents that occur beyond the geographical limits defined in your policy are excluded.
Available Add‑Ons & Enhanced Covers
Add-ons allow Ahmedabad car owners to enhance their standard insurance coverage and reduce out-of-pocket expenses during claims.
Depreciation Cover Add-on
The Depreciation Cover add-on allows full claim settlement for replaced parts without deducting depreciation. This helps maximise the payout for approved claims.
Roadside Assistance Add-on
The Roadside Assistance add-on provides 24×7 support services, including towing, battery jump-starts, emergency fuel delivery, flat tyre assistance, and minor on-the-spot repairs across the country.
Engine Protect Add-on
The Engine Protect add-on covers the cost of repairing or replacing the engine and gearbox due to water ingress, oil leakage, or sudden mechanical failure.
Consumables Add-on
The Consumables add-on covers the cost of items such as nuts, bolts, lubricants, filters, and other expendable parts used during claim-related repairs, helping reduce out-of-pocket expenses.
Return to Invoice Add-on
The Return to Invoice add-on reimburses the difference between the vehicle’s original invoice value and its Insured Declared Value in cases of total loss or theft.
Loss of Personal Belongings Add-on
This add-on provides reimbursement for personal items stolen or damaged from the insured vehicle during a covered event, subject to policy terms and limits.
Tyre Protect Add-on
The Tyre Protect add-on covers the repair or replacement of tyres and tubes damaged due to accidents or road hazards. Normal wear and tear is excluded.
Clutch Protect Add-on
The Clutch Protect add-on covers the repair or replacement of the clutch assembly and related parts damaged due to clutch burn.
Key Replacement Add-on
The Key Replacement add-on covers the cost of replacing lost or stolen car keys.
How To Buy Car Insurance Online in Ahmedabad
Buying car insurance online in Ahmedabad with Zurich Kotak General Insurance is simple and fully digital. Follow these easy steps:
Visit the Zurich Kotak General Insurance website, choose Car Insurance, and enter your vehicle details (registration number, make, model, fuel type, variant).
Select the type of car insurance and customise your plan with suitable add-ons.
Review the premium, check coverage details, and proceed by entering your personal information.
Make the secure online payment to instantly receive your digital policy via email—no paperwork needed.
Download Now
Download Now
Cut the wait time
Intimate Claim
Quick Verification
Instant Settlement
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.
Car Insurance
5 | 4 months ago
Car Insurance
5 | 4 months ago
Car Insurance
5 | 4 months ago
Factors Affecting Car Insurance Premiums in Ahmedabad
Car insurance premiums in Ahmedabad are influenced by multiple vehicle and policy-related factors.
Documents Required for Filing a Car Insurance Claim in Ahmedabad
To file a car insurance claim in Ahmedabad smoothly, it is essential to have all the necessary documents ready.
Registration Certificate (RC) Copy
Policy Copy
Policyholder's valid ID proof
Driver's license
FIR Copy (In case of theft and Third Party (TP) claim)
Duly filled Claim form
Any further requirements will be conveyed based on the inspection
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Zurich Kotak provides access to a network of over 5,700 authorised cashless garages across India, making it easier to get your vehicle repaired. With the cashless facility, you do not need to pay the repair costs upfront. Once the claim is approved, the eligible repair expenses are paid directly to the garage. You only need to pay the deductible, consumables, or any charges not covered under the policy.
Getting your vehicle repaired at an authorised cashless garage offers clear billing, faster claim settlement, and repairs carried out as per insurer-approved standards. This helps ensure a smooth and convenient experience under your four-wheeler insurance policy.
Car Insurance glossary
There's always more to know about 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.
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 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
Important Traffic Rules To Follow To Ensure Safety While Driving
Last Updated on:
02 Sep 2024
What is Anti Theft Device and its Impact on Car Insurance Premium
Last Updated on:
02 Sep 2024
Other quick links
Easy access to more, check out these quick links
Car insurance for your favorite brands
We've got you covered with car insurance for your favorite brands
Car insurance by city
Your city, your coverage so you pick the right car insurance!
Important Blogs about Car Insurance
Your car deserves the best insurance
Frequently asked questions for Car Insurance in Ahmedabad
You can reduce car insurance costs by maintaining a claim-free record to earn NCB, choosing higher deductibles, installing anti-theft devices, avoiding unnecessary add-ons, and renewing policies on time through online platforms that offer transparent pricing.
Premiums depend on vehicle age, model, fuel type, registration zone, claim history, IDV, add-ons selected, deductibles, and safety features. High-traffic areas in Ahmedabad may also influence pricing.
Third-party car insurance is mandatory under the Motor Vehicles Act. Driving without valid insurance can result in fines, legal penalties, and claim rejection in the event of an accident.
Electric vehicles often attract lower premiums due to fewer mechanical components and government incentives. Insurers may also offer special pricing or discounts for EV owners in Ahmedabad.
Roadside assistance is highly useful in Ahmedabad due to traffic conditions and long commutes. It provides support for breakdowns, towing, battery issues, and emergencies, ensuring peace of mind.
Zurich Kotak allows easy online renewal. You can renew your policy by entering vehicle details, reviewing coverage, applying NCB benefits, and making secure digital payments within minutes.
You can find Zurich Kotak’s cashless garages in Ahmedabad through the official website or during claim filing. The insurer provides a list of authorised network garages for hassle-free repairs.