Car insurance in Indore
Buy car insurance policy online in Indore
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 Indore
With growing traffic and a rising number of vehicles, having a car insurance policy in Indore is essential for every driver. Car insurance provides financial protection against accidents, theft, fire, natural disasters, and third-party liabilities. It ensures that you stay legally compliant while offering peace of mind on busy city roads.
In Indore, car owners can choose from different types of policies, such as comprehensive insurance, third-party liability insurance, and own damage insurance, based on their coverage needs and budget. Comprehensive policies cover both your vehicle and third-party damages, while third-party insurance fulfills the legal requirement. Optional add-ons like roadside assistance, zero depreciation, and engine protection further enhance protection.
Purchasing or renewing car insurance online in Indore adds convenience, allowing policyholders to complete the process anytime without visiting a branch. With the right policy, drivers can navigate city streets and highways confidently, knowing they are financially secure against unforeseen events.
Ask Zurich Kotak
Key features & benefits of Zurich Kotak car insurance in Indore
Explore the main features of Zurich Kotak Car Insurance in Indore, designed to provide reliable protection and a smooth, hassle-free experience.
Types of car insurance policies in Indore
Car insurance policies in Indore are offered in different types to meet the diverse needs of vehicle owners.
Third-party insurance is mandatory under Indian motor laws. It covers legal and financial liabilities if a third party suffers injury, death, or property damage due to your vehicle. While it ensures compliance in Indore, it does not cover damages to your own car.
Comprehensive car insurance in Indore provides extensive coverage against accidents, theft, fire, natural disasters, and third-party liabilities. Policyholders can also add optional covers for extra protection. This type of insurance is ideal for car owners seeking complete financial security and peace of mind while driving on Indore’s busy roads.
Own Damage insurance covers repair or replacement costs for your car due to accidents, theft, fire, or natural disasters. In Indore, it is suitable for car owners who already have third-party coverage and want additional protection for their vehicle.
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 and not covered under Indore car insurance
Knowing what your car insurance in Indore covers and excludes helps you drive safely and stay financially protected in unforeseen situations.
Accidental Damage
Covers repair or replacement if your car is damaged in an accident or due to impact.
Fire, Explosion & Self-Ignition
Protection against damage from fire, lightning, explosions, or self-ignition.
Theft & Total Loss
Compensation up to the Insured Declared Value (IDV) if your car is stolen or declared a total loss, with a valid FIR.
Natural & Man-Made Calamities
Covers losses caused by floods, storms, cyclones, earthquakes, and other natural calamities listed in the policy & Includes damage due to riots, strikes, vandalism, or terrorism, excluding war, nuclear events, or government action.
Third-Party Liabilities
Covers injury, death, or property damage caused to others by your vehicle.
Personal Accident Cover
Compensation for injury or death of the owner-driver up to the sum assured.
Optional Add-Ons
Enhance coverage with Zero Depreciation, Roadside Assistance, Engine Protect, Consumables Cover, Return-to-Invoice, and more.
Unlicensed Driving
Accidents occurring while driving without a valid licence.
Driving Without Licence / Under Influence
Damages caused by alcohol or drug consumption.
Mechanical & Electrical Failures
Breakdowns or faults unrelated to an accident.
Normal Wear & Tear
Minor scratches, dents, or ageing not linked to an insured event.
Racing or Unauthorised Commercial Use
Losses during racing, ride-sharing, deliveries, or other prohibited commercial purposes.
Intentional or Fraudulent Damage
Damage caused deliberately or fraudulently.
War & Nuclear Risks
Losses arising from war, mutiny, nuclear incidents, or government seizure.
Out-of-Territory Accidents
Accidents outside the covered area without international coverage.
Policy Lapse
Claims are invalid if the policy has expired.
Consumables & Excessive Labour
Routine items like oil, nuts, bolts, and additional labour charges are not covered under the standard policy.
Available add‑ons & enhanced covers
Car insurance add-ons allow car owners in Indore to boost their standard policy and minimise extra expenses during a claim. Zurich Kotak General Insurance offers several optional covers customised to local driving conditions.
Depreciation Cover
Covers the full cost of replaced parts without deducting depreciation, ensuring maximum claim settlement.
Return to Invoice
Pays the difference between the original invoice value and the car’s current IDV in case of theft or total loss.
Engine Protect
Protects against repair or replacement costs for engine and gearbox damage caused by water, oil leaks, or sudden mechanical failures.
Roadside Assistance Cover
Offers round-the-clock support for towing, battery jump-starts, emergency fuel delivery, flat-tyre help, and minor repairs on the spot.
Consumables Cover
Includes essential small parts and materials like nuts, bolts, lubricants, and filters used during repairs.
Tyre Protect
Covers repair or replacement of tyres and tubes damaged in accidents or due to road hazards, excluding normal wear.
Clutch Protect
Covers the repair or replacement of the clutch assembly in case of clutch burn.
Key Replacement
Covers the cost of replacing lost or stolen car keys.
Loss of Personal Belongings
Covers personal items stolen or damaged inside the insured vehicle, within policy limits.
Why should you choose Zurich Kotak for your car insurance?
Key benefits of having a car insurance policy in Indore include:
Car insurance in Indore provides financial protection and ensures compliance with legal requirements while navigating the city’s busy roads. It includes the compulsory third-party coverage mandated under the Motor Vehicles Act.
Legal Requirement
Third-party insurance is required by law, and driving without it can attract fines or penalties.
Financial Protection
Covers repair or replacement costs due to accidents, theft, fire, or natural disasters.
Third-Party Protection
Protects against costs arising from injury, death, or property damage to others.
Personal Safety
Includes mandatory Personal Accident Cover for the owner-driver.
Add-On Benefits
Optional add-ons such as roadside assistance, zero depreciation, and engine protection provide extra coverage and convenience.
No-Claim Bonus (NCB) Savings
Maintaining a claim-free record and renewing policies on time helps lower premiums through the No Claim Bonus benefit.
How to buy car insurance online Indore with Zurich Kotak General Insurance
Buying car insurance online in Indore is a simple and hassle-free process with Zurich Kotak General Insurance. Follow these easy steps to secure your vehicle:
Visit Our Website
Go to the Zurich Kotak General Insurance website to explore our car insurance options.
Choose Your Plan
a. Select between Third-Party Liability, Comprehensive Cover, or Standalone Own-Damage Insurance.
b. Add optional covers like Depreciation, Roadside Assistance, or Engine Protect for enhanced coverage.
Enter Your Vehicle Details
Provide essential information, including your vehicle’s registration number, make, model, and year of manufacture.
Get a Quote
Instantly receive a premium quote tailored to your insurance needs and budget.
Customise Your Policy
Adjust your coverage by adding riders for maximum benefits.
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 Indore
Several factors determine car insurance premiums in Indore, and knowing them helps you pick the right policy for your vehicle.
Benefits of car insurance renewal online in Indore with Zurich Kotak
Renewing your car insurance in Indore with Zurich Kotak is simple, fast, and hassle-free, all done in just a few easy steps.
Documents required for filing a car insurance claim in Indore
To ensure a smooth and timely claim settlement under your car insurance in Indore, keep the following documents ready:
Submitting complete and accurate documents helps speed up claim processing at Zurich Kotak’s cashless garages in Indore ensuring a hassle-free experience with your vehicle insurance in Indore.
Car insurance policy copy
Registration Certificate (RC)
Valid driving licence
Duly filled and signed claim form
FIR or police report (required for theft, third-party claims or major accidents)
Repair bills and payment receipts (for reimbursement claims)
Damage photographs if requested during assessment
Any additional documents requested after vehicle inspection
Zurich Kotak General Insurance cashless network garages in Indore
Allows you to repair your vehicle at network garages without paying upfront, with the insurer settling the bill directly with the garage.
Buying a car insurance in Indore gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
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
Other quick links
Easy access to more, check out these quick links
Car insurance in Indore 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!