Car Insurance in Kerala
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Car Insurance Policy in Kerala
From the winding roads of Munnar to the coastal stretches of Kochi, driving in Kerala is a unique experience. Zurich Kotak car insurance ensures you stay covered at every turn, offering mandatory protection under the Motor Vehicles Act of 1988, along with financial security and convenience.
Car insurance in Kerala covers third-party liabilities, accidental damage, theft, and natural disasters such as floods or landslides. With the ease of digital platforms, buying or renewing a policy is now simple, secure, and paperless. Zurich Kotak also offers transparent pricing, quick claims processing, and a choice between third-party cover or comprehensive protection. Affordable premiums and flexible plans make it easy for drivers to stay legally compliant while enjoying peace of mind.
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Key features & benefits of Zurich Kotak car insurance in Kerala
Zurich Kotak offers solutions designed for Kerala’s unique driving conditions.
Types of car insurance policies in Kerala
Kerala car owners can choose from three main policy types:
Combines third-party liability and own damage cover in a single plan. It also offers the option of add-ons, such as zero depreciation, engine protection, and roadside assistance. A Zurich Kotak comprehensive policy provides complete financial security and confidence on Kerala’s roads.
The minimum legal requirement under the motor vehicles act of 1988. It covers liabilities for injuries, death, or property damage caused to third parties. This is the most affordable option, but it does not cover damage to your own car.
Protects your car against damage from accidents, theft, fire, or natural disasters. Given Kerala’s monsoons and landslide risks, od cover is highly relevant. This can be purchased alongside third-party insurance.
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What’s Covered And Not Covered Under Kerala Car Insurance
Being aware of what your Kerala car insurance covers and excludes makes it easier to handle claims without confusion.
Accidental Damage or Collision
Covers repair costs for damages to your vehicle arising from accidents, collisions, or unforeseen impacts during normal road usage.
Natural Calamities
Provides financial protection for vehicle damage caused by floods, cyclones, earthquakes, landslides, storms, or other natural disasters.
Theft or Total Loss
Offers compensation if your insured car is stolen or declared a total loss due to extensive accidental damage.
Fire and Explosions
Covers losses to your vehicle resulting from fire, self-ignition, explosions, or lightning strikes during the policy period.
Third-Party Liability
Ensures coverage for legal liabilities arising from third-party bodily injury, death, or property damage caused by your car.
Personal Accident Cover
Provides compensation to the owner-driver for accidental death or permanent disability as per policy coverage.
Passenger Cover
Offers optional financial protection for passengers in your vehicle in case of accidental injury or death.
Add-ons
Enhance your policy with optional covers such as engine protection, roadside assistance, and zero-depreciation coverage for broader financial security.
Expired Policy
Claims cannot be made for accidents that occur after the insurance policy has lapsed or expired.
Driving Without a Licence
Claims are not admissible if the vehicle is driven by a person without a valid or appropriate driving licence.
Driving Under the Influence
No coverage is provided for any loss occurring while the driver is under the influence of alcohol or drugs.
Wear and Tear
Does not cover damage resulting from normal wear, ageing, depreciation, or gradual deterioration of vehicle components.
Mechanical/Electrical Failures
Excludes losses caused by mechanical or electrical breakdown unless directly resulting from an insured accident.
Geographical Limits
Damages occurring outside the policy's specified geographical area are not covered.
Illegal Activities
No claims are payable for accidents occurring while the vehicle is used for racing or any unlawful activities.
Modifications
Damage related to undeclared or non-approved vehicle modifications is excluded from coverage under the policy terms.
Garage's Network List in Kerala
Name | Address | MobileNumber |
Avg Maruti - Pathanamthitta | OPPOSITE GENERAL HOSPITAL,PIONEER TOWERSPathanamthitta,Kerala | 9446492988 |
Evm-Nissan | Opp Puthoor Temple,PuthoorNr. Elathoor Panchayath OfficePuthiyangadi, Calicut, Kerala | 8111990653 |
Muthoot Honda-Kollam | QS ROADKADAPPAKADA,Kollam,Kerala, | 8281039900 |
S S Hyundai - Kottarakara | LOWER KARIKKOMSH 1, Kottarakkara,Kerala 691531Kerla | 8592944491 |
S.S Hyundai-Pathanamthitta | Thiruvalla-Kumbazha Hwy,Churulikkodu,Pathanamthitta,Pathanamthitta, Kerala | 8589997877 |
United Service Center | EDASSERT JUNCTION,EDASSERT JUNCTION,EDASSERT JUNCTION, KATTAPPANA-685508, KERALAKERALA | 9961432941 |
Amana Toyota - Kannur | THOTTADAKANNUR,KeralaKerala | 9895071003 |
TVS AUTOMOBILE SOLUTIONS PRIVATE LIMITED | XIII/338, MUSALIAR COMPLEX 2Nd Mile Stone,Kilikolloor, Kollam,Kilikolloor, Kollam,Kerala | 9846098989 |
Why do you need car insurance in Kerala?
Car insurance in Kerala isn’t just about meeting a legal requirement, but about peace of mind on every journey. From the state’s lush hills to its vibrant coastal roads, driving comes with its own set of challenges. With the right policy, you stay financially protected against unexpected events while also staying legally compliant. Renewing and maintaining active cover ensures uninterrupted protection and worry-free driving.
Available add-ons & enhanced covers
Strengthen your Zurich Kotak car insurance in Kerala with optional add-ons:
Depreciation Cover
Claim full settlement without depreciation deductions.
Roadside Assistance
Help for breakdowns, flat tyres, or towing.
Engine Protect
Important for flood-prone regions; covers water ingression or leakage-related engine damage.
Consumables Cover
Covers consumables like oil, nuts, bolts, and brake fluids.
Return to Invoice
Claim the invoice value of your car, including taxes and registration, in case of theft or total loss.
Loss of Personal Belongings
Covers stolen or damaged personal items from the insured vehicle during a covered incident, within policy limits.
Tyre Protect
Covers the repair or replacement of tyres damaged by potholes or rough terrain.
Clutch Protect
Covers repair or replacement costs for the clutch assembly and related parts damaged due to clutch burn.
Key Replacement
Reimburses the cost of replacing lost or stolen car keys, helping you avoid unexpected expenses.
Personal accident cover
Mandatory cover for owner-driver; optional for passengers.
How to buy car insurance online in Kerala
Purchasing Zurich Kotak car insurance in Kerala online is fast and simple:
Start Your Quote: Click on the "Get a Car Insurance Quote" button on the Zurich Kotak car insurance page.
Provide Vehicle Details: Fill in your car's specific details, such as the registration number, model, and make.
Complete Purchase: Enter your personal information and make a payment online to receive your policy instantly.
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Factors affecting car insurance premiums in Kerala
Several elements influence your car insurance rate in Kerala:
Documents required for car insurance claim in Kerala
Keep the following ready for smooth processing:
Registration Certificate (RC) copy
Zurich Kotak car insurance policy copy
Policyholder's valid identity proof
Driver’s valid driving licence at the time
FIR copy (for theft or third-party claims)
Completed claim form
Repair bills and estimates (for reimbursement)
Photos of damage (if needed)
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a car insurance 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 explore when it comes to Zurich Kotak 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.
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Frequently asked questions
Yes. At a minimum, third-party insurance is required under the motor vehicles act of 1988. Comprehensive cover is optional but highly recommended for broader protection.
Third-party liability, own damage, and comprehensive policies are available in Kerala. Comprehensive policies allow you to add optional covers for maximum financial protection.
Visit the Zurich Kotak website, enter your policy number and car details, review the premium, and pay online. Your renewal copy is emailed instantly. You can also do it by clicking on the link here.
Driving without valid car insurance in Kerala can attract fines under the motor vehicles act of 1988 and leave you personally liable for accident or damage costs. Keeping your policy active protects you from both legal penalties and unexpected financial burdens.
Yes. Insurance can be transferred to the new owner. Notify the insurer and provide documents such as the rc transfer and the policy transfer application.
Yes. Comprehensive car insurance covers damages from floods, cyclones, earthquakes, and landslides, all of which are common in Kerala.
Yes. It is valuable for hilly and flood-prone areas, ensuring you receive the full claim amount without depreciation deductions.
Check the reason provided by the insurer, such as missing documents or an expired policy. You can resubmit documents or seek assistance from Zurich Kotak’s support team.
Exclusions include wear and tear, driving without a licence, intoxicated driving, expired policies, and use of the car for illegal purposes.