Car Insurance In Mumbai

Buy car insurance policy online

Car Insurance In Mumbai
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Key features of Zurich Kotak car insurance in Mumbai

  • Wide network of cashless garages

    Wide network of cashless garages

    Wide network of cashless garages

    Access 5700+ authorised cashless garages across India, including Mumbai, allowing repairs without upfront payment at network centres.

  • High claim settlement ratio

    High claim settlement ratio

    High claim settlement ratio

    A strong claim settlement record helps ensure faster approvals and smoother claim processing when you need support.

  • No Claim Bonus (NCB) benefits

    No Claim Bonus (NCB) benefits

    No Claim Bonus (NCB) benefits

    Earn and retain NCB of up to 50% on your car insurance premium for claim-free years, helping reduce renewal costs over time.

  • Easy online policy purchase

    Easy online policy purchase

    Easy online policy purchase

    Buy car insurance in Mumbai online within minutes through a simple, paperless process.

  • Customisable add-ons

    Customisable add-ons

    Customisable add-ons

    Enhance your cover with add-ons such as zero depreciation, roadside assistance, and engine protect, based on city driving needs.

  • Instant policy issuance

    Instant policy issuance

    Instant policy issuance

    Receive your car insurance policy instantly via email after successful payment, with no paperwork involved.

Types of car insurance policies in Mumbai

  • Comprehensive car insurance

    A comprehensive car insurance policy offers the widest protection. It covers third-party liabilities and damage to your own car caused by accidents, theft, fire, natural disasters such as floods, and man-made events. This option is well-suited for regular city driving in Mumbai.

  • Third-party car insurance

    Third-party insurance is mandatory under Indian law. It covers legal liabilities arising from injuries, deaths, or property damage to a third party. However, it does not cover damage to your own vehicle.

  • Standalone own damage car insurance

    A standalone own damage policy covers damage to your car due to accidents, theft, fire, or natural and man-made events. It must be purchased alongside an active third-party policy and offers flexibility in managing coverage and costs.

Available Add‑Ons & Enhanced Covers

  • Depreciation Cover (Zero Depreciation)

    Depreciation Cover (Zero Depreciation)

    Ensures full claim settlement for replaced parts without applying depreciation on plastic, rubber, or metal components. Particularly useful for new or relatively new cars.

  • Roadside Assistance

    Roadside Assistance

    Provides 24×7 support for towing, battery jump-starts, emergency fuel delivery, flat tyre assistance, and minor on-the-spot repairs across India.

  • Engine Protect

    Engine Protect

    Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden external failures, which is especially relevant during Mumbai’s monsoon season.

  • Consumables Cover

    Consumables Cover

    Reimburses the cost of consumables such as engine oil, brake oil, lubricants, nuts, bolts, and filters used during claim-related repairs.

  • Return to Invoice

    Return to Invoice

    In case of total loss or theft, this add-on pays the difference between the car’s invoice value and the Insured Declared Value, including registration and taxes.

  • Loss of Personal Belongings

    Loss of Personal Belongings

    Covers financial loss if personal items are stolen or damaged from the insured car during a covered incident, subject to policy limits.

  • Tyre Protect

    Tyre Protect

    Covers repair or replacement costs for tyres and tubes damaged due to road hazards or accidents, excluding normal wear and tear.

  • Clutch Protect

    Clutch Protect

    Covers the repair or replacement of the clutch assembly and related parts damaged due to clutch burn.

  • Key Replacement

    Key Replacement

    Covers the cost of replacing lost or stolen car keys, including any fees associated with the locking system, where applicable.

How to buy car insurance online in Mumbai

1

Visit the insurer’s official website and select the car insurance option

2

Enter vehicle details such as registration number, make, model, fuel type, and year

3

Choose the policy type: third-party, comprehensive, or own damage

4

Add optional covers and review updated vehicle insurance quotes

5

Make the payment online and receive the policy instantly via email.

Cashless garages near you

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.

Reviews & Ratings

Bharat Nagindas Shah

Bharat Nagindas Shah

2 weeks ago
5/5
Car Insurance

The process of renewal was very easy and straightforward.

Amit  Sengupta

Amit Sengupta

2 weeks ago
4.5/5
Car Insurance

I am happy with the overall service while buying the policyi

Rahimbhai Rahemanbhai Ghanchi

Rahimbhai Rahemanbhai Ghanchi

2 weeks ago
5/5
Car Insurance

Good experience Good and fast service Thank you so much

Edney Sean Heredia

Edney Sean Heredia

3 weeks ago
5/5
Car Insurance

2nd renewal and every time just 5 mins and its done , could be done by anyone .

Pativada Jaya Gowri Sankara Rao

Pativada Jaya Gowri Sankara Rao

3 weeks ago
4.5/5
Car Insurance

Smooth processing for Car renewal process, Thank YOU Kotak!

Ketuman  Kashyap

Ketuman Kashyap

3 weeks ago
5/5
Car Insurance

Complete process was flawless and no follow up was required.

Manoj Kumar Bharti

Manoj Kumar Bharti

3 weeks ago
5/5
Car Insurance

Good experience with zurich kotak expect tata workshop

Chetan Vijay Balpande

Chetan Vijay Balpande

3 weeks ago
4.5/5
Car Insurance

All good ..fast proceed with explanation policy details

Bala Narayana Rao Javangula

Bala Narayana Rao Javangula

3 weeks ago
5/5
Car Insurance

Nice receive From sureveyor. Any time he will response politely

Alokkumar A Hiremath

Alokkumar A Hiremath

3 weeks ago
4.5/5
Car Insurance

9/10 to Zurich kotak for quick process & 5/10 to TATA SERVICE lack of commitment

View more

Benefits & Advantage of Buying Car Insurance Online in Mumbai

Investing in car insurance may not be a choice, but you do have the freedom to decide where to purchase the policy from.

In addition of being an affordable car insurance policy provider in Mumbai, opting for Zurich Kotak General Insurance’s Car Secure Policy for your car will enable you to avail various benefits such as:

  • Damage protection against man-made and natural calamities

  • Personal accident and passenger cover

  • Third party liability

  • No Claim Bonus

  • Add-ons such as zero depreciation cover , medical cover, etc.

  • Up to 22.5% additional discount based on credit score

  • Automobile Association of India (AAI) member discount

A good car insurance in Mumbai is one that protects you and your vehicle from any financial loss and helps you remain stress-free on the road.

Get a car insurance policy quote or buy a car insurance plan from us to secure your driving experience on the unpredictable streets of Mumbai.

Garage's Network List in Mumbai

Name

Address

MobileNumber

Willpower Multibrad Automobile

SP ASSOCIATES 1ST FLOORROOM NO 102 PLOT NO 66GURUKRUPA APPARTMENT DR V PRADHAN ROADDADAR EAST

9833032932

Audi Mumbai West

167, CST ROADKALINASANTACRUZEAST

8291997120

Wasan Brothers Pvt Ltd - Deonar

NEAR SHAH INDUSTRIAL ESTATEB/H RAHEJA ACROPOLISDEONAR VILLAGEMUMBAI

9702929994

Royal Car Glasses

SHOP NO.8, BONANZAARCADE, S.V.ROADAMBOLI, ANDHERIWEST, Mumbai

9820771560

Volkswagen Mumbai West

CTS NO. 151 & 151/1PATLON YARDSOMANI GRAMRAM MANDIR

8657446013

VehicleCare-Omkar automobiles

A6/1, TTC INDUSTRIAL AREA,OFF THANE BELAPUR ROAD,VILLAGE PAWANE,NAVI MUMBAI

9911020209

Vehiclecare-J M D AUTO GARAGE

218, Marol Maroshi Rd, Marol Village,Andheri East,Mumbai,Maharashtra

9911020209

Ocean auto

53 plot, manpeshwar, Metro Station Ic Colony,car avtar back side, Ganpat Patil Nagar, Nava,Borivali West, Mumbai,Maharashtra

9911020209

New Fk Auto Glass

GALA NO .98, AZMI COMPOUNDDURGA MANDIR GALIKHERANI ROAD,SAKINAKA KURLA,

9833692633

Hare Krishan Classic Car Cares Pvt Ltd

GALA NO 1,UDYOG KSHETRA,LINK ROADMULUND,

9664385757

Frequently Asked Questions for Car Insurance in Mumbai

Questions you may have about Zurich Kotak General Insurance

  • The car insurance price in Mumbai varies based on factors such as the car’s age, make, model, fuel type, engine capacity, and registration zone. Because Mumbai has dense traffic and a higher accident risk, premiums are generally higher than in smaller cities. Add-ons, chosen IDV, and No Claim Bonus also influence the final cost.

  • You can check car insurance premiums in Mumbai online using premium calculators available on insurer websites. Enter details like vehicle registration number, city, policy type, and add-ons to receive instant vehicle insurance quotes. These tools help compare coverage and pricing before you buy or renew.

  • Yes, car insurance renewal in Mumbai can be completed online in minutes. Visit the insurer’s website, enter your policy or vehicle details, review coverage, apply your No Claim Bonus if eligible, and make the payment securely. Online renewal ensures continuous coverage without paperwork if done on time.

  • Yes. As per the Motor Vehicles Act, at least third-party car insurance in Mumbai is mandatory for second-hand vehicles. After ownership transfer, the insurance policy must also be transferred to the new owner to ensure legal compliance and valid claim eligibility.

  • Standard comprehensive car insurance in Mumbai may not fully cover engine damage caused by water ingress. Given Mumbai’s monsoon conditions, opting for an engine protect add-on is advisable, as it covers repair costs arising from flooding and hydrostatic lock.

  • To avail a cashless claim, take your vehicle to a Zurich Kotak authorised network garage in Mumbai and inform the insurer immediately. Once the inspection is completed and the claim is approved, repair costs are settled directly with the garage, excluding deductibles and non-covered expenses.

  • Yes. Electric vehicles in Mumbai can be covered under specialised EV insurance policies . These plans include protection for batteries, charging equipment, and electrical components. Some insurers may also offer competitive pricing or incentives, depending on coverage structure and policy terms.