Car Insurance In Mumbai

Buy car insurance policy online in Mumbai

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Instant Policy With Zero Paper-Work

Instant policy with zero paper-work

Quick and Hassle-Free Claim Process

Quick and hassle-free claim process

Google Review Rating

4/5

We take your safety seriously

Cashless Garages

4600+

Cashless Garages

Insurance Claim

Jet-Speed

Claims

No Claim Bonus

Upto 50%

No Claim Bonus

Claim Settlement Ratio

98.13%

Claim Settlement Ratio

24/7 Around the Clock Assistance

24/7

Around The Clock Assistance

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

Car Insurance Policy in Mumbai

Mumbai, the most populous city in India, is home to over 22 million people. Thanks to its booming economy and well-deserved reputation as the cultural and entertainment hub of the nation, Mumbai attracts a throng of tourists from around the globe. People come to ‘the city that never sleeps’ to experience its premiere nightlife, gorge on the lip-smacking food, and shop from the unique bazaars that line the streets across town.

Of course, it is intimidating for a city with limited space and infrastructure to accommodate such a large number of citizens, a number that keeps growing. Perhaps for this reason, peripheral areas like Thane and Navi Mumbai are becoming increasingly popular among those who wish to remain in the din of Mumbai but want to distance themselves from the overcrowding. Real estate is currently flourishing in these newly-planned cities, accompanied with a steep rise in the number of vehicles on the road.

Between the massive influx of vacationers and daily swarm of resident commuters, the public transportation system is barely able to keep up with the relentless rise in travel requirements. This is one of the reasons why the streets of Mumbai are perpetually crawling with private vehicles. The expedited way of living has made it imperative for inhabitants to purchase a car of their own. Driving in and around Mumbai is no longer a luxury; it is a necessity.

However, the ownership of a car doesn’t just come with the promise of convenience, it also comes with the responsibility of buying an insurance. Given the potential perils on road, investing in a car insurance in Mumbai or nearby areas like Thane or Navi Mumbai, is perhaps the most sensible thing you can do to keep yourself and your vehicle safe.

At Zurich Kotak General Insurance we offer policies that not only protect your car against damages, but also provide a host of additional services such as no claim bonus and cashless garages. We have established a sizeable network of cashless garages across the city, including Thane and Navi Mumbai, where you can get your vehicle repaired without having to pay anything upfront.

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Cashless Garages in Mumbai, Thane or Navi Mumbai

Whether you are in Mumbai, Thane, or Navi Mumbai, you will find a garage near you that provides our cashless service. To check our full list of network garages, see below.

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.

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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.

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Car Insurance

I had excellent experience with my online car insurance purchase. The entire process was smooth transparent and incredibly user-friendly. From comparing plans to finalizing policy everything was clearly explained and easy to understand. The documentation was quick and I received my policy instantly without any hassle. What really stood out was prompt customer support and competitive pricing for coverage offered. It gave me complete peace of mind knowing I had made right choice. I truly felt valued as customer which is why I m giving full 1010 rating. Highly recommended

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Car Insurance

Overall a good experience to bought a policy from kotak .

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Car Insurance

I am totally satisfied with Kotaks response from start to end. They responded well. They were regularly following with dealer to get work done. They were proactive in getting work done from dealer and to get invoice generated and processed payment on time.

Zurich Kotak General Insurance cashless network garages in Mumbai

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty

Buying a car insurance in Mumbai 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

Insured Declared Value (IDV) Cover

Insured declared value (IDV)

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.

No Claim Bonus (NCB) Cover

No claim bonus (NCB)

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

Zero depreciation

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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RTO- Regional Transport Office Near Mumbai

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.

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