Clutch Protect is an optional add-on cover available with car insurance policies . It provides financial protection for the repair or replacement of the clutch plate if the insured vehicle becomes immobilized due to clutch burn. This add-on is designed to reduce the financial burden on customers and ensure their vehicle is back on the road quickly.
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What is clutch protect add on cover?
Key features of clutch protect add on cover
Other add–ons available with car insurance policy by Zurich Kotak General Insurance
Depreciation Cover
Depreciation cover add-on ensures that during a claim, depreciation on replaced parts is not deducted, allowing you to receive the full claim amount without factoring in depreciation.
Consumables Cover
Covers the cost of consumable items such as engine oil, nuts and bolts, and other materials that require replacement due to damage from an insured event.. Know more about car insurance consumables add on coverage .
Engine Protect
Offers coverage for damages to the engine and gearbox resulting from incidents like water ingress or lubricant leakage, which are not typically covered under standard policies. Know more about car insurance engine protect add on .
Return to Invoice Cover
In the event of total loss or theft of the insured vehicle, this add-on ensures you receive the original invoice value of the car, bridging the gap between the insured declared value (IDV) and the purchase price. Know more about car insurance return to invoice add on coverage
How to buy clutch protect add-on?
How to download your policy copy
Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
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Enter your policy number
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Enter your registered mobile number Or your registered email Id
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Click on Get OTP
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Type the OTP and click on download car insurance policy document
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.
General Terms and Conditions:
1. Eligibility:
Only damages caused by clutch burn are covered. External or accidental damages are excluded.
The add-on cannot be added mid-term; it must be purchased at the time of policy issuance.
2. Claim Notification:
Claims must be reported within 30 days of the incident. Delays may be considered if valid reasons are provided in writing.
3. Repair Conditions:
Repairs must be carried out by authorized service providers. Unauthorized repairs will not be covered.
4. Transfer of Ownership:
The add-on cover cannot be transferred to a new owner unless the transfer is to a legal heir or from an employer to an employee.
Exclusions:
1. Consumables: Costs for items like nuts, bolts, grease, etc., are not covered.
2. Initial Waiting Period: Claims cannot be made during the first 30 days of the policy's start date.
3. Unauthorized Use: Vehicles used for racing, rallying, or motorsports are not covered.
4. Total Loss: No payment will be made if the vehicle is declared a total loss under the base policy.
5. Manufacturer’s Warranty: Claims covered under the manufacturer’s warranty are excluded.
Important car insurance terminologies you must know
Insured Declared Value (IDV)
IDV is the maximum sum your insurer will pay if your vehicle is stolen or declared a total loss. It reflects your car’s current market value after depreciation. Setting the right IDV helps balance your car insurance premium and claim amount.
No Claim Bonus (NCB)
NCB is a discount on your car insurance premium earned for each claim-free policy year, starting at 20% and going up to 50%. It’s transferable when switching insurers and encourages safe driving habits.
Depreciation cover
A depreciation cover, often called zero depreciation add-on, ensures your claim amount isn’t reduced due to part depreciation. It covers full replacement costs of damaged parts, excluding wear and tear, during a valid claim.
Premium
The premium is the cost you pay to keep your car insurance policy active. Factors like IDV, vehicle age, coverage type, add-ons, and claim history influence the premium amount.
Coverage in car insurance policy
Coverage refers to the protection your car insurance policy offers—ranging from third-party liabilities to own-damage protection against accidents, theft, fire, and natural or man-made calamities.
Own Damage cover
Own Damage cover protects your vehicle against accidental damage, theft, fire, and natural disasters. It’s available as part of a comprehensive policy or as a standalone cover alongside third-party insurance.
Cashless claims
Cashless claims let you get repairs at authorised network garages without paying the full bill upfront. Your insurer directly settles the approved amount with the garage, reducing out-of-pocket expenses.
Comprehensive Insurance
Comprehensive insurance offers complete protection by combining third-party liability cover with own-damage coverage, plus the option to add extra benefits through add-ons for enhanced security.
Deductibles
A deductible is the fixed amount you must pay from your pocket before your insurer covers the remaining repair cost during a claim. Choosing a higher voluntary deductible can lower your premium.
Third-Party Liability
Coverage that compensates for damages or injuries caused to another person, vehicle, or property.
Personal Accident Cover
Compensation for injuries, disability, or death of the insured person due to an accident.
Endorsement
A modification or addition to the existing insurance policy.
Cashless Garage Network
A list of garages where repairs can be availed without paying upfront, as the insurer settles the bill directly.
Claim Settlement Ratio (CSR)
The percentage of claims settled by an insurance provider against the total claims received.
Roadside Assistance (RSA)
An add-on service that provides help in case of breakdowns, flat tires, or battery failure.
Grace Period
The additional period after policy expiry during which the policyholder can renew their insurance without losing benefits.