Product | UIN No. |
|---|---|
Car Secure – Bundled | IRDAN152RP0010V04201819 |
Written By : Zurich Kotak General Insurance - Last updated: April 08th, 2025
Comprehensive Car Insurance
Buy Comprehensive Insurance – Complete Coverage for Your Car in 2 Minutes
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
98.13%
Claim Settlement Ratio
24/7
Around The Clock Assistance
The claim settlement ratio is considered only for Own Damage and Theft claims in the financial year 2024-25 (Source - https://www.zurichkotak.com/public-disclosure) Note: The above data is till 1st April, 2025
What is comprehensive car insurance?
Comprehensive car insurance combines mandatory third-party cover with protection for your own vehicle. It safeguards against accidental damage, theft, fire, natural calamities, and man-made events like riots. Offering wider financial security than basic plans, it covers your car, third-party liabilities, and unforeseen incidents, providing a robust safety net on Indian roads.
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Features of comprehensive car insurance policy
Discover the exciting features of comprehensive car insurance that go the extra mile for your safety
Benefits of buying a comprehensive car insurance policy
Wider Financial Protection
Comprehensive insurance coverage for own-damage, theft, fire, natural calamities, and third-party liability.
Peace of Mind
A single comprehensive car insurance policy handles multiple risks and expenses after an incident.
Flexible with Add-ons
Enhance your comprehensive plan insurance for older or new vehicles with add-ons tailored to Indian driving conditions.
Points to consider while raising a comprehensive car insurance claim
Raising a car insurance claim can be easy and stress-free when you follow the right steps. Here are a few important things to keep in mind while filing a comprehensive car insurance claim:
Know What’s Covered
Review your policy to understand what is included and excluded. This helps you avoid claim rejections.
Clear Photo of Damage
Take clear photos or videos of your damaged car and the accident scene. These visuals help support your claim.
Accurate Details
Ensure the claim form is filled with correct information. Double-check all entries before submission to avoid delays.
Submit Required Documents
Attach essential documents like your policy copy, registration certificate (RC), driving license, and a valid FIR (if required).
Keep Records of All Communication
Save copies of all emails, forms, and receipts related to the claim process. These may be helpful for future reference.
Cooperate with the surveyor.
If a surveyor is assigned, cooperate fully and provide any additional documents or clarifications they may ask for.
Track Your Claim Status
Stay updated by tracking the claim status online or through our customer care.
Network Garages
Once your claim is approved, get your car repaired only at Zurich Kotak’s authorized cashless network garages across India for a smooth and quick experience.
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Comprehensive Car Insurance Policy: Inclusions & Exclusions
Accidental Damage
Coverage for any accidental damage to your car due to collision, rollover, or impact.
Theft and Burglary
Protection against loss due to theft or attempted theft of your vehicle.
Natural Calamities
Coverage for damage caused by natural disasters like floods, earthquakes, hurricanes, etc.
Man-Made Events
Protection against vandalism, riots, strikes, and terrorism-related damages.
Third-Party Liability
Coverage for injury, death, or property damage to a third party caused by your vehicle.
Fire and Explosion
Coverage for damage caused by fire, explosion, or self-ignition of the vehicle.
Driver's Negligence
Damages caused due to driving under the influence of alcohol, drugs, or without a valid driving license.
Wear and Tear
Normal wear and tear, mechanical breakdowns, or aging of vehicle components are not covered.
Driving Outside Policy Limits
Coverage does not apply when the car is driven outside the geographical area mentioned in the policy.
Damage Due to War or Nuclear Risks
Damages caused by war, invasion, or nuclear accidents are excluded.
Intentional Damage
Damages caused intentionally by the owner, or the driver of the vehicle are not covered.
Comprehensive Car Insurance vs Third-Party Car Insurance
A quick look at the difference between comprehensive car insurance and third-party car insurance shows how coverage and costs vary. The comprehensive vehicle insurance policy protects your own car and third-party risks, while third-party plans only meet the legal minimum.
Feature | Comprehensive Car Insurance | Third-Party Insurance |
Coverage | Offers complete coverage – protects your car, third-party liabilities, and damages due to accidents, fire, theft, or natural calamities | Only covers damage or injury caused to a third party liability; no coverage for your own vehicle |
Premium | Higher premium due to wide-ranging benefits and protection | Lower premium as it includes basic, legally required coverage |
Add-ons Available | Yes – Multiple add-on covers available like Depreciation Cover, Engine Protect, and Roadside Assistance | No add-ons available or customisation options available |
Legal Requirement | Optional but highly recommended for complete protection | Mandatory under the Motor Vehicles Act, 1988 |
Who Should Opt | Best suited for car owners who are looking for 360° protection for their car and long-term value. | Suitable for those looking for basic, law-compliant insurance with limited usage |
Claim Benefits | Covers both own damage and third-party claims | Only third-party claims are covered |
How Does Comprehensive Car Insurance Work?
Comprehensive car insurance is an all-inclusive policy that covers damages beyond just accidents. It protects against theft, fire, natural calamities, vandalism, and third-party liabilities, ensuring financial security for vehicle owners.
1. Policy purchase & premium payment:
● Choose a comprehensive car insurance policy.
● Premiums are based on factors like the car’s value (Insured Declared Value), age, location, and add-ons.
2. Coverage Scope:
● Accident protection: Covers damages to your car due to collisions.
● Theft coverage: If the vehicle is stolen, the insurance compensates based on its market value.
● Fire and natural disasters: Damage from floods, earthquakes, cyclones, or fires is covered.
● Vandalism and riots: If your vehicle is damaged due to civil disturbances, you are eligible for compensation.
● Third-party liabilities: Covers damage or injury caused to a third party in an accident.
3. Claims Process:
● If an incident occurs, you notify the insurer immediately.
● The car is assessed, and if repairable, it can be fixed at a cashless network garage.
● If the car is declared a total loss (damage exceeding 75% of its value), you receive a payout equivalent to the Insured Declared Value (IDV).
Who Should Buy Comprehensive Car Insurance?
Comprehensive car insurance is suitable for anyone who wants robust protection for their vehicle. It is especially beneficial for:
● Car owners who wish to protect their vehicle against a wide range of risks.
● People who frequently drive in areas prone to natural disasters or accidents.
● Those who want financial security and peace of mind in the event of theft, damage, or third-party liability.
● Car owners who want to avail of add-ons like zero depreciation, roadside assistance, and more.
Top Reasons to Buy a Comprehensive Insurance Policy
Own Damage Cover
Comprehensive car insurance covers damages to your vehicle, whether due to accidents, theft, or natural calamities. This coverage protects you from the financial burden of repairs and replacement.
Add-on Covers
With a range of add-on covers like Depreciation Cover, Engine Protect, and NCB Protect, you can customize your insurance policy to suit your needs and ensure maximum protection.
Cashless Claims
Zurich Kotak General Insurance offers a vast network of cashless garages, allowing you to get repairs without paying upfront, making the claim process smooth and hassle-free.
Comprehensive Car Insurance for Old Car
Protection beyond third-Party coverage: Unlike mandatory third-party insurance, comprehensive coverage protects your car from damages due to accidents, theft, natural disasters, and vandalism.
Cashless repairs: Access to a vast network of cashless garages, ensuring smooth repairs without an immediate financial burden.
Theft and total loss protection: If your old car is stolen or damaged beyond repair, the insurance policy helps cover financial losses.
Natural calamities and fire cover: Ensures your vehicle is protected against floods, earthquakes, cyclones, and accidental fires.
Customisable add-ons: Additional covers like depreciation cover, roadside assistance, and engine protect enhance the policy’s benefits.
No Claim Bonus (NCB) benefits: Retain and accumulate discounts on premiums if you don’t make claims.
How to Calculate Comprehensive Car Insurance Premium?
The premium for comprehensive car insurance depends on various factors, including:
● Car make and model: Expensive or high-performance cars typically attract higher premiums.
● Vehicle age: New cars may have lower premiums, while older cars may incur higher costs.
● Add-on covers: Additional coverage options like Depreciation cover or Roadside Assistance can increase the premium.
● No Claim Bonus (NCB): A claim-free history can reduce your premium significantly.
Location: Premiums vary based on the location and associated risks like accident frequency and natural calamities.
Add-on covers under a Comprehensive car insurance policy
To enhance the protection of your vehicle, you can opt for various add-on covers that provide additional benefits. Here are some of the key add-ons available with Zurich Kotak General Insurance:
Depreciation cover
Depreciation add-on ensures that you receive the full claim amount for the replacement of parts without considering depreciation, offering a higher payout for repairs and replacement.
Engine protect cover
This cover safeguards the engine of your vehicle against damage due to water ingress, oil leakage, or any mechanical failure, which is typically excluded in standard policies. Know more about engine protect add-on cover.
Return to invoice cover
If your car is completely damaged or stolen, this add-on ensures that you are reimbursed the original invoice value of the car, including taxes and registration fees. Know more about car insurance return to invoice add-on cover.
Consumables cover
This add-on covers the cost of consumables like engine oil, coolant, and other essential fluids that are typically not covered under standard policies. Know more about car insurance consumables add-on cover.
NCB protect cover
Protect your No Claim Bonus (NCB) with this add-on, ensuring that you do not lose out on the discount even if you make a claim during the policy period.
Key replacement cover
In case your car keys are lost or damaged, this add-on provides coverage for the cost of replacing the keys, ensuring minimal inconvenience.
Tyre cover
This add-on covers for the cost of repair and/or replacement of tyres and tubes caused by accidental loss or damage. Know more about car insurance tyre add-on cover.
Roadside assistance cover
With this add-on, you get 24/7 assistance for a variety of emergencies such as towing, flat tire repair, fuel delivery, and more. Know more about car insurance road assistance add-on cover.
Daily car allowance
In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation. Know more about car insurance daily car allowance add-on cover.
Loss of personal belongings
This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car. know more about car insurance loss of personal belongings add-on cover.
Why choose Zurich Kotak General Insurance for comprehensive car insurance policy?
Experience seamless protection and security with us
Zurich Kotak General Insurance offers a comprehensive car insurance policy designed to protect you from both own-damage and third-party liabilities. It ensures financial security, quick assistance, and added savings, making it a smart choice for vehicle owners.
Complete Protection for Your Car
Enjoy coverage against accidents, theft, fire, floods, and other unforeseen events. Zurich Kotak General Insurance also offers 24x7 roadside assistance for breakdowns, towing, and emergency repairs, giving you peace of mind wherever you travel.
Quick and Effortless Purchase
Buying a Zurich Kotak General Insurance car policy is simple. Apply online, fill in the proposal form, make the payment, and get instant policy issuance — all within minutes.
Affordable Premiums with Big Savings
Premiums start at affordable rates, making it easy to insure your car without overspending. Save up to 50% with a No Claim Bonus, opt for a voluntary deductible, install approved anti-theft devices, or join a recognised automobile association for additional discounts.
Instant Discounts and Value-Added Benefits
Get attractive discounts on renewal premiums and enjoy extra savings by combining eligible offers. These benefits ensure you receive maximum value while maintaining robust coverage.
24x7 Customer Support
Zurich Kotak General Insurance provides round-the-clock assistance for buying, renewing, or making claims. The customer care team is available anytime to address queries, complaints, or feedback.
Trusted and Reliable Insurance Partner
With a wide network of cashless garages across India, Zurich Kotak General Insurance ensures fast claim settlements and quality repairs. Choosing their comprehensive car insurance means securing your vehicle with a reliable, customer-first approach.
How to buy comprehensive car insurance online?
You can easily buy a comprehensive car insurance policy online through Zurich Kotak General Insurance’s website. Simply follow these steps:
Visit the website and select the "Car Insurance" section.
Fill in your car details, including make, model, and year of manufacture.
Choose the coverage options and add-ons that suit your requirements.
Enter your personal details and payment information.
Review and confirm your purchase. Your policy will be issued instantly.
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Factors that affect Comprehensive Car Insurance premium
When it comes to buying a comprehensive insurance policy, the premium you pay isn’t fixed. It depends on a range of factors that help the insurer assess the risk and coverage needed for your vehicle. Here are the factors that can affect your insurance pre
Tips for choosing the right comprehensive car insurance plan
Here are some tips on how to select comprehensive car insurance
Choose a policy that offers a high IDV so that your claim is maximised in the case of total loss or theft.
Choose an insurer that has a wide network of cashless garages for each cashless claim settlement.
Look for the available premium discounts so that you can save more
Look for suitable add-ons and add them to the base policy for enhanced coverage
Understand the claim process of the car insurance policy. Choose a policy whose claim process is the easiest so that you don’t face problems during emergencies.
Check the add-on premiums to ensure that the policy remains affordable in your pockets.
Opt for the personal accident cover because it offers a considerable sum insured for very low premiums and gives additional coverage in the case of accidental emergencies.
Maintain a no-claim bonus and use it to claim the maximum possible premium discount if you are renewing the policy. So, know how to choose comprehensive car insurance online and buy the right plan.
How to file a comprehensive car insurance claim at Zurich Kotak General Insurance
In case of a claim, follow these steps to ensure a smooth process:
1. Intimate insurance company: Notify Zurich Kotak General Insurance about the incident as soon as possible, either through the website or customer care. 1800 266 4545 (8 a.m. – 8 p.m.
2. Submit necessary documents: Provide documents such as the FIR (in case of theft or accident), vehicle registration, and other necessary details.
3. Claim assessment: Our team will assess the damage and guide you through the claim process.
4. Repair and settlement: After approval, your vehicle will be repaired at a network garage, and the costs will be covered under the policy, subject to the terms and conditions.
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
Post work approval by the insurer, the vehicle can be repaired by the policyholder at the garage of their choice.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
How to download your policy copy
Here is your step-by-step guide to access your policy copy
Misplacing your car insurance policy can result in unnecessary fines. To get an instant copy, simply follow these steps:
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Choosing a cashless claim at a cashless network garage helps you avoid large upfront expenses. After the insurer’s approval, repair costs for covered damages are settled directly with the garage, and you only pay applicable deductibles and non-payable items. This process typically reduces paperwork and speeds up delivery, especially during stressful roadside events.
Additional Note on Cashless Repairs
Cashless service is available only at network garages empanelled by the insurer. Always confirm network availability in your city before authorising repairs. Share your claim number with the garage, ensure pre-repair approval from the insurer, and review the final job card. You’ll pay the compulsory/voluntary deductible and expenses not covered by the comprehensive policy; the insurer handles the approved balance directly with the garage.
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.
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Frequently Asked Questions on Comprehensive insurance policy
No, a comprehensive car insurance policy is not mandated by law. The Motor Vehicles Act of 1988 necessitates only a third-party plan. Though not necessary, the comprehensive car insurance policy is a better alternative as it gives a wider scope of coverage.
Most policies are annual and need renewal every year. Long-term options for new private cars may be available as per regulatory norms, while own-damage is commonly renewed annually.
A comprehensive insurance cover for cars is one that covers the mandatory third-party legal liability and the damages that the car itself might suffer. The policy also covers theft of the car and secures your finances against car-related emergencies.
Yes, damages to the engine is covered under a comprehensive car insurance policy by opting for Engine Protect Add on Cover. It covers consequential loss to engine & gear box parts because of water ingression and oil leakage due to accidental undercarriage damage.
A fully comprehensive car insurance plan generally means own-damage plus third-party liability, along with optional add-ons that extend comprehensive insurance coverage—for example, Zero Depreciation, Engine Protect, and Roadside Assistance. It aims to minimise out-of-pocket costs after insured events like collisions, theft, or floods. Scope varies by insurer, so always review inclusions, exclusions, deductibles, and add-on terms before purchase.
“Full coverage” is an informal term; in practice, buyers compare comprehensive car insurance with third-party-only. Comprehensive insurance coverage is broader because it protects your vehicle as well as third-party liabilities, and supports add-ons for specific risks. Third-party is cheaper but limited. If your goal is stronger financial protection for your own car, comprehensive generally offers better value.
Broadly, the comprehensive car insurance policy is a single product, but you can tailor it using add-ons and IDV choices. Some insurers offer variants (e.g., with embedded add-ons or higher roadside assistance limits). You can also choose voluntary deductibles to lower premiums. Always compare features, comprehensive coverage, claim service, and garage network before deciding.
Yes, most comprehensive insurance coverage includes calamities like floods, storms, cyclones, earthquakes, and landslides. Do check exclusions and claim conditions—especially if you drive in flood-prone areas. Consider add-ons such as Engine Protect to cover consequential engine damage from water ingress after an insured event.
Performance or cosmetic modifications can change risk and premium. You must declare modifications when buying or renewing your comprehensive policy. Undisclosed changes may lead to reduced claim payouts or claim denial. Certain accessories (e.g., CNG kits) may require endorsement. Keep invoices and approval certificates, and verify if add-on coverage is advisable after modifications.
For cashless claims, raise a claim, get surveyor approval, and the insurer settles eligible repair costs with the network garage; you pay deductibles and non-payables. For reimbursement, you pay the garage first and later submit bills for refund. Settlement depends on policy terms, depreciation, excess, add-ons, and documentation quality.
Yes. All you have to do is: input the vehicle/policy particulars, review the all-inclusive features of the insurance, change the IDV/add-ons, and pay securely. If eligible, apply NCB to reduce the premium. Make sure there is absolutely no break in coverage; if expired, inspection may be needed. Save your soft copy/number for your own use and for use for any traffic stops and future claims.
Generally, newer or higher values are the higher end of the scale as are flood-prone areas. Choosing a voluntary deductible and maintaining NCB will help with the cost. To get a ballpark figure - use a comprehensive car insurance premium calculator. Assess your options before you sign up.