Electric Car Insurance
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Instant policy with zero paper-work
Quick and hassle-free claim process
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Note: The above data is till 1st April, 2025
What is Electric Car Insurance?
With the world going green to protect the environment, electric cars have become need of an hour. They are the future of four-wheelers as they save fuel costs and also keep the environment clean. Today, electric cars have become popular as many people are opting for these environment-friendly vehicles. However, before driving a vehicle on Indian roads, just like any other car, there is a mandatory requirement for car insurance for electric vehicle too.
The Motor Vehicles Act of 1988 requires every electric car to carry valid electric car insurance coverage when driving on Indian roads. Just like a driving license is necessary, so is car insurance for every car owner.
Similar to the car insurance policy for petrol and diesel cars, the EV car insurance policy offers financial protection to your vehicle against liabilities such as accidental damage, fire, natural calamities, riots, theft of the insured vehicle and third-party injuries or damages to their property. For instance, if you are involved in an accident, and your car causes physical injury to another individual, you will incur a financial liability for the injury that your car caused. The EV insurance policy will take care of this financial liability. It will compensate the individual for the financial loss if your car is damaged and needs repairs, the e-vehicle insurance policy will pay for the repair costs.
Depending on the type of electric auto insurance policy you choose, if you suffer a covered loss, the EV car insurance policy will pay compensation for the financial loss that you suffer. The insurance for EV cars will, thus, secure you financially and also take care of the mandatory requirement of driving the car.
Key Features of Zurich Kotak's Electric Car Insurance
Discover the exciting car insurance features that go the extra mile for your safety
Why Insurance for Electric Cars?
Car insurance is your safety net on the roads. Explore more why you need it
Legally mandatory
Firstly, a car insurance policy is mandated by law. The Motor Vehicles Act of 1988 requires every car to be insured under a valid third-party coverage before you take it for a spin. So, to comply with the legal requirements and avoid penalties, car insurance becomes a must.
Coverage against third-party liability
Third-party liability occur if your car causes death or bodily injury to third-party or causes third-party property damage. Get coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicle Act, 1988. To know more about difference between third-party and comprehensive car insurance click here
Coverage against natural calamities
A comprehensive car insurance plan covers natural calamities. Enjoy coverage against damages suffered due to earthquakes, lightning, flood, hurricanes, storm, landslide, fire, riots, strike, explosion, etc.
Theft cover
If your car is stolen, you not only lose an asset, but also incur a considerable financial loss. This loss is covered under a comprehensive car policy and you get compensated for the loss suffered.
Add-ons covers
Comprehensive car insurance plans allow a range of add-ons that enhance the coverage. You can get 24/7 assistance in the case of emergencies, nullify the effect of depreciation on the claim, get the original invoice value of the car in the case of theft or total loss and more. Choose one or more add-ons and get to enhance the cover and make your policy more inclusive. Know more about comprehensive car insurance in India and add-ons here.
Compensation for financial loss
If your car suffers a damage, you might incur a considerable financial outgo on its repairs. In the case of a theft, the loss is considerable as cars come expensive. Third-party liabilities might also amount to a sizeable financial strain. A comprehensive car insurance policy takes care of these contingencies and compensate you for the loss that you might suffer.
Personal accident cover
Coverage of Rs.15 lakhs against accidental death and disablement.
Peace of mind
Comprehensive car insurance plans allow a range of add-ons that enhance the coverage. You can get 24/7 assistance in the case of emergencies, nullify the effect of depreciation on the claim, get the original invoice value of the car in the case of theft or total loss and more. Choose one or more add-ons and get to enhance the cover and make your policy more inclusive. Know more about comprehensive car insurance in India and add-ons here.
List of Electric Vehicle Insurance Plans in India
A journey towards a greener future: electric vehicles (EVs) are becoming a popular choice in India. However, just like conventional vehicles, your EV needs financial protection on the road. That’s where Zurich Kotak's electric vehicle insurance comes in.
Third party insurance policy is the mandatory insurance cover as per Indian law. It protects you against:
Injuries or death of a third-party individual
Damages to third-party property
Legal liabilities arising due to accidents involving your EV
However, it’s important to note that this policy does not cover damages to your own EV. So, while it’s essential for compliance, it offers limited financial protection.
A comprehensive policy is one that offers an all-inclusive scope of coverage. This plan offers a double layer of protection:
Third-party liability cover (mandatory)
Own damage cover, which includes:
Accidents and collisions
Fire and explosions
Natural calamities (floods, storms, etc.)
Vandalism, riots, and theft
Don't overspend on Electric Car Insurance
Compare Car Insurance plans
| Premium Features | Comprehensive Plan | Own Damage Plan |
Cashless repairs | ||
No claim bonus up to 50% | ||
Coverage to electrical/non-electrical accessories | ||
Coverage to bi-fuel systems | ||
Damage to third party property | ||
Third party’s death or injury | ||
Zero Depreciation cover add-on inbuilt | ||
Extra coverage with optional add-ons | ||
| Standard Features | ||
Car damage | ||
Theft coverage | ||
Personal accident cover | ||
Car damage due to natural disasters | ||
Car damage due to man-made calamities eg: riots | ||
Car damage due to fire | ||
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Electrical accessories
Insuring your vehicle’s every need and providing comprehensive plan that covers all electrical/non-electrical accessories.
Fire
Don’t let fire damage to your car ruin your life. Stay protected against any loss and get compensated for damages caused by fire.
Self ignition
Get compensated for losses incurred from combustion that occurs without the use of an external heat source.
Natural disasters
When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.
Personal accident
Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.
Explosion
Keeping your property safe & covered from the damages caused by rapid nuclear or chemical reactions.
Wear, tear & general aging of vehicle
We do not cover any damages due to normal wear and tear and general aging of the vehicle
Depreciation or consequential losses
Our coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).
Vehicle used otherwise
We do not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.
Mechanical/Electrical breakdown
Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.
Any contractual liability
You are not covered under our insurance policy for any contractual liability if you are found to be responsible for the damages.
Influence of drugs or liquor
We do not cover damage to/by a person who is driving under the influence of drugs or alcohol.
Vehicle without valid license
Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.
Nuclear risk or war
We do not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service
Car insurance coverage
What is Covered Under the New E-Vehicle Comprehensive Policy?
Zurich Kotak Car Insurance policy covers the following types of contingencies and compensates you for the loss suffered
Third-party cover
The third-party cover is mandatory as per the Motor Vehicles Act, 1988. As such, Zurich Kotak Car Insurance covers third-party liability that you might incur. Get coverage up to the legal liability for claims related to bodily injury, death or property damage.
Own damage cover
If your car is damaged due to natural or man-made calamities, the financial loss incurred is covered under the Zurich Kotak Car Insurance plan.
Theft cover
If someone steals your car and you can’t trace it back, the financial loss suffered is also covered under the Zurich Kotak Car Insurance plan. The Insured Declared Value is paid so that you are duly compensated for the loss suffered.
Personal Accident cover
Zurich Kotak Car Insurance allows you the option to add the personal accident cover to your policy. The cover gives additional protection against accidental deaths and permanent total disablements with a sum insured of Rs.15 lakhs. If the driver or owner dies in an accident or becomes permanently disabled, the sum insured is paid.
Add-on covers
A range of add-on covers are offered by Zurich Kotak Car Insurance plans. These add-ons are available at an additional premium and they help in enhancing coverage of the policy. You can enhance the claim payout or enjoy additional protection with the add-ons that Zurich Kotak Car Insurance offers.
Cashless claim settlements
Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage
What is Not Covered Under the New E-Vehicle Comprehensive Policy?
To enjoy all your inclusions, you must also learn about the exclusions. It’s ideal to have every piece of information before you buy Car Insurance online or offline. Here is a list of all the exclusions from our car insurance policy:
Normal wear and tear and general aging of the vehicle
Depreciation or any consequential losses(* Unless separately covered by add-ons)
Vehicle being used otherwise than in accordance with limitations as to use
Mechanical/electrical breakdown
Any contractual liability
Damage to/by a person driving the vehicle under the influence of drugs or liquor
Damage to/by a person driving the vehicle without a valid license
Damages due to nuclear risk or war
Cancellation grid
In case you would like to cancel your car insurance policy within a year, we will retain a portion of the premium as specified below
Period | % of Annual Premium |
Not exceeding 1 month | 20% |
Exceeding 1 month but not exceeding 2 month | 30% |
Exceeding 2 months but not exceeding 3 months | 40% |
Exceeding 3 months but not exceeding 4 month | 50% |
Exceeding 4 months but not exceeding 5 months | 60% |
Exceeding 5 months but not exceeding 6 months | 70% |
Exceeding 6 months but not exceeding 7 months | 80% |
Exceeding 7 months but not exceeding 8 months | 90% |
Exceeding 8 months Full Annual Premium | Full Annual Premium |
Add-ons available with Car Insurance Policy by Zurich Kotak General Insurance
Add-ons are available under comprehensive car insurance policy that allows additional coverage and are optional in nature. The range of add-on covers in Zurich Kotak Car Insurance are as follows:
Name of the add-on | Description |
Consumables cover | Consumables are items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. |
Depreciation cover | Depreciation is not covered under car insurance. In the case of claim, the cost of depreciation is deducted from the cost of repairing or replacing the parts. However, with the Depreciation Cover add-on, depreciation gets covered. It is not deducted from the claim amount and the claim payout is higher. |
Engine Protect | The engine suffers a damage due to water seepage or water logging, the add-on would cover such damages and pay for the repair or replacement of the damaged engine. |
Return to Invoice | If the engine suffers a damage due to water seepage or water logging, the add-on would cover such damages and pay for the repair or replacement of the damaged engine are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. |
If the engine suffers a damage due to water seepage or water logging, the add-on would cover such damages and pay for the repair or replacement of the damaged engine are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. | |
Tyre Cover | This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. |
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. |
NCB Protect | 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. |
Loss of Personal Belongings | This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car. |
Key Replacement | This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car |
Add–ons available with car insurance policy by Zurich Kotak General Insurance
Customize your coverage with our amazing add-ons - they're like bonus features for your car protection!
Consumables cover
Consumables are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. Know more about car insurance consumables add-on cover.
Depreciation cover
Depreciation is not covered under car insurance. In the case of claim, the cost of depreciation is deducted from the cost of repairing or replacing the parts. However, with the depreciation add-on cover, depreciation gets covered. It is not deducted from the claim amount and the claim payout is higher.
Engine protect cover
If the engine suffers a consequential damage due to water ingression/ leakage of lubricating oil, the add-on would cover any expenses incurred in repair or replacement of engine parts. Know more about car insurance engine protect add-on cover.
Return to invoice cover
Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss. Know more about car insurance return to invoice add-on cover.
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
This add-on allows roadside assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. 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.
NCB protect cover
This add-on protects the NCB discount which the insurer is eligible upon renewal for the next policy year, which would been otherwise lost, if claims were made in the policy year.
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.
Key replacement cover
This add-on covers the financial loss that you might suffer if the keys of the insured car is lost, stolen or damaged.
Why choose Zurich Kotak's electric car insurance online?
Experience seamless protection and security with us
Zurich Kotak Car Insurance provides all-around protection. With Car Secure, enjoy enhanced protection that pays for first-party and third-party damages. For any critical or non-urgent circumstance, you can rely on our 24-hours assistance. Get the benefit of a maximum of 50% no claim bonus.
Time saving car policy
No need to spend hours in buying a car insurance policy for your car. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your car and take it for a spin without worrying about potential financial losses.
Money saving car policy
Zurich Kotak Car Insurance comes at affordable premiums starting as low as Rs.2094. So, insure your car without burning a hole in your pockets with Zurich Kotak Car Insurance plans.
Effort saving car policy
At Zurich Kotak General Insurance, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Instant discounts on car policy
Zurich Kotak General Insurance offers car insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra discounts. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.
24x7 Customer care support for car policy
Need help in buying, renewing or making a claim on your car insurance policy? Zurich Kotak General Insurance’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.
Trusted and reliable car policy
At Zurich Kotak General Insurance, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Top reasons to buy an electric insurance policy
Zurich Kotak General Insurance offers different types of car insurance plans
Paperless transactions
Car insurance require you to answer basic questions about yourself and your vehicle. Based on these questions, you can select the insurance coverage you wish to buy for your vehicle. You won't need any paperwork to buy a car insurance online.
Instant policy
When you buy car insurance offline, processing physical paperwork takes a long time; however, when you purchase a car insurance online, information is processed instantly, and your policy is issued immediately.
More convenience
Online car insurance purchases are more convenient than traditional ones. You can buy an insurance policy at one in the morning from the convenience of your home and still have a smooth transaction. Buying car insurance online offers ease.
Checking the credibility online
Online research is more straightforward than offline research. Before buying a new car insurance online, you can check our website to learn more about incurred claim ratio, claim filing process, and claim resolution time. To obtain a clearer picture, you can also read reviews left by current or former customers.
How to get an online quote for EV car insurance
See how simple it is to get a car insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as car registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Car Insurance Page and review coverage
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Tips to choose the right electric car insurance policy
Understand the key factors that affect your four-wheeler insurance premiums
Tips to choose the right electric car insurance policy
Here are some tips on how to choose a car insurance policy
Choose a comprehensive car insurance plan for wider coverage.
Choose an electric car insurance that offers the most inclusive scope of coverage
Look for the widest network of cashless garages that allow easy cashless claims.
Choose suitable add-ons so that you can avail the maximum coverage against the electric car insurance.
Go for a hassle-free policy which is easy to buy, service and claim.
Ensure that the IDV is high so that you get a higher claim payment in the case of theft or total loss.
How to renew electric car insurance online?
Renewing your electric car insurance is quick, convenient, and completely online with Zurich Kotak General Insurance. Whether your current EV insurance is about to expire or you simply want to stay ahead, our hassle-free digital process ensures your vehic
Step-by-Step Guide to Renewing Your Electric Vehicle Insurance Online:
Visit Zurich Kotak’s Official Website.
Go to www.zurichkotak.com and navigate to the Motor Insurance section or directly to the Electric Car Insurance page.
Select the Renewal Option
Click on the ‘Renew Policy’ button. Choose Car Insurance as your category and proceed.
Enter Vehicle Details
Fill in your electric car’s registration number and any additional details required to fetch your existing policy.
Review Your Existing Coverage
Your current policy details will appear on the screen. Check your coverage, insured declared value (IDV), and add-ons like Zero Depreciation, Battery Protection, or Roadside Assistance.
Customize Your Plan (Optional)
Modify your coverage based on your evolving needs. You can add or remove covers to ensure your electric vehicle insurance provides the ideal protection.
Get an Instant Quote
Based on your updated selections, a fresh premium quote will be displayed instantly.
Make Secure Online Payment
Once satisfied with the coverage and pricing, proceed to pay using secure digital options—credit/debit card, UPI, or net banking.
Download Policy Instantly
After payment confirmation, your renewed electric car insurance policy will be available for instant download. You’ll also receive a soft copy on your registered email.
How to File a Claim for an Electric Vehicle?
Filing a claim has never been this easy – we made sure of it
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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
List of documents required for filing a electric vehicle insurance claim
Get familiar with the documents needed for speedy claim process
Documents required for car insurance claim
To raise a motor insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to download your policy copy
Here is your step-by-step guide to access 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.
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
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 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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