Electric Car Insurance
Limit your speed, not your car insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4400+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
93.56%
Claim Settlement Ratio
24/7
Around The Clock Assistance
Note: The above data is till 30th Sep, 2024
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 electric car insurance from Zurich Kotak General Insurance
Discover the exciting Car Insurance Features that go the extra mile for your safety
Additional Zurich Kotak Car Insurance features
We believe in going above and beyond for your safety. Check out our new additional features
Affordable premiums
Get coverage with affordable premiums
Optional Add-on
Range of add-ons for wider coverage
Third-party liability
Coverage against third-party bodily injury, death and property damage
Own Damage Cover
Coverage of Rs.15 lakhs against accidental deaths and permanent disablements
Personal accident cover
Coverage of Rs.15 lakhs against accidental deaths and permanent disablements
Easy cashless claims
Network of 4000+ garages for easy cashless claims
Claim TAT
Quick settlement of claims, jet-speed style
No Claim Bonus
Enjoy up to 50% NCB and reduce your premiums
Round-the-clock assistance
We are at your service, 24/7
Policy purchase
Online issuance and renewals
Documentation
Zero paperwork needed
Add-ons available
24x7 Roadside Assistance, Daily Car Allowance, Engine Protect, Depreciation Cover, Return to Invoice, Consumables Cover, Tyre Cover, Loss of personal belonging, Key Replacement, NCB Protect & Switch On/ Switch Off (METER)
Why Do You need EV car insurance?
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 liabilities
Third-party liabilities occur if your car physically hurts or kills another individual or causes third-party property damage. These contingencies are covered under the policy. 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. To know more about difference between third-party and comprehensive car insurance click here
Coverage against man-made and natural calamities
A comprehensive car insurance plan covers both man-made and 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
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.
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.
Types of Electric Vehicle Insurance in India plans by Zurich Kotak General Insurance
There are two main types of electric vehicle insurance plans that are available in the Indian market. These electric vehicle insurance types are as follows
As the name suggests, a comprehensive policy is one that offers an all-inclusive scope of coverage. The policy covers the mandatory third-party legal liability as well as the damages that the insured car might suffer. So, if your car is damaged due to a natural or man-made calamity, the comprehensive policy will bear the financial loss that you have suffered. Click here to know more
This policy covers the basic legal mandate of third-party financial liabilities. If your car causes physical injury, death or property damage against any third party, the policy will cover the financial loss that the third party has suffered. However, damages suffered by your own car are not covered under this type of electric vehicle insurance policy. Click here to know more
Don't overspend on 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 | ||
| Get Quote | Get Quote |
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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 car insurance policy by Zurich Kotak
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 per law. As such, Zurich Kotak Car Insurance covers third party liabilities that you might incur. 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.
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. The car insurance covers both partial damage and total loss of the vehicle
The calamities covered include the following
Natural calamities – earthquake, flood, storm, tempest, cyclone, hurricane, lightning, subsidence, landslide, etc.
Man-made calamities – Fire, explosion or implosion, riots, malicious acts, strike, etc.
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 in a lump sum 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, a lump sum benefit is paid.
Add-on Cover
A range of add-on covers are offered by Zurich Kotak Car Insurance plans. These add-ons are available at minimal additional premiums and they help in enhancing the scope of 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 car insurance policy by Zurich Kotak
To best 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
Loss/Damage to the vehicle/accessory/accessories arising by the following will not be covered:
Normal wear and tear and general aging of the vehicle
Depreciation or any consequential losses(* Unless separately covered by add ons)
Optional 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
Add-ons are available under comprehensive Zurich Kotak Car Insurance policy. These add-ons in car insurance allow additional coverage and are optional in nature. The range of add-ons in Zurich Kotak Car Insurance are as follows:
% of Annual Premium | Period |
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. |
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 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. |
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. |
24X7 Roadside Assistance | 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
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.
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 Protection Cover
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.
Return to Invoice Cover
Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss
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.
24X7 Roadside Assistance 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 Cover
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 Cover
This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car.
Why choose Zurich Kotak for online electric vehicle insurance
Experience seamless protection and security with us
You and Car Secure have the mutual goal of keeping your car safe and sound. Under any unforeseen circumstances, Zurich Kotak Car Insurance provides all-around protection. With Car Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Zurich Kotak’s cashless garage network across India.
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, 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 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 savings. 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’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, 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 a electric insurance policy
Zurich Kotak General Insurance offers different types of car insurance plans
More Economical
When you compare car insurance online, you will be able to determine which is the best policy for you based on its cost. The only thing to note here is that one should consciously compare similar types of car insurance policies.
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 of the insurer is easy
Online research into an insurance provider is more straightforward than offline research. Before buying a new car insurance online, you can check the company's website to learn more about its 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.
Steps to buy car insurance online from Zurich Kotak General Insurance
Hassle-free insurance at your fingertips with our easy and fast online process
Get All-round protection for your precious vehicle in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.
Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in your car details such as registration number, model, make etc.
Fill in you personal details and make the payment online.
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
How to choose four-wheeler insurance for a new car
Know the essential factors to consider when choosing four-wheeler insurance for a new car
Looking for new car insurance?
Here are some tips on how to choose car insurance for new car
Opt for a comprehensive new car insurance policy.
A new car should have an all-around protection. That is what a comprehensive car insurance policy offers. So, choose a comprehensive car insurance for new cars for an inclusive scope of coverage against possible financial losses.
Choose a suitable IDV & add-ons.
The Insured Declared Value is the maximum coverage liability that the insurance company undertakes when insuring your car. This is the value that is paid when you suffer a theft or total loss. So, a higher IDV is a better choice as the claim pay out is higher in theft or total loss cases.
Select suitable add-ons
Make your new car insurance policy more comprehensive with add-ons. Choose suitable add-ons depending on your coverage needs and get wider coverage. Enjoy higher claim pay-outs and better financial security.
Claim the applicable discounts
As mentioned earlier, Zurich Kotak’s comprehensive car insurance policy allows a range of premium discounts that can reduce the new car insurance price. So, look for these discounts and claim the ones which are available for your car. If you had a previous car whose no claim bonus has been accumulated, transfer the bonus to the new car and get a discount on the new car insurance price.
Check new car insurance price
Compare the new car insurance price across different policies. Choose the new car insurance policy that offers the most competitive rate of premium without compromising on the coverage. For instance, Zurich Kotak offers affordable policies for your new car with a comprehensive scope of coverage.
Check the networked garages
Networked garages allow you to avail of the cashless claim facility. So, the wider the network of such garages, the better. Check the list of networked garages in your area to know which garage would serve the purpose when you suffer a claim.
Know the claim settlement process
You need to follow the claim settlement process for a quick claim settlement. So, check the claim settlement process of the insurance company. Also, look for a policy that has a streamlined process and simplifies the claim experience, just like Zurich Kotak does.
Check the Claim Settlement Ratio
Lastly, check the Claim Settlement Ratio of the insurance company as it indicates the percentage of claims that the company has settled. A high ratio is a better choice since it fosters trust on the insurer. For instance, Zurich Kotak has a Claim Settlement Ratio of 97% which shows that the company settles most of its claims and can be trusted for your new car insurance.
How to buy insurance for a new car
We'll walk you through buying insurance for your new car
Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in you personal details and make the payment online.
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How car insurance premium is calculated
Let's talk about how car insurance premiums are calculated
How car insurance premium is calculated?
Know the process for the car insurance premium calculation? Want to know how much your car insurance cost would? You can use the car insurance premium calculator to find out.
The car insurance premium calculator is an online tool that is easy to use. It gives you the exact amount of car insurance premium and helps you buy the policy too.
To use the car premium calculator, you just have to enter a few details. These details are as follows –
The type of policy that you want
The make, model and variant of your car
The registration date of the car
The registration location
Claim history, i.e., whether you made claims in the previous years or not.
Available no claim bonus, if you did not make claims in the previous year
The add-ons that you add to the comprehensive policy
The discounts that you can avail
The car insurance premium calculator uses these factors in premium calculation. Here’s how these factors affect your car insurance premium
Type of policy selected
The car insurance premium depends on the type of policy that you choose. Comprehensive car insurance plans are dearer than third party liability plans since they offer a wider scope of coverage.
Make, model and variant
The make, model and variant of the car determine the cost of the car which, in turn, affects the premium.
Registration date/age of the car
The registration date of the car indicates its age. As the car gets older, its value depreciates. That is why the car insurance premium is lower for older cars compared to newer ones.
Registration location
Registration location also has a bearing on the car insurance premium. This is because the probability of damage and the cost of repairs at metro cities is higher compared to non-metro cities. Insurers divide Indian cities into tiers and the car insurance premium is higher for cars registered in Tier 1 cities compared to those registered in Tier 2 cities.
Previous claims
The claim history is assessed when calculating the car insurance premium. This is because the claim history determines the no claim bonus which allows a premium discount.
Add-ons selected
The claim history is assessed when calculating the car insurance premium. This is because the claim history determines the no claim bonus which allows a premium discount.
Applicable discounts
The claim history is assessed when calculating the car insurance premium. This is because the claim history determines the no claim bonus which allows a premium discount.
Coverage tenure
Lastly, the coverage tenure also affects the car insurance premium calculated. Long-term car insurance plans, like 3-year third party liability plans or bundled plans, cost a higher amount of premium compared to annual plans. So, enter the correct details in the car insurance premium calculator to work out the premium payable for your car insurance policy either when you buy the plan or when you renew it.
Factors affecting four-wheeler insurance premium
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.
Check the claim settlement process of the insurance company. A company that offers the easiest claim settlement process will be the right choice.
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.
Advantages of renewing car insurance online
Here's why online car insurance renewal is a win for you
Steps to renew car insurance policy online from Zurich Kotak General Insurance
Follow these quick steps to renew your car insurance policy and keep your car protected always
Your car insurance is just a click away. Visit the Zurich Kotak Car Insurance page to get your car insurance quote.
Visit https:www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew
Enter your policy number and mobile number and click on ‘Submit’.
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you
Pay the renewal premium and your policy will be done instantly!
How to renew car insurance for an old car
Renew your old car with ease, we're here to help
With Zurich Kotak General Insurance, you can renew car insurance policy by just entering your existing policy number or customer ID on the page. Once your policy number/customer ID is verified, you can make the payment to renew your insurance instantly. Want to renew your car insurance policy? Zurich Kotak makes your job easy! Zurich Kotak Car Insurance can be done online in a few simple steps. Read on how –
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
Enter your policy number and mobile number and click on ‘Submit’.
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.
Pay the renewal premium and your policy will be done instantly!
Why should you renew car insurance policy without break in
Know the importance of renewing your car insurance to stay covered
Continuous coverage
Renewing your car insurance policy without a break ensures that you maintain continuous coverage. A gap in coverage is considered as a potential risk and it may result in higher premiums when you decide to get a coverage again.
Financial protection
Car insurance provides financial protection and stability against unexpected events like accidents, theft or damage to your vehicle. You will have to bear full cost of repair or replacement without insurance which can be substantial.
No loss of benefits
No-claims bonus or discounts are few benefits that accumulate over time for loyal customers. Renewing your car insurance policy can provide significant savings on your premiums and you can enjoy such benefits.
How to file a car insurance claim at Zurich Kotak General Insurance
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
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 car 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
KYC documents required to buy car insurance
Check out the KYC documents required for your car insurance purchase
The KYC (Know your customer) documents required to buy car insurance may vary depending on the insurance company and the jurisdiction you are in. However, here are some common documents that are typically required:
Identity proof
Address proof
Vehicle registration certificate
Previous insurance details
Driving license
PAN card
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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RTO- Regional Transport Office
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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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Zero depreciation cover helps you protect your car against all physical damages caused to the car without factoring in the element of depreciation. Normally the insurer accounts for depreciation on your car's parts and therefore pay you your claim only after subtracting the amount of depreciation. But, with the Zero depreciation add-on, you get claim amount without deducting the depreciation.
First foremost, you have to apply for a car insurance transfer by paying a transfer fee along with the documents mentioned below:
Existing Insured's consent
New Customer's Proposal
Transferred RC Copy / Sale Proof
Inspection of Vehicle (If request received post 14 days of transfer)
NCB Recovery, if any
Recovery / Refund of ODPA, if any
Transfer Fee
Then hand over the new policy schedule to the new policy holder.
The IDV is an important factor that decides the price of car insurance. Insured declared value is a fixed value in a car insurance policy at which your car is insured. Few factors that impact IDV are:
Car type:
The value of the car depends upon its type. Generally, there are 3 types - SUVs, hatchbacks, and sedans. You may also find sports car variants or vintage cars. The value of an SUV is higher than a hatchback; similarly, a vintage car though old, has a higher value than most new cars.
Variant of the car:
Same cars of the same brand may have advanced features that place the car at a higher variant. The higher the variant of the car, the more the value of the car, which increases the IDV.
Purchase location:
The on-road price of the same cars varies across different locations. This change in price can change the value of the IDV of the same vehicle at different purchase locations.
Depreciation:
Depreciation is the reduction in the value of the car over the years due to general wear and tear. It is inversely proportional to the value of the car. The higher the depreciation lower is the car’s value.
Accessories:
The car accessories also depreciate over time and are also included in calculating the IDV of your car.
Your car insurance is just a click away.
Visit the Zurich Kotak Car Insurance page to get your car insurance online.
Click on the “Get Quote” button
Fill in the required details such as registration number, model, make etc.
Quote for car insurance will be generated basis the details submitted
Proceed to submit the proposer details
Make the payment
Car insurance policy document will be generated which can then be saved
No matter how much you pay for your car insurance, you can always get a discount on your car insurance premium with
No Claim Bonus on Car Insurance:
No claim bonus is a discount that is given to you if you have not raised any claim during the policy tenure. Retaining the no claim bonus helps you to get a higher discount every year on your car insurance renewal.
Security measures:
Installing anti-theft or security devices ensures that your car is safe from theft which in turn reduces your premium for car insurance policy.
While comparing car insurance quotes, buyers generally look for insurance policies that provide maximum coverage at the lowest premium. While this can be a factor but completely depending upon low premiums can be a big mistake. Instead, you must look at
The right IDV
Better services
Claim settlement ratio
Second hand car insurance is available for used cars. You can choose from a third party liability policy or a comprehensive one. Buying old car insurance is similar to buying new car insurance. You just have to go online, provide your car’s details, select the coverage that you need, add add-ons, if required and calculate the premium.
Pay the premium online and the second hand car insurance policy will be issued.
Zurich Kotak allows quick and hassle-free purchase of old car insurance. To buy old car insurance for your second hand car, you can simply follow the below-mentioned steps –
Visit https://www.zurichkotak.com/ and select ‘Car Insurance’
Enter the registration number of your car and your mobile number.
The details of your car will be displayed. If there are any changes, you can do the edits.
Check out the old car insurance plans available for your used car and their premium.
Select a suitable policy and click on ‘Buy Now’.
Fill up the proposal form and pay the premium online
Your policy will be issued instantly.
You should not let your car insurance lapse and renew it immediately if expired. In case you renew it after expiry, the following outcomes may follow:
If you have earned any No Claim Bonus over the last few years of the policy period, you might lose the same.
After your insurance expires, your car is not insured and that may put you and your car at considerable financial and legal risk in case of any.
Having at least third-party car insurance is mandatory by law, so in case you are charged under the law for driving without valid car insurance, you will get fined or face legal implications.
On-time car insurance renewals have multiple benefits. Have a look –
When the policy is not renewed on time, the coverage lapses. A lapse means that the coverage stops and any financial loss that you incur is not borne by the insurance company. With on-time car insurance renewals, you can enjoy uninterrupted coverage, without a break. In the case of an accident, theft or third party liability, the coverage will compensate you for the financial loss suffered.
Lapsed coverage is also problematic if you are caught by traffic authorities. They might charge a fine or a penalty for not having a valid insurance coverage. With on-time car insurance renewal, you have valid coverage and you can avoid legal hassles.
You can retain the no claim bonus that you have accumulated through the previous claim-free years.
Timely car policy renewal also eliminates the need of inspection which is usually required if you renew the policy after it has lapsed.
Lastly, on renewing car insurance timely, you can enjoy lower premiums since insurers might charge an additional premium if your policy has lapsed and the coverage is not active.
Renewing your car insurance is crucial to ensure seamless protection. At Zurich Kotak General Insurance, the renewal of car insurance is quick and hassle-free. It is advised to renew your policy before it expires, though, even if your car insurance policy has expired, all you need to do is enter your existing policy number or customer ID on the online car insurance renewal page. Once your policy number/customer ID is verified, you can make the payment to renew your car insurance instantly
To renew your car insurance policy for old cars, click here.
Select your desired car insurance plan
Enter your previous car insurance policy number
Enter your mobile number
And you can buy new car insurance for your old car
At Zurich Kotak General Insurance, we settle your car insurance claims within 7 days of submitting all your requisite documents. Also, the sooner you raise a claim, the sooner your car will get repaired and the sooner your claim will be settled.
For the car insurance claim process, you would need to
Inform us about the damage
Submit the claim intimation form
Submit all necessary information
We will send a surveyor for inspection within 24 hours.
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
Click on the link
Enter your policy number
Enter your registered Mobile number
Or
Your registered email id
And Click on Get OTP
Type the OTP and click on download car insurance policy document
To get the duplicate car insurance policy offline, you will have to
Inform the insurance provider about the loss of papers
File an FIR at the nearest police station
Need to publish an advertisement in your state newspaper
Need to submit an application to your car insurance provider for duplicate papers
Get an indemnity bond acknowledged by the notary
If you have lost your RC book, then you have to register a complaint with the police at the nearest police station. You must provide all the details about how and where exactly you lost your RC card. Then fill in the required forms and mention the registration number of your vehicle, model, your name and address, the chassis number of the vehicle, engine number, etc. The Regional Transport Office then provides an RC extract that can be submitted with other requested documents for filing the car insurance claim.
The cashless claim process in car insurance refers to a smooth way of settling insurance claims. It processes claims without any payment by policyholder for the repair expenses caused due to any damage or accident. To know more watch this video
Car insurance: Cashless claim process
The reimbursement claim process is an alternative to the cashless claim process. In this process, the policyholder pays for the repairs or damages caused due to accident. To know more watch this video
Car insurance: Reimbursement claim process