Honda Car Insurance
Car insurance price starting at just ₹2,094*
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
Buy/Renew Honda car insurance policy online
Driving a Honda is exciting, but the road can be full of surprises. Accidents, theft, natural disasters, or damage to others can quickly lead to unexpected expenses and stress. With the right insurance, you can leave those worries behind. Car insurance plans from Zurich Kotak General Insurance provide comprehensive protection while keeping your coverage simple to manage. Whether you’re buying a new honda car insurance policy or renewing online, features like cashless repairs, quick claim settlements, and flexible options let you drive your Honda with confidence and peace of mind.
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Why do you need Honda car insurance?
You need vehicle insurance because it protects you financially and keeps you legally compliant while driving. Car insurance ensures that expenses from accidents, theft, or natural disasters don’t come entirely out of your pocket. It also covers mandatory
Legal Requirement
Third-party insurance is mandatory in India. Without it, you can be fined or penalised.
Financial Protection
Covers repair costs for accidental damage, fire, theft, or natural disasters.
Third-Party Liability
Protects you against expenses from injury, death, or property damage caused to others.
Add-On Benefits
Options such as roadside assistance, zero depreciation, and engine protection provide added peace of mind.
NCB Savings
Renewing on time and maintaining a claim-free record can help you reduce premiums through a No Claim Bonus (NCB).
Types of Honda car insurance plans
Honda car insurance policies are available in different types to meet varied coverage needs.
A comprehensive car insurance policy offers extensive protection by covering both third-party liabilities and own damage to the insured Honda car. It provides financial cover against losses arising from accidents, theft, fire, natural calamities, and other insured events. Policyholders can enhance the scope of protection by opting for add-ons such as zero depreciation, roadside assistance, and engine protection. This plan is generally suitable for new or high-value Honda models.
Third-party car insurance is a statutory requirement under the Motor Vehicles Act, 1988. This policy covers legal liabilities towards third parties in the event of bodily injury, disability, death, or property damage caused by the insured Honda car. However, it does not cover damages to the insured vehicle itself.
A standalone own-damage insurance policy provides coverage only for the insured Honda car. It covers accidental damages, theft, fire, natural calamities, and specific man-made incidents. This plan is available only if the policyholder already has a valid third-party liability policy, as required by law.
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What is covered and not covered under the Honda car insurance policy?
Knowing the details of what your Honda car insurance policy includes and excludes is essential for making well-informed decisions and avoiding unexpected issues when making claims.
Accidental Damage
Repair or replacement costs arising from unexpected collisions or impact-related damages.
Theft & Total Loss
Compensation up to the Insured Declared Value (IDV) if your Honda is stolen or declared a total loss, subject to a valid FIR.
Fire, Explosion & Self-Ignition
Covers damages caused by fire, lightning, explosion, or self-ignition incidents.
Natural Disasters
Protection against floods, earthquakes, storms, cyclones, and other natural disasters, as defined in your policy.
Man-Made Perils
Covers damages due to riots, strikes, vandalism, and terrorism (excluding war, nuclear, and government actions).
Third-Party Liability
Covers bodily injury, death, or property damage caused to third parties by your Honda.
Personal Accident Cover
Compensation for injury or death of the owner-driver up to the specified sum assured.
Add-On Covers (if opted)
Includes Zero Depreciation Cover, Roadside Assistance, Engine Protect, Consumables Cover, Return-to-Invoice, and other purchased add-ons.
Unlicensed Driving
Accidents occurring while driving without a valid licence.
Driving Under Influence
Claims arising while under the influence of alcohol or drugs are rejected.
Mechanical & Electrical Failures
Non-accident-related breakdowns and wear of vehicle parts are excluded.
Normal Wear & Tear
Regular ageing, depreciation, and minor scratches or dents not caused by an insured event.
Racing or Unauthorised Commercial Use
Losses during racing, ride-sharing, delivery, or other prohibited commercial activities.
Intentional or Deliberate Damage
Any willful or fraudulent damage is not covered.
War, Mutiny, Terrorism Escalation & Nuclear Risks
Losses due to war, mutiny, nuclear events, or government seizure are excluded.
Geographical Limits
Accidents occurring outside the territorial limits of the policy without international cover.
Policy Lapse
Claims are invalid if the insurance policy has expired or is no longer in effect.
Consumables & Excessive Labour Charges
Regular consumables, such as oil, nuts, bolts, and lubricants, as well as excessive labour charges during repairs, are not covered under the base policy.
Benefits of Buying Honda Car Insurance Online
Buying or renewing makes insuring your Honda car simpler:
● Instant policy issuance without paperwork.
● Paperless renewal with No Claim Bonus continuity.
● Compare premiums easily online.
● Secure storage of digital policies.
● Online claim registration and tracking anytime.
● Access to discounts and offers for online purchases.
With Zurich Kotak, online processes make insuring your Honda more efficient, affordable, and convenient.
Honda car insurance add-ons
Enhance your Honda insurance coverage with these useful add-ons:
Depreciation Cover
Ensures full claim settlement for replaced parts without depreciation deductions, maximising the approved claim amount.
Roadside Assistance
Provides 24/7 support, including towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-spot repairs nationwide.
Engine Protect
Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden mechanical failures.
Consumables Cover
Covers small parts and expendables, such as nuts, bolts, lubricants, and filters, used during claim-related repairs, reducing out-of-pocket expenses.
Return to Invoice
Reimburses the difference between the original invoice value and the Insured Declared Value (IDV) in case of total loss or theft.
Loss of Personal Belongings
Reimburses stolen or damaged personal items from the insured vehicle during a covered incident, subject to policy limits.
Tyre Protect
Covers repair or replacement costs for tyres and tubes damaged due to road hazards or accidents, excluding normal wear and tear.
Clutch Protect
Covers repair or replacement costs for the clutch assembly and related parts if damaged due to clutch burn.
Key Replacement
Covers the cost of replacing lost or stolen car keys.
How to Buy or Renew a Honda Insurance Policy?
Buying or renewing your Honda car insurance online is easy with Zurich Kotak.
Get a Quote – Visit the Zurich Kotak car insurance page and click on “Get a Car Insurance Quote.”
Fill Car Details – Enter your Honda’s registration number, model, make, and other required details.
Fill Personal Details – Provide your personal information and, if renewing, your existing policy number.
Make Payment – Pay the premium securely online.
Receive Policy – Get your digital Honda insurance policy instantly via email or SMS.
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Factors impacting the premium of Honda car insurance
Several factors affect the Honda car insurance price:
How to renew Honda 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!
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
Documents required for filing a car insurance claim
To ensure a smooth and quick claim process for your Honda car insurance, keep the following documents ready:
A copy of your insurance policy document.
Valid photo identity proof of the policyholder.
The driver’s driving licence at the time of the incident.
Completed and signed claim form.
FIR (First Information Report) copy in case of theft, loss, or any third-party claim.
Estimate of repair from the garage (if applicable).
Any additional documents requested after the vehicle inspection.
How to download your Honda car insurance policy copy?
Here are the steps to download your Honda car insurance policy copy online:
Visit the official website or mobile app of your car insurance provider & Navigate to the “Policy Documents” or "Customer Service" section.
Enter your policy number and registered mobile number or email ID & Request an OTP (One-Time Password), which will be sent to your registered contact.
Enter the OTP for verification & Once verified, you can download your Honda car insurance policy document in PDF format.
Save the downloaded document securely on your device for future use.
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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Frequently Asked Questions
The premium depends on your Honda’s IDV, age, model, engine capacity, location, claim history, and chosen add-ons. A higher IDV or premium model increases the cost, while a No Claim Bonus (NCB) reduces the renewal premiums. Comparing plans online helps balance coverage and affordability when purchasing or renewing your Honda car insurance digitally.
In most cases, if you renew your Honda insurance online before policy expiry, an inspection isn’t required. However, if there’s a lapse or major modifications, Zurich Kotak may arrange a quick inspection. Renewing on time avoids delays, keeps NCB benefits active, and ensures uninterrupted protection for your Honda.
Yes, if you fail to renew your Honda car insurance within the renewal period, your accumulated No Claim Bonus (NCB) benefit will lapse. Timely renewal ensures continued discounts on premiums and uninterrupted protection. Zurich Kotak’s quick online renewal process helps you avoid lapses and retain valuable NCB benefits.
Roadside assistance is available as an optional add-on with Zurich Kotak Honda car insurance. It offers 24/7 support, including towing (within 50 km), battery jump-start, flat tyre assistance, emergency fuel delivery (up to 5 litres), lockout help, and on-site minor repairs. This add-on ensures you're never stranded during breakdowns, offering convenience and peace of mind on the road.
Zero depreciation cover is available as an add-on with your Zurich Kotak Honda car insurance. It ensures claim settlement without depreciation deductions on parts such as plastic, fibre components, and glass. This add-on is recommended for new or premium Honda cars, helping to maximise claim value and limit out-of-pocket expenses. Generally, it applies to vehicles up to five years old.