Product | UIN No. |
|---|---|
Car Secure | IRDAN152RP0006V04201516 |
Written By : Zurich Kotak General Insurance - Last updated: 04th May, 2026
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
5700+
Cashless garages
Jet-speed
claims
Upto 50%
No claim bonus
24/7
Around the clock assistance
Note: The above data is till 1st April, 2025
Benefits of car insurance
Car insurance is a financial protection policy that helps you manage expenses arising from damage, loss, or legal liabilities involving your vehicle. If your car is damaged by an accident, fire, theft, or natural events like floods, your insurance can cover repair or replacement costs. It also includes third-party liability protection, which is mandatory for all vehicles in India under the Motor Vehicles Act, so you are not responsible for these expenses.
When you buy a policy or go for a car insurance renewal, choosing a comprehensive plan gives you wider coverage for both third-party liabilities and damage to your own car. Under the current GST structure in India, motor insurance premiums continue to include 18% GST. With transparent pricing and the right coverage, you can drive with confidence knowing that both you and your car are financially protected.
With Zurich Kotak, you can buy or renew car insurance online with ease and benefit from a high claim-settlement ratio, a network of 5,700+ cashless garages across India, and an INR 15 lakh Compulsory Personal Accident (CPA) cover for the owner-driver. Competitive premiums and a fully digital process help ensure that you stay protected on every journey.
Key features of Zurich Kotak’s Car Insurance
Experience hassle-free coverage with these standout features:
Why do you need car insurance?
Car insurance is your safety net on the roads. Explore more why you need it
Mandated by Law
4 wheeler insurance is required by the Motor Vehicles Act of 1988, to drive your vehicle on public roads, ensuring legal compliance.
Coverage against man-made events and natural calamities
Safeguards your car from events like accidents, floods, earthquakes, and more.
Theft cover
Provides compensation if your car is stolen, helping you recover from financial loss.
Add-on covers
Allows customisation of your policy with additional benefits like engine protect, depreciation cover and more.
Compensation for financial loss
Helps cover repair or replacement costs for your vehicle after an accident or damage.
Personal accident cover
Offers financial assistance in case of injury to the driver during an accident.
Peace of mind
Provides reassurance, knowing you're protected from potential risks and expenses.
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What's covered/not covered under Car Insurance Policy
Accidental Damage
Your car insurance policy covers repair or replacement costs due to unexpected collisions or impact-related damages.
Fire, Explosion & Self-Ignition
Protects your vehicle from losses due to fire, explosion, or spontaneous ignition incidents.
Theft & Total Loss
Compensation up to the Insured Declared Value (IDV) if your car is stolen or declared a total loss.
Natural Calamities
Covers damage from floods, storms, cyclones, earthquakes, and other natural disasters as defined in your four-wheeler insurance policy.
Third-Party Liabilities
Legally required cover for third-party injury, death, or property damage caused by your insured vehicle
Personal Accident Cover
Compensation for injury or death of the owner-driver (up to specified sum assured) under comprehensive policy.
Mechanical & Electrical Failures
Claims for pure mechanical or electrical breakdown and general wear and tear are excluded.
Consumables & Labour
Regular consumables (like oil, nuts, bolts) and excessive labour charges are not covered under standard base policy coverage
Driving Without Licence / Under Influence
Claims are rejected if the driver lacks a valid licence or is under the influence of alcohol/drugs
Racing or Unauthorized Commercial Use
Vehicle use in racing events or for commercial purposes like ride-share/delivery is not covered.
War, War-like Scenarios & Nuclear Risks
Excludes damage from war, mutiny, terrorism escalation (besides terrorism), or nuclear risks.
Intentional or Deliberate Damage
Any willful damage or fraudulent claims are voided.
Normal Wear and Tear
Regular deterioration of vehicle parts over time.
Unauthorized Usage
Use in racing, commercial activities, or other excluded scenarios.
Out-of-Territory Accidents
Accidents occurring beyond the policy’s geographical limits.
Zurich Kotak car insurance add–on covers
Enhance your car insurance policy by opting for add-ons that provide additional financial protection.
Depreciation Cover add-on
The Depreciation Cover add-on ensures full claim payout for replaced parts without depreciation deductions, maximizing your settlement for approved claims.
Roadside Assistance add-on
The Roadside Assistance add-on provides 24×7 help: towing, battery jump-starts, emergency fuel, flat-tyre assistance, and minor on-spot repairs nationwide.
Engine Protect add-on
The Engine Protect add-on covers repair or replacement costs for engine and gearbox damage caused by water ingression, oil leakage, or sudden failures.
Consumables add-on
The Consumables add-on covers small parts and expendables—nuts, bolts, lubricants, filters and similar items—used during claim-related repairs, reducing out-of-pocket expenses.
Return to Invoice add-on
The Return to Invoice add-on reimburses the difference between the original invoice and Insured Declared Value in case of total loss or theft.
Loss of Personal Belongings add-on
The Loss of Personal Belongings add-on reimburses stolen or damaged personal items from the insured vehicle during a covered incident, subject to policy limits.
Tyre Protect add-on
The Tyre Protect add-on covers repair or replacement costs for tyres and tubes damaged due to road hazards or accidents, excluding wear and tear.
Clutch Protect add-on
The Clutch Protect add-on covers repair or replacement costs of the clutch assembly and related parts damaged due to clutch burn
Key replacement add-on
Covers the cost of replacing lost or stolen car keys.
What are factors affecting car insurance premium?
Premiums are calculated based on various risk factors. Some key determinants include:
