Our WhatsApp number cannot be used for calls. This is chat only number.
6500+
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
Ever heard of car insurance with CASHBACK! Our METER (SWITCH ON/ SWITCH OFF) add-on cover makes this possible. Meter is available with Car Secure, our Private Car Insurance Policy .
With Meter, you can switch on your insurance when your car is in use and switch it off when it is not. Earn reward days and get cashback on your Own Damage (OD) premium for the duration your car has been parked idle.
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 coverage .
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 Zero Depreciation Cover add-on , depreciation gets covered. It is not deducted from the claim amount and the claim payout is higher.
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. Know more about car insurance engine protect add on .
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 coverage
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.
IDV is the maximum sum your insurer will pay if your vehicle is stolen or declared a total loss. It reflects your car’s current market value after depreciation. Setting the right IDV helps balance your car insurance premium and claim amount.
NCB is a discount on your car insurance premium earned for each claim-free policy year, starting at 20% and going up to 50%. It’s transferable when switching insurers and encourages safe driving habits.
A depreciation cover, often called zero depreciation add-on, ensures your claim amount isn’t reduced due to part depreciation. It covers full replacement costs of damaged parts, excluding wear and tear, during a valid claim.
The premium is the cost you pay to keep your car insurance policy active. Factors like IDV, vehicle age, coverage type, add-ons, and claim history influence the premium amount.
Coverage refers to the protection your car insurance policy offers—ranging from third-party liabilities to own-damage protection against accidents, theft, fire, and natural or man-made calamities.
Own Damage cover protects your vehicle against accidental damage, theft, fire, and natural disasters. It’s available as part of a comprehensive policy or as a standalone cover alongside third-party insurance.
Cashless claims let you get repairs at authorised network garages without paying the full bill upfront. Your insurer directly settles the approved amount with the garage, reducing out-of-pocket expenses.
Comprehensive insurance offers complete protection by combining third-party liability cover with own-damage coverage, plus the option to add extra benefits through add-ons for enhanced security.
A deductible is the fixed amount you must pay from your pocket before your insurer covers the remaining repair cost during a claim. Choosing a higher voluntary deductible can lower your premium.
Coverage that compensates for damages or injuries caused to another person, vehicle, or property.
Compensation for injuries, disability, or death of the insured person due to an accident.
A modification or addition to the existing insurance policy.
A list of garages where repairs can be availed without paying upfront, as the insurer settles the bill directly.
The percentage of claims settled by an insurance provider against the total claims received.
An add-on service that provides help in case of breakdowns, flat tires, or battery failure.
The additional period after policy expiry during which the policyholder can renew their insurance without losing benefits.
Questions you may have about Zurich Kotak General Insurance
Yes, it is mandatory to download the Mobile application. It is available on Play Store/ App Store. In case the Mobile App is not downloaded, then the status of the policy shall be considered as “SWITCH ON”/ ACTIVE and in such cases, if the vehicle is not in use for more than 24 hours then the Insured is not entitled to receive the reward day as the status will not be updated on the App.
In this scenario, the cashback (reward) days will not be counted. The Insured will have to take the responsibility to managing the status of insurance cover (On/ Off) in the Mobile App to get the benefits of the cover
In this scenario, in the event of an unfortunate accident (except for Third party claim/ damages due to Fire, AOG perils) the insurance cover will not be available as the cover was not switched on.
To avail the benefits of reward days discount in renewal policy , policy should be renewed within 45 days of expiring date of the on-going policy
Reward Days | Discount on OD premium |
20 – 60 | 15.00% |
61 – 120 | 25.00% |
121 – above | 40.00% |
When the App is set to INACTIVE state, then any accidental damage to the car in that period is not covered however other covers like – Theft, Fire, Riot & Strike and AOG perils are continually covered throughout the period of the insurance cover without break. Hence your damages will be paid.
When the App is set to INACTIVE state, then any accidental damage to the car in that period is not covered however other covers like – Theft, Fire, Riot & Strike and AOG perils are continually covered throughout the period of the insurance cover without break. Hence your damages will not be paid.
The benefits of this add-on cannot be transferred to another vehicle or insurer
At the end of the policy period, in case the customer does not renew the policy, he can take a premium refund.
Reward days discount will not be offered if any claim is registered and paid in expiring policy.
