Car Insurance

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.

·       Vehicle Registration Certificate (RC)

·       Previous Insurance Policy (for renewal cases)

·       KYC Documents (Aadhaar, PAN, Passport, etc.)

·       Pollution Under Control (PUC) Certificate (if applicable)

·       Visit the Zurich Kotak General Insurance official website.

·       Enter vehicle details (Make, Model, Variant, Year of Manufacture).

·       Choose a policy type (third-party/comprehensive) and add-ons.

·       Get a premium quote and proceed with payment.

·       Receive an instant policy via email.

·       Vehicle Type & Age: Luxury and high-end cars have higher premiums.

·       Location: Metro cities have higher premiums due to accident risks.

·       No-Claim Bonus (NCB): Discounts are offered for claim-free years.

·       Add-ons Chosen: Extra covers like Zero Depreciation cover or Engine Protect increase costs.

·       Car Modifications: Performance enhancements or customizations can lead to higher premiums.

Yes, but you need to ensure that the ownership is transferred and a new insurance policy is issued in your name.

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

·       Your policy will lapse, leaving you legally and financially unprotected.

·       You lose No-Claim Bonus (NCB) benefits.

·       Your car may require inspection before policy renewal.

·       If caught driving an uninsured car, you can face fines of ₹2,000 - ₹4,000 or imprisonment.

·       Log in to the Zurich Kotak General Insurance website.

·       Enter policy details or vehicle registration number.

·       Choose add-ons or modify the coverage if needed.

·       Proceed with payment and receive the renewed policy instantly.

Yes, you can switch to another insurer at the time of renewal. Make sure to get a policy without a break to retain No-Claim Bonus (NCB) benefits.

Some insurers offer a grace period of 15-30 days, but claims cannot be filed during this period.

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 Registration Certificate (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 Registration Certificate (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.

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.

·       Inform Zurich Kotak General Insurance immediately after an accident.

·       File a claim online or call customer support.

·       Submit documents like FIR copy (for major accidents), RC, and insurance policy.

·       The insurer will arrange for a surveyor to assess the damage.

·       Post-approval, you can either get a cashless repair or reimbursement.

A cashless claim means you don’t have to pay for repairs upfront. Instead, the insurer directly settles the bill with a network garage.

·       Duly filled Claim Form

·       Insurance Policy Copy

·       Vehicle Registration Certificate (RC)

·       Driving License of the policyholder

·       FIR Copy (for theft/major accidents)

·       Repair Invoice (for reimbursement claims)

·       Third-Party Claim: If your vehicle has caused damage to another vehicle/person.

·       Own Damage Claim: If your car is damaged due to an accident, fire, or natural disaster.

·       Total Loss Claim: If the vehicle is stolen or completely damaged beyond repair.

·       Cashless claims (at network garages) are processed within a few days.

·       Reimbursement claims may take 7-15 working days depending on document submission.

Yes, following are the few scenarios basis which your claims can be rejected:

·       Driving under influence of alcohol/drugs.

·       Policy lapse at the time of the accident.

·       Incorrect information provided in the claim form.

·       Using the car for commercial purposes when insured as a private vehicle.