Car Insurance

Don’t choose based on low premiums alone. Look for:

●      Right IDV

●      Service quality

●      Claim settlement ratio

●      Go online and enter car details

●      Choose policy type and add-ons

●      Calculate premium

Pay online and get policy instantly

·       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.

Add-on covers are typically only available with comprehensive policies or standalone own-damage policies. Third-party-only policies don’t cover your own vehicle’s damage, so add-ons like zero depreciation, engine protection, or roadside assistance can’t be added.  If you require wider coverage, consider switching to a comprehensive policy and then purchase add-ons.

Yes, buying car insurance online is secure as long as you are using the official website of a reputable insurer. Buying online has secure payment gateways, instant policy issuance, and you can easily see valid comparisons of plans! Always check the issuer's IRDAI registration before paying to make sure your policy is legally valid and enforceable.

A car insurance premium calculator estimates your policy cost based on details like vehicle make, model, age, location, IDV, and add-ons. By entering accurate information, you can compare premiums instantly, customise your four-wheeler insurance coverage, and find a plan that balances affordability and protection.

The car insurance price is a combination of several components, including the third-party premium, own-damage premium, and any add-ons you choose. The final price is determined by factors that help the insurer assess the risk of a claim.

Yes, the car insurance price is often higher for diesel cars. This is because diesel vehicles are generally more expensive to repair, and their spare parts can be costlier compared to petrol cars, which increases the insurer's risk.

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.

●      Uninterrupted coverage

●      No legal penalties

●      Retain NCB

●      No inspection needed

●      Avoid premium hikes

●      Visit Zurich Kotak renewal page

●      Enter policy/customer ID

●      Verify & make payment

Get renewed policy instantly

• ●      Select car insurance plan

  ●      Enter previous policy number

  ●      Enter mobile number

  ●      Complete purchase

·       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.

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.

Yes, usually 15–30 days, but claims can’t be filed during this time.

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.

●      Inform insurer

●      File FIR

●      Publish in newspaper

●      Submit application

●      Provide indemnity bond notarized

●      File FIR

●      Get RC extract from RTO

●      Submit required forms and RC extract to insurer

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.

The process to claim car insurance online is to notify your insurer ASAP, provide the details of your policy and incident, and then provide the required details. Once repairs have been completed, you can submit any documents required for cashless claims (in this case, the repairs will be made at a garage permitted by the insurer) or simply repair the vehicle wherever you want (reimbursement claim), and submit the claim with bills required for approval by the insurer. The insurer will confirm whether the costs are eligible for payment after verification as per the details in your policy.