Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
4600+
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
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 4,600+ 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.
Experience hassle-free coverage with these standout features:
Provides financial coverage for vehicle repairs, replacements, or losses due to accidents, theft, fire, or natural and man-made disasters.
Ensures you meet the mandatory legal requirement of having valid vehicle insurance under the Motor Vehicles Act, 1988, in India.
Choose from flexible coverage plans, add-on options, and policy terms to tailor your car insurance online purchase to your needs.
Access a wide network of over 1,800 authorised cashless garages for convenient, hassle-free repairs without any upfront payment.
Complete the process to buy car insurance online quickly and securely with minimal documentation and instant policy issuance.
Stay insured at all times to avoid heavy traffic fines, legal issues, and financial losses from uninsured driving incidents.
Car insurance is your safety net on the roads. Explore more why you need it
Four-wheeler insurance is required by the Motor Vehicles Act of 1988, to drive your vehicle on public roads, ensuring legal compliance.
Safeguards your car from events like accidents, floods, earthquakes, and more.
Provides compensation if your car is stolen, helping you recover from financial loss.
Allows customisation of your policy with additional benefits like engine protect, depreciation cover and more.
Helps cover repair or replacement costs for your vehicle after an accident or damage.
Offers financial assistance in case of injury to the driver during an accident.
Provides reassurance, knowing you're protected from potential risks and expenses.
Know the diverse range of our insurance plans and find the perfect one that suits your driving needs
A comprehensive car insurance policy offers the highest level of coverage, providing financial protection against third-party liabilities and damages to the insured vehicle. In addition to road accidents, it covers losses caused by natural disasters, human-made incidents, fire, explosions, lightning, self-ignition, theft, and more. This policy ensures extensive financial security in various unforeseen circumstances.
In India, third-party car insurance policy is a legal requirement for all the motor vehicles. Also referred to as a liability-only car insurance policy, it is the most fundamental type of coverage available. This policy ensures that the insurer covers expenses related to bodily injuries, temporary or permanent disabilities, and fatalities of third parties resulting from an accident involving the insured vehicle. Additionally, it offers financial protection for damages caused to third-party property.
A stand-alone or own damage (OD) car insurance policy plan provides coverage exclusively for damages sustained by the insured's four-wheeler due to natural calamities or man-made events, calamities, fire, explosions, theft, or other unforeseen incidents. However, to avail themselves of standalone own-damage insurance, the insured must also have an active Third-Party Liability policy.
See what makes our car insurance policies stand out!
A comprehensive car insurance plan provides an all-around coverage and covers the mandatory third-party liability.
Covers damages suffered by the car
If your car is damaged due to natural or man-made causes, the comprehensive car insurance plan covers for the loss suffered.
Coverage for theft
The comprehensive plan also covers theft of the car and pays the Insured Declared Value (IDV) against the same.
Personal accident cover for the owner/driver
A personal accident cover is available for the owner or driver of the car with a sum insured of Rs.15 lakhs. The cover pays a benefit in the case of accidental death or permanent total disability due to an accident.
Range of add-ons
Add-ons are optional additional benefits that you can choose with the comprehensive cover by paying extra premium. Zurich Kotak General Insurance’s comprehensive car insurance policy allows a choice of multiple add-ons for an inclusive coverage.
Premium discounts
You can avail premium discounts for installing safety devices in your car, for being a member of an automobile association, for choosing a voluntary deductible etc. These discounts bring down the premium cost.
No claim bonus
If you don’t make a claim in your comprehensive car insurance plan, you earn a no claim bonus. The bonus starts at 20% after the first claim-free year and keeps on increasing after each successive claim-free year. You can earn up to 50% no claim bonus and claim an equivalent discount on the premium.
Cashless claim settlements
Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage.
Coverage against third-party liabilities
If you incur any financial liability caused by your car, resulting in a bodily injury or property damage to a third party, such liabilities are covered by the third-party car insurance policy. If you face such liabilities, the policy compensates the third party on your behalf.
Low premiums
The premiums for third party car insurance plans are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The premiums depend on the cubic capacity and segment of the car and are low.
Mandatory requirement
The third-party car insurance policy is a mandatory requirement as specified under the Motor Vehicles Act, 1988. So, if you own a car, you have to buy the third-party coverage mandatorily.
Long-term coverage
For new cars, the third-party coverage is mandatory for a long-term period of three years. You don’t have to renew the policy every year.
High coverage
The amount under third-party policy decided by the motor tribunal. Whatever is the liability amount, the policy covers it.
Online issuance
Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage
Coverage for own damages
The own damage insurance for car covers the damages suffered by the car. Such damages can be due to natural or man-made calamities. For instance, the own damage cover will pay for the repair costs if the car is damaged due to earthquake, flood, landslide, storm, fire, ignition, strike, riots, etc. Even if the car is totalled, the loss suffered is compensated.
Coverage against theft
If the car is stolen, you get compensated for the considerable financial loss that you suffer. You can use the compensation received to replace the lost car or pay off an existing car loan.
Optional add-ons
Different add-ons are available with own damage car insurance policies. Such add-ons are optional and help in increasing the scope of coverage at a minimal additional premium.
No claim bonus
You earn a no claim bonus every year when you don’t make a claim under the own damage insurance for car. The no claim bonus can be used as a premium discount on renewals. The bonus starts from 20% and jumps to 50% after five successive claim-free years.
Premium discounts
You can enjoy different types of premium discounts on the own damage premium. These discounts make the premium more affordable.
One-year term
The own damage cover is available for a term of one year after which you can renew it for continuous coverage.
Covers damages suffered by the car
If your car is damaged due to natural or man-made causes, the comprehensive car insurance plan covers for the loss suffered.
Coverage for theft
The comprehensive plan also covers theft of the car and pays the Insured Declared Value (IDV) against the same.
Personal accident cover for the owner/driver
A personal accident cover is available for the owner or driver of the car with a sum insured of Rs.15 lakhs. The cover pays a benefit in the case of accidental death or permanent total disability due to an accident.
Range of add-ons
Add-ons are optional additional benefits that you can choose with the comprehensive cover by paying extra premium. Zurich Kotak General Insurance’s comprehensive car insurance policy allows a choice of multiple add-ons for an inclusive coverage.
Premium discounts
You can avail premium discounts for installing safety devices in your car, for being a member of an automobile association, for choosing a voluntary deductible etc. These discounts bring down the premium cost.
No claim bonus
If you don’t make a claim in your comprehensive car insurance plan, you earn a no claim bonus. The bonus starts at 20% after the first claim-free year and keeps on increasing after each successive claim-free year. You can earn up to 50% no claim bonus and claim an equivalent discount on the premium.
Cashless claim settlements
Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage.
| Premium features | Comprehensive car insurance | own damage car insurance |
Cashless repairs | ||
No claim bonus up to 50% | ||
Coverage to electrical/non-electrical accessories | ||
Coverage to bi-fuel systems | ||
Damage to third party property | ||
Third party’s death or injury | ||
Extra coverage with optional add-ons | ||
| Standard features | ||
Car damage | ||
Theft coverage | ||
Personal accident cover | ||
Car damage due to natural disasters | ||
Car damage due to man-made calamities eg: riots | ||
Car damage due to fire | ||
| Get Quote | Get Quote |
Hi there, how can we help you?
I wanna know about my premium car
Your car insurance policy covers repair or replacement costs due to unexpected collisions or impact-related damages.
Protects your vehicle from losses due to fire, explosion, or spontaneous ignition incidents.
Compensation up to the Insured Declared Value (IDV) if your car is stolen or declared a total loss.
Covers damage from floods, storms, cyclones, earthquakes, and other natural disasters as defined in your four-wheeler insurance policy.
Legally required cover for third-party injury, death, or property damage caused by your insured vehicle
Compensation for injury or death of the owner-driver (up to specified sum assured) under comprehensive policy.
Claims for pure mechanical or electrical breakdown and general wear and tear are excluded.
Regular consumables (like oil, nuts, bolts) and excessive labour charges are not covered under standard base policy coverage
Claims are rejected if the driver lacks a valid licence or is under the influence of alcohol/drugs
Vehicle use in racing events or for commercial purposes like ride-share/delivery is not covered.
Excludes damage from war, mutiny, terrorism escalation (besides terrorism), or nuclear risks.
Any willful damage or fraudulent claims are voided.
Regular deterioration of vehicle parts over time.
Use in racing, commercial activities, or other excluded scenarios.
Accidents occurring beyond the policy’s geographical limits.
Comprehensive car insurance for electric vehicles covers own-damage and third-party liabilities. It provides financial cover for your electric vehicle when it comes to repairs, battery damage, theft incidents, and mishaps when plugged into a charging point. Most electric car insurance purchased online with comprehensive cover has discounts available, particularly if you opt for anti-theft options.
Electric vehicles have unique components that carry high repair and replacement costs, especially the traction battery, electric motor and home charging equipment. A standard car insurance policy may not fully cover damage caused by electrical faults, water exposure during heavy rain, charging issues at home, or incidents like rodent bites and theft of charging cables. Having protection designed specifically for EVs helps ensure that unexpected repair bills do not become a burden.
Zurich Kotak offers this support through EV Protect, an add-on available with its comprehensive motor insurance. It includes extended cover for the battery, motor and charger if they are affected by incidents such as power surges, moisture build-up or short circuits. Repairs can be arranged at authorised centres, helping keep both the vehicle and its essential electrical systems in the best possible condition. EV Protect can also be combined with helpful options such as roadside assistance, consumables cover, and support when the car is off the road for repairs, making the driving experience more seamless and secure for EV owners
Choose the Right Policy Type – Decide between third-party, comprehensive, or standalone own-damage coverage to suit your risk profile and budget.
Compare Add-Ons Judiciously – Consider value-enhancing options like depreciation cover, roadside assistance, consumables cover, or engine protection before adding to the policy.
Check Claim Settlement Ratio (CSR) – Opt for insurers with a high CSR (ideally above 90%), ensuring smoother claim processing.
Set Correct IDV – A realistic Insured Declared Value helps avoid overpaying premiums or facing underinsurance at claim time
Leverage Online Discounts – Buying or renewing car insurance online may bring extra savings, especially on EV policies
Feature / Factor | Car Insurance - New | Car Insurance Renewal |
Premium Costs | Usually higher due to full IDV and depreciation | Often lower with NCB discounts and adjusted IDV |
No Claim Bonus (NCB) | Fresh NCB at 0% | Can save up to 50%, reducing car insurance premium |
Add-on Availability | Full range of add-ons available | Depends on prior selections and provider flexibility |
Claims History Influence | No impact yet | Past claims may result in higher premiums |
Policy Terms & Benefits | Full tenure benefits (e.g., depreciation cover) | May lose some benefits if switching providers |
Premium rates for third-party insurance vary based on the vehicle category and engine capacity.
Vehicle Type | Premium Price (Approx) |
Hatchbacks (Up to 1000cc) | INR 2,094 – 3,416 |
Sedans (1000cc - 1500cc) | INR 3,416 – 4,800 |
SUVs (Above 1500cc) | INR 4,800 – 7,897 |
In case you would like to cancel your car insurance policy within a year, we will retain a portion of the premium as specified below
Period | % of Annual Premium |
Not exceeding 1 month | 20% |
Exceeding 1 month but not exceeding 2 month | 30% |
Exceeding 2 months but not exceeding 3 months | 40% |
Exceeding 3 months but not exceeding 4 month | 50% |
Exceeding 4 months but not exceeding 5 months | 60% |
Exceeding 5 months but not exceeding 6 months | 70% |
Exceeding 6 months but not exceeding 7 months | 80% |
Exceeding 7 months but not exceeding 8 months | 90% |
Exceeding 8 months Full Annual Premium | Full Annual Premium |
A No Claim Bonus (NCB) is a reward that lowers your car insurance renewal premium when you complete a policy year without making any claim. It applies only to the own-damage portion of the policy, helping you save money while encouraging safer driving habits. The discount generally starts at 20% after the first claim-free year and can increase up to 50% with continuous claim-free renewals.
For example, if your own-damage premium is INR 10,000 and you have a 20% NCB, you would pay INR 8,000 at renewal, while a 50% NCB may bring it down to INR 5,000.
NCB is removed or reduced if a claim is raised, especially when it involves repair costs that could have been paid personally. For minor damage, many vehicle owners choose to avoid filing a claim to protect their growing NCB benefit. If you change insurers, you can retain and transfer your accumulated NCB, provided the renewal happens within the allowed grace period.
Renewing on time and maintaining a clean driving record helps ensure maximum savings year after year. In simple terms, the fewer claims you make, the more money you save at renewal.
Renewing your car insurance policy before the expiry date ensures that your protection continues without any gap. Even a short lapse in coverage means your car is uninsured, making you legally liable and financially exposed if an accident or damage occurs. A delay may also result in losing your accumulated NCB, which increases the premium you pay at the next renewal.
Insurers may require a vehicle inspection if your policy expires, and premiums could rise if the coverage has been inactive. Renewing your insurance on time keeps essential protection intact, maintains savings and ensures you remain compliant while driving on Indian roads.
The easiest way to check your car insurance renewal date is to refer to your existing Zurich Kotak policy document, where the expiry date is clearly mentioned. You can also log in to the Zurich Kotak website or mobile app to access your policy details anytime and view renewal information instantly. Renewal reminders are sent via email, SMS, and app notifications, helping you stay updated well before the due date. Setting a personal reminder on your phone or calendar can add extra convenience. By keeping track of the renewal date in advance, you have enough time to review your cover and make any necessary updates before the policy expires.
Before renewing your car insurance, take a moment to evaluate the coverage and benefits you need for the year ahead.
● Choose the Right Policy Type: Comprehensive insurance offers broader protection than third-party-only cover.
● Review Insured Declared Value (IDV): Ensure that the IDV reflects your car’s current market value for fair compensation in case of total loss.
● Check NCB Eligibility: Ensure your No Claim Bonus is applied correctly to reduce renewal costs.
● Consider Add-Ons: Options like depreciation cover, engine protection, roadside assistance and return to invoice can enhance protection based on your car’s condition and usage.
● Evaluate Service Support: A wide network of garages and quick-claim assistance helps ensure a smooth experience when you need repairs.
Enhance your car insurance policy by opting for add-ons that provide additional financial protection.
The Depreciation Cover add-on ensures full claim payout for replaced parts without depreciation deductions, maximizing your settlement for approved claims.
The Roadside Assistance add-on provides 24×7 help: towing, battery jump-starts, emergency fuel, flat-tyre assistance, and minor on-spot repairs nationwide.
The Engine Protect add-on covers repair or replacement costs for engine and gearbox damage caused by water ingression, oil leakage, or sudden failures.
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.
The Return to Invoice add-on reimburses the difference between the original invoice and Insured Declared Value in case of total loss or theft.
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.
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.
The Clutch Protect add-on covers repair or replacement costs of the clutch assembly and related parts damaged due to clutch burn
Covers the cost of replacing lost or stolen car keys.
Experience seamless protection and security with us
Car Secure and you share the goal of keeping your car safe. Zurich Kotak car insurance offers comprehensive protection in unforeseen circumstances. With Car Secure, enjoy coverage for both first-party and third-party damages. Rely on our 24-hour assistance for any critical or non-urgent situations. Benefit from up to 50% no claim bonus. access Zurich Kotak General Insurance’s extensive 4600+ cashless garage network across India.
No need to spend hours in buying a car insurance policy for your car. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your car and take it for a spin without worrying about potential financial losses.
Zurich Kotak car insurance comes at affordable premiums starting as low as Rs.2094. So, insure your car without burning a hole in your pockets with Zurich Kotak car insurance plans.
At Zurich Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Zurich Kotak General Insurance offers significant discounts on car insurance renewal online, with up to 50% off using our no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join Auto Mobile Association of India (AAI) to lower your premium. Claim multiple discounts for an affordable policy.
Need help in buying, renewing or making a claim on your car insurance policy? Zurich Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.
At Zurich Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
Zurich Kotak General Insurance offers different types of car insurance plans
Purchase your car insurance policy online anytime, anywhere, without visiting a branch or filling lengthy forms.
Get your digital four-wheeler insurance policy instantly after payment, with all details emailed for easy access.
Compare car insurance premiums, coverage, and add-ons online to choose the most suitable plan for your needs.
Enjoy special premium savings and promotional offers available only when you buy car insurance online.
Complete the process with just basic KYC documents, making it faster and hassle-free.
Buying car insurance is a very simple process, let’s walk you through buying insurance for your new car.
Click on the "get a car insurance quote" button on the Zurich Kotak car insurance page
Fill in your car details such as registration number, model, make etc.
Fill in you personal details and make the payment online.
Here are a few things you must check before choosing a four-wheeler insurance policy.
Check inclusions, exclusions, and add-ons.
Evaluate claim settlement ratios.
Read customer reviews and ratings.
Choose a policy that fits your budget and needs.
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Let's talk about how car insurance premiums are calculated
You can use the car insurance premium calculator to find out.
The car insurance premium calculator is an online tool that is easy to use. It gives you the exact amount of car insurance premium and helps you buy the policy too.
To use the car premium calculator, you just have to enter a few details. These details are as follows –
Visit the Zurich Kotak General Insurance website.
Enter details such as the car’s make, model, variant, fuel type, and registration year.
Choose the type of insurance – third-party or comprehensive.
Select any add-ons you wish to include.
Adjust the voluntary deductible to modify premium costs.
The system will generate the premium amount based on the selected options.
Premiums are calculated based on various risk factors. Some key determinants include:
Learn some savvy tips to avoid actions that raise your car insurance costs
Maintain a claim-free record to earn No Claim Bonus (NCB).
Install certified anti-theft devices for extra discounts.
Choose only essential add-ons when buying your policy.
Compare car insurance premiums to get the most competitive premium rates.
Increase Voluntary Deductibles - Choosing a higher deductible reduces the premium.
Avoid Small Claims - Retaining No Claim Bonus (NCB) benefits can lead to bigger savings.
Experience faster, simpler car insurance renewal online with instant policy access, secure payments and easy plan comparison for better protection every year.
Renew your old car with ease, we're here to help
With Zurich Kotak General Insurance, you can renew a car insurance policy by just entering your existing policy number or customer ID on the page.
Click on Zurich Kotak 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!
Know the importance of renewing your car insurance to stay covered
Renewing your car insurance policy without a break ensures that you maintain continuous coverage. A gap in coverage is considered as a potential risk and it may result in higher premiums when you decide to get a coverage again.
Car insurance provides financial protection and stability against unexpected events like accidents, theft or damage to your vehicle. You will have to bear full cost of repair or replacement without insurance which can be substantial.
No-claims bonus or discounts are few benefits that accumulate over time for loyal customers. Renewing your car insurance policy can provide significant savings on your premiums and you can enjoy such benefits.
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, Registration Certificate (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, 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.
Post work approval by the insurer, the vehicle can be repaired by the policyholder at the garage of their choice.
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
Get familiar with the documents needed for speedy claim process. To raise a motor insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft andThird Party (TP) claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
KYC (Know Your Customer) documents are mandatory to ensure the authenticity of the policyholder.
If you misplace your car insurance policy, you can easily download it online to avoid fines. Step-by-Step Guide:
Visit the Website – Go to the official Zurich Kotak portal and click on the download policy link.
Enter Policy Number – Provide your valid car insurance policy number.
Enter Contact Details – Use your registered mobile number or email ID
Get OTP – Click to receive an OTP for verification.
Download Policy Copy – Enter the OTP and download your digital car insurance policy document instantly.
Zurich Kotak has an extensive network of 4600+ authorised cashless garages across India, to provide convenient and reliable repair services for your vehicle. Using the cashless facility allows you to avoid paying the vehicle repair costs upfront. Once your claim is approved, we will pay the eligible expenses directly to the garage and you just have to pay non-covered charges such as any deductibles or consumables.
By choosing an authorised cashless network garage, you benefit from transparent billing, faster claim processing, and the assurance of insurer-approved repair quality—making your four-wheeler insurance policy work harder for you.
There's always more to know about car insurance
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.
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Zero depreciation cover helps you protect your car against all physical damages without factoring in depreciation. Normally, insurers subtract depreciation before paying the claim. With this add-on, you receive the full claim amount without any deduction for depreciation.
Apply for a transfer by paying the fee and submitting:
● Existing insured's consent
● New customer proposal
● Transferred RC copy/sale proof
● Vehicle inspection (if >14 days)
● NCB recovery (if applicable)
● ODPA recovery/refund (if applicable)
● Transfer fee
Then, hand over the new policy schedule to the new owner.
● Car type: SUVs > Hatchbacks; vintage cars may have higher value.
● Car variant: Higher variants increase IDV.
● Purchase location: IDV varies by city.
● Depreciation: More depreciation = lower IDV.
● Accessories: Included in IDV and also depreciated.
● Visit Zurich Kotak Car Insurance page
● Click “Get Quote”
● Fill details (registration number, model, etc.)
● Get quote
● Submit proposer details
● Make payment
● Policy is instantly generated
Yes, but you must inform the insurer and provide a sale agreement, RC transfer, and a transfer request.
a. New private cars must have a three-year third-party policy as mandated by Insurance Regulatory and Development Authority of India (IRDAI).
b. Comprehensive car insurance is renewed annually or for multiple years under a long-term plan.
Comprehensive car insurance is not compulsory. Only third-party insurance is a must have by law under the Motor Vehicles Act, 1988. However, it is recommended to have comprehensive insurance as it protects you against third-party liabilities and protects you against damage to your own vehicle as a result of accidents, theft, fire, natural disasters and more, affording you wider financial coverage and peace of mind.
A lapse in your car policy coverage occurs when you forget, or choose not, to renew your car insurance before it expires. When this happens, you no longer have insurance for your car , and you’re at risk legally when driving and its also likely to be a fine as well. In order to avoid a lapse, consider reminders for your renewal, taking a longer-term policy, or turning on auto-renewal on your insurer's website. In addition, by having continuous coverage, you continue to receive any No Claim Bonus benefits.
You can find your vehicle insurance policy number on your policy document and on your renewal notices. If you lost the document or renewal notices, check your insurer's website, customer portal, or call the helpline to retrieve it using the registered mobile number or email address. You may also find the number on various government portals like VAHAN, for a registered motor vehicle.
Yes, third-party car insurance is a requirement under the Motor Vehicles Act, 1988. As a prerequisite for obtaining valid registration for motor vehicles on public roads, third-party insurance compensates for death, injury, or damage to property caused by your vehicle to third parties.
IDV stands for Insured Declared Value. It represents the current market value of your vehicle and is the maximum amount payable if your car is stolen or declared a total loss. Selecting a suitable IDV helps balance your premium and protection.
No Claim Bonus (NCB) is a discount on the own-damage premium when you complete a policy year without making a claim. It increases with each claim-free year and can reach 50%. If you raise a claim, your NCB may be reduced. NCB can also be carried forward when switching insurers.
Comprehensive car insurance does not set a limit on the number of claims, as long as they fall under policy coverage. However, frequent claims may reduce NCB and affect future premiums.
A deductible is the amount you pay from your side when a claim is raised. A higher voluntary deductible may reduce the premium, while a compulsory deductible applies based on the vehicle type.
Return to Invoice (RTI) is an optional add-on that reimburses the difference between the invoice value of your vehicle and the IDV in the event of a total loss or theft. It helps recover the full purchase price, including applicable taxes.
Premiums are based on factors such as IDV, car model, age, location, usage, add-on covers and NCB. A renewal or premium calculator helps you estimate costs before purchasing a policy.
Review your vehicle’s age, usage and risks. Newer cars often benefit from comprehensive cover and essential add-ons. Also consider the insurer’s claim support and cashless garage network when deciding.
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
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.
Online purchase usually takes only a few minutes. You enter your vehicle details, choose the coverage and pay securely to receive an instant e-policy.
Check the coverage type, IDV, premium breakdown, applicable add-ons, and the insurer’s claim service. Ensure the policy meets all mandatory legal requirements.
You can simply enter your PIN code on our website or mobile app to find the nearest authorised cashless garages.
You can view your policy details, including validity and coverage, through your login on the Zurich Kotak website or mobile app.
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
· 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.
Yes, you may be able to renew within a grace period, depending on policy terms. However, renewing before expiry helps avoid inspection requirements and protects your NCB.
Renewal premiums depend on your previous NCB, updated IDV, selected add-ons, location and vehicle condition.
Review your cover type, IDV, NCB entitlement, and whether you need add-ons for better protection. Renewing on time helps avoid any coverage gap.
Car insurance renewal online typically takes 2–3 minutes. Once payment is completed, the digital policy is issued immediately.
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
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.
You can raise claims as needed under comprehensive cover, subject to policy terms. Keep in mind that each claim may impact NCB.
Roadside Assistance availability depends on the plan selected. You may get multiple service requests during the policy period, including towing support if required.
Once updates are approved, revised policy documents are issued digitally. You can download them directly from your email or policy account.
Product | UIN No. |
|---|---|
Car Secure | IRDAN152RP0006V04201516 |
Motor Documents/ Forms | Download Links |
|---|---|
Policy wording | |
Brochure | |
Prospectus | |
Claim Form | |
Customer Information Sheet | |
Motor withdrawn list |
Written By : Zurich Kotak General Insurance - Last updated: 4th DEC, 2025
