Car Insurance In Bangalore

Buy car insurance policy online

Car Insurance In Bangalore
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Key features of Zurich Kotak car insurance in Bengaluru

  • Wide Network of Cashless Garages

    Wide Network of Cashless Garages

    Wide Network of Cashless Garages

    Access repairs at 5700+ authorised garages across Bengaluru without paying upfront, ensuring quick and hassle-free service.

  • Coverage Against Third-Party Liabilities

    Coverage Against Third-Party Liabilities

    Coverage Against Third-Party Liabilities

    Meet legal requirements and protect yourself financially from injuries, damages, or losses caused to others by your vehicle.

  • No Claim Bonus (NCB)

    No Claim Bonus (NCB)

    No Claim Bonus (NCB)

    Save up to 50% on your premium for claim-free years, rewarding safe driving.

  • Easy Policy Purchase

    Easy Policy Purchase

    Easy Policy Purchase

    Buy car insurance in Bangalore online in minutes through a quick, paperless process.

  • Customisable Add-Ons

    Customisable Add-Ons

    Customisable Add-Ons

    Enhance your coverage with options like zero depreciation, roadside assistance, and engine protection.

  • Instant Policy Issuance

    Instant Policy Issuance

    Instant Policy Issuance

    Receive your best car insurance instantly via email after payment, with zero paperwork.

Types of car insurance policies in Bangalore

  • Comprehensive Car Insurance

    A comprehensive policy covers both third-party liabilities and damage to your own vehicle. It includes protection against accidents, theft, fire, natural disasters, and man-made incidents. Optional add-ons such as zero depreciation and engine protection allow you to customize the plan. This type of policy is suitable for those seeking broad coverage while driving in the city.

  • Third-Party Car Insurance

    This mandatory policy covers injury, disability, or death caused to others by your vehicle, as well as damage to their property. Choosing car insurance Bangalore that includes this option keeps you legally compliant and helps avoid unexpected expenses.

  • Own Damage (OD) Car Insurance

    A standalone own-damage policy covers repairs or replacement of your vehicle due to accidents, fire, theft, or natural events. An active third-party policy is required to purchase OD cover.

Available Add‑Ons & Enhanced Covers

  • Depreciation Cover

    Depreciation Cover

    This add-on ensures you get the full claim amount for replaced parts without deductions for depreciation, helping reduce your out-of-pocket expenses.

  • Roadside Assistance

    Roadside Assistance

    Get 24/7 help with towing, battery jump-starts, flat tyres, emergency fuel, and minor on-the-spot repairs anywhere in India.

  • Engine Protect

    Engine Protect

    Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leaks, or sudden failures.

  • Consumables Cover

    Consumables Cover

    Covers small parts and expendables like nuts, bolts, lubricants, and filters used during claim-related repairs.

  • Return to Invoice

    Return to Invoice

    Reimburses the difference between your car’s original invoice and its Insured Declared Value (IDV) in case of theft or total loss.

  • Loss of Personal Belongings

    Loss of Personal Belongings

    Covers personal items stolen or damaged from your vehicle during a covered incident.

  • Tyre Protect

    Tyre Protect

    Covers the repair or replacement of tyres and tubes damaged due to accidents or road hazards, excluding wear and tear.

  • Clutch Protect

    Clutch Protect

    Covers costs of repairing or replacing the clutch assembly and related parts in case of clutch burn.

  • Key Replacement

    Key Replacement

    Covers the cost of replacing lost or stolen car keys.

How To Buy Car Insurance Online in Bangalore

1

Get a Quote: Visit the Zurich Kotak car insurance page and click on the "Get a Car Insurance Quote" button.

2

Enter Car Details: Provide your car’s registration number, make, model, and year of manufacture.

3

Provide Personal Details and Make Payment: Fill in your personal information and complete the payment securely online.

Cashless garages near you

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.

Reviews & Ratings

Bharat Nagindas Shah

Bharat Nagindas Shah

6 days ago
5/5
Car Insurance

The process of renewal was very easy and straightforward.

Amit  Sengupta

Amit Sengupta

1 week ago
4.5/5
Car Insurance

I am happy with the overall service while buying the policyi

Rahimbhai Rahemanbhai Ghanchi

Rahimbhai Rahemanbhai Ghanchi

1 week ago
5/5
Car Insurance

Good experience Good and fast service Thank you so much

Edney Sean Heredia

Edney Sean Heredia

2 weeks ago
5/5
Car Insurance

2nd renewal and every time just 5 mins and its done , could be done by anyone .

Pativada Jaya Gowri Sankara Rao

Pativada Jaya Gowri Sankara Rao

2 weeks ago
4.5/5
Car Insurance

Smooth processing for Car renewal process, Thank YOU Kotak!

Ketuman  Kashyap

Ketuman Kashyap

2 weeks ago
5/5
Car Insurance

Complete process was flawless and no follow up was required.

Manoj Kumar Bharti

Manoj Kumar Bharti

2 weeks ago
5/5
Car Insurance

Good experience with zurich kotak expect tata workshop

Chetan Vijay Balpande

Chetan Vijay Balpande

2 weeks ago
4.5/5
Car Insurance

All good ..fast proceed with explanation policy details

Bala Narayana Rao Javangula

Bala Narayana Rao Javangula

2 weeks ago
5/5
Car Insurance

Nice receive From sureveyor. Any time he will response politely

Alokkumar A Hiremath

Alokkumar A Hiremath

2 weeks ago
4.5/5
Car Insurance

9/10 to Zurich kotak for quick process & 5/10 to TATA SERVICE lack of commitment

View more

Why Do You Need a Car Insurance Policy in Bangalore?

Bangalore’s busy traffic, changing weather, and rising accident rates make having car insurance in Bangalore essential. Without a valid policy, any damage from collisions, theft, or natural events can lead to significant costs. Insurance also keeps you legally compliant under the Motor Vehicles Act, 1988, protecting you from third-party liabilities.

Choosing the best car insurance in Bangalore from Zurich Kotak provides coverage for both your vehicle and personal accidents. Their plans cater to different budgets and driving needs, giving you confidence that you are financially protected in the event of unforeseen circumstances.

Garage's Network List in Bangalore

Name

Address

MobileNumber

Anekar Motors

NO 230MAGADI ROAD

9008402341

Smart Cars

3RD CROSS,KAGGADASAPURA MAIN ROADC V RAMAN NAGARBANGALORE

9663324370

Chrome Motors - Mysore Road

#320/4,Mysore Road,OPP. BHELBangalore

9900038670

MOTO RHYTHM

GROUND FLOOR,NO36 AMANI BELLANDUR KHANE,CROMA ROAD,DISHA PARK WEST

9113227575

A2z Glass India-Chandapur

NO 52/1,,OLD CHANDAPURA,OPP-RK DHABAHOSUR ROADBANGALORE

9845005635

Pratham Motors-Kudlu

No 58/5kudlu VillageSarjapur HobliAnekal taluk, Bangalore

7899761309

Trichur Sundaram Santhanam & Family Private Limited

107, K.B. ROAD, BengaluruBengaluru (Bangalore) UrbanKarnataka,Karnataka,

9148155159

Canaraa Auto Centre - J P Nagar

#24-26,4TH MAIN SANTRUPTHI NAGARKOTHNOOR MAIN ROAD,7 TH PHASE, J P NAGAR BANGALORE

9611898939

Sri Lakshmi Automobiles Pvt Ltd

Ward No 01,Venkatal Village,Door No 1129/23/4A23/3,Yelahanka Hobli, Bangalore

7899771228

Kanishka Car Care Bommanahalli

# 13/2 BOMMANAHLLIHOSUR MAIN ROADNEAR BOMMANAHALLI STOPBANGALORE

9845585271

Bimal Auto Agency - Peenya

Building No-A 37,38 Peenya Industrial EstatePeenya 2nd StageBengalore

9742262462

Trident Isuzu-Bommanahalli

SY NO. 17/4CRUPENA AGRAHARABEGUR HOBLI, HOSUR ROADBANGALORE

7353778745

Kropex Auto Pvt Ltd-Hosur Road

#49/1SINGASANDRAHOSUR MAIN ROADBANGALORE

7619195027

Pps Motors Private Ltd-Nagawara

NO 147/1, BESIDE ELEMENTS MALLTHANISANDRA MAIN ROADNAGAWARABANGALORE

9100666012

FAQs on car insurance in Bangalore

Questions you may have about Zurich Kotak General Insurance

  • The cost of car insurance depends on factors such as your vehicle’s make, model, age, and Insured Declared Value (IDV). Premiums for hatchbacks usually start at around ₹2,000 per year for third-party insurance, while comprehensive policies are higher. You can use online premium calculators on insurer websites, including Zurich Kotak, to get personalised quotes.

  • You can buy car insurance easily through Zurich Kotak’s website. Enter your vehicle details, select coverage preferences, and make the payment online. The digital policy document is emailed instantly, making the process quick and paperless.

  • Yes. Common documents for renewal include your existing policy number, vehicle registration certificate (RC), valid pollution under control (PUC) certificate, proof of identity, and sometimes your driving licence and passport-sized photographs. A No Claim Bonus (NCB) certificate may be required if switching insurers.

  • You can use online premium calculators available on insurer websites to estimate premiums. Enter your vehicle details and coverage options to calculate the premium and customise add-ons or deductibles.

  • If your car is insured with Zurich Kotak, inform them immediately and submit the required documents, such as the policy copy, FIR (if applicable), and photos of the damage. Claims can be settled through cashless repairs at authorised network garages or via reimbursement after inspection and approval.

  • You can renew your Zurich Kotak policy online by providing vehicle details and paying the premium. Policies that have lapsed for more than 90 days may require a vehicle inspection before renewal.

  • Under the Motor Vehicles Act, 1988, all vehicle owners must have at least third-party insurance. This covers liabilities arising from accidents that cause injury or property damage to others.

  • There are no city-specific rules. However, insurers may consider geographic factors, including Bangalore’s traffic conditions, when calculating premiums in line with IRDAI guidelines.