Kotak General Insurance
Kotak General Insurance Car Insurance Feature
Claim Settlement Ratio
99%
Network Garages
4300+
Kotak General Insurance Car Insurance Coverage
| Insurance Package | Comprehensive | Third party Liability | Own Damage Liability |
|---|---|---|---|
| Expenses on Third Party Property | |||
| Injuries/Death on Third Party Person | |||
| Expenses on Own Car Damage | |||
| Burglary / Theft | |||
| Damage Due to Fire | |||
| Damage Due to Natural Disasters | |||
| Personal Accident | |||
| Zero Depreciation cover add-on inbuilt | |||
| Coutomize Add on |
Coverage Exclusions
- Wear, tear & general aging of vehicle
- Depreciation or consequential losses
- Vehicle used otherwise
- Mechanical/Electrical breakdown
- Any contractual liability
- Influence of drugs or liquor
- Vehicle without valid license
- Nuclear risk or war
Kotak General Insurance Car Insurance Discount Information
Calculate Your Car No Claim Bonus
| Consecutive claim-free policy tenure | Percentage of markdown on own-damage premium |
|---|---|
| One claim-free period | 20% |
| Two consecutive claim-free periods | 25% |
| Three consecutive claim-free periods | 35% |
| Four consecutive claim-free periods | 45% |
| Five consecutive claim-free periods | 50% |
a comprehensive policy offers other benefits like the No-Claim Bonus (NCB).
Your no claims bonus only applies to one car.
If you’re changing Insurance companies, you can transfer your no claim bonus from one insurance provider to another. If you’re transferring to a new insurer at the time of your policy renewal, you have to show your last year’s policy document / renewal notice where your NCB is mentioned.
Calculate Your Car Depreciation
| Car’s Age | Depreciation |
|---|---|
| 6 Months | 5% |
| 6 Months – 1 Year | 15% |
| 1 – 2 Years | 20% |
| 2 – 3 Years | 30% |
| 3 – 4 Years | 40% |
| 4 – 5 Years | 50% |
Zero depreciation cover helps you protect your car against all physical damages caused to the car without factoring in the element of depreciation.
Normally the insurer accounts for depreciation on your car’s parts and therefore pay you your claim only after subtracting the amount of depreciation. But, with the Zero depreciation add-on, you get claim amount without deducting the depreciation.
Kotak General Insurance Car Insurance Add on Covers
Consumables Cover
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 Cover
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.
Engine Protect
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.
Return to Invoice
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
Tyre Cover
This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. Know more about car insurance Tyre cover add on.
24X7 Roadside Assistance
This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. Know more about car insurance raod assistance add on.
Daily Car Allowance
In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation. know more about car insurance daily car allowance add on.
NCB Protect
In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation.
Loss of Personal Belongings
This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car. know more about car insurance loss of personal belongings add on.
Key Replacement
This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car.
Kotak General Insurance Car Insurance Flow
How to Buy Kotak General Insurance Car Insurance
Click on the “Get a Car Insurance Quote” button on the Kotak Car Insurance Page
- Log in to your Kotak general insurance profile using the OTP sent to your mobile number
- Fill in your details such as car registration number, mobile number and email id (optional).
- Click on the “Get A Quick Quote” button on the Kotak Car Insurance Page and review coverage
Fill in you personal details and make the payment online.
KYC documents required to buy car insurance
- Identity proof
- Address proof
- Vehicle registration certificate
- Previous insurance details
- Driving license
- PAN card
How to Claim Kotak General Insurance Car Insurance
- 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.
- 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, salvage, etc., as informed by the surveyor.
List of documents required for filing a car insurance claim
- Registration Certificate (RC) Copy
- Policy Copy
- Policy holder’s valid ID proof
- Drivers Driving license
- FIR Copy (In case of theft and TP claim)
- Duly filled Claim form
- Any further requirements will be conveyed basis inspection
Kotak General Insurance Car Insurance Review
You can Scroll
Entire process starting from claim registration to the completion was very speedy and smooth. After claim registration I did not need to talk or remind the company. It was my first experience of its kind which I felt wonderful. Thanks Kotak General Insurance!
The overall process was very smooth and professional. Minimal documentation and process. Liked the Professionalism and proactiveness of the employees in Kotak. Thanks for the support.
Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.
reference : https://www.kotakgeneral.com/motor-insurance/
Kotak General Insurance Company Information
| Company Name | Kotak General Insurance |
| Tollfree | 1800 266 4545 |
| care@kotak.com | |
| Registered Address | 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051. |