Kotak Car Insurance
- CASHLESS GARAGES 2,327
- CLAIMS SETTLED 98%
- COMPREHENSIVE CLAIMS UNLIMITED
- Spot Claim Upto Rs 20,000
- 6-Month Repair Warranty
- Easy Video Claims
- Zero Paper Claims
Top Kotak Mahindra Car Insurance Plans
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About Kotak Mahindra Car Insurance
Kotak Mahindra is a popular general insurance company in the business. The company was incorporated in December 2014. However, Kotak received approval from the IRDA in April 2015. The company offers an array of non-life insurance products like car insurance, two-wheeler insurance, health insurance, and plenty more. Did you know that Kotak Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd? Well, the bank is a part of the Kotak Mahindra Group, headed by Uday Kotak. Banking operations kick-started long back in 2003.
Kotak Insurance aims at developing exclusively customized car insurance products paired with a cutting-edge digital infrastructure to provide customers with nothing but the best. The company has established its presence in 167 cities across the country. There are a total of 232 offices at present. Kotak General Insurance has crossed significant milestones since it was first incorporated. If you secure your vehicle with a Kotak car insurance policy, be assured that you are protected from all ends when you hit the roads.
Kotak Car Insurance
Kotak General Insurance Company provides different types of car insurance plans for its policyholders which they can select as per their budget and requirements. Three types of car insurance plans offered by Kotak General Insurance include a Third-Party, Standalone Own-Damage and Comprehensive Insurance policy. A car insurance plan gives policyholders legal and financial protection from various sorts of unfortunate events. It also provides protection against third party liabilities arising due to an accident or a mishap.
Kotak car third-party insurance policy takes care of liabilities towards a third party due to an accident that may result in injuries, disability, death and property damage of the third party. To own a third-party policy is mandatory in India as per the Indian Motor Tariff and car owners can be charged with a fine of Rs. 2,000 and/or imprisonment for up to 3 months on being caught. This two-wheeler insurance plan gives legal assistance or financial in times of crisis.
Kotak standalone own-damage car insurance policy gives coverage for the damages to the insured car in case of an accident or a mishap. An own-damage policy gives compensation for the damages to your car in case of an accident, theft, vandalism, natural calamities, or man-made disasters. Standalone own-damage insurance plan gives financial protection to the policyholder for any damages to the car in case of any mishap.
Kotak comprehensive car insurance policy is a complete policy that combines third party as well as standalone own-damage coverage. This type of car insurance policy gives coverage for third party liabilities like bodily injuries, disability, death or property damage to the third party in addition to coverage for damages arising during an accident or any other mishap. Kotak also gives a personal accident cover with this plan to cover your injury caused while driving, mounting into, dismounting from, or travelling as a co-driver in the insured vehicle. It could be extended to other passengers of the car if they are in carrying capacity of the car.
You can buy add-on covers to increase the coverage of your own damage and comprehensive covers as per your requirements. Choosing the right add-ons is very important as they make a considerable difference in the amount of premium. Some of the top add-on covers offered by Kotak are roadside assistance, depreciation cover, consumables cover, engine protect, return to invoice, etc. The insurer also offers a No Claim Bonus for every claim-free year to customers holding their own damage or comprehensive covers.
Significant Points of Kotak Car Insurance
Third Party Property Damage
Up to Rs. 7.5 Lakh
Own Damage Cover
Coverage for Own Car for Its Loss and Damage
Personal Accident Cover
Up to Rs. 15 Lakh
9 Add-on Covers
24/7 Claim Assistance
Benefits of Kotak Car Insurance
- A wide network of 1,300+ garages
- 24x7 emergency assistance is offered
- Digitally enabled insurance solutions provided
- Allows policyholders to make unlimited claims
- Quick and hassle-free claim settlement guaranteed.
Kotak Mahindra Car Insurance Claim Process
Contact the insurerCall Kotak General Insurance on 1800-266-4545 and register your claim. You can visit the workshop and intimate your insurance company
Reach the workshopDrive your vehicle to the workshop or get the same towed
The Survey BeginsPost intimation, a surveyor is appointed. It may take up to 24-48 working hours
Documents Must Be PresentedThe policyholder must submit various documents to the insurance provider. These include Driving License, RC, Claim Intimation Form, Aadhar Card, Policy Copy, PAN Card and a Repair Estimate
The Survey Is Completed
Survey of a vehicle is completed within 24 to 48 working hours of claim intimation
Surveyor Makes the Call
Once a thorough survey of the car has been done, the surveyor either accepts the claim or rejects it. Repair-works commence after approval
Delivery Order is Given
After the repairs are complete, a final survey is done. Deliver order is issued next
Process of Non-Cashless Claims
Your insured vehicle undergoes repair-works. Initially, you must bear these expenses. The insurance company reimburses the agreed claim amount soon after
209 Kotak Cashless Garages in India
Explore Kotak Car Insurance
Must Read Articles before buying Kotak Car Insurance
- Let's look at the many sorts of car insurance policies available in India which are offered by Kotak General Insurance.
- Read this article to know what all factors affect the premium of Kotak General Insurance.
- Read this article to find out reasons why you need to buy your car insurance from Kotak Mahindra General Insurance.
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Kotak Car Insurance User Reviews
- Most Helpful
- Zero Depreciation
- Third Party
- Own Damage
- Cashless Garages
- Policy Download
- Customer Care
- Add On
Kotak Mahindra Car Insurance FAQs
Can I avail the benefits of roadside assistance with Kotak car insurance?
Kotak Insurance provides prompt services for roadside assistance. Don’t panic when you are stranded in a deserted road. Call Kotak on 1800 266 4545 and request for help. Some of the services provided include:
- Battery jump start
- Towing of the car
- Emergency refueling
- Key replacement if you are locked out
- Minor repairs if needed
I have a car insurance policy with Kotak. What should I know about IDV?
IDV stands for the Insured Declared Value of a vehicle. It is the maximum sum assured decided by the insurer in circumstances of theft or total loss. Please Note: Costs of registration and insurance is not included when calculating the IDV of a vehicle. In short, final compensation is offered by an insurance company in situations of a total loss on the basis of IDV.
I wish to purchase motor insurance from Kotak. How long will my policy be valid?
While generally insurance plans are for a year, insurance companies have now come up with long-term plans. New car owners must insure their vehicles with a third party policy for at least 3 years
Third Party Policy by Kotak – what is the coverage offered?
Third party insurance is a basic policy. It covers:
- Damage to a third party property
- Disability or death due to accident
- Legal fees and lawsuits due to accidents
Does Kotak Car Insurance provide No Claim Bonus?
Yes, the company provides No Claim Bonus. NCB is provided when a customer does not make any claim during a policy period
Why to buy from InsuranceDekho?
- Instant policy # within 5 mins
- More than 45 Lac happy customers
- Claim Support available all 7 days of the week
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Add-ons For Your Kotak Car Insurance
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