Kotak Comprehensive Car Insurance Policy

Kotak General offers a comprehensive car insurance as Kotak Car Secure. This policy offers extensive coverage. It assures all-round safety for you and your car and saves you from paying hefty expenses after an accident. The policy cover includes protection for damages incurred on the insured vehicle, which can happen in an accident, calamities and because of a number of reasons. It also indemnifies for the third party loses such injury/death of a person travelling in a car or on the road and cover of up to Rs 7.5 lakh to compensate third party property damages. Moreover, you can also opt for a personal accident cover for you as well as for the co-passengers. Given the damaged roads and traffic indiscipline, a comprehensive plan becomes a must for every car owner.

Kotak Comprehensive Car Insurance Vs Third Party Car Insurance

What All Is Covered Under Kotak Comprehensive Car Insurance Plan?

Kotak comprehensive car insurance provides coverage for the following aspects:

• Theft of the insured vehicle.
• Policy cover of Rs 7.5 lakh for third party property damage.
• Injury/death of a third party walking on a road or travelling in another vehicle.
• Damages incurred to the insured vehicle in an accident occurred on the road.
• Damages incurred to the insured vehicle by a natural or man-made calamity.

What All Is Not Covered Under Kotak Comprehensive Car Insurance?

Kotak comprehensive car insurance policy does not provide coverage for the following:

• Normal wear and tear
• In case of willful negligence
• Mechanical or electrical breakdown
• Damage caused due to contractual liability
• In case of absence of a valid licence while driving
• Driving under the influence of alcohol or intoxicating drugs.
• For any damage incurred during war, nuclear risk, mutiny rebellion, etc.

Kotak comprehensive car insurance provides several benefits to the policyholders which are as follow:

• Online premium payment and policy renewal method.
• Unlimited liability for compensation for injury/death of a third party.
• Availability of a range of add-on covers including Return to Invoice add-on.
• No Claim Bonus discount of up to 50% on premiums at the time of renewal.
• Hassle-free cashless servicing at over 1,300 garages spread across the country.
• Damage cover for a third party property (up to Rs 7.5 lakh) and for your car equivalent to its IDV.
• Availability of optional personal accident cover for the policyholder as well as the co-passengers.