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When did you buy your car?

Have you made a insurance claim in the previous year?


  • 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

  • What are the rules of Kotak Car Insurance regarding NCB after a policy is expired?

    The policyholder is eligible to avail benefits of NCB if he renews the policy within 90 days after the policy expiry period, provided there is no transfer of ownership

  • Cashless Facility – Is It Available With Kotak?

    Yes, Kotak Insurance provides cashless facility. Policyholders can settle claims through cashless transactions. The insured has to only pay his part of the claim and rest of the amount is settled between the insurer and the workshop.

  • How can a customer contact Kotak general Insurance at the time of an emergency?

    Customers can call Kotak General Insurance on 1800 266 4545 and seek assistance.

  • Is it possible to view quotes for my car that is not registered yet?

    It doesn’t matter whether your car is registered or not. Kotak Mahindra allows you to view quotes online. Insurance quotes and premium details are provided, based on the vehicle, RTO and other details.

  • Can I purchase a Kotak car insurance policy online?

    Buying car insurance online is easy. You can call us on 7551196989 and get your policy in minutes.


  • How can I locate a cashless garage?

    To locate a cashless garage, call the toll-free number 1800-266-4545 and provide your area Pincode, the representative will give you the address of the nearest garage. You can also visit the company’s official website and can locate the nearest garage from there.

  • Can I register a claim online?

    Yes, you can register a claim online by visiting the official website of Kotak General Insurance. On the website go to the ‘Claim’ tab and select the ‘Motor Insurance Claim’ option. Scroll down and you will get a ‘Register’ button to file a claim online.

  • How much time does it take for the reimbursement of a claim?

    Post completion of all formalities, the company initiates the payment instantly. However, the payment can take a maximum of 7 days to reimburse the claim amount.

  • What if my towing charges exceeds Rs 1,500?

    Kotak General reimburses towing charges up to Rs 1,500 if you don’t have the roadside assistance cover. Any amount exceeding that will be borne by the policyholder.

  • What coverage amount would I get in case of car theft?

    The insurer provides the calculated Insured Declared Value (IDV) of the car deducting the depreciation and deductible in case of theft of the insured’s car.

Zero Depreciation

  • I have an imported Lamborghini. Can I avail the Zero Depreciation add-on cover?

    No. Imported cars and all such vehicles whose parts are not available in the Indian market are ineligible for the Kotak General zero depreciation insurance cover.

  • I have opted for the zero depreciation cover. Will I have to pay anything now during the claim settlement?

    The zero depreciation add-on cover only spares you from paying the depreciation cost of the replaced parts. However, the liability of compulsory deductible and voluntary deductible (if opted for) rests with the policyholder.

  • What is the premium for the zero depreciation add-on cover?

    The premium of the zero depreciation add-on cover depends on the Insured Declared Value (IDV) of your vehicle. It is directly proportional to the IDV, which means higher the IDV, higher the zero depreciation premium and vice versa.

  • How can I add the Zero Depreciation add-on cover to my car insurance policy?

    You can include the Zero Depreciation cover to your plan by visiting the website of Kotak car insurance or by contacting them at toll-free number 1800-266-4545.

  • Should I renew the zero depreciation cover while renewing my Kotak car insurance plan?

    Yes, you will have to renew your zero depreciation cover every time you renew your Kotak comprehensive car insurance policy provided it fulfils the conditions of Zero Depreciation cover at the time of renewal.

Third Party

  • What is the validity period of my Kotak third party cover?

    The validity of a car insurance policy depends on its tenure. For new car owners, the policy period needs to be mandatorily of 3 years. Old car owners have the option to opt for a 1-year policy or long-term policy.

  • What is IDV?

    Insured Declared Value (IDV) of your car is the maximum sum assured fixed by a car insurer at the beginning of each policy period. The premium amount of your car insurance policy is determined using the IDV of your car.

  • What should I do in case of a serious third party injury?

    In case of a serious third party injury, you are advised to immediately rush to the nearest hospital and get medical help. After the medical aid, contact the Kotak General Insurance by calling their toll-free number 1800-266-4545 and raise a claim for the incident. In case of serious medical injury, you would also be required to lodge an FIR at the nearest police station.

  • My car is 3 years old and I want a long-term third party liability cover. Can I get it?

    Yes, you can have a long-term third party liability cover for old cars also. Please note that it remains a mandatory requirement for new car owners to have their car’s first insurance policy valid for 3 years.

  • How can I contact Kotak General Insurance for any queries about third party plans?

    You can dial the toll-free number 1800-266-4545 for any queries or you can email your queries at


  • What is Road Side Assistance?

    Road Side Assistance is an add-on cover that helps you to request necessary help in case you are stranded on a road or any remote location because of the reasons such as Fuel Shortage, Towing Assistance in Case of an Accident or Breakdown, Tyre Puncture, Minor Damage, and Key Lost.

  • What is the maximum claim amount that I can get in my Kotak comprehensive car insurance policy?

    The maximum claim amount equals to the sum insured under the policy. It is offered in case of the constructive total loss of the insured vehicle. The total sum insured depends on the Insured Declared Value (IDV) of your vehicle.

  • What is not covered under the Kotak comprehensive car insurance policy?

    The situations which are not covered under the Kotak comprehensive car insurance policy include Wear and tear and depreciation of the insured vehicle, Mechanical or electrical breakdown unless not opted for Engine Cover, Contractual liability, Vehicle’s consumables such as grease, lubricant, etc., Personal belongings, and Bodily injury/death of the policyholder and co-passengers unless opted for the personal accident cover.

  • What is NCB?

    No Claim Bonus or NCB is a discount on premiums for claim-free years offered by all insurers for car insurance policies. The discount can be availed up to 50% on the premiums.

  • How can I buy a Kotak comprehensive car insurance policy?

    You can purchase Kotak comprehensive car insurance policy in the following ways:

    • Through its official website
    • By calling on its toll-free number 1800-266-4545
    • By visiting the nearest branch.


  • What is the cashless garage benefit offered in Kotak General car insurance plan?

    Cashless garage facility means, a policyholder can avail all the repair service free of cost except for paying the depreciation and deductible amount, in case their insured car incurs any kind of damage due to accident or any other mishap.

  • What are the benefits offered in Kotak General Cashless Garages?

    A policyholder is entitled to receive the following benefits:

    • Easy, quick and hassle free claim settlement process
    • Claim assistance as and when required
    • 24x7 spot availability assistance

  • Can I make small claims?

    Yes, you can make small claims, however, it is not advisable to make small claims as it can affect your chances in future of claiming for NCB or No claim bonus during car insurance policy renewal.

  • What documents do I need to submit to file for a cashless claim?

    A policyholder needs to submit the following documents:

    • Photocopy of Car insurance policy
    • Claim Form
    • Valid RC
    • Repair Bill
    • Valid driving license
    • Other documents( if asked to submit)

  • Can I transfer my NCB from my old car to my new car?

    Yes, you can transfer NCB from an old car to a new car, only if it is of the same type and class.


  • How long is my insurance cover valid for?

    Generally, a car insurance policy is valid for a period of one year unless stated otherwise in the terms and conditions of the purchased policy which needs to be renewed in regular intervals. You can also choose long-term policies (if available).

  • What is an endorsement?

    Suppose you want to add a few extra covers on your existing car policy or say you want to do a few changes in that. In such cases, you will have to sign an endorsement, which serves as written evidence of an agreed change in policy terms.

  • My policy has already expired. Am I still eligible for NCB?

    NCB protection and almost all other benefits will be available for you even after the expiration of your policy. You will get 90 days to renew your policy, failure of renewal within these 90 days, the policy will become invalid.

  • Do I need to pay in order to avail roadside assistance?

    Yes, you need to pay an extra fee to get roadside assistance service. However, the fee is minimal and can be paid while renewing your existing policy.

  • I tend to forget to renew my policy, is it possible to get reminders?

    Yes. Kotak Mahindra understands the struggles of having a busy life schedule and that is why it has introduced the Insurance Policy Renewal Reminder Service on the website which makes sure that your vehicle is insured. Simply visit the website, select your policy expiration date and enter your name, mobile number, telephone number along with your email address. Read and agree to the terms and conditions and then click on ‘Submit’. You will receive renewal reminders from Kotak Mahindra General Insurance company.

Premium Calculator

  • What factors determine the premium of a car insurance policy?

    There are various factors that affect the premium of a car insurance policy such as Engine’s Cubic Capacity, Insured Declared Value (IDV), No Claim Bonus (NCB), Anti-Theft Devices, the City of Registration, Number of Add-Ons, Age of the Owner, and so on.

  • Why should I use a car insurance premium calculator?

    The car insurance premium calculator will help you find the accurate premium for your car insurance policy, get the correct IDV of your car, and pick an affordable car insurance plan with right decisions about the car insurance plan.

  • What details should I enter in the car insurance premium calculator?

    You will be required to enter details like make of the car, the model of the car, RTO location of the car, registration year of the car, etc., to find the right premium offered by the insurers for a car insurance plan.

  • Can I use the premium calculator to calculate the premium for my old car?

    Yes, the premium calculator will assist you in finding the premium offered by different insurance providers for new as well as old or used cars.

  • Where can I find the car insurance premium calculator?

    You can find the best car insurance premium calculator to compute the premium and IDV at the official website of InsuranceDekho, i.e.,

Add On

  • How many add-on covers for car insurance are offered by Kotak?

    Kotak General Insurance provides a range of add-on covers which comprise Zero Depreciation Cover, Consumables Cover, Engine Protect, Return to Invoice, Roadside Assistance Cover, Key Replacement Cover, Tyre Cover, Personal Belongings Cover, and NCB Protect.


  • Will I have to pay more to opt for add-on covers?

    Yes, you will have to pay an additional premium for the add-on covers in addition to the premium of your base insurance cover.

  • Is it compulsory to add an add-on cover in the car insurance policy?

    No, owning an add-on cover in your car insurance policy is not compulsory. It is an optional benefit that you can use to enhance the coverage of your car insurance cover.

  • When can I purchase the Kotak car insurance add-on covers?

    You can buy the car insurance add-on covers either at the time of policy purchase or during the policy renewal process.

  • How many add-on covers can I buy at a time?

    There is no limit to opt for add-on covers. It means you can add as many add-on covers as you wish at a time in your car insurance policy.

Policy Download

  • What is the Kotak General Car insurance policy document?

    A Kotak General Car insurance policy document is an insurance proposal form, consisting of all the important clauses in details related to the car insurance policy such as inclusions under plan, exclusions under plan, policy tenure etc. It acts as a legal contract between Kotak General insurance company and the policyholder.

  • How can I get the duplicate of my Kotak General car insurance plan?

    To get a duplicate copy of your Kotak General car insurance plan, if by any chance you have lost or misplaced it, then you should contact the customer care executive at 1800-266-4545 and request them to help you in getting a duplicate car insurance policy.

  • How can I download my Kotak General Car insurance plan online with my policy number?

    You simply need to visit Kotak General insurance official website and fill in your login details like email-id and password. Then, enter details regarding your policy number, registered email-id etc and click on ‘ Get OTP’. Now, enter the OTP and you can access all information regarding your policy document and you can also download the same from there.

  • How can I make corrections in my Kotak General Car insurance policy document?

    To make the corrections to the policy document, you just need to contact Kotak general customer care helpline at 1800-266-4545 and request them to make all the necessary changes in the document.

  • How can I download Kotak General Policy copy online?

    To download Kotak General Car insurance policy, go to the official website of the insurance company and select the option ‘Download policy copy’. There, on the displayed page you need to enter the policy number and your registered email-id or phone number. Afterwards, click on Get OTP, then enter the OTP and from there you can easily download your policy copy online.

Own Damage

  • What is Kotak General Own damage insurance plan?

    With the help of Kotak General's own damage cover, you can easily protect your own car against the damages caused to it because of theft, accident or any other mishap. Here, the insurance company will compensate the policyholder for any damage caused to their car.

  • How is the premium calculation done for Kotak General Own damage insurance plan?

    The calculation of premium for Kotak General own damage insurance takes place based upon various factors such as car age, car make, vehicle type, engine cc, geographical zone, etc.

  • Is it necessary to buy an Own damage insurance for my vehicle?

    No, purchasing your own damage insurance for your car is not mandatory as per the law. However, according to the Indian Motor Tariff act, it is necessary to at least hold a third party liability insurance for all the vehicles plying on the public roads in India.

  • Who is eligible to buy Kotak General Standalone own damage insurance?

    Any policyholder, having a valid third party car insurance policy is permitted to buy Kotak General Standalone own damage insurance.

  • What is the difference between own damage insurance and third party liability insurance?

    Own damage insurance plan provides coverage to the policy buyer against the damages caused to their own car because of any accident, mishap, theft, etc. While, on the other hand, a third party liability insurance provides coverage against damages to third party property or person in an accident, or any other mishap with the insured car.

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