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Kotak Mahindra Standalone Own-Damage Car Insurance Policy

Standalone own-damage car insurance is one of the three basic types of car insurance offered by Kotak Mahindra General Insurance. It offers a layer of protection for owner-drivers from the uncertainties of the road. The cover provides compensation for own-damage costs in case of a mishap including cases of theft, vandalism, fires, explosions, road accidents, and calamities both natural and manmade. This cover is not compulsory like third-party insurance. However, it is advisable to purchase it all the same as it provides enhanced coverage compared to simply having third-party insurance.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Kotak Mahindra Third Party Insurance

Kotak Mahindra Standalone Own-Damage

Kotak Mahindra Comprehensive Insurance

Coverage

Kotak Mahindra third-party insurance covers third-party liabilities in case of a mishap including bodily injuries, death, and property damage.

Kotak Mahindra standalone own-damage insurance covers the own-damage costs of the car in a wide variety of scenarios such as road accidents, theft, etc. Plus, insurance providers give NCB for claim-free years.

Kotak Mahindra comprehensive insurance covers both third-party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.

Add-ons

Kotak Mahindra third-party car insurance does not offer add-on covers.

Kotak Mahindra standalone own-damage car insurance offers a number of add-on covers.

Kotak Mahindra comprehensive car insurance offers their customers several add-on covers along with comprehensive plans.

Cost

Kotak Mahindra third-party car insurance is the cheapest policy they offer and provides basic coverage.

Kotak Mahindra standalone own-damage car insurance is more expensive than third-party insurance but offers better coverage.

Kotak Mahindra comprehensive car insurance is the most expensive of the three but offers holistic coverage for both own-damage and third-party liabilities under a single premium.

What is Covered Under Kotak Mahindra Standalone Own-Damage Policy?

Kotak Mahindra standalone own-damage car insurance offers coverage for the following aspects:

  • Road accidents that damage the car.
  • An explosion or fire that damages the car.
  • Cases of theft or total loss of the car.
  • Damages caused due to a natural or man made calamity, eg. earthquake.

What is Not Covered Under Kotak Mahindra Standalone Own-Damage Policy?

Kotak Mahindra standalone own-damage car insurance does not offer coverage for the following aspects:

  • Mishaps that happen outside India’s borders.
  • Depreciation of the car.
  • Electrical or mechanical breakdown of the car.
  • Illegal driving in any form.

Benefits of Kotak Mahindra Standalone Own-Damage Policy

Following are the benefits of the Kotak Mahindra standalone own-damage insurance:

  • You can purchase add-on covers to further strengthen the standard car insurance.
  • The own-damage cover offers protection in a variety of situations and provides financial stability in times of crisis.
  • No Claim Bonus is offered with every claim-free year as a reward for good driving habits. The reward is cumulative in nature which means the amount becomes higher with every consecutive claim-free year and reaches a maximum of 50% in the fifth year.

How To Purchase Kotak Mahindra Standalone Own-Damage Policy?

Step 1: Visit our website InsuranceDekho and select the car insurance tab at the top left corner of the page. From the drop-down menu select ‘Standalone Own Damage option.

Step 2: Enter your car’s registration number. If for some reason you do not have this information you can also enter its make, model, and year of registration.

Step 3: Provide your personal details,i.e. Name and mobile number, and select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage policies will be visible on the screen. Select the offer by Kotak Mahindra and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected Kotak Mahindra standalone own-damage policy and the policy document will be sent to your registered email ID.

Must Read Articles before buying Kotak Car Insurance

Kotak Car Insurance User Reviews

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  • Protecting Your Car's Worth

    Zero-dep insurance is all about protecting your car's worth. InsuranceDekho’s Kotak Car Insurance Policy ensured that my investment in the policy for my Hyundai car is safeguarded to the fullest.

    V
    By Vedashi Bidani
    On: November 24, 2023
  • No Worries, No Surprises

    The beauty of having own damage coverage with the Kotak Car Insurance Policy is that there are no worries and no surprises. I know that my Nissan car is protected against the unexpected, and that's invaluable.

    S
    By Sanjiv Kapila
    On: November 22, 2023
  • Seamless Policy Extension

    I extended my Kotak Car Insurance Policy through InsuranceDekho, and the process was seamless. The coverage continued without interruption, providing me with continuous protection for my Skoda car.

    A
    By Anshu Nayyar
    On: November 15, 2023
  • Invest in Hassle-Free Renewals...

    I consider my choice to invest in the renewal of the Kotak Car Insurance Policy through InsuranceDekho as an investment in hassle-free, continuous coverage. They make sure that I drive my Honda car with confidence, knowing my car is protected.

    M
    By Mamta Rajender
    On: October 30, 2023
  • Tailored to My Needs

    InsuranceDekho's premium calculator doesn't offer a one-size-fits-all solution. It tailors premiums to match my specific needs to the Kotak Car Insurance Policy that I bought from the online portal, ensuring I get the coverage I want at a fair price for my MG car.

    S
    By Saisha Manchanda
    On: October 17, 2023
  • Prompt Claim Settlement under ...

    InsuranceDekho ensures prompt claim settlement for third-party coverage for the Kotak Car Insurance Policy, helping policyholders like me to get back on the road quickly after an accident of my Nissan car.

    G
    By Gunjan Reddy
    On: October 11, 2023
  • Own Damage Protection for My C...

    InsuranceDekho's own damage coverage with the Kotak Car Insurance Policy provides comprehensive protection for my Toyota car. It covers everything I need.

    K
    By Krishna Kumari
    On: September 29, 2023
  • Essential Coverage for Respons...

    InsuranceDekho's third-party coverage which is an added benefit of the Kotak Car Insurance Policy is essential for my Maruti car. It ensures you're financially responsible on the road.

    J
    By Jai Bhatia
    On: September 20, 2023
  • All-In-One Protection with Com...

    With InsuranceDekho's comprehensive policy, I get all-in-one protection under the Kotak Car Insurance Policy for my BMW car. It's the ideal solution for complete peace of mind.

    By Sandeep Singh
    On: September 14, 2023
  • Time-Saving Convenience

    Renewing my Kotak Car Insurance Policy for my Ford car through InsuranceDekho is a time-saving convenience. I no longer have to navigate complex paperwork; it's all done online with a few clicks.

    J
    By Jyotsna Rana
    On: September 12, 2023

209 Kotak Cashless Garages in India

Kotak Car Insurance Own Damage FAQs

  • 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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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.