By opting for Zurich Kotak General Insurance Company Limited's Car Secure car insurance policy, you can safeguard yourself and your vehicle from any financial loss or damage. This policy covers all the damages caused to you, your car, and any third-party damages resulting from an accident. With the Zurich Kotak General Insurance Company Limited car insurance policy, you can enjoy a peaceful state of mind knowing that you have taken the necessary steps to protect your prized asset.
A car insurance policy is a legally binding contract between the car owner and the insurance provider that offers protection to the insured car against financial losses resulting from accidents, natural calamities, rodent damage, and more. In addition to being a financial necessity, car insurance is also a regulatory requirement that every car owner must adhere to when purchasing a car, including second-hand cars. Furthermore, government regulations mandate that car insurance policies be renewed on an annual basis.
Purchasing a car using your hard-earned money for comfortable travel can create cherished memories. However, life is unpredictable, and it is wise to prepare for any adversity by choosing the appropriate car insurance to secure your vehicle. Zurich Kotak General Insurance recognizes this need and offers a comprehensive Private Car Insurance product that provides overall protection for your valuable asset.
It is important to learn of the exclusions to ensure that you make the most of your car insurance policy. Knowing what is not covered can help you make informed decisions when purchasing insurance. Here is a list of the exclusions that apply to our car insurance policy:
You can get comprehensive protection for your valuable vehicle through Zurich Kotak General Insurance Car Insurance online in just a few simple steps. We understand that your time is precious, which is why we have streamlined the process for buying or renewing car insurance.
When filing a car insurance claim, you'll need to provide certain documents to support your case. These include:
Renewing your car insurance policy is a hassle-free process that can be completed online by following these simple steps:
Once the payment is processed, your car insurance policy will be renewed instantly.
You may be eligible for an attractive No Claim Bonus (NCB) based on your previous claim history. The NCB amount increases progressively with each claim-free year, up to a maximum of 50%. If you have not made any claims in the preceding year or years, you can get an NCB on the Own Damage (OD) section of the policy according to the following table, applicable only for one-year policies:
Period of Insurance | Percent of NCB on OD Premium |
The Preceding Year | 20% |
Preceding Two Consecutive Years | 25% |
Preceding Three Consecutive Years | 35% |
Preceding Four Consecutive Years | 45% |
Preceding Five Consecutive Years | 50% |
Please note that you will be eligible for the NCB only if you renew the insurance policy within 90 days of the previous policy's expiry date.
A comprehensive car insurance policy pays for third-party penalties that may arise due to an accident, provides compensation for the damages sustained by the insured vehicle, and offers personal accident coverage to policyholders. You can also customize and enhance the coverage by opting for several add-ons or riders.
Personalize your car insurance policy according to your specific requirements by selecting the optional add-ons available. You can choose from a range of additional covers to provide your vehicle with extra protection and secure it against unforeseen circumstances.
Generally, the duration of a general insurance policy, such as car insurance, is one year unless specified otherwise. To determine the coverage period, please refer to your policy certificate cum schedule.
Car insurance in India can be categorized into two types, comprehensive car insurance and third-party car insurance.
The third-party car insurance form of insurance is obligatory by law, and as the name suggests, it only provides coverage for any damage caused to a third-party vehicle.
Comprehensive car insurance is the type of car insurance coverage that includes third-party liability as well as damages incurred to your own vehicle.
There are several ways to obtain a discount on your car insurance premium, regardless of how much you pay. These include a No Claim Bonus on car insurance; if you have not raised any claims during the policy period, you may receive a no-claim bonus discount. Retaining this bonus can result in a higher discount on your car insurance renewal each year. It also includes security measures; by installing anti-theft or security devices in your car, you can protect it from theft and reduce your car insurance policy's premium.
The following parameters determine the car insurance premium: car make and model, type of coverage, age of the vehicle, and location. You may also use a car insurance calculator to calculate the premium online. Simply enter your vehicle details, mobile number, and email ID, and click on "Get Quote."
To renew car insurance for an older vehicle, follow these steps: click on the provided link, choose the car insurance plan you prefer, enter your previous car's insurance policy number, then enter your mobile number, and purchase the new car insurance policy for your older vehicle.
To file for a car insurance claim if you have lost your RC book, you must register a complaint with the police at the nearest police station and provide all the details about the loss of your RC book. Fill out the necessary forms and provide information about the registration number of your vehicle, its model, your name and address, the chassis number, and the engine number. Obtain an RC extract from the Regional Transport Office. Submit the RC extract along with the requested documents to file your car insurance claim.
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