Zurich Kotak Car Insurance

1. Personal Accident Coverage: Zurich Kotak General Insurance Car Secure provides Personal Accident coverage in case of injury caused while driving, mounting into or dismounting from the insured vehicle, or while travelling as a co-driver. This protection extends to other passengers in the car, provided the number of passengers does not exceed the carrying capacity of the car, excluding the driver.   

1. Third-party Legal Liability: Zurich Kotak General Insurance Car Secure offers coverage for any damage caused to third-party property and bodily injury (including death) resulting from an accident involving the insured vehicle to ensure the safety of all parties involved.   

1. Comprehensive Coverage: Zurich Kotak General Insurance Car Secure provides comprehensive coverage that includes damage to both the insured vehicle and third-party property. This coverage extends to all electrical and non-electrical accessories, as well as the bi-fuel systems of the vehicle. Additional protection can be obtained by purchasing add-on coverage at an extra premium.   

1. Enhanced Protection: You can enhance your policy by selecting from a range of add-ons available for an additional premium, providing greater protection for your vehicle with Zurich Kotak General Insurance Car Secure.
2. Theft Coverage: Zurich Kotak General Insurance Car Secure provides compensation if your car is stolen. To receive compensation, you must first report the theft to the police. You must file an IFR and obtain a no-trace report to submit along with the claim request for approval. A no-trace report is necessary to claim compensation. The theft insurance covers theft damages and provides adequate compensation to cover the loss. 

What is Not Covered?

It is important to be aware 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:   

1. Damage or loss to the vehicle or accessory or accessories caused by normal wear and tear, ageing, or depreciation (unless covered separately by add-ons)

1. Regular consumables (oil, nuts, bolts) and excessive labour charges are not covered. 

1. There is no insurance coverage for vehicles used for commercial purposes, such as ride-share/ delivery and racing events. 

1. Usage of the vehicle beyond the limitations as specified in the policy  

1. Electrical or mechanical breakdown   

1. Contractual liabilities   

1. Damage or loss caused by a person driving the car under the influence of alcohol or drugs 

1. Damage or loss caused by a person driving the vehicle without a valid license   

1. Damage or loss caused by nuclear risk or war

1. Accidents occurred beyond the policy’s geographical limits. 

1. Intentional or deliberate damage or fraudulent claims will not be considered for insurance coverage. 

How to Apply for Zurich Kotak General Insurance Company Limited Car Insurance Online? 

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.   

1. Step 1: Go to the Zurich Kotak General Insurance Car Insurance Page and click on the "Get a Quote" button.   

1. Step 2: Enter your car details, such as the registration number, model, make, and other relevant information.   

1. Step 3: Provide your personal details and make the payment online.

Documents Required:

When filing a car insurance claim, you'll need to provide certain documents to support your case. These include:   

1. A copy of your vehicle's Registration Certificate (RC)

1. A copy of your insurance policy   

1. Your valid ID proof as the policyholder

1. Address proof 

1. Passport-size photos 

1. Pollution Under Control (PUC) Certificate 

1. Sales bills and road tax receipt (applicable only for new cars) 

1. The driving license of the person who was driving the vehicle at the time of the incident  

1. A photocopy of the First Information Report (FIR), if the claim is related to theft or third-party liability   

1. A completed claim form   

1. Additional requirements may be requested based on the results of the inspection.

How to File a Claim?

Cashless Claim Process

1. Step 1: Call us at 1 800 266 4545 (8 am to 8 pm) to report your claim and provide details of your policy.   

1. Step 2: Upon registering your claim, our customer support executive will assign you a Claim Reference Number.   

1. Step 3: Submit the required documents, such as your Driving License, RC Copy, and Policy FIR Copy, as per the policy's terms and conditions.   

1. Step 4: We will arrange an inspection within 24 hours if the claim is reported on a working day or the next working day if it is reported on a Sunday or a public holiday.   

1. Step 5: If the cashless facility is approved, your vehicle can be repaired at a preferred network garage, and payment will be made directly to the garage.   

1. Step 6: Pay only the deductible as specified in the insurance policy, and the depreciation value, salvage, and more, as informed by the surveyor.   

Reimbursement Process

1. Step 1: Call us at 1 800 266 4545 (8 am to 8 pm) to report your claim and provide details of your policy.   

1. Step 2: Upon registering your claim, our customer support executive will assign you a Claim Reference Number.   

1. Step 3: Submit the required documents, such as your Driving License, RC Copy, and Policy FIR Copy, as per the policy's terms and conditions.   

1. Step 4: We will arrange an inspection within 24 hours if the claim is reported on a working day or the next working day if it is reported on a Sunday or a public holiday.   

1. Step 5: The insurer will then repair the vehicle, followed by payment for the same.   

1. Step 6: Submit all bills, and payment receipts, along with your policy details to us, and we will make the payment within seven working days of completing the documentation.

How to Renew Expired Zurich Kotak General Insurance Car Insurance Online?

Renewing your car insurance policy is a hassle-free process that can be completed online by following these simple steps:   

1. Step 1: Visit the Zurich Kotak General Insurance Car Insurance Renewal Page   

1. Step 2: Enter your existing policy number or customer ID   

1. Step 3: Verify your policy details   

1. Step 4: Make the payment online   

Once the payment is processed, your car insurance policy will be renewed instantly.   

Features of Zurich Kotak General Insurance Car Insurance:

1. No Claim Bonus (NCB):

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:   

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.   

2. Comprehensive Car Insurance Policy: 

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.

3. Claim Settlement Ratio:

Zurich Kotak Car Insurance boasts a high claim settlement ratio of 98%.  This represents the total number of claims settled by the insurance company, compared to the total number of claims filed within the financial year. Zurich Kotak Car Insurance offers a transparent and easy claim process and ensures customer satisfaction. 

4. Wide Network of Cashless Garages:

Zurich Kotak Car Insurance provides a cashless garage facility for the policyholders. The company has over 4600 cashless garages operating nationwide, where you can repair your vehicles without paying upfront. 

5. Easy Policy Purchase:

Policies are issued promptly and hassle-free with the Zurich Kotak Car Insurance. Car insurance can be purchased quickly online, through a streamlined, paperless process. 

Zurich Kotak General Insurance Car Insurance Optional Add-On Coverage:

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.   

Add On Covers for Zurich Kotak General Car Insurance:

1. Depreciation Cover: Protect the depreciation value of your car in the event of a total loss with our Depreciation Cover. With this cover, you can claim the maximum amount for your car without any deduction for depreciation.   

1. Consumables Cover: The Consumables Cover compensates you for the replacement of consumable items such as lubricants, engine oil, brake oil, power steering oil, AC gas, nuts, bolts, grease, and more. This cover ensures that you do not have to pay out of your own pocket for these consumables.   

1. Engine Protect: Your car's engine is subjected to wear and tear and is vulnerable to damage. With an Engine Protect cover, you can get compensated for any consequential losses caused to the engine or its parts due to incidents like water ingression, leakage of lubricant oil, and more.   

1. Return to Invoice: In the event of a total loss of your car due to theft or accident, the Return to Invoice add-on compensates you with the Insured Declared Value (IDV) of the car. This cover is not applicable for cases involving the transfer of ownership.   

1. Tyre Protection Cover: Your car's tyres are constantly exposed to wear and tear and can suffer damage. The Tyre Protection Cover compensates you for the repair, replacement, as well as labour charges incurred due to damage. This cover is valid for up to 1.5 years with a tyre serial number.

1. Clutch Protect: The Clutch Protect add-on covers the replacement and repair costs of clutch assembly and related parts damaged due to clutch burn. 

1. Key Replacement: The Key Replacement add-on covers the cost of replacing stolen or lost keys. 

1. Daily Car Allowance: When your car is under repair for more than two days, you can continue with your daily activities using the Daily Car Allowance Add-on Cover.   

1. Loss of Personal Belongings: In the event of an accident, not only your car but also personal belongings inside it can be damaged or lost. With the Loss of Personal Belongings add-on cover, you can be compensated for the loss of personal belongings according to the IDV of your policy.   

1. Roadside Assistance: Our 24*7 Roadside Assistance add-on cover provides you with backup under various circumstances such as towing due to an accident or breakdown, battery jump-start, arrangement or supply of fuel, emptying of the fuel tank, flat tyres, breakdown support over the phone, taxi benefits, arrangement of keys, message relay, and minor repairs.