Zurich Kotak (formerly known as Kotak) Car Insurance

Zurich Kotak Car insurance (formerly known as Kotak) is a good option of availing insurance cover for your car. Zurich Kotak Car Secure is a comprehensive car insurance plan that protects your car from damages caused by natural and man-made calamities (including third party damages caused in an accident). Also, you can avail additional discounts on Premium, through NCB and AAI membership. You can also choose from a wide range of add-ons such as Roadside Assistance, Depreciation Cover, Consumables Cover, Engine Protect, Return to Invoice, Tyre Cover, Daily Car Allowance, NCB Protect, Loss of personal belonging and key replacement. Buy online today.

The Zurich Kotak Car Secure is a comprehensive private car insurance policy that is designed to provide you with all-round protection in case of any adversities that come your way. It offers coverage for own damage as well as saves you from third-party liabilities.

Types of Coverage

• Own Damage Partial or Total Loss: The policy protects you from
• Natural calamities Fire, explosion, landslide, self-ignition or lightning, flood, earthquake, typhoon, hurricane, etc.
• Man-made calamities accidents, burglary, theft, riots, terrorist attacks, strikes, etc.
• Personal Accident Cover: Coverage is provided to the owner-driver in case of death or permanent disability that occurs in the event of an accident while travelling. This is applicable regardless of whether he is the one driving the vehicle or is travelling in the car as a co-driver. Additionally, apart from the owner-driver, other passengers or paid drivers can also be covered
• Third-Party Legal Liability: With the Zurich Kotak Car insurance policy, in the event of an accident, legal liability for third-party property damage and third-party bodily injury including death is covered.
• Accessories Cover: Electrical and non-electrical accessories, bi-fuel systems are also covered.

With the Zurich Kotak Car Secure policy, you can also avail certain discounts to lower your premium.

• No-Claim Bonus discount: Can avail the NCB discount on own damage premium based on the number of claim-free years. You can also avail the NCB benefit as per your expiring policy even if you choose to shift from any other insurer to Zurich Kotak.
• Opt for Voluntary deductible: Opting for a higher voluntary deductible in addition to the compulsory deductible can get you an additional discount on your own-damage premium.
• Membership of AAI: Being an active member of any recognized Automobile Association of India (AAI) attracts an extra discount.

Zurich Kotak believes in transparency. To ensure that you don't have to undergo any inconvenience at the time of claim, you should be familiar with the exclusions. Expenses and losses won't be covered if any of the following situations arise:

• Depreciation or any consequential losses
• The vehicle being used for other reasons outside its limitations of use
• Normal wear, tear and general aging of the vehicle
• Mechanical/electrical breakdown arises
• Any contractual liability
• Loss or damage caused when vehicle was driven under the influence of drugs or liquor
• Damages caused when driving the vehicle without a valid license
• Damages that occur due to nuclear risk or war

Here is the Zurich Kotak car insurance renewal process:

• Visit the Zurich Kotak website: Go to https://www.zurichkotak.com/renewal
• Enter policy details: Input your policy number or customer ID.
• Review and update: Check your policy details, including coverage options and add-ons.
• Make payment: Choose your preferred payment method (credit card, debit card, net banking).
• Download policy: Once payment is successful, download your renewed policy document.

• Intimate the claim with the details of your policy on Zurich Kotak Car Insurance/ Zurich Kotak General Insurance Company Toll-Free No. 1800 266 4545 (8am – 8pm).
• For cashless service, you need to get your car repaired at a preferred network garage and the payment shall be made directly to the garage.
• If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurer.

• FIR: For accidents, theft, or natural disasters.
• Vehicle Registration Certificate (RC).
• Insurance Policy Document.
• Estimate or photographs: Depending on the claim type.
• Additional documents: As required (e.g., official reports for natural disasters).

The Zurich Kotak Car Secure plan is an ideal comprehensive plan if you are looking for complete financial protection of your vehicle. Enjoy quick and hassle-free claim assistance and seamless customer support, which stands among the top priorities of the company. The option to choose cashless service facility from a network of more than 350 across the country, makes the Zurich Kotak Car insurance policy an instant hit with the masses.