Zurich Kotak (formerly known as Kotak) Car Insurance

Zurich Kotak Car Insurance is a product of the car insurance company Zurich General Insurance in collaboration with Kotak Mahindra Bank. It provides comprehensive legal and financial protection for your car against accidents, theft, and damages. The policy covers third-party liabilities as well as own-damage expenses, ensuring complete peace of mind. With easy online purchase, renewal, and quick claim support, it helps you stay protected on every journey.

Zurich Kotak General Insurance Company Limited was originally established in 2014 as Kotak General Insurance and was rebranded in 2024 after Zurich Insurance Group acquired a majority stake, marking one of the biggest global insurer entries into India. Backed by Zurich’s international expertise and Kotak’s domestic strength, the company has steadily expanded its motor insurance portfolio. It has achieved awards like Editor's Choice Best Consumer Experience Initiative - InsureNext Awards 2022, showcasing its prowess in the insurance sector. Zurich Kotak has issued over 1.4 cr+ insurance policies throughout its existence, showing great customer feedback.

Here are the standard car insurance policies from Zurich Kotak Car Insurance:

• Zurich Kotak’s Third-Party Car Insurance Policy

Provides mandatory third-party liability cover as required by law.

• Zurich Kotak’s Comprehensive Car Insurance Policy

Combines third-party liability and own-damage cover for accidents, theft, fire, and natural calamities.

• Zurich Kotak’s Standalone Own Damage (OD) Car Insurance Policy

Offers only own-damage protection if you already hold a third-party policy.

• Zurich Kotak’s Pay-As-You-Drive (Usage-Based) Car Insurance Policy

Premium and benefits based on actual kilometres driven.

Here’s why you should choose Zurich Kotak Car Insurance:

1. Global Insurance Expertise, Indian Market Strength

Backed by Zurich Insurance Group’s international risk management experience and Kotak’s deep understanding of Indian customers, offering a balanced global–local approach.

2. Usage-Based Flexibility

Zurich Kotak offers Pay-As-You-Drive options, making it suitable for low-mileage car owners who prefer premiums aligned with actual vehicle usage.

3. Wide Cashless Repair Access

Provides access to 4,600+ cashless garages across India, ensuring smoother repairs without upfront payments.

4. Customisable Protection

Allows policyholders to tailor coverage through multiple add-ons such as Zero Depreciation, Engine Protect, Return to Invoice, Tyre Protection, Daily Allowance and Key Replacement.

5. Digital-First Convenience

Enables online purchase, renewal, claims filing and tracking, reducing paperwork and speeding up servicing.

6. Consistent Customer Support

Offers 24×7 assistance for claims support, roadside emergencies and policy-related queries.

7. No Claim Bonus Benefits

Reward safe driving with NCB benefits of up to 50%, helping reduce renewal premiums over time.

Below is a detailed breakdown of the inclusions and exclusions under Zurich Kotak Car Insurance, so you can make informed decisions about your coverage.

What Zurich Kotak Car Insurance Covers

• Accidental Damage: Repairs or replacement costs if your car is damaged due to a road accident.

• Theft & Total Loss: Financial protection if your car is stolen or declared a total loss.

• Fire & Explosion: Covers damage caused by fire, short-circuit, self-ignition or explosion.

• Natural Calamities: Protection against floods, earthquakes, cyclones, landslides and other natural disasters.

• Man-Made Events: Covers damage due to riots, strikes, vandalism or malicious acts.

• Third-Party Liability: Pays for injuries, death or property damage caused by your car to others.

• Personal Accident Cover: Provides compensation for death or disability to the owner-driver as per policy terms.

• Cashless Repair Facility: Repairs in authorised garages without upfront payments (subject to network availability).

• Optional Add-Ons: Enhances coverage with options such as Zero Depreciation, Engine Protect, Return to Invoice, Tyre Protection, Daily Allowance, Roadside Assistance and more.

What Zurich Kotak Car Insurance Does NOT Cover

• Driving Without a Valid Licence: Damage occurring while driving illegally is excluded.

• Driving Under the Influence: Accidents caused when the driver is under alcohol or drugs are not covered.

• Wear & Tear / Mechanical Breakdowns: Normal ageing, routine wear and tear, and mechanical or electrical failures are excluded unless covered via specific add-ons.

• Intentional Damage: Losses caused by deliberate or illegal acts by the policyholder.

• Uninsured Period Damage: Damage occurring outside the active policy period is not covered.

• War & Nuclear Risks: Damage due to war, invasion, rebellion, nuclear or radioactive contamination is excluded.

• Engine Damage Without Engine Protect Add-On: Engine failures due to water ingression or oil leakage are not covered unless you opt for the Engine Protection add-on.

• Non-Declared Accessories: Loss or damage to accessories not listed in the policy schedule is excluded.

You can buy or renew Zurich Kotak Car Insurance through Coverfox by:

1. Go to the Car Insurance tab under the Retail Insurance section on Coverfox

2. Enter your car details and click on View Quotes.

3. Compare the list of insurers displayed on the screen.

4. From the dropdown list, select Zurich Kotak Car Insurance.

5. Choose a suitable plan and add-ons as per your requirement.

6. Make the payment securely online.

7. Receive instant policy confirmation and document delivery via email

Follow the simple steps below to file and settle your Zurich Kotak Car Insurance claim smoothly through cashless or reimbursement options.

• 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.

Zurich Kotak has a wide array of network garages, over 4,600+ garages, where you can avail the service of cashless claim as per availability.

You can search for specific garages in your area through Zurich Kotak’s Network Garage Locator.

Here is the list of network garages of Zurich Kotak Car Insurance in the popular cities:

• Zurich Kotak Mumbai Network Garage

• Zurich Kotak Pune Network Garage

• Zurich Kotak Bangalore Network Garage

• Zurich Kotak Delhi Network Garage

• Zurich Kotak Chennai Network Garage

Find all the official customer service and support contact details for Zurich Kotak Car Insurance to get quick assistance with policies, claims, and queries.

• Toll Number (INDIA And Overseas): +91-22-69417220

• Toll Free Number: 1800 266 45 45

• Email Id: care@zurichkotak.com

• WhatsApp: 7998879988

• Website: https://www.zurichkotak.com/motor-insurance/car-insurance

• Correspondence Address:
  Zurich Kotak General Insurance Company (India) Limited
  Unit no. 401, 4th Floor, Silver Metropolis,
  Jai Coach Compound, Off Western Express Highway,
  Goregaon (East) Mumbai- 400063. Maharashtra, India.

Note: WhatsApp number cannot be used for calling; it is meant only for chats.

Disclaimer: The details presented on this page are for informational purposes only, directly taken from the Zurich Kotak official website. Any coverage or plan details are subject to change as per policy. Refer to your policy document for exact coverage and the official website for any updates.

Disclaimer: * Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.