Insurance that has it all

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  • Network Garages

    3000+

    Network Garages

  • Healthcare Providers

    7000+

    Healthcare Providers

  • Issued and Counting

    86 Lakh Policies +

    Issued and Counting

  • Claim Settlement Ratio

    97%

    Claim Settlement Ratio

Why choose Kotak General Insurance

We protect you, your future and the things you care aboutgreet

  • A trusted brand

    When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak Group has an illustrious history that spans over 3 decades, and is considered to be one of the most trusted brands in the country.

  • Get claims super fast & quick

    Insurance is a long-term endeavour, so we ensure customers with peace of mind, protecting them against all odds, no matter what. Thus, we have a fast and hassle-free claim process.

  • You can count on us at all times

    Kotak exists to be that safety net for people when life unexpectedly throws curveballs in their way. That's why we are here at your service, 24/7 with our team of experts ready to help & assist you anywhere, anytime.

  • Lowest complaint ratio

    We at Kotak General Insurance, strive towards superior customer experience. Hence, we have one of the lowest complaint ratio in the industry.

People love us ❤️

Look what they have to say

People love us ❤️

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Car Insurance

Thank you so much for smooth processing of my claim. Special thanks to Aashutosh.

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Car Insurance

Very good experience. The settlement was quick with excellent customer support

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Car Insurance

I renewed my car insurance with Kotak because the overall customer support was amazing.

The insurance that fits your needs

Cause we carehandshake

Car Insurance

Safeguarding you always, so you drive happy

  • Comprehensive car insurance plans will take care of you when you need us the most

  • 97% Claim settlement ratio

  • 24/7 Claim quick assistance

8 out of 10 opt add-ons for enhanced protection

Health Insurance

Your bridge to premier healthcare

  • Comprehensive health insurance plans will take care of you when you need us the most

  • 97% Claim settlement ratio

  • 24/7 Claim quick assistance

Bike Insurance

Make every ride a safe one with us

  • Protect your ride with two-wheeler insurance that provide coverage, keeping you and your beloved bike safe while riding.

  • 97% Claim settlement ratio

  • 24/7 Claim quick assistance

No inspection; hassle free policy

Car Insurance

Your bridge to premier healthcare

car
  • Comprehensive car insurance plans will take care of you when you need us the most

  • 97% Claim settlement ratio

  • 24/7 Claim Quick Assistance

Health Insurance

Your bridge to premier healthcare

car
  • Comprehensive health insurance plans will take care of you when you need us the most

  • 97% Claim settlement ratio

  • 24/7 Claim Quick Assistance

Need Help? Head over to our learning centre

  • Motor Insurance

    Motor Insurance

    Important Traffic Rules To Follow To Ensure Safety While Driving

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  • Motor Insurance

    Motor Insurance

    Questions Regarding Motor Insurance Policies

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  • Motor Insurance

    Motor Insurance

    What is Anti Theft Device and its Impact on Car Insurance Premium

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Frequently asked questions

Roadside Assistance is a service that provides you with the necessary help required in case you are stranded on the road when your car breaks down. It includes:

  • Towing due to an accident or breakdown

  • Battery jump start

  • Arrangement/Supply of fuel

  • Emptying of the fuel tank

  • Flat tyre(s)

  • Breakdown support over the phone

  • Taxi benefits

  • Arrangement of keys

  • Message relay

  • Minor repairs

The Insured's Declared Value (IDV) of the vehicle is the maximum Sum Assured fixed by the insurer at the beginning of each policy period for the insured vehicle. If the vehicle suffers total loss, the IDV is the compensation that the insurer will provide to the policyholder.

The IDV of the vehicle is calculated based on the manufacturer's listed selling price of the brand and model of the vehicle proposed for insurance at the commencement of insurance or renewal and is adjusted for depreciation (as per the schedule specified below). The IDV of the sidecar(s) and/or accessories, if any, fitted to the vehicle but not included in the manufacturer's listed selling price of the vehicle is also likely to be fixed.

Age of the Vehicle% Depreciation for Fixing IDV
Not exceeding 6 months5%
Exceeding 6 months but not exceeding 1 year15%
Exceeding 1 year but not exceeding 2 years20%
Exceeding 2 years but not exceeding 3 years30%
Exceeding 3 years but not exceeding 4 years40%
Exceeding 4 years but not exceeding 5 years50%

An endorsement is written evidence of an agreed change in policy terms.

Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.

General insurance protects you and your family against any financial contingencies that may occur due to damage caused to property or any injury to a person other than life. The most common kinds of general insurance are home, travel, health, and motor insurance. Motor insurance is further divided into four-wheeler insurance, two-wheeler insurance, and commercial vehicle insurance. There are also other types of insurance, such as marine insurance, corporate insurance, shop protection insurance, and many more.

General insurance protects you and your family from any financial setbacks that may arise due to unforeseen events. Accidents or mishaps may happen anytime and anywhere, but having general insurance keeps us prepared for all times. Such as, health insurance provides financial support if a member of the family needs hospitalization; similarly, car insurance or two-wheeler insurance protects your car or your bike in case of an accident, theft, or man-made and natural calamities.

  • Life insurance is a life coverage wherein the benefits and sum assured are paid to the policyholder on maturity or to the beneficiary in case of the policy holder’s death.

  • General insurance is paid upon raising a claim when the specific event mentioned in the policy has occurred.

  • Life insurance is a long-term contract, and the premium is paid all through the term period or at least till the minimum premium term payment. In contrast, general insurance is a short-term contract and is paid only till the policyholder renews the policy.

General insurance protects your savings from depleting as it takes care of any financial needs during damage or loss of your asset. You can also save taxes with the premium paid on health insurance under Section 80D and get quality health care services. In case of total damage to your asset, you get a lumpsum compensation amount that can help you recover from the loss of value of the asset.

Every non-life asset holds a financial value which can lead to major setbacks if damaged or stolen; similarly, the rising healthcare costs can completely drain your savings if you or any member of the family suffers from any health ailments. This is why having General insurance is vital to protect your finances during such critical times. General insurance provides financial protection for self and family owing to the risks that may be caused due to diseases, accidents, theft, natural calamities, etc. You can choose General insurance online for your health and your Motor vehicle from our website.

Yes, you can buy general insurance online. Buying general insurance online is safe if you buy it from an IRDAI registered insurer and an authentic website. Buying general insurance online can be a quick and easy process and requires little or no documentation. Also, you can customize your insurance by choosing the riders you need to get enhanced protection.

General Insurance covers all non-life assets such as your home, vehicle, health, and even your travel from any damages caused due to theft, accident, manmade or natural calamities. There is a range of insurance plans to cover each of your assets.

  • Home insurance for your home

  • Travel insurance for travel

  • Health insurance for your health

  • Motor insurance for all vehicles plying on roads. This insurance is further sub-divided into four-wheeler insurance, two-wheeler insurance, and commercial vehicle insurance.

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"Always by your side. Keeping you safe"