All you need to know about emergency hotel accommodation add on


21 Jul 2023

Essential things to know about emergency hotel accommodation cover in car insurance. Know more about car insurance policies online from Kotak General Insurance.

Cars have always been popular among Indians. If you are planning to buy one or already have one, it is essential to secure your vehicle with a car insurance plan. The Motor Vehicles Act mandates buyers to opt for a liability-only policy at the minimum. However, a comprehensive plan is highly recommended.

One of the major advantages of opting for a comprehensive car insurance policy is the ability to select add-ons. Add-ons can significantly enhance the policy coverage without necessarily adding a lot to the policy premiums. An interesting add-on that you can opt for is Emergency Hotel Accommodation cover.

The add-on can be quite helpful in securing your hotel accommodation in dire situations. For example, if your car breaks down or is stolen or meets with an accident that is far from where you stay, the cover can make things easier for you.

Perks of selecting emergency hotel accommodation cover

• In the last few years, there has been a big surge in the number of people opting for road trips. It is possible that while you are on one such road trip along with your family, your vehicle might meet with an accident and make it inoperable.

• Since you are far from your home, securing a place to stay for your loved ones would be the first priority. Even more so if your vehicle is in a secluded place or the accident takes place at night.

• In such cases, the add-on will cover the expenses of the hotel stay till your vehicle is safely recovered and sent back to a garage for repairs.

• The add-on can be extremely helpful if your vehicle gets stolen as well. You can avail of the benefits till you reach out to the nearest police station to file a complaint or complete any other pending formalities.

When does the cover come into effect?

• Should you opt for the Emergency Hotel Accommodation add-on along with your car insurance policy, there are a few clear terms and conditions. The policy will come into effect if the vehicle of insured meets with an accident or is stolen. However, the same must occur beyond a minimum distance from your registered address.

• The add-on offers an allowance for overnight stays. It is important for the insured to keep evidence of expenses in the form of hotel invoices, which need to be submitted to the insurer for processing the claims.

• However, if the claim of the policy for repairs or theft gets rejected, the same is extended for the Emergency Hotel Accommodation cover as well.

Unlike a lot of other add-ons, Emergency Hotel Accommodation cover is not dependent on the IDV or insured declared value of the car. It depends on the maximum allowance that the insurer agrees to pay for the cover. You can find the details of the same while buying car insurance online. The information is also clearly stated in your policy document.


Car owners who spend a lot of time on the road or love doing long drives with their loved ones should opt for Emergency Hotel Accommodation cover while buying their car insurance online. It will save you a lot of trouble and cover expenses as well.

Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.