Off the beaten path: Does car insurance cover off-road adventures?


23 Nov 2023

Thrill Seekers, Take Note: Kotak Car Insurance for Off-Road Excursions.

Off-roading, or off-road driving, is a beloved adventure activity for numerous enthusiasts. It involves navigating rugged, unpaved terrains with specialised vehicles, providing an adrenaline rush and a chance to explore remote and challenging landscapes. While off-roading sounds appealing to those seeking thrilling outdoor experiences, do you wonder if there is any damage to your car, will your car insurance cover it? Thankfully, with Kotak car insurance, you can opt for the right coverage and keep taking a break from conventional road travel.

Car insurance off-road cover

As a car owner, you would know that having a minimum of third-party four-wheeler insurance is mandatory in India, as per the Motor Vehicle Act, of 1988. In case of an accident, your third-party insurance will save you from the financial obligations towards the third-party damages. However, it will not offer any coverage for your car damages. Therefore, opting for comprehensive coverage by Kotak car insurance is recommended, especially if your car is new, you use your car every day or are looking for better coverage.

You also need to keep in mind that while comprehensive car insurance offers all-around protection to your beloved car, intentional damages are typically not covered. Certain insurers might expressly designate adventure sports as a specific exclusion within the policy. Accidental damages, on the other hand, are covered under all comprehensive four-wheeler insurance plans.

Car insurance for adventure trips

If you are planning to indulge in some adventure activities, it is highly recommended that you first take into account all the expected dangers that may hover over you and your vehicle. Also, make sure to inform the insurance company about such plans and invest in a suitable comprehensive car insurance policy. What can further come to your aid is including appropriate add-ons to your basic coverage. By paying a little extra, you can get these add-ons, which can guarantee better and enhanced coverage.

Take a look at some of the add-ons that you can opt for with your Kotak car insurance plans:

Tyre protection

The damage sustained to the tyre and tube of the car is covered under the tyre protection add-on.

Roadside assistance

When you indulge in off-roading, sometimes things can go wrong, and there may be a mechanic or electric breakdown. Even if you are in the middle of nowhere, roadside assistance will help you get immediate assistance during such a situation.

Engine protection cover

The engine is like the heart of the car. Protecting it is imperative. Engine protection cover will save you from oil spillage, water ingression etc.


Off-roading can subject your car to various risks due to its rugged and unpredictable nature. To mitigate these risks, it's essential to have appropriate insurance coverage and a well-maintained off-road vehicle. Car insurance is vital as it provides financial protection and ensures you're not burdened with hefty repair bills.


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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.