Limit your speed, not your car insurance
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
No Claim Bonus
Claim Settlement Ratio
Around the clock Assistance
* The above data is till 31st March, 2023
Compare Car Insurance plans
|Premium Features||Comprehensive Plan||Own Damage Plan|
No claim bonus up to 50%
Coverage to electrical/non-electrical accessories
Coverage to bi-fuel systems
Damage to third party property
Third party’s death or injury
Zero Depreciation cover add-on inbuilt
Extra coverage with optional add-ons
Personal accident cover
Car damage due to natural disasters
Car damage due to man-made calamities eg: riots
Car damage due to fire
|Get Quote||Get Quote|
You deserve one of the best car insurances
Hi there, how can we help you?
I wanna know about my premium
Cause awesomeness has no ending
Insuring your vehicle’s every need and providing comprehensive plan that covers all electrical/non-electrical accessories.
Don’t let fire damage to your car ruin your life. Stay protected against any loss and get compensated for damages caused by fire.
Get compensated for losses incurred from combustion that occurs without the use of an external heat source.
When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.
Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.
Keeping your property safe & covered from the damages caused by rapid nuclear or chemical reactions.
Wear, tear & general aging of vehicle
We do not cover any damages due to normal wear and tear and general aging of the vehicle
Depreciation or consequential losses
Our coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).
Vehicle used otherwise
We do not cover any damage caused by the vehicle being driven otherwise than in accordance with the limitations on its use.
Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.
Any contractual liability
You are not covered under our insurance policy for any contractual liability if you are found to be responsible for the damages.
Influence of drugs or liquor
We do not cover damage to/by a person who is driving under the influence of drugs or alcohol.
In case of a breakdown, we’ve got you covered with towing, repairs and more when you need it most.
Why settle for less!
In case of a breakdown, we’ve got you covered with towing,repairs and more when you need it most.
The perfect coverage for your dream car
Look what they have to say
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.
Entire process starting from claim registration to the completion was very speedy and smooth. After claim registration I did not need to talk or remind the company. It was my first experience of its kind which I felt wonderful. Thanks Kotak General Insurance!
The overall process was very smooth and professional. Minimal documentation and process. Liked the Professionalism and proactiveness of the employees in Kotak. Thanks for the support.
Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.
So stay informed about car insurance calculator
What is Car Insurance Calculator?
A car insurance calculator is an online tool that helps you to calculate your estimated premium on your car insurance policy. The car insurance calculator also helps you to customize your car insurance policy by selecting optional add-ons that would provide better coverage to your car.
The online car insurance calculator offered by us will allow you to determine the amount of premium for the insurance you purchase and will let you make the right choice.
Benefits of Car Insurance Calculator?
Car insurance premium: With the help of a car insurance calculator, you can compare the premium of different Kotak Car Insurance plans provided by us. The tool allows you to customise the IDV of your car and displays you the impact on car insurance premium. Various discounts are available at Kotak General Insurance on Kotak Car Insurance plans.
Optional Add-ons: Kotak General Insurance provides various add-ons that provide you with additional coverage for your car. With a car insurance calculator, you can decide the extra premium you are willing to pay to ensure extra protection for your car.
Car Insurance Quote for Old & New Car: You can get car insurance quotes for an old and new car. Kotak Car insurance Calculator Works for both old & new cars.
Ease of Use: Insurance agents do not have to come to your home or spend hours on the phone with you. You can check prices & features of car insurance online on your mobile. It's that easy!
Prudent Decisions Are Easy to Make: Learn more about the factors that affect your car insurance premium by using a car insurance premium calculator. This knowledge helps in making an informed choice.
How is Car Insurance Premium Calculated?
Using this simple formula, you can better understand the calculation of car insurance premiums.
Premium = Own Damage Premium - (No claim bonus + discounts) + Liability Premium as Fixed by the IRDAI + Cost of Add-ons
The following is a sample car insurance calculation for your reference
|Year of Manufacture||2012||Comprehensive Policy with NCB (all values in Rupees)|
|Ex Showroom Price||4,16,000 (X)|
|Depreciation Percentage||20% * X||Rs.83,200 (Y)|
|Insured Declared Value (IDV)||3,32,800 (X - Y)||Rs.3,32,800 (Z)|
|Own Damage Premium||1.970%||Rs.6,556 (A)|
|NCB discounts||20% * A||Rs.1,311 (B)|
|Total OD Premium||5,425 (A - B)||Rs.5,245 (C)|
|Personal Accident Cover||100 (D)|
|Legal Liability Paid to driver||50 (E)|
|Compulsory Third Party Cover||1,110 (F)|
|Net Premium||6,505 (C + D + E + F)||Rs.6,505 (G)|
|GST @ 18%||18% * G||Rs.1,171 (H)|
|Total premium||7,676 (G + H)||Rs.7,676|
Parameters that influence car insurance premium
The insurance premium for any vehicle depends on several factors. The most significant ones include the following:
The insurance premium amount will depend on the type of car you own. It includes specifics like the car make, model, motor transmission type, and fuel type. For instance, cars belonging to the Mercedes Benz or Volvo families will have a higher premium in comparison to a Maruti.
Your premium will be based on the type of insurance cover you choose. You could either opt for a comprehensive cover that includes you, your vehicle, and third-party liability or you could only opt for a third-party liability only.
The age of the car or insured declared value (IDV) of the car will reflect the value of the vehicle. Based on the same, the premium will be determined. The higher the IDV, the higher will be your premium.
Based on the location where your vehicle is registered, the insurance premium will be calculated. This is primarily due to the difference in traffic conditions in a big and a small city. Therefore, a car registered in a metropolitan city will carry a higher premium than the one registered in a small town.
How to use Kotak Car Insurance Calculator?
To use the car insurance calculator
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Car Insurance by City
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Important Blogs about Car Insurance
|Car Insurance Benefits||Car Insurance Terminologies||New Car Insurance|
|Car Insurance Quotes||Right Car Insurance Policy||Renew Car Insurance Online|
|Car Insurance for Second Hand Car||No Claim Bonus Car Insurance||Road Assistance Car Insurance|
|Cashless Car Insurance||IDV Car Insurance||Car Insurance Coverage Off Road Driving|
A car insurance calculator is a free online tool that calculates the approximate premium you would have to pay for your car insurance policy.
The car insurance calculator requires you to input a few details such as your vehicle registration number, mobile number and email address, make-model of your car, NCB discount, etc and you can get a quote basis the information.
A car insurance calculator helps save your time and instantly tells you approximate premium amount. You can decide which optional add-ons you want to add to your car insurance policy. Also, the car insurance calculator helps you to check your discount on the premium at the time of car insurance renewal.
The car insurance calculator helps to know the premium you would have to pay before zeroing on the policy. You can also decide the premium you are willing to pay to have additional coverage by selecting specific optional add-ons with your car insurance policy.
Yes, it does. You will have to enter the vehicle registration details, your phone number and email address.
During car insurance policy renewal, the car insurance premium calculator calculates the premium after deducting the No claim Bonus if you have any. It also calculates the premium if you choose a new rider for your car insurance policy.