Kotak Car Secure

Car Insurance By Kotak

23 Ratings

Keeping your vehicle safe and secure is important. That’s why we’ve created Kotak Car Secure, a comprehensive insurance plan that is your friend on the road.

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OVERVIEW

Nothing compares to the pride of having your own car. With your car, you do not have to rely on anyone else to reach any destination. Owning a car comes with the responsibility of buying car insurance. And once you are driving on Indian roads which are laden with perils, it becomes a necessity. Given the poor road conditions and traffic indiscipline, accidents have become a frequent occurrence on Indian roads. A car is undoubtedly one of the most valuable assets you own. Is it not your duty to protect your precious vehicle from damages?

With the Kotak Car Secure car insurance policy, you can protect yourself and your car from any financial loss and damage. A comprehensive motor Insurance policy will cover all the damages caused to you, your vehicle, and the third-party damages caused by accident. Buying a Kotak Car Insurance Policy ensures your all-around safety every time you hit the road.

Get All-around protection for your precious vehicle in a few simple steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps. Follow the below steps on how to buy Kotak Online Car Insurance:-

Click on the “Get a Quote” button on the Kotak Car Insurance Page.
Fill in your car details such as registration number, model, make etc.
Fill in your personal details
Make the payment online

Note: As per the Supreme Court directive, insurance for new cars will have a mandatory 3-year third party insurance cover. Please call on, 1800 266 4545 for more details.

How to renew the policy?

Renewing your Car Insurance before it lapses is crucial in order to ensure seamless protection. At Kotak General Insurance, renewal of car insurance is quick and hassle-free. All you need to do is enter your existing policy number or customer ID on the online car insurance renewal page. Once your policy number/customer ID is verified, you can make the payment to renew your insurance instantly.

FEATURES

Cashless Servicing: Wherever your long drives take you, our extended network of garages will allow you to enjoy hassle-free cashless service across the country.

NCB Discounts & Entitlements: Are you worried about losing your No Claim Bonus (NCB) if you switch your insurance policy? There is no need to worry, as you can retain your NCB benefits (as per your expiring policy) when you choose to shift your insurance policy from another insurer to Kotak General Insurance.

Premium Discounts: Get an additional discount (as per the tariff) on your premium when you opt for Voluntary Deductible in addition to Compulsory Deductible.

AAI Members Discount: If you're an active member of a recognized Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums.

OPTIONAL COVERS

Choose from a range of optional add-ons, customised to your needs, that provide you with enhanced protection. Ensure maximum protection for your car by selecting the following add-ons that are available at an additional premium:

Roadside Assistance
Depreciation Cover
Consumables Cover
Engine Protect
Return to Invoice

CLAIMS

Cashless Claim Process

Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

Step 2: Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

Step 3: You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

Step 4: An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

Step 5: On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

Step 6: You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Reimbursement Process

Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

Step 2: Submit all bills along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation.

EXCLUSIONS

Exclusions: At Kotak Mahindra General Insurance, we value transparency above everything else. Here's a list of what we don't cover under our Kotak Car Secure Policy, so we can avoid any inconvenience at the claims stage.

Loss/Damage to the vehicle/accessory/accessories arising by the following will not be covered:

Normal wear and tear and general aging of the vehicle
Depreciation or any consequential losses(* Unless separately covered by add ons)
Vehicle being used otherwise than in accordance with limitations as to use
Mechanical/electrical breakdown
Any contractual liability
Damage to/by a person driving the vehicle under the influence of drugs or liquor
Damage to/by a person driving the vehicle without a valid license
Damages due to nuclear risk or war

Cancellation Grid: In case you would like to cancel your policy within a year, we will retain a portion of the premium as specified below:

Period	% of Annual Premium
Not Exceeding 1 month	20%
Exceeding 1 month but not exceeding 2 months	30%
Exceeding 2 months but not exceeding 3 months	40%
Exceeding 3 months but not exceeding 4 months	50%
Exceeding 4 months but not exceeding 5 months	60%
Exceeding 5 months but not exceeding 6 months	70%
Exceeding 6 months but not exceeding 7 months	80%
Exceeding 7 months but not exceeding 8 months	90%
Exceeding 8 months Full Annual Premium	Full Annual Premium

Why Choose Kotak For Car Insurance

With Kotak’s Car Insurance policy, you can protect yourself and your car from financial loss and damages. A comprehensive Insurance policy will cover all the damages caused to you, your vehicle as well as the third party damages caused in an accident. By buying a Kotak Car Insurance Policy, you can be assured of all-around safety every time you hit the road.

Here's How to Buy Kotak Online Car Insurance:

Get All-round protection for your precious vehicle in a few steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

STEP 1

Click on the "Get a Quote" button on the Kotak Car Insurance Page.
STEP 2

Fill in your car details such as registration number, model, make etc.
STEP 3

Fill in you personal details and make the payment online.

Key Benefits

DAMAGE COVER

We provide cover for the partial or complete damages to your car caused by any natural calamities (such as; fire, explosion, self-ignition/lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, etc.) or man-made calamities (such as; burglary, theft, riot, strike, malicious act, accidental external means, terrorist activity, damage in transit by road, rail, inland waterway, lift elevator or air, etc.)

PERSONAL ACCIDENT COVER

The Personal Accident Covers you in case of any injury caused while driving, mounting into, dismounting from, or travelling as a co-driver in the insured vehicle. If any such event happens, the Kotak Car Secure has you covered. This protection is also extended to other passengers travelling in the car, if the number of passengers is limited to the carrying capacity of the car, excluding the driver.

THIRD-PARTY LEGAL LIABILITY

To keep everybody safe, Kotak Car Secure provides cover for any damage to third-party property and third-party bodily injury (including death) caused by an accident involving the insured vehicle.

COMPREHENSIVE COVER

To provide complete protection, Kotak Car Secure covers all electrical and non-electrical accessories as well as the bi-fuel systems of the vehicle in this four-wheeler insurance cover. If you would like to avail of other India motor tariff endorsements, you can do so by paying the required additional premium, if any.

ENHANCED PROTECTION

To keep everybody safe, Kotak Car Secure provides cover for any damage to third-party property and third-party bodily injury (including death) caused by an accident involving the insured vehicle.

THE KOTAK EDGE

To keep everybody safe, Kotak Car Secure provides cover for any damage to third-party property and third-party bodily injury (including death) caused by an accident involving the insured vehicle.

No Claim Bonus

Based on your previous claim history, you are eligible for an attractive No Claim Bonus (NCB). The amount of NCB increases progressively with each claim-free year up to a maximum of 50%. If you do not make any claims in the preceding year or years, you are entitled to an NCB on the Own Damage (OD) section of the policy based on the following table:

(Applicable for one year policies only)

Period of Insurance	% of NCB on OD Premium
The preceding year	20%
Preceding 2 consecutive years	25%
Preceding 3 consecutive years	35%
Preceding 4 consecutive years	45%
Preceding 5 consecutive years	50%

Keep in mind, you will be eligible for the NCB only if the insurance policy is renewed within 90 days of the previous policy’s expiry date.

Buy your Policy Now!

Doesn’t matter if you are already holding a car insurance policy with us or looking to buy a new policy. At Kotak General Insurance, buying car insurance is quick and hassle-free.

If you are holding a Kotak Car policy and looking to renew it, all you need to do is enter your existing policy number and/or your customer id on the renewal page and proceed.
If you want to buy a new Kotak Car Insurance policy, click here to proceed

BUY NOW

Keeping your vehicle safe and secure is important. That’s why we’ve created Kotak Car Secure, a comprehensive insurance plan that is your friend on the road.

Call us on 1800 266 4545 (8 am. - 8pm.) and intimate us about your claim with the details of your policy.

Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

We will arrange for an inspection to be conducted within 24 hours if a claim is reported on a working day, and on the next working day if the claim is reported on a Sunday or a public holiday.

On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, and the payment will be made directly to the garage.

You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Call us on 1800 266 4545 (8 am. - 8pm.) and intimate us about your claim with the details of your policy.

Submit all bills along with your policy details to us and we will make the payment within 7 working days of completion of documentation.

Frequently Asked questions

Of course, you may have more questions related to renewing or buying car insurance only, so scroll down and
find your question answered!

What is Roadside Assistance?

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

What is IDV?

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.

What should the IDV of my vehicle be?

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 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

What is an endorsement?

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

For how long my insurance cover is valid?

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.

We Hear You!

Great

Time saving and easy

Arpitraj Rakesh Sharma, MUMBAI

nice

nice. but engine and chassis number should be automatically recovered from car number

Bibek Basu, BANGALORE

VERY GOOD

JEEVA RATNAM BALAGA, BANGALORE

website very slow

BIPIN KUMAR MISHRA, BANGALORE

good

Aishwarya Singhal, HYDERABAD

GOOD

SUBHRANGSHU MONDAL, KOLKATA

Nice interface

Nice interface helps select the policy quickly

Mayur Singh Bisht, BANGALORE

Awesome!

JAYA HARISH KOVOOR, BANGALORE

please call

I have put the wrong car Registration number :( please call. I am sending an email to care@kotak.com

Aman Dhingra, SOUTH WEST DELHI

I renewed my car insurance

I renewed my car insurance with Kotak because the overall experience i felt as a customer was better than all other companies. The website for online payment is very simple and intuitive. The best part is that i can edit my quote anytime based on the different Covers and check how much my total premium is increasing or decreasing immediately. This makes decision making so fast and independent. With other companies either i could not edit some fields online or they wanted me to send them docs by post or scan/email or even visit the local branch. I also called the Kotak customer care and the lady politely took all my requirements before emailing me the quote in a pdf document. This was very helpful to me to compare the quote with other quotes from other companies. I feel that the business/product team, user experience team and software development team have done a great collaborative job to make the customer experience delightful. I just hope that this continues further in receiving my policy docs and any interaction thereafter. Sincere Regards, Manish Solanki

MANISH SOLANKI, BANGALORE

Excellent service

Nitesh Choudhary, RAIGARH (MH)

nice

Meenakshi Tyagi, MEERUT

Easy and interactive

SURAJ PRATAPSINGH RANA, PUNE

Last page

Last page is painful where it asks for OTP , I have tried multiple times and it wont work with Mozilla browser. Your site should be browser neutral

Anamika Basak, EAST DELHI

average

Vinay Kumar Gupta, BANGALORE

Nice web experience

Nice web experience, look forward to good road side assistance and insurance services from your end

PRATIBHA SINGH, EAST DELHI

Great value

Great value and user friendly on computer. The app was overlapping details when tried to purchase on iphone.

Ashwath Ram RN, BANGALORE

Simple & easy

ARUN KUMAR, GODDA

VERY NICE AND INTERACTIVE WEBSITE

WEBSITE WAS VERY NICE AND FAST AND VERY USER FRIENDLY- HAVE GIVEN 4 STARS BECAUSE OF A BUG IN THE PAYMENT MODULE (IF THE CITY/STATE/TOWN FIELD IS CHANGED AFTER PROVIDING PINCODE- PAYMENT DOES NOT GET PROCESSED) HAD TO CHANGE THE CITY/TOWN/ BECAUSE IT WAS WRONG

KRISHNA GOPALAN, CHENNAI

good

NINGARAJ G7 CR TECHNOLOGIES INDIA PVT LTD, BANGALORE

Good

Dilipkumar Dubey, VADODARA

cool

Better than Tata, Reliance and ICICI.. Please keep up the good work.

SURESH SELLADURAI, BANGALORE

Smooth claim settlement

Thanks for settling my claim. I got great support and guidance from Kotak team to complete this process. I appreciate each and everybody who involved in claim process and it has increased the trust on Kotak Insurance. Late shivakanthswamy family members conveyed thanks to you and your team

Disclaimer

You will be redirected to the website of Wellogo Services Private Limited, our wellness service provider, to facilitate your request. This link is provided only for your convenience. Kotak Mahindra General Insurance Company Limited does not undertake any liability, responsibility or reliability of any service, statement or other information displayed or provided through the website of Wellogo Services Private Limited.
Request you to refer the policy wordings pertaining to “Health and Rewards” and “Value Added Benefits” covers.
You agree to share your policy information with Wellogo Services Private Limited for the purpose of facilitation of the Wellness services.
You authorize Wellogo Services Private Limited to make a contact you over phone call/sms/ email for providing the Wellness services
You agree that by clicking on the link, you will redirected to Wellogo Services Private Limited website.
The use of website of Wellogo Services Private Limited is subject to the terms of use, other terms and guidelines, if any, contained within that website.
Kotak Health Premier UIN: KOTHLIP18089V011718
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Kotak Car Secure

Car Insurance By Kotak

Why Choose Kotak For Car Insurance

Buy your Policy Now!

Frequently Asked questions

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