Car Insurance

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Kotak Car Insurance Policy in 2 Minutes
Save time with instance insurance

Instant policy with zero paper-work

Quick and hassle-free claim process

Quick and hassle-free claim process

Google Rating

4.5/5

We take your safety seriously

4200+

4200+

Cashless Garages

Jet-Speed

Jet-Speed

Claims

Upto 50%

Upto 50%

No Claim Bonus

99%

99%

Claim Settlement Ratio

24/7

24/7

Around The Clock Assistance

*The above data is till 30th September, 2023

What is Car Insurance?

Car insurance, also known as four-wheeler insurance is an agreement between a car owner and the car insurance provider that offers protection for four-wheelers in the case of financial losses due to unforeseen events like accidents and natural calamities.

Car insurance is designed to secure you, your car and pedestrians for life's unexpected twists and turns while driving.

A car insurance policy will provide you financial security at the time of unfortunate events from any risks and damages caused. It also covers third-party liabilities and ensures that you comply with the rules and regulations.

Key features of car insurance from Kotak

Discover the exciting Car Insurance Features that go the extra mile for your safetykey-features

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Cashless servicing.

Wherever your long drives take you, our extensive network garages will allow you to enjoy hassle-free cashless car insurance service across the country.

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NCB discounts & entitlements

Are you worried about losing your No Claim Bonus (NCB) if you switch your car insurance? There is no need to worry, as you can retain your NCB benefits (as per your expiring policy) when you choose to shift your existing car insurance policy to Kotak General.

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Premium discounts

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

Additional Kotak car insurance features

We believe in going above and beyond for your safety. Check out our new additional featuresadditional

Affordable premiums

Get coverage with affordable premiums

Optional Add-on

Range of add-ons for wider coverage

Third-party liability

Coverage against third-party bodily injury, death and property damage

Own Damage Cover

Coverage of Rs.15 lakhs against accidental deaths and permanent disablements

Personal accident cover

Coverage of Rs.15 lakhs against accidental deaths and permanent disablements

Easy cashless claims

Network of 4200+ garages for easy cashless claims

Why Do You need car insurance?

Car insurance is your safety net on the roads. Explore more why you need itwhy-car-insurance

Legally mandatory

Firstly, a car insurance policy is mandated by law. The Motor Vehicles Act of 1988 requires every car to be insured under a valid third-party coverage before you take it for a spin. So, to comply with the legal requirements and avoid penalties, car insurance becomes a must.

Coverage against third party liabilities

Third-party liabilities occur if your car physically hurts or kills another individual or causes third-party property damage. These contingencies are covered under the policy. Get coverage up to the legal liability for claims related to bodily injury, death or property damage as per the governed rules and regulations of Motor Vehicle Act. To know more about difference between third-party and comprehensive car insurance click here

Coverage against man-made and natural calamities

A comprehensive car insurance plan covers both man-made and natural calamities. Enjoy coverage against damages suffered due to earthquakes, lightning, flood, hurricanes, storm, landslide, fire, riots, strike, explosion, etc.

Theft cover

If your car is stolen, you not only lose an asset, but also incur a considerable financial loss. This loss is covered under a comprehensive car policy and you get compensated for the loss suffered.

Add-ons Covers

Comprehensive car insurance plans allow a range of add-ons that enhance the coverage. You can get 24/7 assistance in the case of emergencies, nullify the effect of depreciation on the claim, get the original invoice value of the car in the case of theft or total loss and more. Choose one or more add-ons and get to enhance the cover and make your policy more inclusive. Know more about comprehensive car insurance in India and add-ons here.

Compensation for financial loss

If your car suffers a damage, you might incur a considerable financial outgo on its repairs. In the case of a theft, the loss is considerable as cars come expensive. Third-party liabilities might also amount to a sizeable financial strain. A comprehensive car insurance policy takes care of these contingencies and compensate you for the loss that you might suffer.

Types of car insurance plans by Kotak

Know the diverse range of our Insurance Plans and find the perfect one that suits your driving needstypes

Comprehensive car insurance

A comprehensive car insurance policy is the most extensive car insurance cover under which an insurance company is liable to pay for financial liabilities incurred towards a third-party as well as for the own-damages sustained by the insured's car. In addition to road accidents, the policy is applicable in the event of natural calamities, man-made disasters, self-ignition or lightning, explosion, fire, theft, etc.

Learn Moremore

Third party insurance

Third-party car insurance policy is a mandatory requirement for driving a car in India. It is the most basic car insurance plan and is thus also called Liability Only Car Insurance Policy. Under this cover, the insurance company is liable to pay for the bodily injuries, permanent disability, temporary disability as well as death of the third party caused by an accident involving the insured's car. This plan also provides coverage for property damage incurred by the third party up to Rs. 7.5Lakh

Learn Moremore

Own damage car insurance

In September 2019, the Insurance Regulatory and Development Authority of India (IRDAI) introduced the Standalone Own-Damage car insurance policy. Underthis plan, the insured gets insurance coverage only for the own-damages sustained by his/her four-wheeler in a natural/man-made road accident,calamity, fire, explosion, theft or any other mishap. A standalone own-damage car insurance policy aims at offering the insured the flexibility in terms of the insurance provider they

Learn Moremore

Features of our various car insurance policies

See what makes our car insurance policies stand out!various-features

A comprehensive car insurance plan provides an all-around coverage and covers the mandatory third-party liability.

Don't overspend on car insurance

Compare Car Insurance plans

Premium FeaturesComprehensive Plan

discountGrab additional discounts upto 22.5% on credit score

Own Damage Plan
Cashless repairs

Cashless repairs

IncludedIncluded
No claim bonus up to 50%

No claim bonus up to 50%

IncludedIncluded
Coverage to electrical/non-electrical accessories

Coverage to electrical/non-electrical accessories

IncludedIncluded
Coverage to bi-fuel systems

Coverage to bi-fuel systems

IncludedIncluded
Damage to third party property

Damage to third party property

IncludedNot Included
Third party’s death or injury

Third party’s death or injury

IncludedNot Included
Zero Depreciation cover add-on inbuilt

Zero Depreciation cover add-on inbuilt

IncludedNot Included
Extra coverage with optional add-ons

Extra coverage with optional add-ons

IncludedIncluded
Standard Features
Car damage

Car damage

IncludedIncluded
Theft coverage

Theft coverage

IncludedIncluded
Personal accident cover

Personal accident cover

IncludedNot Included
Car damage due to natural disasters

Car damage due to natural disasters

IncludedIncluded
Car damage due to man-made calamities eg: riots

Car damage due to man-made calamities eg: riots

IncludedIncluded
Car damage due to fire

Car damage due to fire

IncludedIncluded
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Supreme Offerings

Awesome covers,added security awaits you

Amazing thingsAwait in your policy

Cause awesomeness has no ending

Electrical accessories

Insuring your vehicle’s every need and providing comprehensive plan that covers all electrical/non-electrical accessories.

Fire

Don’t let fire damage to your car ruin your life. Stay protected against any loss and get compensated for damages caused by fire.

Self ignition

Get compensated for losses incurred from combustion that occurs without the use of an external heat source.

Natural disasters

When disaster strike, we’ve got you covered. Get protected from the effects or damages due to natural disasters.

Personal accident

Get comprehensive coverage to protect yourself and your loved ones from unpredictable events such as accidents.

Explosion

Keeping your property safe & covered from the damages caused by rapid nuclear or chemical reactions.

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Wear, tear & general aging of vehicle

We do not cover any damages due to normal wear and tear and general aging of the vehicle

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Depreciation or consequential losses

Our coverage does not include depreciation or consequential losses (unless they are separately covered by add-ons).

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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.

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Mechanical/Electrical breakdown

Any damage or loss that occurred due to mechanical or electrical breakdown is not covered by us.

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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.

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Influence of drugs or liquor

We do not cover damage to/by a person who is driving under the influence of drugs or alcohol.

Cancellation Grid


In case you would like to cancel your car insurance 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 month

30%

Exceeding 2 months but not exceeding 3 months

40%

Exceeding 3 months but not exceeding 4 month

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

Add–ons available with car insurance policy by Kotak

Customize your coverage with our amazing add-ons - they're like bonus features for your car protection!addons

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Consumables Cover

Consumables are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. Know more about car insurance consumables add on coverage.

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Depreciation Cover

Depreciation is not covered under car insurance. In the case of claim, the cost of depreciation is deducted from the cost of repairing or replacing the parts. However, with the Zero Depreciation Cover add-on, depreciation gets covered. It is not deducted from the claim amount and the claim payout is higher.

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Engine Protect

If the engine suffers a damage due to water seepage or water logging, the add-on would cover such damages and pay for the repair or replacement of the damaged engine are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. Know more about car insurance engine protect add on.

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Return to Invoice

Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss. Know more about car insurance return to invoice add on coverage

Why choose Kotak for online car insurance

Experience seamless protection and security with uswhy-choose-kgi

You and Kotak Car Secure have the mutual goal of keeping your car safe and sound. Under any unforeseen circumstances, Kotak car insurance provides all-around protection. With Kotak Car Secure, enjoy enhanced protection that pays for first-party and third-party damage. For any critical or non-urgent circumstance, you can rely on our 24-hour assistance. Get the benefit of a maximum of 50% No Bonus Claim. Get access to Kotak’s cashless garage network across India.

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Time Saving Car Policy

No need to spend hours in buying a car insurance policy for your car. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your car and take it for a spin without worrying about potential financial losses.

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Money Saving Car Policy

Kotak car insurance comes at affordable premiums starting as low as Rs.2094. So, insure your car without burning a hole in your pockets with Kotak Car Insurance plans.

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Effort Saving Car Policy

At Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

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Instant discounts on Car Policy

Kotak offers car insurance discounts for affordability. Get up to 50% off renewal premium with no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.

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24x7 Customer care support for car policy

Need help in buying, renewing or making a claim on your car insurance policy? Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.

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Trusted and reliable car policy

At Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

Key benefits of buying car insurance online

Kotak General Insurance offers different types of car insurance plansaddons

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More Economical

When you compare car insurance online, you will be able to determine which is the best policy for you based on its cost. The only thing to note here is that one should consciously compare similar types of car insurance policies.

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Paperless transactions

Car insurance require you to answer basic questions about yourself and your vehicle. Based on these questions, you can select the insurance coverage you wish to buy for your vehicle. You won't need any paperwork to buy a car insurance online.

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Instant policy

When you buy car insurance offline, processing physical paperwork takes a long time; however, when you purchase a car insurance online, information is processed instantly, and your policy is issued immediately.

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More Convenience

Online car insurance purchases are more convenient than traditional ones. You can buy an insurance policy at one in the morning from the convenience of your home and still have a smooth transaction. Buying car insurance online offers ease.

Steps to buy car insurance online from Kotak

Hassle-free insurance at your fingertips with our easy and fast online processdesc

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.

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

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

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Fill in you personal details and make the payment online.

How to get an online quote for car insurance

See how simple it is to get a car insurance quote with usdesc

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Visit kotak general insurance website

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Log in to your Kotak general insurance profile using the OTP sent to your mobile number

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Fill in your details such as car registration number, mobile number and email id (optional).

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Click on the "Get A Quick Quote" button on the Kotak Car Insurance Page and review coverage

How to choose four-wheeler insurance for a new car

Know the essential factors to consider when choosing four-wheeler insurance for a new carhow-to-choose

Here are some tips on how to choose car insurance for new car

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Opt for a comprehensive new car insurance policy.

A new car should have an all-around protection. That is what a comprehensive car insurance policy offers. So, choose a comprehensive car insurance for new cars for an inclusive scope of coverage against possible financial losses.

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Choose a suitable IDV & add-ons.

The Insured Declared Value is the maximum coverage liability that the insurance company undertakes when insuring your car. This is the value that is paid when you suffer a theft or total loss. So, a higher IDV is a better choice as the claim pay out is higher in theft or total loss cases.

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Select suitable add-ons

Make your new car insurance policy more comprehensive with add-ons. Choose suitable add-ons depending on your coverage needs and get wider coverage. Enjoy higher claim pay-outs and better financial security.

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Claim the applicable discounts

As mentioned earlier, Kotak’s comprehensive car insurance policy allows a range of premium discounts that can reduce the new car insurance price. So, look for these discounts and claim the ones which are available for your car. If you had a previous car whose no claim bonus has been accumulated, transfer the bonus to the new car and get a discount on the new car insurance price.

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Check new car insurance price

Compare the new car insurance price across different policies. Choose the new car insurance policy that offers the most competitive rate of premium without compromising on the coverage. For instance, Kotak offers affordable policies for your new car with a comprehensive scope of coverage.

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Check the networked garages

Networked garages allow you to avail of the cashless claim facility. So, the wider the network of such garages, the better. Check the list of networked garages in your area to know which garage would serve the purpose when you suffer a claim.

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Know the claim settlement process

You need to follow the claim settlement process for a quick claim settlement. So, check the claim settlement process of the insurance company. Also, look for a policy that has a streamlined process and simplifies the claim experience, just like Kotak does.

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Check the Claim Settlement Ratio

Lastly, check the Claim Settlement Ratio of the insurance company as it indicates the percentage of claims that the company has settled. A high ratio is a better choice since it fosters trust on the insurer. For instance, Kotak has a Claim Settlement Ratio of 97% which shows that the company settles most of its claims and can be trusted for your new car insurance.

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How to buy insurance for a new car

We'll walk you through buying insurance for your new cardesc

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

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Fill in the required details such as registration number, model, make, etc.

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Fill in you personal details and make the payment online.

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Kotak Car Insurance Reviews & Ratings

Look what they have to say

Kotak Car Insurance Reviews & Ratings

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

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!

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Car 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.

qoute
Car Insurance

Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.

How car insurance premium is calculated

Let's talk about how car insurance premiums are calculatedhow-to-choose

You can use the car insurance premium calculator to find out. The car insurance premium calculator is an online tool that is easy to use. It gives you the exact amount of car insurance premium and helps you buy the policy too. To use the car premium calculator, you just have to enter a few details. These details are as follows –

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The type of policy that you want

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The make, model and variant of your car

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The registration date of the car

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The registration location

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Claim history, i.e., whether you made claims in the previous years or not.

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Available no claim bonus, if you did not make claims in the previous year

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The add-ons that you add to the comprehensive policy

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The discounts that you can avail

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Factors affecting four-wheeler insurance premium

Understand the key factors that affect your four-wheeler insurance premiumsfactors

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Coverage type

The cost of four-wheeler insurance varies based on the chosen coverage. Different plans have different premiums, and your choice determines your payment. Comprehensive plans are pricier as they provide broader coverage compared to third-party plans.

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Car type

The car's value, coverage, and insurance premium are influenced by its make, model, and fuel version. Lower-priced cars have lower premiums, while higher-priced cars have higher premiums. The car's Insured Declared Value (IDV) and premium are determined by its make and model.

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No claim bonus

The no claim bonus determines the discount that you can get when renewing your four-wheeler insurance policy. The higher the bonus the higher the discount and lower the premium that you have to pay.

Tips to avoid actions that increase car insurance cost

Learn some savvy tips to avoid actions that raise your car insurance costshow-to-choose

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One of the most important factors affecting car insurance premiums is your driving history. By avoiding traffic violations will help keep your premiums lower.

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Generally, high-performance or luxury vehicles, tend to have higher premiums. It is advisable to research comprehensive insurance premium before purchasing a car.

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Opting for higher deductibles can lower your premiums. The deductible is the amount you’re responsible for paying out of pocket before your insurance cover kicks in.

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Paying bills on time and maintaining a good credit score can result in lower insurance rates.

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Periodical review of your insurance coverage ensures you have appropriate level of protection.

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Reduction in your annual mileage, using public transportation or working from home may result in lower premiums.

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Advantages of renewing car insurance online

Here's why online car insurance renewal is a win for youfactors

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Easy and convenient

Renewing car insurance online is very easy and convenient. You can renew the policy from the comfort of your home or office or even on the go. You don’t have to visit the insurance company’s branch for car insurance renewal. It is, thus, convenient. Moreover, no paperwork is required and you can renew in some simple steps making the process easy.

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Instant

Online car policy renewal allows instant coverage. This is because the renewal is done in real time and you can enjoy instant coverage on the car.

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Cost-effective

Renewing online cuts down on the costs of physically visiting the insurance company and renewing the policy. Moreover, you can compare the car insurance quotes across different insurance companies and switch to a company offering a wide scope of coverage at lower rates of premiums.

Steps to renew car insurance policy online from Kotak

Follow these quick steps to renew your car insurance policy and keep your car protected alwaysdesc

Your car insurance is just a click away. Visit the Kotak Car insurance page to get your car insurance quote.

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Click on kotak car insurance renewal and choose the car insurance policy that you want to renew

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Enter your policy number and mobile number and click on ‘Submit’.

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Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you

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Pay the renewal premium and your policy will be done instantly!

How to renew car insurance for an old car

Renew your old car with ease, we're here to helpdesc

With Kotak General Insurance, you can renew car insurance policy by just entering your existing policy number or customer ID on the page. Once your policy number/customer ID is verified, you can make the payment to renew your insurance instantly. Want to renew your car insurance policy? Kotak makes your job easy! Kotak car insurance can be done online in a few simple steps. Read on how –

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Click on kotak car insurance renewal and choose the car insurance policy that you want to renew

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Enter your policy number and mobile number and click on ‘Submit’.

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Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.

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Pay the renewal premium and your policy will be done instantly!

Why should you renew car insurance policy without break in

Know the importance of renewing your car insurance to stay coveredadditional

Continuous coverage

Renewing your car insurance policy without a break ensures that you maintain continuous coverage. A gap in coverage is considered as a potential risk and it may result in higher premiums when you decide to get a coverage again.

Financial protection

Car insurance provides financial protection and stability against unexpected events like accidents, theft or damage to your vehicle. You will have to bear full cost of repair or replacement without insurance which can be substantial.

No loss of benefits

No-claims bonus or discounts are few benefits that accumulate over time for loyal customers. Renewing your car insurance policy can provide significant savings on your premiums and you can enjoy such benefits.

How to file a car insurance claim at Kotak

Filing a claim has never been this easy – we made sure of itdesc

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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

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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.

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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.

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

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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.

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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

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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.

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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.

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The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

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

List of documents required for filing a car insurance claim

Get familiar with the documents needed for speedy claim process. To raise a motor insurance claim under different situations mentioned above, you will require the following documents.how-to-choose

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Registration Certificate (RC) Copy

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Policy Copy

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Policy holder's valid ID proof

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Drivers Driving license

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FIR Copy (In case of theft and TP claim)

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Duly filled Claim form

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Any further requirements will be conveyed basis inspection

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KYC documents required to buy car insurance

Check out the KYC documents required for your car insurance purchasewhy-car-insurance

The KYC (Know your customer) documents required to buy car insurance may vary depending on the insurance company and the jurisdiction you are in. However, here are some common documents that are typically required:

Identity proof

A valid government-issued identification document is usually required. This can be a passport, driver's license, Aadhaar card or national identification card.

Address proof

You may need to provide proof of your residential address. Accepted documents may include utility bills (electricity, water, gas), bank statements or a rental agreement.

Vehicle registration certificate

The insurance company will require the registration certificate (RC) of the vehicle for which you want to purchase insurance. This document proves that you are the legal owner of the vehicle.

Previous insurance details

If you already have car insurance and are renewing or switching policies, you may need to provide details of your existing insurance, such as the policy number, insurer name, and expiration date.

Driving license

Your valid driving license may be required to verify your eligibility to drive and insure the vehicle.

PAN card

In India, you may need to provide your Permanent Account Number (PAN) card for financial transactions and identification purposes.

How to download Your policy copy

Here is your step-by-step guide to access your policy copydesc

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.

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Enter your policy number

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Enter your registered mobile number Or your registered email Id

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Click on Get OTP

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Type the OTP and click on download car insurance policy document

Kotak General Insurance cashless network garages

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertaintywhy-car-insurance

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Kotak General Insurance without the need for upfront payment.

Car Insurance glossary

There's always more to know about Car Insurancefactors

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Insured declared value (IDV) in car insurance

The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.

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No claim bonus (NCB) in car insurance

The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.

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Zero depreciation in car insurance

Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.

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RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsadditional

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

Car insurance for your favorite brands

We've got you covered with car insurance for your favorite brandsadditional

Important Blogs about Car Insurance

Your car deserves the best insuranceadditional

Car Insurance - Frequently Asked Questions

Zero depreciation cover helps you protect your car against all physical damages caused to the car without factoring in the element of depreciation. Normally the insurer accounts for depreciation on your car's parts and therefore pay you your claim only after subtracting the amount of depreciation. But, with the Zero depreciation add-on, you get claim amount without deducting the depreciation.

First foremost, you have to apply for a car insurance transfer by paying a transfer fee along with the documents mentioned below:

  • Existing Insured's consent

  • New Customer's Proposal

  • Transferred RC Copy / Sale Proof

  • Inspection of Vehicle (If request received post 14 days of transfer)

  • NCB Recovery, if any

  • Recovery / Refund of ODPA, if any

  • Transfer Fee

  • Then hand over the new policy schedule to the new policy holder.

The IDV is an important factor that decides the price of car insurance. Insured declared value is a fixed value in a car insurance policy at which your car is insured. Few factors that impact IDV are:

  • Car type:

    The value of the car depends upon its type. Generally, there are 3 types - SUVs, hatchbacks, and sedans. You may also find sports car variants or vintage cars. The value of an SUV is higher than a hatchback; similarly, a vintage car though old, has a higher value than most new cars.

  • Variant of the car:

    Same cars of the same brand may have advanced features that place the car at a higher variant. The higher the variant of the car, the more the value of the car, which increases the IDV.

  • Purchase location:

    The on-road price of the same cars varies across different locations. This change in price can change the value of the IDV of the same vehicle at different purchase locations.

  • Depreciation:

    Depreciation is the reduction in the value of the car over the years due to general wear and tear. It is inversely proportional to the value of the car. The higher the depreciation lower is the car’s value.

  • Accessories:

    The car accessories also depreciate over time and are also included in calculating the IDV of your car.

Your car insurance is just a click away.

  • Visit the Kotak car insurance page to get your car insurance online.

  • Click on the “Get Quote” button

  • Fill in the required details such as registration number, model, make etc.

  • Quote for car insurance will be generated basis the details submitted

  • Proceed to submit the proposer details

  • Make the payment

Car insurance policy document will be generated which can then be saved

No matter how much you pay for your car insurance, you can always get a discount on your car insurance premium with

  • No Claim Bonus on Car Insurance:

No claim bonus is a discount that is given to you if you have not raised any claim during the policy tenure. Retaining the no claim bonus helps you to get a higher discount every year on your car insurance renewal.

  • Security measures:

Installing anti-theft or security devices ensures that your car is safe from theft which in turn reduces your premium for car insurance policy.

While comparing car insurance quotes, buyers generally look for insurance policies that provide maximum coverage at the lowest premium. While this can be a factor but completely depending upon low premiums can be a big mistake. Instead, you must look at

  • The right IDV

  • Better services

  • Claim settlement ratio

Second hand car insurance is available for used cars. You can choose from a third party liability policy or a comprehensive one. Buying old car insurance is similar to buying new car insurance. You just have to go online, provide your car’s details, select the coverage that you need, add add-ons, if required and calculate the premium.

Pay the premium online and the second hand car insurance policy will be issued.

Kotak allows quick and hassle-free purchase of old car insurance. To buy old car insurance for your second hand car, you can simply follow the below-mentioned steps –

  • Visit https://www.kotakgeneral.com/ and select ‘Car Insurance’

  • Enter the registration number of your car and your mobile number.

  • The details of your car will be displayed. If there are any changes, you can do the edits.

  • Check out the old car insurance plans available for your used car and their premium.

  • Select a suitable policy and click on ‘Buy Now’.

  • Fill up the proposal form and pay the premium online

Your policy will be issued instantly.

You should not let your car insurance lapse and renew it immediately if expired. In case you renew it after expiry, the following outcomes may follow:

If you have earned any No Claim Bonus over the last few years of the policy period, you might lose the same.

After your insurance expires, your car is not insured and that may put you and your car at considerable financial and legal risk in case of any.

Having at least third-party car insurance is mandatory by law, so in case you are charged under the law for driving without valid car insurance, you will get fined or face legal implications.

On-time car insurance renewals have multiple benefits. Have a look –

  • When the policy is not renewed on time, the coverage lapses. A lapse means that the coverage stops and any financial loss that you incur is not borne by the insurance company. With on-time car insurance renewals, you can enjoy uninterrupted coverage, without a break. In the case of an accident, theft or third party liability, the coverage will compensate you for the financial loss suffered.

  • Lapsed coverage is also problematic if you are caught by traffic authorities. They might charge a fine or a penalty for not having a valid insurance coverage. With on-time car insurance renewal, you have valid coverage and you can avoid legal hassles.

  • You can retain the no claim bonus that you have accumulated through the previous claim-free years.

  • Timely car policy renewal also eliminates the need of inspection which is usually required if you renew the policy after it has lapsed.

  • Lastly, on renewing car insurance timely, you can enjoy lower premiums since insurers might charge an additional premium if your policy has lapsed and the coverage is not active.

Renewing your car insurance is crucial to ensure seamless protection. At Kotak General Insurance, the renewal of car insurance is quick and hassle-free. It is advised to renew your policy before it expires, though, even if your car insurance policy has expired, 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 car insurance instantly

  • To renew your car insurance policy for old cars, click here.

  • Select your desired car insurance plan

  • Enter your previous car insurance policy number

  • Enter your mobile number

  • And you can buy new car insurance for your old car

At Kotak General Insurance, we settle your car insurance claims within 7 days of submitting all your requisite documents. Also, the sooner you raise a claim, the sooner your car will get repaired and the sooner your claim will be settled.

For the car insurance claim process, you would need to 

  • Inform us about the damage

  • Submit the claim intimation form

  • Submit all necessary information

  • We will send a surveyor for inspection within 24 hours.

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website

  • Click on the link

  • Enter your policy number 

  • Enter your registered Mobile number

  • Or

  • Your registered email id

  • And Click on Get OTP

  • Type the OTP and click on download car insurance policy document

To get the duplicate car insurance policy offline, you will have to

  • Inform the insurance provider about the loss of papers

  • File an FIR at the nearest police station

  • Need to publish an advertisement in your state newspaper

  • Need to submit an application to your car insurance provider for duplicate papers

  • Get an indemnity bond acknowledged by the notary 

If you have lost your RC book, then you have to register a complaint with the police at the nearest police station. You must provide all the details about how and where exactly you lost your RC card. Then fill in the required forms and mention the registration number of your vehicle, model, your name and address, the chassis number of the vehicle, engine number, etc. The Regional Transport Office then provides an RC extract that can be submitted with other requested documents for filing the car insurance claim.

The cashless claim process in car insurance refers to a smooth way of settling insurance claims. It processes claims without any payment by policyholder for the repair expenses caused due to any damage or accident. To know more watch this video

Car insurance: Cashless claim process

The reimbursement claim process is an alternative to the cashless claim process. In this process, the policyholder pays for the repairs or damages caused due to accident. To know more watch this video

Car insurance: Reimbursement claim process

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