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Premium Features | Comprehensive Plan | Own Damage Plan |
Cashless repairs | ||
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 | ||
Standard Features | ||
Car damage | ||
Theft coverage | ||
Personal accident cover | ||
Car damage due to natural disasters | ||
Car damage due to man-made calamities eg: riots | ||
Car damage due to fire | ||
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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.
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.
Mechanical/Electrical breakdown
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.
Generous Benefits
In case of a breakdown, we’ve got you covered with towing, repairs and more when you need it most.
Generous Benefits
We say,
Why settle for less!
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The perfect coverage for your dream car
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So stay informed about car insurance
Overview – Kotak Car Insurance
Car insurance is a legal document and a contract between the car owner and the car insurance provider. The agreement offers protection for the insurance car in the case of financial losses due to accidents, natural calamities, rodent damages etc.
Apart from the financial assistance requirement, a car insurance is a regulatory document that every car owner must purchase while buying a car. Even second-hand cars need insurance. Besides, a car insurance policy must be renewed every year as per the Government norms.
Kotak car insurance caters to your needs by providing top-notch features that give you benefits in multiple ways throughout your car insurance journey.
Wherever your long drives take you, our extended network of garages will allow you to enjoy hassle-free cashless service across the country
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.
Get an additional discount (as per the tariff) on your premium when you opt for Voluntary Deductible in addition to Compulsory Deductible.
If you're an active member of a recognized Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums.
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.)
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.
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.
Your car needs extensive protection that covers damage caused to you as well as the third-party. Hence, Kotak Car Secure covers all electrical and non-electrical accessories as well as the bi-fuel systems of the vehicle in its four-wheeler insurance cover. You can extend the range of your protection by buying add-on coverage at extra premium rates.
For better coverage, you can choose to enhance your policy by choosing from our range of add-ons that are available for an additional premium.
When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak Group has an illustrious history that spans over 3 decades and is considered to be one of the most trusted brands in the country. With Kotak Car Secure, your car is in safe hand.
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:
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.
By comparing car insurance policies online, you can determine which is best for you based on its cost. The only thing to note here is that one should consciously compare similar types of car insurance policies.
Car insurance policies 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 can obtain your car insurance without filling out any papers if you have been timely renewing your policy or are going to buy a new one. You won't need any paperwork to buy a car insurance policy.
When you buy a car policy offline, processing physical paperwork takes a long time; however, when you purchase a car insurance policy online, information is processed instantly, and your policy is issued immediately.
Online car insurance purchases are more convenient than traditional ones. You can buy a car 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.
Online research into a car insurance provider is more straightforward than offline research. Before buying an online car insurance policy, you can check the company's website to learn more about its Incurred Claim Ratio, claim filing process, and claim resolution time. To obtain a clearer picture, you can also read reviews left by current or former customers.
That's where Kotak General steps in with their expertise, solving all your problems in a snap.
Kotak Car Secure offers comprehensive coverage for your vehicle, and it is also flexible enough to meet your needs. You can choose between a range of different policies, including collision car insurance, third-party fire and theft insurance and third-party liability insurance. Kotak Car Secure aims to give you a seamless experience right from the day you decide to buy a car insurance plan and, hence, offers you top-notch services as well as a simplified process.
Don't roll the dice when it comes to your protection, invest in a comprehensive car insurance policy that also covers third-party liabilities. Besides, a third-party insurance is a mandate and not having own with your vehicle can result in a huge fine, imprisonment or both. Additionally, a third-party insurance for every vehicle is essential as it helps in easing the financial burden for the victim.
Kotak General Insurance provides car insurance online by filling in your registration details and make-model, previous claim details, etc. After that, you can get car insurance quotes immediately within the course of a few clicks. At the end of the tenure of your plan, you can avail yourself of car insurance renewal online & get the best deals at your fingertips. It's time to finally get rid of your old car insurance policy. Join Kotak Car Secure today, and experience car insurance as a service at its best.
“Your car is your investment. So, we protect it with the right 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.
With Kotak General Insurance, you can renew your 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.
You and Kotak Car Secure have the mutual goal of keeping your car safe and sound. Under any unforeseen circumstances, Kotak 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
By selecting your top choices from the available range of optional covers, you have an opportunity to build a car insurance policy that caters to your personal needs. For extended protection and to secure your car under dynamic circumstances, you can choose from any of the given additional covers.
Secure the depreciation value of your car in case of total loss with our depreciation cover. With this cover, you can claim the maximum amount of your car without any deduction for depreciation.
With consumables cover, you get compensated for the replacement of consumable items like lubricants, engine oil, brake oil, power steering oil, AC gas, nuts, bolts, grease, etc. This cover saves you from having to pay out of your own pocket for these consumables.
Your car’s engine is in a state of constant wear and tear and, hence, it is subject to damage. With an engine protect cover, you can get compensated for consequential losses caused to the car's engine or/and its parts due to incidents like water ingression, leakage of lubricant oil, etc.
In case of a total loss of your car due to theft or accident, you can get compensated with the insured declared value (IDV) of the car with the help of the Return to Invoice add-on. This add-on cover is not applicable for transfer of ownership cases.
Your car’s tyres are exposed to incessant struggles as they bear the weight of the vehicle while at the same time surviving the bad road conditions. Hence, it is vulnerable to suffering damage. Using tyre protection cover, you can get compensated for the repair, replacement, as well as labour charges incurred. This cover is valid upto 1.5 years only with tyre serial number.
When your car is under repair for more than two days, you can continue with your customary work and chores using the add-on cover of daily car allowance.
There are chances that in the case of accidents, it’s not just your car that faces damage but also personal belongings that were inside the car. With this car insurance protection cover, you can be compensated for the loss of personal belongings as per the IDV of your policy.
With our 24*7 roadside assistance, you can protect your vehicle from unexpected on-the-road inconveniences. This cover provides you with backup under the following circumstances.
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.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment 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 1 800 266 4545 (8 a.m. – 8 p.m.) 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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
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
To best enjoy all your inclusions, you must also learn about the exclusions. It’s ideal to have every piece of information before you buy Car Insurance. Here is a list of all the exclusions from our car insurance policy.
Loss/Damage to the vehicle/accessory/accessories arising by the following will not be covered:
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 |
The car insurance premium refers to the amount paid periodically by the policyholder to the insurance company for the coverage as per the policy.
The Insured Declared Value (IDV) of a vehicle is the maximum Sum Insured fixed by the insurer at the beginning of each policy period for the insured vehicle. The IDV of the vehicle is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation. If the vehicle suffers total loss, the IDV is the compensation the insurer will provide to the policyholder.
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
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.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
Own Damage cover protects the insured vehicle against the damages caused due to accidents, and man-made and natural calamities such riots, theft, fire, flood, etc.
When you get your damaged car repaired at your insurance provider's network garage, the insurer pays the garage directly. Since the policyholder does not have to handle this expense from his/her own pocket, this facility is called a cashless claim.
Comprehensive car insurance covers a four-wheeler against own and third-party damages. It provides financial help to the policyholder if the insured car has sustained damages due to road accidents, natural disasters, artificial calamities, theft, fire, etc., along with third-party liabilities.
In car insurance, deductibles are a part of the claim amount you will pay from your pocket during claim settlement. The rest of the claim amount is paid by the insurance company. There are two types: voluntary and compulsory deductible. A compulsory deductible is an amount you must pay mandatorily whenever a claim is registered. The amount of mandatory deductible depends on the cubic capacity of a car's engine. On the other hand, a voluntary deductible is the part of the claim amount you willingly choose to pay at the time of claim settlement. You can also choose not to pay voluntary deductibles by opting for zero deductibles while buying a car policy.
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.
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 damages beyond repair, the IDV is the compensation that the insurer will provide to the policyholder.
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
Tyre Cover
Breakdown support over the phone
Taxi benefits
Arrangement of keys
Message relay
Minor repairs
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% |
An endorsement is written evidence of an agreed change in policy terms.
Typically, a general insurance contracts like car insurance are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.
There are 2 types of car insurance in India:
Some of the benefits of auto insurance are:
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 premium of car insurance includes the following components:
Cubic capacity | Premium with effect from 1st June 2022 |
---|---|
Below 1000 cc | Rs. 2094 |
Above 1000 cc but below 1500 cc | Rs. 3416 |
Above 1500 cc | Rs. 7897 |
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:
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
For the car insurance claim process, you would need to
Here are a few factors that affect the car insurance premium are as follows:
You canrenew your comprehensive car insurance online. For car insurance renewal, you are required to fill in the following details online:
Step 1:Fill in your existing car insurance policy number or your customer id
Step 2:Fill in your vehicle registration number or vehicle engine number, or vehicle chassis number
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
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.
The car insurance premium is influenced by following parameters:
Car make and model
Type of cover
Age of the vehicle
Location
You can also calculate thecar insurance premiumonline with the help of the car insurance calculator. All you have to do is enter your vehicle details along with the mobile number and email id and click on “Get Quote.”
The perfect coverage for your dream car