Car Insurance In Chandigarh

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Car Insurance Policy in Chandigarh

Chandigarh is a Union Territory, and the joint capital of both Punjab and Haryana. This beautiful city offers travellers various unique places to explore, and some lip-smacking food. Being one of the first planned cities in India, it is internationally known for its urban design and architecture. Based on a national government study, Chandigarh has been reported to be one of the cleanest cities in India.

The city’s high per capita income and cosmopolitan nature invites people from across the country to come here and make a living. This, in turn, has increased the population manifold. And despite a well-connected public transport system, there has been a surge in car ownership. People tend to prefer the convenience and comfort of a car to navigate around the well-planned boulevards and streets of Chandigarh. But, driving here comes with the attached responsibility of buying car insurance. As per the Motor Vehicles Act, it is mandatory to have third party car insurance in India.

At Kotak General Insurance, we offer our customers comprehensive policies which provide protection against accidental damages. Further, we provide the convenience of cashless garage services. Once insured, you don’t need to pay anything upfront to get your car repairs underway.

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Cashless Garages in Chandigarh

When choosing a car insurance policy, it is important to invest in one that comprehensively protects you and your vehicle against accidental damages and keeps you stress-free. With us, paying a car insurance premium in Chandigarh couldn’t be easier and safer. In addition to our cashless garage facility, here are the inherent benefits you will receive:

Benefits of Kotak General Insurance’s Car Insurance Policy

A good car insurance policy is one that comprehensively protects you against accidental damages and gives you peace of mind. Below are the key features we offer with our comprehensive car insurance policy:

  • Damage protection against man-made and natural calamities

  • Personal accident and passenger cover

  • Third party liability

  • No Claim Bonus

  • Add-ons such as zero depreciation cover, medical cover, etc.

  • Up to 22.5% additional discount based on credit score

  • Automobile Association of India (AAI) member discount

So, if you are looking for car insurance in Chandigarh, be sure to check out our policies.

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Kotak Car Insurance Reviews & Ratings

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Kotak Car Insurance Reviews & Ratings

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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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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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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.

Car Insurance

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

Kotak General Insurance cashless network garages

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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

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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.


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.


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

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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.

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