Compare Car Insurance

Limit your speed, not your car insurance

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Buy online to avail 5% discount on policy premium

Renew your car insurancesuper quick
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Instant policy with zero paper-work

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Quick and hassle-free claim process

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4/5

We take your safety seriously

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4200+

Cashless Garages

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Jet-Speed

Claims

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Upto 50%

No Claim Bonus

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98.31%

Claim Settlement Ratio

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24/7

Around The Clock Assistance

Note: The above data is till 1st April, 2024

Compare Car Insurance

Comparing car insurance can help you make an informed decision and secure the best policy at the most competitive price. Comparing car insurance policies is a crucial step in finding the right coverage for your vehicle. By exploring the key factors to consider when comparing car insurance policies. Its primary goal is to simplify the process of evaluating different car insurance options side by side.

Consider which coverage types are essential for your needs and ensure they are included in the policies you are comparing. This may include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and more. It also allows you to compare key features, coverage details and premium rates in a structured and organized manner.

Higher limits provide greater protection but may also come with higher premiums. It's important to strike a balance that meets both your coverage needs and budget. Assess the policy limits for each coverage type.

Higher deductibles usually result in lower premiums, but make sure the deductible is affordable for you in case of an accident. A deductible is the amount you'll have to pay out of pocket before your insurance coverage kicks in. Examine the deductibles associated with each coverage type.

Look for a policy that offers a reasonable premium concerning the coverage and benefits provided. Keep in mind that the cheapest policy may not always provide adequate coverage or quality service.

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Types of car insurance plans by Kotak

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

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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.

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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.

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Own damage car insurance

Under this 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.

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Don't overspend on car insurance

Compare Car Insurance plansimage

Premium FeaturesComprehensive Plan

imageGrab additional discounts upto 22.5% on credit score

Own Damage Plan
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Cashless repairs

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No claim bonus up to 50%

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Coverage to electrical/non-electrical accessories

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Coverage to bi-fuel systems

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Damage to third party property

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Third party’s death or injury

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Zero Depreciation cover add-on inbuilt

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Extra coverage with optional add-ons

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Standard Features
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Car damage

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Theft coverage

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Personal accident cover

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Car damage due to natural disasters

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Car damage due to man-made calamities eg: riots

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Car damage due to fire

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Supreme Offerings

Awesome covers,added security awaits you

Amazing thingsAwait in your policy

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Electrical accessories

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

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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.

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Self ignition

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

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Natural disasters

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

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Personal accident

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

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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.

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Vehicle without valid license

Please keep in mind that we do not cover damage to/by a person who is not licensed to drive the vehicle or had an invalid license.

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Nuclear risk or war

We do not cover damage due to nuclear risk or war. We do, however, cover all other risks as mentioned in our Terms and Conditions of Service

Steps to buy car insurance online from Kotak

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

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 usimage

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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 buy insurance for a new car

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

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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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Product Brochure
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Policy Wording
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Cut the wait time

We process your claim @ Jet-speedimage
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Intimate Claim

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Quick Verification

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Instant Settlement

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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.

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Car Insurance

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

Steps to renew car insurance policy online from Kotak

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

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

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Visit https:www.kotakgeneral.com/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 file a car insurance claim at Kotak

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

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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 processimage

Documents required for car insurance claim

To raise a motor insurance claim under different situations mentioned above, you will require the following documents.

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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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How to download Your policy copy

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

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 uncertaintyimage

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.

Need Help? Head over to our learning centre

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RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsimage

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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