Comprehensive Car Insurance

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*The above data is till 1st May, 2024

What is comprehensive car insurance?

If you own a car, you must know that your car requires valid insurance coverage before you take it for a spin. Just like you need a driving license to drive a car, you also need a third-party liability insurance too. This has been mandated by the Motor Vehicles Act of 1988. However, it is recommended to opt for a comprehensive car insurance policy that provides a wider scope of cover.

A comprehensive car insurance policy, as the name suggests, is a car insurance policy that provides the most inclusive scope of coverage. The comprehensive policy covers two aspects of possible car-related losses that you might suffer. One aspect is the mandatory third-party liability cover.

The other aspect is the coverage for your car's own damages. If your car gets damaged in an accident or due to any other natural or man-made cause, the comp insurance car policy will cover such damages too. You will get compensated for the repair costs so that you don't suffer any financial strain.

The policy provides full insurance for cars by also covering instances of theft. So, if you need complete protection against car-related emergencies and losses, comprehensive car insurance will be a suitable choice.

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Key features of car insurance from Kotak

Discover the exciting Car Insurance Features that go the extra mile for your safetyimage

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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.

Features of Comprehensive Car insurance policy

Here are some of the features of a comprehensive car insurance policyimage

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

imageCovers damages suffered by the car

If your car is damaged due to natural or man-made causes, the comprehensive car insurance plan covers for the loss suffered.

imageCoverage for theft

The comprehensive plan also covers theft of the car and pays the Insured Declared Value (IDV) against the same.

imagePersonal accident cover for the owner/driver

There is a personal accident cover available for the owner or driver of the car with a sum insured of Rs.15 lakhs. The cover pays a benefit in the case of accidental death or permanent total disability due to an accident.

imageRange of add-ons

Add-ons are optional additional coverage benefits that you can choose with the comprehensive cover. Kotak’s comprehensive car insurance policy allows a choice of multiple add-ons for an inclusive coverage.

imagePremium discounts

You can avail premium discounts for installing safety devices in your car, for being a member of an automobile association, for choosing a voluntary deductible etc. These discounts bring down the premium cost.

imageNo Claim Bonus

If you don’t make a claim in your comprehensive car insurance plan, you earn a no claim bonus. The bonus starts at 20% after the first claim-free year and keeps on increasing after each successive claim-free year. You can earn up to 50% no claim bonus and claim an equivalent discount on the premium.

imageCashless claim settlements

Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage

imageCovers damages suffered by the car

If your car is damaged due to natural or man-made causes, the comprehensive car insurance plan covers for the loss suffered.

imageCoverage for theft

The comprehensive plan also covers theft of the car and pays the Insured Declared Value (IDV) against the same.

imagePersonal accident cover for the owner/driver

There is a personal accident cover available for the owner or driver of the car with a sum insured of Rs.15 lakhs. The cover pays a benefit in the case of accidental death or permanent total disability due to an accident.

imageRange of add-ons

Add-ons are optional additional coverage benefits that you can choose with the comprehensive cover. Kotak’s comprehensive car insurance policy allows a choice of multiple add-ons for an inclusive coverage.

imagePremium discounts

You can avail premium discounts for installing safety devices in your car, for being a member of an automobile association, for choosing a voluntary deductible etc. These discounts bring down the premium cost.

imageNo Claim Bonus

If you don’t make a claim in your comprehensive car insurance plan, you earn a no claim bonus. The bonus starts at 20% after the first claim-free year and keeps on increasing after each successive claim-free year. You can earn up to 50% no claim bonus and claim an equivalent discount on the premium.

imageCashless claim settlements

Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage

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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

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!image

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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.

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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 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.

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Return to Invoice

Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss

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Tyre Cover

This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc.

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24X7 Roadside Assistance

This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc.

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Daily Car Allowance

In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation.

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NCB Protect

In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation.

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Loss of Personal Belongings

This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car.

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Key Replacement

This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car.

Why choose Kotak for online car insurance

Experience seamless protection and security with usimage

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.

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

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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.

Tips for choosing the right comprehensive car insurance plan

Here are some tips on how to select comprehensive car insuranceimage

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Choose a policy that offers a high IDV so that your claim is maximised in the case of total loss or theft.

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Choose an insurer that has a wide network of cashless garages for each cashless claim settlement.

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Look for the available premium discounts so that you can save more

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Look for suitable add-ons and add them to the base policy for enhanced coverage

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Understand the claim process of the car insurance policy. Choose a policy whose claim process is the easiest so that you don’t face problems during emergencies.

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Check the add-on premiums to ensure that the policy remains affordable in your pockets.

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Opt for the personal accident cover because it offers a considerable sum insured for very low premiums and gives additional coverage in the case of accidental emergencies.

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Maintain a no-claim bonus and use it to claim the maximum possible premium discount if you are renewing the policy. So, know how to choose comprehensive car insurance online and buy the right plan.

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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!

Why should you renew car insurance policy without break in

Know the importance of renewing your car insurance to stay coveredimage

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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.

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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.

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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 comprehensive car insurance claim at Kotak

Filing a claim under your comprehensive car insurance policy has been simplified by Kotak General Insurance. You can easily file your claim and get a settlement with minimal hassles. The process is as follows -image

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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.

Car Insurance glossary

There's always more to know about Car Insuranceimage

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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

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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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Comprehensive Car Insurance - Frequently Asked Questions

No, a comprehensive car insurance policy is not mandated by law. The Motor Vehicles Act of 1988 necessitates only a third-party plan. Though not necessary, the comprehensive car insurance policy is a better alternative as it gives a wider scope of coverage.

A comprehensive car insurance plan is valid for one year, after which you have to renew it.

A comprehensive insurance cover for cars is one that covers the mandatory third-party legal liability and the damages that the car itself might suffer. The policy also covers theft of the car and secures your finances against car-related emergencies.

Yes, damages to the engine is covered under a comprehensive car insurance policy by opting for Engine Protect Add on Cover. It covers consequential loss to engine & gear box parts because of water ingression and oil leakage due to accidental undercarriage damage.

Product

UIN No.

Kotak Car Secure – Bundled

IRDAN152RP0010V03201819

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