Daily Car Allowance Add On Cover

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What is Daily Car Allowance Add On Cover?

Daily Car Allowance add-on cover is an optional feature that can be added to your car insurance policy. This coverage provides you with a daily allowance to cover transportation expenses while your car is being repaired due to an accident or other covered event. With this coverage, you can receive a daily allowance for a set number of days while your car is being repaired. Its cover can also be extended to cover rental car expenses, providing you with a rental car while your car is being repaired or replaced. The amount of the daily allowance and the number of days it is provided can vary depending on your policy. Consider adding a Daily Car Allowance add-on cover to your car insurance to protect your finances and ensure you can continue to go about your daily activities without interruption.

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Benefits of Daily Car Allowance add-on cover

Daily Car Allowance can offer several benefits to individuals and organizations. Here are some of the key advantages of a daily car allowance:

  • Flexibility: A daily car allowance provides flexibility for employees who use their vehicles for work-related purposes. It allows them to choose the vehicle that suits their needs and preferences, providing a level of comfort and convenience.

  • Cost control: With a daily car allowance, organizations can establish a fixed budget for transportation expenses. This helps in controlling costs as the allowance covers fuel, maintenance, insurance, and depreciation costs associated with using a personal vehicle for work purposes.

  • Ownership and maintenance: When employees use their vehicles for work, they are responsible for the ownership and maintenance of the vehicle. This reduces the burden on the organization to manage a fleet of vehicles, including purchasing, registration, and upkeep.

  • Increased productivity: Having access to a personal vehicle can enhance an employee's productivity by allowing them to travel more efficiently between work-related appointments, meetings, and client visits. It reduces reliance on public transportation or waiting for company-provided vehicles.

Who should choose the Daily Car Allowance add-on cover?

The Daily Allowance add-on cover is an optional feature that can be included in car insurance policies to provide additional coverage for daily expenses incurred during the period when your car is undergoing repairs due to an accident. This add-on is beneficial for individuals who heavily rely on their cars for daily commuting or business purposes.

Here are a few situations where opting for the daily allowance add-on could be beneficial:

  • Commuters: If you use your car for daily commuting to work or other essential activities and it gets damaged in an accident; the daily allowance add-on can provide you with a substitute daily allowance to cover expenses for alternative transportation arrangements such as renting a car or using public transportation.

  • Individuals without alternative transportation: If you live in an area with limited public transportation options or rely solely on your car for transportation, the daily allowance add-on can be helpful. It provides you with financial assistance for alternative transportation during the repair period, ensuring that you can continue with your daily activities.

  • Lengthy repair periods: If the repair time for your car is expected to be longer due to extensive damage or unavailability of parts, the daily allowance add-on can help you cover the additional expenses you may incur during the extended period.

Steps to buy car insurance online from Kotak

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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

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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

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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

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Kotak Car Insurance Reviews & Ratings

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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.

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

Key Points to consider at the time of purchasing Daily Allowance add-on cover

When purchasing a daily car allowance cover, there are several important things to remember. Here are some key considerations:image

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Policy coverage: Carefully review the coverage provided by the policy. Ensure that it includes reimbursement for the daily allowance for transportation expenses incurred due to a covered event, such as a car accident, theft, or mechanical breakdown.

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Daily Allowance Limit: Check the daily allowance limit provided by the policy. This is the maximum amount you will be reimbursed per day for transportation expenses. Make sure it aligns with your needs and covers the potential costs you may incur.

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Waiting Period: Some policies may have a waiting period before you can start receiving the daily allowance benefits. Understand the waiting period mentioned in the policy and determine if it works for your requirements.

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Exclusions: Read the policy exclusions carefully to understand the circumstances in which the daily car allowance cover will not apply. Exclusions may vary between policies, so ensure you are aware of any limitations or conditions that may affect your coverage.

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Claim Process: Familiarize yourself with the claim process for reimbursement of the daily car allowance. Understand the documentation requirements and the procedure to file a claim.

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Premium Costs: Compare premium costs and plans on Kotak General Insurance to find a policy that offers reasonable coverage at a competitive price. Consider any deductibles or additional fees that may apply.

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Policy Duration: Determine the duration of coverage provided by the policy. Some policies may be valid for a fixed period, while others may be renewed annually. Choose an option that suits your needs and provides continuous coverage.

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Steps to renew car insurance policy online from Kotak

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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

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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

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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

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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

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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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FAQs Daily Car Allowance add-on cover

A Daily Car Allowance cover is a type of insurance coverage provided to individuals or employees who owns a car. It reimburses them for the expenses incurred during their daily travel, such as fuel costs, maintenance, and wear and tear through hired transport.

Daily Car Allowance cover is typically needed by individuals who use their personal vehicles for work-related travel, including sales representatives, delivery drivers, real estate agents, and other professionals who frequently drive for business purposes. It can also be beneficial for self-employed individuals who need to account for their business mileage expenses.

Generally, Daily Car Allowance covers expenses and other costs associated with of hired transport.

Whether Daily Car Allowance cover is available for leased or financed vehicles depends on the specific policy. Some policies may have restrictions or additional requirements for leased or financed vehicles.

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