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What is Kotak METER?

Ever heard of car insurance with CASHBACK! Our METER (SWITCH ON/ SWITCH OFF) add-on cover makes this possible. Kotak Meter is available with Kotak Car Secure, our Private Car Insurance Policy.

With Kotak Meter, you can switch on your insurance when your car is in use and switch it off when it is not. Earn reward days and get cashback on your Own Damage (OD) premium for the duration your car has been parked idle.

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Features of Kotak METER

Car Insurance with cashbackimage

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Switch off your own damage cover when not driving

Simply slide to change the cover state

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Save up to 40%*

Your parked car is now a new mode of savings

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4200+ network of cashless garages

Network garages to access cashless repairs

Why to buy Kotak METER

Motor Insurance with cashbackimage

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Save Big

Reward days accrued can be redeemed to earn cashback upto 40% on your car insurance premium

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Manage

Now control and manage multiple policies in a single app

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Quick Support

Get quick and hassle- free claim support at your fingertips

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. Know more about car insurance consumables add on 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 Zero 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. Know more about car insurance engine protect add on.

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Return to Invoice

Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss. Know more about car insurance return to invoice add on coverage

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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. Know more about car insurance Tyre cover add on.

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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. Know more about car insurance raod assistance add on.

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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. know more about car insurance daily car allowance add on.

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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. know more about car insurance loss of personal belongings add on.

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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.

How it works?

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Choose Meter Switch on / Switch off cover as add-on along with your Private Car Insurance Policy

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Download and Log in the Kotak METER Mobile App with the phone number registered with your Car Insurance policy

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Switch the cover off whenever your car is not on the move and collect a reward day for every 24 hours the cover is off

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Redeem them by availing cashback during policy renewal

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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

Know More

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.

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.

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Kotak Meter add-on - Frequently Asked Questions

Yes, it is mandatory to download the Mobile application. It is available on Play Store/ App Store. In case the Mobile App is not downloaded, then the status of the policy shall be considered as “SWITCH ON”/ ACTIVE and in such cases, if the vehicle is not in use for more than 24 hours then the Insured is not entitled to receive the reward day as the status will not be updated on the App.

In this scenario, the cashback (reward) days will not be counted. The Insured will have to take the responsibility to managing the status of insurance cover (On/ Off) in the Mobile App to get the benefits of the cover

In this scenario, in the event of an unfortunate accident (except for Third party claim/ damages due to Fire, AOG perils) the insurance cover will not be available as the cover was not switched on.

To avail the benefits of reward days discount in renewal policy, policy should be renewed within 45 days of expiring date of the on-going policy

Reward Days

Discount on OD premium

20 – 60

15.00%

61 – 120

25.00%

121 – above

40.00%

When the App is set to INACTIVE state, then any accidental damage to the car in that period is not covered however other covers like – Theft, Fire, Riot & Strike and AOG perils are continually covered throughout the period of the insurance cover without break. Hence your damages will be paid.

When the App is set to INACTIVE state, then any accidental damage to the car in that period is not covered however other covers like – Theft, Fire, Riot & Strike and AOG perils are continually covered throughout the period of the insurance cover without break. Hence your damages will not be paid.

The benefits of this add-on cannot be transferred to another vehicle or insurer

At the end of the policy period, in case the customer does not renew the policy, he can take a premium refund.

Reward days discount will not be offered if any claim is registered and paid in expiring policy.

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"Always by your side. Keeping you safe"