Kotak Car Insurance

• Coverage For Damages: Kotak Car Secure offers coverage for partial or complete damages to your car resulting from natural calamities such as earthquakes, fires, explosions, self-ignitions or lightning, floods, typhoons, frosts, rockslides, hurricanes, storms, tempests, inundations, cyclones, hailstorms, landslides, and man-made calamities such as burglaries, strikes, thefts, riots, accidental external means, malicious act, terrorist activity, or damage in transit via road, rail, inland waterway, lift elevator, or air.
• Personal Accident Coverage: Kotak Car Secure provides Personal Accident coverage in case of injury caused while driving, mounting into or dismounting from the insured vehicle, or while travelling as a co-driver. This protection extends to other passengers in the car, provided the number of passengers does not exceed the carrying capacity of the car, excluding the driver.
• Third-party Legal Liability: Kotak Car Secure offers coverage for any damage caused to third-party property and bodily injury (including death) resulting from an accident involving the insured vehicle to ensure the safety of all parties involved.
• Comprehensive Coverage: Kotak Car Secure provides comprehensive coverage that includes damage to both the insured vehicle and third-party property. This coverage extends to all electrical and non-electrical accessories, as well as the bi-fuel systems of the vehicle. Additional protection can be obtained by purchasing add-on coverage at an extra premium.
• Enhanced Protection: You can enhance your policy by selecting from a range of add-ons available for an additional premium, providing greater protection for your vehicle with Kotak Car Secure.

It is important to learn of the exclusions to ensure that you make the most of your car insurance policy. Knowing what is not covered can help you make informed decisions when purchasing insurance. Here is a list of the exclusions that apply to our car insurance policy:

• Damage or loss to the vehicle or accessory or accessories caused by normal wear and tear, ageing, or depreciation (unless covered separately by add-ons)
• Usage of the vehicle beyond the limitations as specified in the policy
• Electrical or mechanical breakdown

• Contractual liabilities
• Damage or loss caused by a person driving the car under the influence of alcohol or drugs
• Damage or loss caused by a person driving the vehicle without a valid license
• Damage or loss caused by nuclear risk or war

You can get comprehensive protection for your valuable vehicle through Kotak Car Insurance online in just a few simple steps. We understand that your time is precious, which is why we have streamlined the process for buying or renewing car insurance.

• Step 1: Go to the Kotak Car Insurance Page and click on the “Get a Quote” button.
• Step 2: Enter your car details, such as the registration number, model, make, and other relevant information.
• Step 3: Provide your personal details and make the payment online.

When filing a car insurance claim, you’ll need to provide certain documents to support your case. These include:

• A copy of your vehicle’s Registration Certificate (RC)
• A copy of your insurance policy
• Your valid ID proof as the policyholder
• The driving license of the person who was driving the vehicle at the time of the incident

• A photocopy of the First Information Report (FIR), if the claim is related to theft or third-party liability
• A completed claim form
• Additional requirements may be requested based on the results of the inspection.

Cashless Claim Process 

• Step 1: Call us at 1 800 266 4545 (8 am to 8 pm) to report your claim and provide details of your policy.
• Step 2: Upon registering your claim, our customer support executive will assign you a Claim Reference Number.
• Step 3: Submit the required documents, such as your Driving License, RC Copy, and Policy FIR Copy, as per the policy’s terms and conditions.
• Step 4: We will arrange an inspection within 24 hours if the claim is reported on a working day or the next working day if it is reported on a Sunday or a public holiday.
• Step 5: If the cashless facility is approved, your vehicle can be repaired at a preferred network garage, and payment will be made directly to the garage.

• Step 6: Pay only the deductible as specified in the insurance policy, and the depreciation value, salvage, and more, as informed by the surveyor.

Reimbursement Process 

• Step 1: Call us at 1 800 266 4545 (8 am to 8 pm) to report your claim and provide details of your policy.
• Step 2: Upon registering your claim, our customer support executive will assign you a Claim Reference Number.
• Step 3: Submit the required documents, such as your Driving License, RC Copy, and Policy FIR Copy, as per the policy’s terms and conditions.

• Step 4: We will arrange an inspection within 24 hours if the claim is reported on a working day or the next working day if it is reported on a Sunday or a public holiday.
• Step 5: The insurer will then repair the vehicle, followed by payment for the same.
• Step 6: Submit all bills, and payment receipts, along with your policy details to us, and we will make the payment within seven working days of completing the documentation.

1. No Claim Bonus (NCB):

You may be eligible for an attractive No Claim Bonus (NCB) based on your previous claim history. The NCB amount increases progressively with each claim-free year, up to a maximum of 50%. If you have not made any claims in the preceding year or years, you can get an NCB on the Own Damage (OD) section of the policy according to the following table, applicable only for one-year policies:

Please note that you will be eligible for the NCB only if you renew the insurance policy within 90 days of the previous policy’s expiry date.

2. Comprehensive Car Insurance Policy: 

A comprehensive car insurance policy pays for third-party penalties that may arise due to an accident, provides compensation for the damages sustained by the insured vehicle, and offers personal accident coverage to policyholders. You can also customize and enhance the coverage by opting for several add-ons or riders.