How can I locate a cashless garage?

To locate a cashless garage, call the toll-free number 1800-266-4545 and provide your area Pincode, the representative will give you the address of the nearest garage. You can also visit the company’s official website and can locate the nearest garage from there.

Can I register a claim online?

Yes, you can register a claim online by visiting the official website of Kotak General Insurance. On the website go to the ‘Claim’ tab and select the ‘Motor Insurance Claim’ option. Scroll down and you will get a ‘Register’ button to file a claim online.

How much time does it take for the reimbursement of a claim?

Post completion of all formalities, the company initiates the payment instantly. However, the payment can take a maximum of 7 days to reimburse the claim amount.

What if my towing charges exceeds Rs 1,500?

Kotak General reimburses towing charges up to Rs 1,500 if you don’t have the roadside assistance cover. Any amount exceeding that will be borne by the policyholder.

What coverage amount would I get in case of car theft?

The insurer provides the calculated Insured Declared Value (IDV) of the car deducting the depreciation and deductible in case of theft of the insured’s car.

Kotak Car Insurance Claim

CASHLESS GARAGES 4000+
CLAIMS SETTLED 98%
COMPREHENSIVE CLAIMS UNLIMITED

Key Features:

Spot Claim Upto Rs 20,000
6-Month Repair Warranty
Easy Video Claims
Zero Paper Claims

Top Kotak Mahindra Car Insurance Plans

Kotak Car Insurance

PLAN TYPE: Comprehensive

Starting From ₹ 2833

Kotak Car Insurance

PLAN TYPE: Third Party

Starting From ₹ 2094

Kotak Car Insurance

PLAN TYPE: Own Damage

Starting From ₹ 1327

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Kotak Car Insurance Claim

The claim is the right of a policyholder in the insurance policy. The policyholder can file a claim to get compensation for the damages incurred in an accident. Kotak General car insurance offers you reimbursement as well as the cashless claim settlement process. The company offers an easy and hassle-free claim settlement process along with a free towing service.

List of Documents Required During Claim Settlement

Below is the list of documents required for the car insurance claim settlement process in different events:

1. In Case of Third Party Claims

Claim form duly filled and signed
Original/Copy of car insurance policy documents
Copy of Registration Certificate (RC)
Copy of Driving License
Copy of FIR (First Information Report)

2. In Case of an Accident

Original car policy documents
Claim form duly filled and signed
Copy of Registration Certificate (RC)
Copy of Driving License
Copy of FIR (First Information Report)
Tax Receipts
Estimate of cost of repairs
Bills and receipts of repairs done

3. In Case of Theft

Claim form duly filled and signed
Original/Copy of car insurance policy documents
Copy of Registration Certificate (RC)
Copy of Driving License
Copy of FIR (First Information Report)
‘No Trace Report’ of the insured car from the police.
Duly filled and signed 26, 28, 29, 30 and 35 Forms
Original Registration Certificate (RC)
Theft declaration from Regional Transport Office
All sets of keys/Warranty Card/Service Booklets

How To Make Kotak Cashless Car Insurance Claim

Follow the below-mentioned steps to file a cashless car insurance claim:

Step 1: Inform Kotak General Insurance

Intimate Kotak General Insurance immediately after the accident/mishap by calling toll-free number 1800-266-4545 or submitting a Claim Intimation Form along with the policy details to inform the company about your claim.

Step 2: Inspection of Damaged Vehicle

Kotak General will arrange an inspection of the damaged vehicle within 24 hours (if the claim is made on working days) of filing the claim. However, if the accident is reported for the claim on Sunday or any other public holiday, the inspection will be done on the next working day.

Kotak offers a towing service within 50 km of the damaged spot. The service towing service will be entirely free of any charge if you have opted for the Roadside Assistance cover. However, it will be free of charge up to Rs 1,500 if you have not opted for the Roadside Assistance add-on at the time policy purchase.

Step 3: Submission of Documents

Submit all the relevant documents to the company as prescribed under the terms and conditions. Make sure that all the information entered in the claim form matches the ones present in the submitted documents.

Step 4: Repairs and Cashless Settlement

The damaged vehicle will be repaired at the network garage and the company will send the repair cost directly to the workshop.

Step 5: Pay Deductibles and Take Your Car

Pay your liability of compulsory deductible and voluntary deductible (if opted for) and drive your car back home.

How To Make Kotak Reimbursement Car Insurance Claim

In case, you are unable to or do not want to repair your car at a network garage, you can follow the steps to file a reimbursement claim:

Step 1: Intimate Kotak General

Inform Kotak General immediately after the accident by calling toll-free number 1800-266-4545 or submitting a Claim Intimation Form along with the policy details.

Step 2: Arrangement Of Surveyor and Towing Service

The company will send a surveyor to the accident/mishap spot for inspection of the damages incurred. Post inspection, you need to take the damaged vehicle to a garage for repairs. For this, you can request a towing service from the company, which will be reimbursable up to Rs. 1,500.

Step 3: Car Repairs and Bill Payment

Get your vehicle repaired at any nearby garage and pay the repair cost. Get all the bills and submit them to the insurer in order to get the reimbursement amount.

Step 4: Documentation

Submit all the required documents along with the claim form and bills of repairs.

Step 5: Reimbursement

Kotak General Insurance will reimburse you after factoring deductibles within 7 days of receipt of all relevant documents in accordance with terms & conditions.

Common Kotak Car Insurance Claim Rejection Reasons

A car insurance claim can be rejected because of the following reasons:

Expired policy because of non-renewal.
Wrong information entered in the claim form.
Delay in intimating Kotak General about the accident.
Driving without a driving licence and RC (Registration Certificate).
Accident happened due to careless driving or intoxication of the driver.
Vehicle repaired in the self authorisation mode i.e. without informing the insurer.

Kotak No Claim Bonus

If you own a car insurance policy, then based on your previous claim history, policyholders of Kotak General Insurance are eligible for an attractive No Claim Bonus (NCB) at the time of policy renewal. It is a reward delivered in terms of discount which increases progressively with each claim free year from 20% up to a maximum of 50%. If you do not make any claim in the preceding year or years, you are entitled to a no claim bonus on the standalone own-damage car insurance plan or own-damage (OD) component of the comprehensive car insurance policy.

In order to hold this benefit and continue to avail it, you should renew your car insurance policy within 90 days of the previous policy’s expiry date. On failing to do so, this benefit will become null and void. The NCB benefit is transferable which means you can use it to secure your new car or can transfer it to your new car insurance plan as it is offered to policyholders and not to the car. However, to keep it intact, you should renew your car insurance plan on time, you should try to bear small expenses without raising any claim or you can buy a NCB protect add-on cover.

Explore Kotak Car Insurance

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Kotak Car Insurance User Reviews

4.9

Rating based on

450 User reviews

Write your review

What users are saying

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Claim
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Comprehensive
Zero Depreciation
Third Party
Own Damage
Renewal
Cashless Garages
Price
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Customer Care
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Protecting Your Car's Worth
Zero-dep insurance is all about protecting your car's worth. InsuranceDekho’s Kotak Car Insurance Policy ensured that my investment in the policy for my Hyundai car is safeguarded to the fullest.
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V
By Vedashi Bidani
On: November 24, 2023
No Worries, No Surprises
The beauty of having own damage coverage with the Kotak Car Insurance Policy is that there are no worries and no surprises. I know that my Nissan car is protected against the unexpected, and that's invaluable.
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S
By Sanjiv Kapila
On: November 22, 2023
Seamless Policy Extension
I extended my Kotak Car Insurance Policy through InsuranceDekho, and the process was seamless. The coverage continued without interruption, providing me with continuous protection for my Skoda car.
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By Anshu Nayyar
On: November 15, 2023
Invest in Hassle-Free Renewals...
I consider my choice to invest in the renewal of the Kotak Car Insurance Policy through InsuranceDekho as an investment in hassle-free, continuous coverage. They make sure that I drive my Honda car with confidence, knowing my car is protected.
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M
By Mamta Rajender
On: October 30, 2023
Tailored to My Needs
InsuranceDekho's premium calculator doesn't offer a one-size-fits-all solution. It tailors premiums to match my specific needs to the Kotak Car Insurance Policy that I bought from the online portal, ensuring I get the coverage I want at a fair price for my MG car.
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S
By Saisha Manchanda
On: October 17, 2023
Prompt Claim Settlement under ...
InsuranceDekho ensures prompt claim settlement for third-party coverage for the Kotak Car Insurance Policy, helping policyholders like me to get back on the road quickly after an accident of my Nissan car.
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By Gunjan Reddy
On: October 11, 2023
Own Damage Protection for My C...
InsuranceDekho's own damage coverage with the Kotak Car Insurance Policy provides comprehensive protection for my Toyota car. It covers everything I need.
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K
By Krishna Kumari
On: September 29, 2023
Essential Coverage for Respons...
InsuranceDekho's third-party coverage which is an added benefit of the Kotak Car Insurance Policy is essential for my Maruti car. It ensures you're financially responsible on the road.
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J
By Jai Bhatia
On: September 20, 2023
All-In-One Protection with Com...
With InsuranceDekho's comprehensive policy, I get all-in-one protection under the Kotak Car Insurance Policy for my BMW car. It's the ideal solution for complete peace of mind.
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By Sandeep Singh
On: September 14, 2023
Time-Saving Convenience
Renewing my Kotak Car Insurance Policy for my Ford car through InsuranceDekho is a time-saving convenience. I no longer have to navigate complex paperwork; it's all done online with a few clicks.
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J
By Jyotsna Rana
On: September 12, 2023
Budget-Friendly Premiums
I found InsuranceDekho's third-party car insurance to have budget-friendly premiums. The Kotak Car Insurance Policy an ideal choice for my Tata car for cost-conscious car owners.
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V
By Vineeta Jain
On: September 8, 2023
Confidence in Decision-Making
The transparency and accuracy of the Premium Calculator instilled confidence in my decision-making to buy the Kotak Car Insurance Policy to insure my Mercedes-Benz. I know I'm choosing the right policy for my car without any doubts or uncertainties.
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D
By Dheeraj Joshi
On: September 6, 2023
Zero Depriciation, No Compromi...
I appreciate how InsuranceDekho's Zero Depreciation Policy provides comprehensive coverage without compromises. The Kotak Car Insurance Policy truly considers the best interests of my Hyundai car.
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S
By Shyamali Chalam
On: September 4, 2023
Prompt Assistance during Emerg...
During a roadside emergency, InsuranceDekho's comprehensive coverage provides prompt assistance. The Kotak Car Insurance Policy ensured my Ford car was back on the road quickly.
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R
By Raavi Seth
On: August 25, 2023
Efficient Renewal Follow-Ups
InsuranceDekho's team followed up with me at every step of the renewal process for my Kotak Car Insurance Policy for my Nissan car, ensuring I didn't face any difficulties. Their efficiency is commendable.
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A
By Arjun Bhaskar
On: August 23, 2023
Transparent Policy Terms
InsuranceDekho's own damage Kotak Car Insurance Policy had transparent policy terms, with no hidden clauses or surprises. I knew exactly what was covered for my Nissan car, making it easier to manage any future claims.
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J
By Jay Prakash
On: August 10, 2023
Renewed Policy Documents Insta...
I was pleased to receive the renewed policy documents for my Kotak Car Insurance Policy from InsuranceDekho almost instantly after completing the renewal process. It saved me from any last-minute worries about my Mercedes-Benz coverage.
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S
By Sapna Tandon
On: August 8, 2023
Professional and Skilled Mecha...
I trust InsuranceDekho's cashless garages because they have skilled mechanics who know what they are doing. As I was insured with the Kotak Car Insurance Policy, my Skoda car was handled with care, and the results were excellent.
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By Abhishek Anand
On: July 31, 2023
Transparent and Fair Claim Set...
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InsuranceDekho's comprehensive policy offered a hassle-free experience. From purchasing the Kotak Car Insurance Policy for my Mitsubishi car to making claims, everything was smooth and convenient.
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On: July 21, 2023
Flexibility in Policy Period
InsuranceDekho's third-party policy offered flexibility in the Kotak Car Insurance Policy period. I could choose the duration that suited my needs, ensuring continuous coverage for my Maruti car.
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By Neel Sen
On: July 19, 2023
Great for Exploring Different ...
InsuranceDekho's premium calculator is a great tool for exploring different coverage scenarios. I can adjust deductibles, add-ons, and other parameters to see how they impact the premium. It helps me make informed decisions about my coverage for the Kotak Car Insurance Policy for my Renault.
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D
By Diyati Nagpal
On: July 17, 2023
Smooth and Effortless Renewal
InsuranceDekho made the renewal process of my Kotak Car Insurance Policy smooth and effortless. It saved me a lot of time and hassle. Glad to have renewed the policy from them for my MG car.
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By Hargun Chabra
On: July 13, 2023
Expert Assistance throughout t...
I received expert assistance from InsuranceDekho throughout the claims process of the Kotak Car Insurance Policy for my Toyota car. Their knowledgeable team guided me through the documentation requirements, providing the necessary support and advice.
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By Karan Dangi
On: July 11, 2023
Quick and Efficient Third Part...
When I had an incident involving a third party, InsuranceDekho promptly settled the claim. I was so relieved to have secured my Skoda car the Kotak Car Insurance Policy. Their efficient claims settlement process ensured that the injured party received the necessary support and compensation.
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By Monali Bendre
On: July 7, 2023
Flexibility to Customize Cover...
What I appreciate about my Kotak Car Insurance Policy's comprehensive coverage is the flexibility it provides to customize the coverage options. InsuranceDekho offers various add-ons and riders that allow me to tailor the policy to my specific needs. I have the freedom to enhance the coverage for my Ford car based on my requirements. This flexibility is a significant advantage of comprehensive coverage.
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On: July 5, 2023
Own Damage Car Insurance Provi...
From minor scratches to major accidents, my Own Damage Kotak Car Insurance Policy from InsuranceDekho has been my safety net. Knowing that I am financially protected against any damage to my Chevrolet gives me peace of mind on every journey. This policy's comprehensive coverage ensures that I can drive confidently, focusing on the joy of the ride.
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On: June 29, 2023
The premium calculator saves a...
The premium calculator option at InsuranceDekho saved me a lot of time. I didn't have to call different insurance companies and get quotes. I was able to get all the information I needed from the calculator. And because of this I immediately took the decision of buying the Kotak Car Insurance Policy for my Mercedes-Benz. I would definitely recommend using this calculator for anyone who is shopping for car insurance.
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By Mankia Jain
On: June 27, 2023
Customer-Centric Approach
Throughout the claim settlement process for my Kotak Car Insurance Policy for my Skoda car, InsuranceDekho demonstrated a customer-centric approach. They prioritized my satisfaction and ensured a satisfactory resolution. Their willingness to go the extra mile to assist and support me during a challenging time was highly appreciated.
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By Aarav Chathopadhay
On: June 23, 2023
Responsive and Professional Cu...
Throughout my experience with InsuranceDekho, their customer service was exemplary. Whenever I had questions or needed assistance with the Kotak Car Insurance Policy for my Skoda car, their representatives were responsive and professional. They provided clear and detailed explanations regarding policy terms, coverage limitations, and claim procedures.
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By Vridhi Chaudhary
On: June 21, 2023

Kotak Reviews

209 Kotak Cashless Garages in India

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Kotak Cashless Garages

Kotak Car Insurance Claim FAQs

How can I locate a cashless garage?
To locate a cashless garage, call the toll-free number 1800-266-4545 and provide your area Pincode, the representative will give you the address of the nearest garage. You can also visit the company’s official website and can locate the nearest garage from there.
Can I register a claim online?
Yes, you can register a claim online by visiting the official website of Kotak General Insurance. On the website go to the ‘Claim’ tab and select the ‘Motor Insurance Claim’ option. Scroll down and you will get a ‘Register’ button to file a claim online.
How much time does it take for the reimbursement of a claim?
Post completion of all formalities, the company initiates the payment instantly. However, the payment can take a maximum of 7 days to reimburse the claim amount.
What if my towing charges exceeds Rs 1,500?
Kotak General reimburses towing charges up to Rs 1,500 if you don’t have the roadside assistance cover. Any amount exceeding that will be borne by the policyholder.
What coverage amount would I get in case of car theft?
The insurer provides the calculated Insured Declared Value (IDV) of the car deducting the depreciation and deductible in case of theft of the insured’s car.

FAQ

Why to buy from InsuranceDekho?

Instant policy ^# within 5 mins
More than 45 Lac happy customers
Claim Support available all 7 days of the week

Kotak Car Insurance Contact Details

For any assistance or query, call us on:

InsuranceDekho
7551196989Mon to Sun 10 AM to 7 PM
support@girnarinsurance.com
Kotak Contact Details
1800-266-4545Toll-Free
care@kotak.com

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