What is Road Side Assistance?

Road Side Assistance is an add-on cover that helps you to request necessary help in case you are stranded on a road or any remote location because of the reasons such as Fuel Shortage, Towing Assistance in Case of an Accident or Breakdown, Tyre Puncture, Minor Damage, and Key Lost.

What is the maximum claim amount that I can get in my Kotak comprehensive car insurance policy?

The maximum claim amount equals to the sum insured under the policy. It is offered in case of the constructive total loss of the insured vehicle. The total sum insured depends on the Insured Declared Value (IDV) of your vehicle.

What is not covered under the Kotak comprehensive car insurance policy?

The situations which are not covered under the Kotak comprehensive car insurance policy include Wear and tear and depreciation of the insured vehicle, Mechanical or electrical breakdown unless not opted for Engine Cover, Contractual liability, Vehicle’s consumables such as grease, lubricant, etc., Personal belongings, and Bodily injury/death of the policyholder and co-passengers unless opted for the personal accident cover.

No Claim Bonus or NCB is a discount on premiums for claim-free years offered by all insurers for car insurance policies. The discount can be availed up to 50% on the premiums.

How can I buy a Kotak comprehensive car insurance policy?

You can purchase Kotak comprehensive car insurance policy in the following ways: Through its official website By calling on its toll-free number 1800-266-4545 By visiting the nearest branch.

Kotak Comprehensive Car Insurance Policy

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

Calculate Your Car Insurance Price Online

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Ahmedabad
Bangalore
Chandigarh
Chennai

City

When did you buy your car?

Year

Disclaimer: Actual Premium might vary basis your location, age and number of members

Kotak Comprehensive Car Insurance

Kotak General offers a comprehensive car insurance as Kotak Car Secure. This policy offers extensive coverage. It assures all-round safety for you and your car and saves you from paying hefty expenses after an accident. The policy cover includes protection for damages incurred on the insured vehicle, which can happen in an accident, calamities and because of a number of reasons. It also indemnifies for the third party loses such injury/death of a person travelling in a car or on the road and cover of up to Rs 7.5 lakh to compensate third party property damages. Moreover, you can also opt for a personal accident cover for you as well as for the co-passengers. Given the damaged roads and traffic indiscipline, a comprehensive plan becomes a must for every car owner.

Kotak Comprehensive Car Insurance Vs Third Party Car Insurance

Basis	Comprehensive Policy	Third Party Cover
Extent of coverage	Comprehensive plan offers an extensive policy, which covers damage/theft of the insured vehicle, injury of the policyholder and third party liabilities as well (up to Rs 7.5 lakh in case of third party property damages).	It only covers injury/death of a third party and third party property damages of up to Rs 7.5 lakh.
Availability of Add-ons	All add-on covers such as roadside assistance, depreciation cover, return to invoice, etc. are available with the Kotak comprehensive policy.	No add-on covers are available for purchase with the third party liability cover.
Cost	It is expensive owing to the wider cover plan.	It is relatively cheap because of its limited coverage.

What All Is Covered Under Kotak Comprehensive Car Insurance Plan?

Kotak comprehensive car insurance provides coverage for the following aspects:

Theft of the insured vehicle.
Policy cover of Rs 7.5 lakh for third party property damage.
Injury/death of a third party walking on a road or travelling in another vehicle.
Damages incurred to the insured vehicle in an accident occurred on the road.
Damages incurred to the insured vehicle by a natural or man-made calamity.

What All Is Not Covered Under Kotak Comprehensive Car Insurance?

Kotak comprehensive car insurance policy does not provide coverage for the following:

Normal wear and tear
In case of willful negligence
Mechanical or electrical breakdown
Damage caused due to contractual liability
In case of absence of a valid licence while driving
Driving under the influence of alcohol or intoxicating drugs.
For any damage incurred during war, nuclear risk, mutiny rebellion, etc.

Benefits of Kotak Comprehensive Car Insurance

Kotak comprehensive car insurance provides several benefits to the policyholders which are as follow:

Online premium payment and policy renewal method.
Unlimited liability for compensation for injury/death of a third party.
Availability of a range of add-on covers including Return to Invoice add-on.
No Claim Bonus discount of up to 50% on premiums at the time of renewal.
Hassle-free cashless servicing at over 1,300 garages spread across the country.
Damage cover for a third party property (up to Rs 7.5 lakh) and for your car equivalent to its IDV.
Availability of optional personal accident cover for the policyholder as well as the co-passengers.

Explore Kotak Car Insurance

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Kotak Car Insurance User Reviews

4.9

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450 User reviews

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What users are saying

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Comprehensive
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Zero Depreciation
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Cashless Garages
Price
Premium
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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...
InsuranceDekho handled my claim for the Kotak Car Insurance Policy professionally and transparently. They kept me informed at every step and settled my claim fairly for my Mercedes-Benz. I appreciate their honesty and commitment to their customers.
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By Niti Tyagi
On: July 25, 2023
Hassle-Free Comprehensive Cove...
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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By Meher Dua
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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K
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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By Gaima Dhuni
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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By Mocia Dabraal
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

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Kotak Comprehensive Car Insurance FAQs

What is Road Side Assistance?
Road Side Assistance is an add-on cover that helps you to request necessary help in case you are stranded on a road or any remote location because of the reasons such as Fuel Shortage, Towing Assistance in Case of an Accident or Breakdown, Tyre Puncture, Minor Damage, and Key Lost.
What is the maximum claim amount that I can get in my Kotak comprehensive car insurance policy?
The maximum claim amount equals to the sum insured under the policy. It is offered in case of the constructive total loss of the insured vehicle. The total sum insured depends on the Insured Declared Value (IDV) of your vehicle.
What is not covered under the Kotak comprehensive car insurance policy?
The situations which are not covered under the Kotak comprehensive car insurance policy include Wear and tear and depreciation of the insured vehicle, Mechanical or electrical breakdown unless not opted for Engine Cover, Contractual liability, Vehicle’s consumables such as grease, lubricant, etc., Personal belongings, and Bodily injury/death of the policyholder and co-passengers unless opted for the personal accident cover.
What is NCB?
No Claim Bonus or NCB is a discount on premiums for claim-free years offered by all insurers for car insurance policies. The discount can be availed up to 50% on the premiums.
How can I buy a Kotak comprehensive car insurance policy?
You can purchase Kotak comprehensive car insurance policy in the following ways:

Through its official website

By calling on its toll-free number 1800-266-4545

By visiting the nearest branch.

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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