Kotak Car Insurance Policy Download

With a claim settlement ratio of 82.81% [1], Zurich Kotak General Insurance Company, India (formerly known as Kotak Mahindra General Insurance) [2] is one of the well known general insurance companies in India. Kotak offers a wide range of general insurance products like health, motor, fire, etc and is one of the fastest growing non-life insurance companies in India. In the private motor insurance segment, Zurich Kotak offers bike, and car insurance. After reading the content of this page you will learn in detail about Kotak’s policy document, its importance, process of downloading this document, how to make changes to your Kotak policy document and answers to some frequently asked questions.

What is A Car Insurance Policy Document?

A car insurance policy document is a legal document that serves as a proof of your policy with an insurer. It has the details related to your policy type, the premium you have paid for your policy, inclusions and exclusions under your policy, policy expiry date and details pertaining to your car like make, model, engine and chassis number, etc.

Importance of The Policy Document Of Zurich Kotak

Your Zurich Kotak car insurance policy document is an extremely important document to keep handy at all times. Mentioned below are some of the key reasons why:

• Proof of Coverage: Your policy document serves as a proof of coverage which helps you and your insurer to get closures on your claims efficiently. It basically acts as evidence that there is a legal commitment that your insurer has made with you.
• Protects Against Any Fraudulent Activities: Your policy document serves as a shield against any fraudulent activity as it clearly lists down all terms and conditions of your policy in this document. In case you receive any call claiming to be from your insurer, you can always refer to the terms and conditions to check if this is a fraudulent call or not. You should also immediately inform your insurer of the same.
• Lists The Details of Benefits: Your policy document is a document where all your policy related benefits, inclusions and exclusions within your policy is mentioned.
• Source of Dispute Resolution: In case there’s a situation that you and your insurer get into any kind of conflict or dispute, this document serves as contract for dispute resolution as each and every detail related to your insurance policy is mentioned here.
• Serves As An Educational Material: Your Zurich Kotak car insurance policy document also serves as an educational tool since it has all the major policy related jargons and their definitions listed.
• Helps With Traffic Police Checking: At times, you may be stopped for regular hygiene checks by traffic police officers on the road. If you have your car insurance (in this case the mandatory third party insurance or a comprehensive car insurance), you will not have any consequences to face. Note that a PUC is also equally important when on the road.

Important Details Mentioned in The Kotak Policy Document

Here’s all the major details that are mentioned in your Zurich Kotak policy document:

• Policy Number: Your policy number is the unique number given to you by your insurer which helps in identifying which plan you have bought, what are your inclusions and exclusions, etc.
• Policy Start and End Date: Your policy start and expiry date are both mentioned in your policy document. Note that your policy expiry date is the same as your policy renewal.
• Vehicle Details: Your car’s important details that are required to identify your vehicle are also mentioned in your policy document like your car’s make, model, vehicle type, engine, chassis number, etc.
• Insurance Type: Whether your insurance is stand-alone, third-party or comprehensive car insurance, it is all mentioned in your car insurance policy document.
• Add Ons: The total number of add ons you have selected along with your car insurance policy is also listed in your policy document.
• Premium Amount: Your car insurance premium amount paid is also mentioned in the policy document.
• Coverage Amount: The total coverage amount for which your vehicle is insured within your plan is also mentioned in your policy document.
• Inclusions: All the details like personal accident cover, driver cover, repair, etc for which your policy covers your car is mentioned as inclusions in your policy document,
• Exclusions: All the details like driving without a licence, or valid licence, driving in the influence of alcohol or drug etc which are not covered within your policy are also mentioned as exclusions in your policy document.
• Claim Process: Details on your car insurance claim process are also mentioned in this document.
• Terms and Conditions: The overall policy terms and conditions are mentioned in your policy document.
• Contact Details of The Insurer: Details with proper phone number, email IDs and address of the insurer is also mentioned in the policy document.

How to Download Kotak Car Insurance Policy Document From InsuranceDekho?

There are two ways in which you can download your Zurich Kotak car insurance policy document through InsuranceDekho - online and offline. The details of both these methods are mentioned below:

Online Process To Download Policy Document From InsuranceDekho

Follow the steps mentioned below to download Zurich Kotak policy document online through InsuranceDekho:

Step 1: Visit the InsuranceDekho website or the homepage for car insurance

Step 2: Click on the login button you see on the top right

Step 3: Now enter your mobile number on the pop up and verify through OTP

Step 4: You will now be in your InsuranceDekho dashboard where all the policies you have bought with us will be listed. Click on Kotak’s car policy.

Step 5: Download your policy document by clicking on “download policy document as PDF”

Step 6: Now you can save this document as a PDF in your phone, laptop, tablet or the device from which you logged in.

Offline Process To Download Kotak Car Policy Download From InsuranceDekho

In order to download your policy document offline, simply call us on +91-7551196989 or email us on support@insurancedekho.com and our team will either send you an email or whatsapp message with your policy document. The mode of delivery will depend on what you choose.

How Can I Check My Kotak Car Insurance Policy Status?

To check your Kotak policy status, follow similar steps as above to enter your dashboard. Once your dashboard opens, please click on the policy and it will show you the status of your policy. You can alternatively connect with an InsuranceDekho or Kotal relationship manager.

How To Get A Hard Copy of the Kotak Car Insurance Policy Document?

A policy document was required to be downloaded and mandatory to carry with you in your car a few years ago. However, with the advent of technology, this is no more true. If you have a soft copy of your policy document downloaded or saved in your device (mobile, tablet, laptop, etc) it is fine. In order to get a hard copy of your Zurich Kotak car insurance, you can email your insurer, call them on their customer care number or make a print out of your soft copy.

How Can I Make Changes to My Kotak Car Insurance Policy Document?

It is important that you review the details mentioned in your policy document before sending the papers or finalising your payment. However, if due to any reason you need to make changes to your policy, you can connect with your insurer or an InsuranceDekho advisor to help you with the same. There can be several reasons for making changes to your Kotak Car Insurance Policy. Some of the top reasons are mentioned below along with what you must do to seek assistance with them:

• Rectification of Name: One of the most common reasons for making changes in your policy is the incorrect name mentioned in your policy document. This error could be minor for example one alphabet error or major like complete name or surname being incorrect.
• Car Details Errors: Since your policy document has major car details like your car’s make, model, variant, colour, engine and chassis number, if there are errors in the detailing of these items in your policy document, you must get it corrected. This is because these details are important and get verified in case of making a claim.
• Address Updates or Rectification: In case you have moved to new place and need to get your address updated or if there’s any error in your policy document pertaining to your address, you must get this rectified.
• Change in Contact Details: In case your email or phone number has changed you must get those updated to make sure there are no hiccups faced by you while making a claim.

In order to make any of the above mentioned changes, you can connect with us at InsuranceDekho on +91-7551196989 or email us the details of changes along with the updated or correct details on support@insurancedekho.com. You can also connect with Kotak’s customer care on this link https://www.zurichkotak.com/customer-support

Official Website of Zurich Kotak

You can visit https://www.zurichkotak.com/ to check out the details of your car insurance policy on Kotak’s official website.

In the past, having a hard copy of a policy document was essential. However, with the advancement of technology and digitalisation, possession of a hard copy is no longer necessary. A softcopy of the policy document fulfils the same purpose.

If you prefer to have a hard copy of your car insurance policy, you can inform the sales executive at the time of purchase. They will then send it to your residential address within 7-10 days of purchase.

In case you want a hardcopy of policy documents of active insurance, then follow the given steps:

• Contact customer support on the toll-free number 1800 266 4545 and request the executive to register a request for a hard copy of policy documents.

• Write an e-mail to care@kotak.com requesting to send a hard copy of policy documents. Mention the address where you would want the document to be delivered.

• Visit the Kotak branch office located in your city and ask them to send a hard copy to your address.

• If an urgent need for a hard copy emerges, you can simply print your softcopy to get a hard copy.

How Can I Make Changes to My Kotak Car Insurance Policy Document?

To change details in your document or to make endorsements like changing your name, address, nominee, gender, or address, follow the given steps:[3]

1. Contact Kotak customer support through the toll-free number 1800 266 4545 or write to them at care@kotak.com. Tell them the changes you want to make and they will guide you through the process and will provide a checklist of required documents to make the changes.
2. Further, you will be asked to either write a formal email or a formal letter requesting changes along with the required supporting documents.
3. Once the letter along with documents is submitted, the company will verify it.
4. After the approval, since the premium gets affected by endorsements, Kotak will calculate the new premium.
5. After the process is completed, you will be issued an endorsement certificate. This is proof that changes were made to your old policy forming a legal connection between your old and new policy document.
6. A new policy document will be issued.

It's essential to keep in mind that there are certain situations where you won’t be able to make changes to your policy documents, due to the following reasons:

• If you own a policy that is currently active, you might have to wait until the renewal period to make the desired changes.

• Insurers usually have a deadline by which they can accommodate changes. If you request changes after it, you would probably have to wait till the renewal period.

• Some changes may not be allowed under the guidelines set by the company.

• If you are requesting to make significant changes to your policy, they would require a review and approval of higher authorities within the insurance company.

• If you don't have the appropriate documents, the insurer may not be able to make changes to your policy.

• If you have dues to be cleared which might be part of the premium, the insurer might ask you to clear them before accepting your endorsement request.