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Zurich Kotak General Insurance brings you car insurance plans that are flexible, affordable, and reliable. These plans can provide financial coverage for your car against accidents, theft, fire, natural disasters, and third-party liabilities. You also get the option to customise your plan with add-on options to fit your specific driving needs.
With quick claim support and expert guidance, Zurich Kotak helps protect both your car and your finances from unexpected troubles. You can get a plan on Bajaj Markets at affordable premiums starting from ₹2,094 per year. Explore its features, benefits, and available add-ons below.
On Bajaj Markets, you can compare different policies to financially protect your car from unwarranted damages. The following are the Zurich Kotak Car Insurance Plans you can opt for:
Insurer |
Claim Settlement Ratio |
Starting Premium |
|---|---|---|
Zurich Kotak Car Insurance |
96.76% |
₹2,094 |
Disclaimer: The premium rates provided above are only indicative and may vary subject to changes in the insurer’s policies and other factors. Kindly reach out to the insurer and verify the prevailing premium rates before buying your car insurance policy online.
Buy Zurich Kotak Car Insurance Online - Quick & Easy Process
Policy Name |
What’s Covered |
|---|---|
Third-party Insurance |
This is the basic car insurance required by law under the Motor Vehicles Act, 1988. It covers legal liabilities if your car causes damage to another person’s vehicle, property, or leads to injury or death. |
Own Damage Cover |
This plan protects your car from damage due to accidents, theft, natural disasters, and fire. An own damage cover helps reduce your out-of-pocket costs after a mishap or loss with your car. |
Comprehensive Insurance |
Such a policy combines both third-party and own damage covers into a single policy. It offers full protection against personal loss and third-party claims. This cover can be suitable for those looking for wide coverage and peace of mind, all under one policy. |
You can opt for a policy of your choice on Bajaj Markets from the comfort of your home. Follow these simple steps to get the Zurich Kotak Car Insurance plan online:
Step 1: Navigate to the ‘Car Insurance Premium Calculator’ page
Step 2: Enter the information about your vehicle’s make, model, registration number, etc.
Step 3: Provide your personal details as asked
Step 4: Get a quote for your Zurich Kotak Car Insurance premium
Step 5: Choose a plan as per your specific requirements
Step 6: Select car insurance add-on covers to enhance your vehicle’s coverage
Step 7: Submit the required documents online as per the insurer’s instructions
Step 8: Pay the applicable premium for your car insurance plan as shown
You will soon receive the Zurich Kotak Car Insurance policy document on your registered mobile number and/or email address.
Here are some highlight characteristics of Zurich Kotak Car Insurance plans that are designed to provide you and your car with comprehensive protection:
Cashless claims at network garages
Discounts on Zurich Kotak Car Insurance price
Comprehensive coverage
Added covers to widen your coverage
No Claim Bonus (NCB) protection to reduce premiums
Selecting the perfect policy is essential to safeguard your vehicle and finances. Zurich Kotak Car Insurance provides the following benefits to cater to your specific needs:
Enjoy access to 4,600+ network garages across India, where repairs are paid directly by Zurich Kotak. This cashless claim facility can help you save time and avoid upfront payments.
Choose from add-ons like engine protection, zero depreciation, and roadside assistance. You can affordably tailor your Zurich Kotak Car Insurance policy as per your specific needs.
Get 24/7 support for emergencies like flat tyres, towing, or fuel delivery. With Zurich Kotak’s roadside assistance, help arrives quickly, ensuring you never feel stranded.
With a 98.13% settlement ratio and quick online claim intimation, Zurich Kotak simplifies the entire process. They aim to settle claims with minimal delays after receiving all documents.
Earn up to a 50% No Claim Bonus for every consecutive claim-free year. This discount is automatically applied to your renewal price, making coverage more affordable over time.
Choose a higher voluntary deductibles or benefit from safety-device discounts for more affordability. These options can help keep your Zurich Kotak car insurance price within a budget.
Covers the cost of towing your car to the nearest garage after an accident, subject to policy terms and limits.
Get an additional discount on premiums if you are an active member of a recognised Automobile Association of India (AAI).
Understanding what your car insurance includes—and excludes—helps you make informed decisions and ensure that you have adequate protection. Here's a clear breakdown of key inclusions and exclusions under Zurich Kotak Car Insurance plans:
Inclusions |
Exclusions |
|---|---|
Covers physical damage to your car from accidents, fire, or other insured risks. |
Claims arising out of contractual liabilities are excluded. |
Provides full cover if your vehicle is stolen or permanently lost due to burglary or theft. |
Damages or losses that occur outside India are not included. |
Offers financial protection for losses caused by natural disasters like floods, earthquakes, or storms. |
Losses from wear, tear, or standard depreciation are excluded from cover. |
Covers damages resulting from riots, strikes, terrorist acts, or other malicious human events. |
Damages from mechanical or electrical breakdowns are not covered. |
Protects you against third-party liabilities, including injury or damage to another person’s property. |
Claims made if the driver was under the influence of alcohol or drugs at the time of the incident are not allowed. |
Offers personal accident cover for the owner-driver, paid driver, and occupants in case of death or permanent total disability due to an accident. |
Any damage caused due to war, invasion, or nuclear events is not covered. |
The premium you pay for Zurich Kotak Car Insurance depends on several important factors. Understanding these can help you manage and optimise your Zurich Kotak Car Insurance price:
Opting for comprehensive coverage typically results in a higher premium compared to third-party insurance. These plans tend to cost more as they cover your vehicle’s damage as well as third-party liability.
Longer policy terms often come with lower premiums compared to shorter durations. Moreover, a multi-year policy may give you cost savings over yearly renewals.
The make, model, and Insured Declared Value (IDV) of your car strongly affect the premium. High-end vehicles with higher Insured Declared Values (IDV) generally have higher insurance costs.
Newer car models tend to have higher premiums due to their higher IDV. On the other hand, older vehicles tend to have lower premiums due to depreciation.
Your vehicle's registration location plays a crucial role. Vehicles in high-traffic areas and cities with higher accident rates or theft risks may have increased insurance premiums.
A clean driving record without claims earns you a No Claim Bonus (NCB), which reduces your premium on renewal.
Optional add-ons like engine protection or zero depreciation can enhance coverage but also raise the premium cost.
Making sense of the cost of your policy is an important point of consideration when comparing different policies. Check out how you can get the premium price for Zurich Kotak Car Insurance:
Go to the car insurance premium calculator page on Bajaj Markets
Enter your car’s registration number, your mobile number, and PIN code
Click on the ‘Get Quote’ button to get an estimate of the premium price
This quick process lets you compare plans and choose the one that fits your budget.
Zurich Kotak Car Insurance offers several optional add-ons to their policies for better coverage. These can help you deal with real-world issues that may not be covered in a basic plan. Here’s what you can include in your policy:
24x7 Roadside Assistance: Help when your car breaks down, anywhere and anytime.
Consumables Cover: Covers small items like engine oil, brake fluid, nuts and bolts.
Depreciation Cover: Lets you claim the full value of replaced parts without any deduction.
Engine Protect: Shields your car’s engine against water damage and other non-accidental issues.
Loss of Personal Belongings: Covers personal items lost from the insured car due to theft.
Key Replacement: Pays for replacing lost or stolen car keys and reprogramming the lock.
No Claim Bonus (NCB) Protect: Keeps your NCB intact even if you raise a claim.
Return to Invoice: Helps recover the full invoice value of your car in case of total loss or theft.
Tyre Cover: Covers damage to tyres and tubes due to cuts, bursts, or accidents.
Daily Car Allowance: Offers a daily travel allowance if your insured car is being repaired.
Each add-on can enhance your policy’s value and give extra peace of mind while on the road. For other available add-ons or further clarification, please get in touch with Zurich Kotak's authorised representatives.
The claim settlement ratio of the Zurich Kotak Car Insurance policy is approximately 96.76%.
Yes, you can opt for the No Claim Bonus (NCB) Protect add-on to get protection against your claims and enjoy a discount on premiums upon policy renewal.
This policy provides your car with extensive coverage and safeguards your financial well-being. You can enjoy all these features with low premium costs.
Yes, this policy provides a towing facility in case of untimely breakdowns or accidents.
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