A sudden accident, theft, or natural disaster can leave you stranded and financially burdened. Zurich Kotak Car Insurance offers comprehensive coverage to protect you from such unforeseen circumstances.


It comes with robust insurance plans, cashless claims, and 24/7 assistance. With these benefits, you can drive with peace of mind, knowing your car is protected from damages incurred due to accidents or calamities. Get a plan on Bajaj Markets at affordable premiums starting from ₹2,094 per year.

Zurich Kotak Car Insurance Plans Available on Bajaj Markets

On Bajaj Markets, you can compare different policies to 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

98%

₹2,094

Disclaimer: The premium rates provided above are only indicative and may vary subject to changes in the insurer’s policies.

Types of Zurich Kotak Car Insurance

This insurer provides a comprehensive range of policies to protect your car and financial well-being. The following are the types of Zurich Kotak Car Insurance plans you can get-

Policy Name

What’s Covered

Third-party Insurance

It covers any damages or injuries caused by your vehicle to a third party

Own Damage Cover

This policy protects your car against damages caused by accidents, theft, fire, natural disasters, and other unforeseen events

Comprehensive Insurance

This policy offers the most extensive protection, combining both third-party liability and own damage cover,

How to Get Zurich Kotak Car Insurance Online

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-

  1. Navigate to the ‘Check Plans’ tab added at the top of this page

  2. Enter the information about your vehicle’s make, model, registration number, etc.

  3. Provide your personal details

  4. Get a quote for Zurich Kotak Car Insurance policies 

  5. Choose a plan as per your specific needs

  6. Select add-on covers suited to your requirements

  7. Upload all the mandatory documents to reach the payments page

  8. Pay the applicable premium amount to receive the plan

Key Features of Zurich Kotak Car Insurance Plans

This policy is packed with characteristics that are designed to provide you with comprehensive protection. The following are some of the features of this plan from Zurich Kotak Car Insurance-

  • 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 

Benefits of Zurich Kotak Car Insurance

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-

  • Cashless Claims 

Experience the convenience of hassle-free claim settlements at an extensive network of 4,400+ partner garages

  • Customisable Coverage

Tailor your policy with optional add-ons to match your unique requirements

  • Roadside Assistance

Get timely help with their towing facility in case of breakdowns or accidents

  • Smooth Claims Process 

Benefit from efficient claim settlements, whether it is cashless or reimbursement claims

  • Reward Yourself with NCB 

Earn attractive discounts on renewal premiums with the No Claim Bonus (NCB) protect add-on cover

  • Premium Flexibility

Opt for a higher voluntary deductible to potentially lower your Zurich Kotak Car Insurance price

  • Save More 

Enjoy various discounts on this car insurance plan, including those for Automobile Association of India (AAI) members

What is Covered and Not Covered

Before choosing this policy, it is crucial to understand what it covers and excludes. This knowledge ensures you have adequate protection.

Inclusions 

Exclusions 

Physical damage to your car

Claims arising out of contractual liabilities 

Total loss due to burglary or theft

Losses incurred outside the geographical area of the policy

Losses incurred because of natural calamities like earthquakes and floods

Any type of consequential damages or losses due to standard deprecation

Any loss caused due to strikes, riots, terrorist attacks, and other man-made malicious activities

Damages caused by mechanical or electrical breakdown

Loss or damages to the third-party or their property

Losses incurred due to intoxicated driving 

Personal accidental cover in case of the death or permanent total disability of the owner or driver

Any damages caused during war, foreign invasion, or a nuclear explosion

Factors Influencing the Premium of Zurich Kotak Car Insurance

Several components determine the cost of your policy. The following are some of the factors that influence your Zurich Kotak Car Insurance price-

  • Type of Coverage

Opting for comprehensive coverage typically results in a higher premium compared to third-party insurance.

  • Policy Duration

Longer policy terms often come with lower premiums compared to shorter durations.

  • Vehicle Details

High-end vehicles with higher Insured Declared Values (IDV) generally have higher insurance costs.

  • Vehicle Age

While newer models have higher IDV, older vehicles tend to have lower premiums due to depreciation.

  • Location

Your vehicle's registration location plays a crucial role, as areas with higher accident rates or theft risks may have increased insurance premiums.

  • Claim History

A clean driving record without claims earns you a No Claim Bonus (NCB), which reduces your premium.

  • Add-on Covers

While optional add-ons enhance your policy's coverage, they also increase the premium cost.

How to Calculate the Premium for Zurich Kotak Car Insurance

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-

  1. Navigate to the insurance premium calculator page

  2. Provide your car registration number, mobile number, and PIN code

  3. Click on the ‘Get Quote’ button to get an estimate of the premium price

Add-on Covers Offered by Zurich Kotak Car Insurance

This plan provides a range of additional coverage designed to safeguard your vehicle from additional risks. The following are the add-on covers you can get-

  • 24x7 Roadside Assistance

  • Consumables Cover

  • Depreciation Cover 

  • Engine Protect 

  • Loss of personal belonging 

  • Key Replacement

  • No Claim Bonus (NCB) Protect

  • Return to Invoice

  • Tyre Cover Daily Car Allowance

Frequently Asked Questions

What is the claim settlement ratio of Zurich Kotak Car Insurance?

The claim settlement ratio of the Zurich Kotak Car Insurance policy is approximately 99%.

Can I get protection for my No Claim Bonus with Zurich Kotak Car Insurance?

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.

What are the benefits of Zurich Kotak Car Insurance?

This policy provides your car with extensive coverage and safeguards your financial well-being. You can enjoy all these features with low premium costs.

Can I get a towing facility with Zurich Kotak Car Insurance?

Yes, this policy provides a towing facility in case of untimely breakdowns or accidents.

✓Save up to 80% on Premiums ✓Zero Depreciation & Accessories Cover | Buy/Renew Car Insurance Now! CHECK PLANS
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