Zurich Kotak Car Insurance Claim Settlement

Raising a cashless claim under Zurich Kotak Car Insurance is a simple and stress-free process. If your vehicle is damaged and taken to an authorised network garage, the insurer pays the repair bills directly and you’ll only need to cover the deductibles.

Here’s how you can go about filing your cashless claim:

Step 1: Notify the insurer immediately

Inform Zurich Kotak about the incident as soon as possible. You can do this by calling their toll-free number 1800 266 4545 or by submitting an online claim form.

Step 2: Provide basic details

Share your policy number, car registration details, and a brief description of the damage or event that led to the claim.

Step 3: Get the vehicle inspected

Zurich Kotak will arrange for a surveyor to inspect your vehicle within 24 hours. The damage will be assessed, and the claim will be verified.

Step 4: Submit the necessary documents

You’ll be asked to share a few documents such as your RC copy, driving licence, FIR (if applicable), and policy papers. These are needed to process your Zurich Kotak Car Insurance claim settlement smoothly.

Step 5: Claim approval and repair

Once the documents are verified, Zurich Kotak will send the approval directly to the authorised network garage. Repair work begins immediately after this.

Step 6: Pay deductibles and collect your vehicle

You may need to pay the applicable deductibles or depreciation charges not covered by the policy. Once that’s done, your vehicle is ready to be taken home.

If you choose to repair your car at a garage that is not part of the Zurich Kotak authorised network, you can still recover your expenses. A reimbursement claim allows you to pay the repair costs first and get the amount refunded later by the insurer.

Follow these simple steps to file your reimbursement claim:

Step 1: Inform the insurer promptly

As soon as the damage occurs, call Zurich Kotak on 1800 266 4545 or fill out the online claim intimation form. Share your policy and vehicle details accurately.

Step 2: Get your car inspected

Zurich Kotak will assign a surveyor to examine the damage. This inspection is usually done within 24 hours of claim intimation.

Step 3: Proceed with repairs at your chosen garage

After the surveyor provides an estimate, you can get the car repaired at any garage of your choice. Make sure to collect all original bills and invoices.

Step 4: Submit required documents

You’ll need to send the repair invoice along with other required documents like your registration certificate, driving licence, and policy copy to Zurich Kotak.

Step 5: Wait for the reimbursement to be processed

Your claim will be approved once the documents are verified for the Zurich Kotak Car Insurance claim settlement process.

After that, the amount will be credited to your registered bank account within 7 working days.

To ensure a smooth and timely Zurich Kotak Car Insurance claim settlement, you’ll need to submit a few key documents. These can help verify your policy details, confirm the incident, and speed up the claim process. Here is a list of commonly required documents:

• Duly filled and signed claim form submitted by the policyholder

• Copy of the car’s Registration Certificate (RC) to verify vehicle ownership

• Valid driving licence of the person driving at the time of the incident

• Copy of the Zurich Kotak Car Insurance policy as proof of active coverage

• Police FIR copy, especially in case of theft, vandalism, or third-party involvement

• Photo ID proof of the policyholder, such as Aadhaar, PAN card, or passport

• Original repair bills and receipts (required in reimbursement claims)

Depending on the nature of the claim and damage, Zurich Kotak may ask for additional documents after the vehicle inspection. Keeping these documents ready in advance can help avoid delays.

Note: For reimbursement claims, ensure the vehicle inspection is completed, and claim is approved before initiating repairs.

Not all claims are approved — even with a valid policy in place. Certain actions, errors, or missing documents may lead to your Zurich Kotak Car Insurance claim settlement being denied. Here are some common reasons this can happen:

• Driving without a valid licence at the time of the accident can result in outright claim rejection and legal penalties.

• Failing to pay your premium on time may void the policy, leaving you uncovered during emergencies.

• Unapproved vehicle modifications, such as altering the engine or body, can lead to claim denial.

• Delaying claim intimation or failing to inform Zurich Kotak immediately after the accident could weaken your claim case.

• Using a private car for commercial use — such as goods transport, may void your claim.

• Outdated documents, including the pollution under control (PUC) certificate or expired driving licence, can delay or block claim approval.

• Driving under the influence of alcohol or drugs, or engaging in reckless acts like racing, can result in complete rejection.

• Not cooperating with Zurich Kotak’s claim investigation team — such as refusing inspection or withholding information — can lead to claim denial.

Staying informed and following the correct procedures ensures your claim goes through smoothly.

While Zurich Kotak Car Insurance has a robust claim settlement process, following a few key practices can further reduce the risk of claim rejection. Keep these tips in mind to ensure a smooth and successful experience with your Zurich Kotak Car Insurance claim settlement:

• Report the incident immediately by informing Zurich Kotak as soon as your car is damaged, stolen, or involved in an accident.

• File an FIR promptly in case of major incidents like theft, fire, or third-party injury to support your claim documentation.

• Keep your documents ready and valid, including a current driving licence, pollution certificate (PUC), and insurance policy.

• Stay at the accident site and follow legal protocol — fleeing the scene may lead to complications or even claim rejection.

• Avoid any illegal driving behaviour, such as drunk driving, speeding, or violating traffic laws, as these can instantly nullify your claim.

• Share only accurate and honest information during claim submission — false or incomplete details can delay or deny the claim.

• Do not repair the vehicle without intimation, especially in a reimbursement scenario. Always wait for insurer approval or inspection first.

By taking these precautions, you increase your chances of a fast, fair, and stress-free claim experience with your Zurich Kotak Car Insurance plan.