Kotak General Insurance is one of the leading companies in the non-life insurance segment in India. In 2024, Zurich Insurance Group, which serves in over 200 countries, bought the majority stake in the company.  


Zurich Kotak General Insurance offers a comprehensive range of insurance solutions tailored to meet your diverse needs. It acts as your trusted financial partner with a focus on innovation and customer-centricity. On Bajaj Markets, you can get Zurich Kotak General Insurance plans at affordable premiums starting from ₹2,094 per year for car insurance and ₹538 per year for bike insurance.

Zurich Kotak General Insurance Plans Available on Bajaj Markets

On Bajaj Markets, you can browse through different policies to opt for one that aligns with your specific requirements. The following are Zurich Kotak General Insurance plans you can get-

Insurer

Claim  Settlement Ratio

Starting Premium 

Zurich Kotak General Car Insurance

90%

₹2,094 per year

Zurich Kotak General Bike Insurance

98%

₹538 per year

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

Types of Zurich Kotak General Insurance

This insurer has a solution tailored to all your requirements on the road. Check out the types of plans you can opt for-

Policy Name

What is Covered

Third-party Insurance

This type of insurance coverage is mandated by law for all vehicle owners. It covers damages or injuries caused to a third party by your vehicle.

Own Damage Cover

This policy covers damages to your own vehicle caused by accidents, theft, natural calamities, or other unforeseen events.

Comprehensive Insurance

It combines both third-party liability and own damage cover under a single policy. It offers all-round protection for your vehicle and financial coverage.

How to Get Zurich Kotak General Insurance Online

On Bajaj Markets, you can browse through different plans and apply for the best-suited one from the comfort of your home. Follow these simple steps to get Zurich Kotak Insurance-

  1. Click on the ‘Check Plans’ tab at the top of this page

  2. Fill in information relating to your vehicle’s make, model, registration number, etc.

  3. Enter your personal details

  4. Get a quote for the insurance plan 

  5. Select a plan that best suits your requirements

  6. Add suitable add-on covers

  7. Attach all the necessary documents to proceed to the payments page

  8. Pay the premium amount to receive the plan

Key Features of Zurich Kotak General Insurance Plans

You can enjoy a range of advantages with the comprehensive policies that this insurer provides. The following the some of the features of Zurich Kotak Insurance-

  • Cashless service

  • Attractive discounts

  • Comprehensive coverage

  • Numerous add-ons

  • No claim bonus

Benefits of Zurich Kotak General Insurance

Choosing the right policy is crucial to ensure that you have adequate coverage at optimal prices. The following are some of the benefits you can enjoy-

  • Cashless Services

Enjoy the convenience of cashless claim settlements at 4,000+ partner garages, saving you from upfront expenses

  • Optional Add-ons

Customise your insurance policy with optional add-ons to enhance coverage based on your specific needs.

  • Towing Facilities

In case of breakdowns or accidents, Zurich Kotak General Insurance offers towing facilities for your vehicle

  • Seamless Claims Process

Experience a hassle-free claims process with cashless or reimbursement facilities, providing quick settlements

  • No Claim Bonus

Be rewarded for accident-free years with attractive discounts on your renewal premium

  • Voluntary Deductibles

Opt for a higher voluntary deductible to reduce your premium while retaining coverage

  • Numerous Discounts

Enjoy various discounts based on your Automobile Association of India (AAI) membership and other factors to save on premiums

What is Covered and Not Covered

When opting for a policy, understand the inclusions and exclusions to determine its scope of coverage. The following are covered and excluded from the Zurich Kotak General Insurance Plans-

Inclusions 

Exclusions 

Loss due to physical damage  

Claims from contractual liabilities 

Loss caused by burglary or theft

Damages caused outside the geographical area of the plan

Damages caused due to earthquakes, floods, or other natural calamities

Consequential damages or loss due to depreciation

Damages caused due to riots, strikes, terrorist activities, or other malicious activities

Loss due to mechanical or electrical breakdown

Loss or damages to the third party or their property

Damages caused due to intoxicated driving

Financial coverage in case of the death/permanent total disability of the owner or driver

Loss incurred due to war, foreign invasion, or nuclear attack

Factors Influencing the Premium of Zurich Kotak General Insurance

The following are a few factors that influence how much premium you will have to pay for Zurich Kotak Insurance-

  • Type of Policy

Comprehensive coverage is generally more expensive than third-party insurance due to the broader range of risks covered.

  • Duration of Policy

Opting for a longer policy duration can often result in lower premiums compared to shorter periods.

  • Make, Model, and Variant of the Vehicle

As premiums depend on Insured Declared Value (IDV), high-end vehicles tend to have higher premiums.

  • Registration Year

Older vehicles generally have lower insurance premiums compared to newer models due to depreciation.

  • Location of Registration

Areas with higher accident rates or theft risks may have higher insurance costs.

  • No Claim Bonus

A clean claim history earns you a no claim bonus, which reduces your premium with each claim-free year.

  • Add-ons

While they enhance protection, additional coverage options can also increase your premium.

How to Calculate the Premium for Zurich Kotak General Insurance

Understanding the potential premiums is an important factor while comparing policies. Follow these simple steps to compute your premium on the Zurich Kotak General Insurance plan- 

  1. Visit the insurance premium calculator page

  2. Enter your vehicle registration number, mobile number, and PIN code

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

Add-on Covers Offered by Zurich Kotak General Insurance

You can opt for additional coverage if you want to strengthen the coverage offered by your plan. Check out some of the add-on covers you can opt for with Zurich Kotak General Insurance policies-

  • Consumables Cover

  • 24x7 Roadside Assistance

  • Depreciation Cover 

  • Engine Protect 

  • No Claim Bonus (NCB) Protect

  • Return to Invoice

  • Loss of personal belonging Key Replacement

  • Tyre Cover Daily Car Allowance

Frequently Asked Questions

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

The claim settlement ratio of Zurich Kotak General Insurance Is 93.56%.

What are the benefits of opting the Zurich Kotak General Insurance?

These plans provide extensive coverage for your car with inexpensive premiums. You can also opt for added coverage based on your specific needs.

Can I get comprehensive coverage from Zurich Kotak General Insurance?

Yes, you can opt for comprehensive plans from Zurich Kotak General Insurance to enjoy wider coverage. 

What is the premium price for Zurich Kotak General Insurance?

The premium for this plan depends on several factors. These include the make, model, and variant of the vehicle, the age of the car, the add-ons you opt for, and more.

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