Apply for a Zurich Kotak Insurance plan and enjoy comprehensive coverage!
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.
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.
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. |
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-
Click on the ‘Check Plans’ tab at the top of this page
Fill in information relating to your vehicle’s make, model, registration number, etc.
Enter your personal details
Get a quote for the insurance plan
Select a plan that best suits your requirements
Add suitable add-on covers
Attach all the necessary documents to proceed to the payments page
Pay the premium amount to receive the plan
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
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-
Enjoy the convenience of cashless claim settlements at 4,000+ partner garages, saving you from upfront expenses
Customise your insurance policy with optional add-ons to enhance coverage based on your specific needs.
In case of breakdowns or accidents, Zurich Kotak General Insurance offers towing facilities for your vehicle
Experience a hassle-free claims process with cashless or reimbursement facilities, providing quick settlements
Be rewarded for accident-free years with attractive discounts on your renewal premium
Opt for a higher voluntary deductible to reduce your premium while retaining coverage
Enjoy various discounts based on your Automobile Association of India (AAI) membership and other factors to save on premiums
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 |
The following are a few factors that influence how much premium you will have to pay for Zurich Kotak Insurance-
Comprehensive coverage is generally more expensive than third-party insurance due to the broader range of risks covered.
Opting for a longer policy duration can often result in lower premiums compared to shorter periods.
As premiums depend on Insured Declared Value (IDV), high-end vehicles tend to have higher premiums.
Older vehicles generally have lower insurance premiums compared to newer models due to depreciation.
Areas with higher accident rates or theft risks may have higher insurance costs.
A clean claim history earns you a no claim bonus, which reduces your premium with each claim-free year.
While they enhance protection, additional coverage options can also increase your premium.
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-
Visit the insurance premium calculator page
Enter your vehicle registration number, mobile number, and PIN code
Click on the ‘Get Quote’ button to get an estimate
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
The claim settlement ratio of Zurich Kotak General Insurance Is 93.56%.
These plans provide extensive coverage for your car with inexpensive premiums. You can also opt for added coverage based on your specific needs.
Yes, you can opt for comprehensive plans from Zurich Kotak General Insurance to enjoy wider coverage.
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.