Zurich Kotak Car Insurance: Buy/Renew Zurich Kotak Car Insurance Online
Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
HomeCar InsuranceCompaniesZurich Kotak
  • CASHLESS GARAGES 6500+
  • CLAIMS SETTLED 98%
  • COMPREHENSIVE CLAIMS UNLIMITED
Key Features:
  • Right Green Tick Spot Claim Upto Rs 20,000
  • Right Green Tick 6-Month Repair Warranty
  • Right Green Tick Easy Video Claims
  • Right Green Tick Zero Paper Claims

Top Zurich Kotak Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From ₹ 2833
PLAN TYPE: Third Party
Starting From ₹ 2094
PLAN TYPE: Own Damage
Starting From ₹ 1327

Calculate Your Car Insurance Price Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai

When did you buy your car?

Disclaimer: Actual Premium might vary basis your location, age and number of members

Zurich Kotak Car Insurance

6500+ Cashless Garages | Trusted by 1.64 Cr+ Policyholders

Zurich Kotak Car Insurance (formerly known as Kotak Mahindra) is designed to safeguard you against substantial financial expenses in case your vehicle faces unforeseen incidents, such as a road accident. This policy, offered by Zurich Kotak General Insurance, is committed to providing dependable and cost-effective car insurance solutions tailored to meet your requirements.

About Zurich Kotak General Insurance Company

Zurich Kotak General Insurance Company (India) Limited (Zurich Kotak General Insurance) is a 70:30 joint venture between Zurich Insurance Group and Kotak Mahindra Bank. The company adopted its new name in August 2024, following Zurich Insurance Group’s acquisition of a 70% stake in Kotak Mahindra General Insurance Company Limited.

Originally established in 2015, Zurich Kotak has evolved into one of the youngest and fastest-growing non-life insurance firms in India. The company offers a comprehensive suite of non-life insurance products in Retail and Commercial segments designed to meet the evolving needs of individuals, families, and businesses. Backed by the global legacy of Zurich and the trusted brand of Kotak, the company is committed to building a modern, technology-driven insurance franchise that delivers reliable protection and long-term value, which supports India’s growing insurance penetration and financial resilience.

Key Features of Zurich Kotak Car Insurance

  • Cashless Servicing: With a network of 6500+ garages, policyholders can get cashless car insurance services across India. Cashless claim settlement is available at network garages.
  • Personal Accident Cover: This feature provides the car owner with a sum assured of up to Rs. 15 lakhs in case of accidental death or disability.
  • Wide Range of Add-ons: Policyholders can choose from various add-ons to increase the scope of their base car insurance policy.
  • Premium Discounts: Policyholders may get premium discounts by installing approved safety devices and choosing a voluntary deductible, subject to applicable terms and conditions.
  • No Claim Bonus: No Claim Bonus is a discount on the own-damage premium for every claim-free policy year. The bonus increases with each successive claim-free year and is added to the own-damage component of the premium at renewal.
  • Quick Turnaround Time: Get claim assistance and support for your car insurance requirements.

Key Metrics

Parameters Details
Third-Party Coverage Yes
Personal Accident Cover Up to Rs. 15 Lakhs
No. of Network Garages 6500+
No Claim Bonus Yes
No. of Zero Dep Claims Upto 2
No. of Comprehensive Claims Unlimited (cashless)

Types of Zurich Kotak Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance covers damage to your own car from accidents, fire, theft, and natural or man-made calamities, along with mandatory third-party liability. Own-damage and third-party premiums are combined into a single premium, and cashless repairs are available across the network garage list.

Third-Party Car Insurance

A third-party car insurance policy is mandatory by law and covers the policyholder's legal liability for third-party property damage, injury, disability, or death arising from an accident involving the insured car. It does not cover damage to the policyholder's own vehicle.

Standalone Own-Damage (OD) Car Insurance

Standalone Own-Damage car insurance covers only the insured vehicle against accidents, fire, theft, and natural calamities. It can be bought by policyholders who already hold a valid third-party policy and is not mandatory on its own.

Popular Add-ons

Zurich Kotak offers various add-ons on comprehensive plans to enhance the coverage of your car insurance policy. These include:

  • Zero Depreciation Cover
  • Engine Protect Cover
  • Roadside Assistance
  • Consumables Cover
  • Return to Invoice
  • NCB Protection
  • Pay As You Drive (Meter Switch On/Off) Cover

These add-ons can help widen the scope of coverage for an additional premium.

Proof Points

  • 1.64 Cr+ Policies issued & counting (As of FY26)
  • 6500+ Cashless Garages in India

Zurich Kotak General Insurance Contact Details

Toll-Free: 1800 2120
Email: care@zurichkotak.com

6500+ Zurich Kotak Cashless Garages in India

Zurich Kotak Cashless Garages

Zurich Kotak Car Insurance User Reviews

4.9
Rating based on
450 User reviews
Write your review
What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Protecting Your Car's Worth

    Zero-dep insurance is all about protecting your car's worth. InsuranceDekho’s Kotak Car Insurance Policy ensured that my investment in the policy for my Hyundai car is safeguarded to the fullest.

    Read More

    V
    By Vedashi Bidani
    On: November 24, 2023
  • No Worries, No Surprises

    The beauty of having own damage coverage with the Kotak Car Insurance Policy is that there are no worries and no surprises. I know that my Nissan car is protected against the unexpected, and that's invaluable.

    Read More

    S
    By Sanjiv Kapila
    On: November 22, 2023
  • Seamless Policy Extension

    I extended my Kotak Car Insurance Policy through InsuranceDekho, and the process was seamless. The coverage continued without interruption, providing me with continuous protection for my Skoda car.

    Read More

    A
    By Anshu Nayyar
    On: November 15, 2023
  • Invest in Hassle-Free Renewals...

    I consider my choice to invest in the renewal of the Kotak Car Insurance Policy through InsuranceDekho as an investment in hassle-free, continuous coverage. They make sure that I drive my Honda car with confidence, knowing my car is protected.

    Read More

    M
    By Mamta Rajender
    On: October 30, 2023
  • Tailored to My Needs

    InsuranceDekho's premium calculator doesn't offer a one-size-fits-all solution. It tailors premiums to match my specific needs to the Kotak Car Insurance Policy that I bought from the online portal, ensuring I get the coverage I want at a fair price for my MG car.

    Read More

    S
    By Saisha Manchanda
    On: October 17, 2023
  • Prompt Claim Settlement under ...

    InsuranceDekho ensures prompt claim settlement for third-party coverage for the Kotak Car Insurance Policy, helping policyholders like me to get back on the road quickly after an accident of my Nissan car.

    Read More

    G
    By Gunjan Reddy
    On: October 11, 2023
  • Own Damage Protection for My C...

    InsuranceDekho's own damage coverage with the Kotak Car Insurance Policy provides comprehensive protection for my Toyota car. It covers everything I need.

    Read More

    K
    By Krishna Kumari
    On: September 29, 2023
  • Essential Coverage for Respons...

    InsuranceDekho's third-party coverage which is an added benefit of the Kotak Car Insurance Policy is essential for my Maruti car. It ensures you're financially responsible on the road.

    Read More

    J
    By Jai Bhatia
    On: September 20, 2023
  • All-In-One Protection with Com...

    With InsuranceDekho's comprehensive policy, I get all-in-one protection under the Kotak Car Insurance Policy for my BMW car. It's the ideal solution for complete peace of mind.

    Read More

    By Sandeep Singh
    On: September 14, 2023
  • Time-Saving Convenience

    Renewing my Kotak Car Insurance Policy for my Ford car through InsuranceDekho is a time-saving convenience. I no longer have to navigate complex paperwork; it's all done online with a few clicks.

    Read More

    J
    By Jyotsna Rana
    On: September 12, 2023
  • Budget-Friendly Premiums

    I found InsuranceDekho's third-party car insurance to have budget-friendly premiums. The Kotak Car Insurance Policy an ideal choice for my Tata car for cost-conscious car owners.

    Read More

    V
    By Vineeta Jain
    On: September 8, 2023
  • Confidence in Decision-Making

    The transparency and accuracy of the Premium Calculator instilled confidence in my decision-making to buy the Kotak Car Insurance Policy to insure my Mercedes-Benz. I know I'm choosing the right policy for my car without any doubts or uncertainties.

    Read More

    D
    By Dheeraj Joshi
    On: September 6, 2023
  • Zero Depriciation, No Compromi...

    I appreciate how InsuranceDekho's Zero Depreciation Policy provides comprehensive coverage without compromises. The Kotak Car Insurance Policy truly considers the best interests of my Hyundai car.

    Read More

    S
    By Shyamali Chalam
    On: September 4, 2023
  • Prompt Assistance during Emerg...

    During a roadside emergency, InsuranceDekho's comprehensive coverage provides prompt assistance. The Kotak Car Insurance Policy ensured my Ford car was back on the road quickly.

    Read More

    R
    By Raavi Seth
    On: August 25, 2023
  • Efficient Renewal Follow-Ups

    InsuranceDekho's team followed up with me at every step of the renewal process for my Kotak Car Insurance Policy for my Nissan car, ensuring I didn't face any difficulties. Their efficiency is commendable.

    Read More

    A
    By Arjun Bhaskar
    On: August 23, 2023
  • Transparent Policy Terms

    InsuranceDekho's own damage Kotak Car Insurance Policy had transparent policy terms, with no hidden clauses or surprises. I knew exactly what was covered for my Nissan car, making it easier to manage any future claims.

    Read More

    J
    By Jay Prakash
    On: August 10, 2023
  • Renewed Policy Documents Insta...

    I was pleased to receive the renewed policy documents for my Kotak Car Insurance Policy from InsuranceDekho almost instantly after completing the renewal process. It saved me from any last-minute worries about my Mercedes-Benz coverage.

    Read More

    S
    By Sapna Tandon
    On: August 8, 2023
  • Professional and Skilled Mecha...

    I trust InsuranceDekho's cashless garages because they have skilled mechanics who know what they are doing. As I was insured with the Kotak Car Insurance Policy, my Skoda car was handled with care, and the results were excellent.

    Read More

    A
    By Abhishek Anand
    On: July 31, 2023
  • Transparent and Fair Claim Set...

    InsuranceDekho handled my claim for the Kotak Car Insurance Policy professionally and transparently. They kept me informed at every step and settled my claim fairly for my Mercedes-Benz. I appreciate their honesty and commitment to their customers.

    Read More

    By Niti Tyagi
    On: July 25, 2023
  • Hassle-Free Comprehensive Cove...

    InsuranceDekho's comprehensive policy offered a hassle-free experience. From purchasing the Kotak Car Insurance Policy for my Mitsubishi car to making claims, everything was smooth and convenient.

    Read More

    By Meher Dua
    On: July 21, 2023
  • Flexibility in Policy Period

    InsuranceDekho's third-party policy offered flexibility in the Kotak Car Insurance Policy period. I could choose the duration that suited my needs, ensuring continuous coverage for my Maruti car.

    Read More

    N
    By Neel Sen
    On: July 19, 2023
  • Great for Exploring Different ...

    InsuranceDekho's premium calculator is a great tool for exploring different coverage scenarios. I can adjust deductibles, add-ons, and other parameters to see how they impact the premium. It helps me make informed decisions about my coverage for the Kotak Car Insurance Policy for my Renault.

    Read More

    D
    By Diyati Nagpal
    On: July 17, 2023
  • Smooth and Effortless Renewal

    InsuranceDekho made the renewal process of my Kotak Car Insurance Policy smooth and effortless. It saved me a lot of time and hassle. Glad to have renewed the policy from them for my MG car.

    Read More

    H
    By Hargun Chabra
    On: July 13, 2023
  • Expert Assistance throughout t...

    I received expert assistance from InsuranceDekho throughout the claims process of the Kotak Car Insurance Policy for my Toyota car. Their knowledgeable team guided me through the documentation requirements, providing the necessary support and advice.

    Read More

    K
    By Karan Dangi
    On: July 11, 2023
  • Quick and Efficient Third Part...

    When I had an incident involving a third party, InsuranceDekho promptly settled the claim. I was so relieved to have secured my Skoda car the Kotak Car Insurance Policy. Their efficient claims settlement process ensured that the injured party received the necessary support and compensation.

    Read More

    M
    By Monali Bendre
    On: July 7, 2023
  • Flexibility to Customize Cover...

    What I appreciate about my Kotak Car Insurance Policy's comprehensive coverage is the flexibility it provides to customize the coverage options. InsuranceDekho offers various add-ons and riders that allow me to tailor the policy to my specific needs. I have the freedom to enhance the coverage for my Ford car based on my requirements. This flexibility is a significant advantage of comprehensive coverage.

    Read More

    G
    By Gaima Dhuni
    On: July 5, 2023
  • Own Damage Car Insurance Provi...

    From minor scratches to major accidents, my Own Damage Kotak Car Insurance Policy from InsuranceDekho has been my safety net. Knowing that I am financially protected against any damage to my Chevrolet gives me peace of mind on every journey. This policy's comprehensive coverage ensures that I can drive confidently, focusing on the joy of the ride.

    Read More

    By Mocia Dabraal
    On: June 29, 2023
  • The premium calculator saves a...

    The premium calculator option at InsuranceDekho saved me a lot of time. I didn't have to call different insurance companies and get quotes. I was able to get all the information I needed from the calculator. And because of this I immediately took the decision of buying the Kotak Car Insurance Policy for my Mercedes-Benz. I would definitely recommend using this calculator for anyone who is shopping for car insurance.

    Read More

    M
    By Mankia Jain
    On: June 27, 2023
  • Customer-Centric Approach

    Throughout the claim settlement process for my Kotak Car Insurance Policy for my Skoda car, InsuranceDekho demonstrated a customer-centric approach. They prioritized my satisfaction and ensured a satisfactory resolution. Their willingness to go the extra mile to assist and support me during a challenging time was highly appreciated.

    Read More

    A
    By Aarav Chathopadhay
    On: June 23, 2023
  • Responsive and Professional Cu...

    Throughout my experience with InsuranceDekho, their customer service was exemplary. Whenever I had questions or needed assistance with the Kotak Car Insurance Policy for my Skoda car, their representatives were responsive and professional. They provided clear and detailed explanations regarding policy terms, coverage limitations, and claim procedures.

    Read More

    V
    By Vridhi Chaudhary
    On: June 21, 2023
Zurich Kotak Reviews

Zurich Kotak Car Insurance FAQs

  • Can I avail the benefits of roadside assistance with Zurich Kotak car insurance?

    Zurich Kotak Insurance provides prompt services for roadside assistance. Don’t panic when you are stranded in a deserted road. Call Zurich Kotak on 1800 2120 and request for help. Some of the services provided include:


    • Battery jump start
    • Towing of the car
    • Emergency refueling
    • Key replacement if you are locked out
    • Minor repairs if needed

  • I have a car insurance policy with Zurich Kotak. What should I know about IDV?

    IDV stands for the Insured Declared Value of a vehicle. It is the maximum sum assured decided by the insurer in circumstances of theft or total loss. Please Note: Costs of registration and insurance is not included when calculating the IDV of a vehicle. In short, final compensation is offered by an insurance company in situations of a total loss on the basis of IDV.

  • I wish to purchase motor insurance from Zurich Kotak. How long will my policy be valid?

    While generally insurance plans are for a year, insurance companies have now come up with long-term plans. New car owners must insure their vehicles with a third party policy for at least 3 years

  • Third Party Policy by Zurich Kotak – what is the coverage offered?

    Third party insurance is a basic policy. It covers:

    • Damage to a third party property
    • Disability or death due to accident
    • Legal fees and lawsuits due to accidents

  • Does Zurich Kotak Car Insurance provide No Claim Bonus?

    Yes, the company provides No Claim Bonus. NCB is provided when a customer does not make any claim during a policy period

FAQ

Car Insurance News

News

Disclaimer

Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are always doing our best to keep our privileged customers up-to-date with neutral and factual information.

Zurich Kotak Car insurance starting from ₹ 2094/year*
T&C Apply*
Proceed without car number

Partner Car Insurance Companies

Car Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Calculate your Car IDV

Cashless Garages in Popular Cities

CityNo of Garages
Bangalore87
Chennai46
Hyderabad46
Ghaziabad38
Ahmedabad2
Kolkata1
View All

Become Motor Insurance Agent

    Zurich Kotak Car insurance starting from ₹ 2094/year*
    T&C Apply*
    Proceed without car number

    Car Insurance starting from
    ₹6/day*

    I agree to *terms & conditions  and privacy policy.
    Don’t know your car number? Click here
    close
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.