Zurich Kotak General Insurance Company

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

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