Kotak Car Secure - Car Insurance by Kotak

Kotak Car Secure- Car Insurance by Kotak
Keeping your vehicle safe and secure is important. That's why we've created Kotak Car Secure, a comprehensive insurance plan that is your friend on the road.
Overview
Nothing compares to the pride of having an own car. With your car, you can reach any destination without being dependent on anyone else. But once you own a car, buying a car insurance becomes just as important. In a country like India, driving on roads is laden with perils. Given the poor road conditions and traffic indiscipline, accidents have become a frequent occurrence on Indian roads. A car is undoubtedly one of the most valuable assets you own. Isn't it your duty to protect your precious car from damages?
With Kotak's Car Insurance policy, you can protect yourself and your car from financial loss and damages. A comprehensive Insurance policy will cover all the damages caused to you, your vehicle as well as the third party damages caused in an accident. By buying a Kotak Car Insurance Policy, you can be assured of all-around safety every time you hit the road.
Get All-round protection for your precious vehicle in a few simple steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

Click on the Get Quote button on the Kotak Car Insurance Page. Fill in your car details such as registration number, model, make etc. Fill in your personal details Make the payment online


How to renew the policy?
When it comes to Car Insurance, timely renewal is very important in order to ensure seamless protection. At Kotak General Insurance, renewal of car insurance is quick and hassle-free. All you need to do is enter your existing policy number or customer ID on the online car insurance renewal page. Once your policy number/customer ID is verified, you can make the payment and your insurance will be renewed instantly.

Key benefits
Damage Cover: We provide cover if your car is damaged partially or completely due to any natural calamities (such as; fire, explosion, self-ignition/lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, etc.) or man-made calamities (such as; burglary, theft, riot, strike, malicious act, accidental external means, terrorist activity, damage in transit by road, rail, inland waterway, lift elevator or air, etc.)

Personal Accident Cover: Under the Personal Accident Cover, if you happen to get injured while driving, mounting into, dismounting from, or travelling as a co-driver in the insured vehicle, Kotak Car Secure has you covered. This protection is also extended to other passengers travelling in the car, as long as the number of passengers is limited to the carrying capacity of the car, excluding the driver

Third-Party Legal Liability: In order to keep everybody safe, Kotak Car Secure provides cover for any damage to third-party property and third-party bodily injury (including death) caused by an accident involving the insured vehicle

Comprehensive Cover: To provide complete protection, Kotak Car Secure covers all electrical and non-electrical accessories as well as bi-fuel systems of the vehicle. If you would like to avail of other India motor tariff endorsements, you can do so by paying the required additional premium, if any

Enhanced Protection: For better coverage, you can choose to enhance your policy by choosing from our range of add-ons that are available for an additional premium.

The Kotak Edge: When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak Group has an illustrious history that spans over 3 decades, and is considered to be one of the most trusted brands in the country. With Kotak Car Secure, your car is in safe hands

No Claim Bonus: Based on your previous claim history, you are eligible for an attractive No Claim Bonus (NCB). The amount of NCB increases progressively with each claim free year up to a maximum of 50. If you do not make any claims in the preceding year or years, you are entitled to an NCB on the Own Damage (OD) section of the policy based on the following table:



Do remember, you will be eligible for the NCB only if the insurance policy is renewed within 90 days of the previous policy's expiry date.

Features
Cashless Servicing: No matter where your long drives take you, our wide network of garages allow you to enjoy hassle-free cashless servicing across the country.

NCB Discounts & Entitlements: Don't worry about switching insurance policies from other insurers. You can retain your No Claim Bonus (NCB) benefits (as per your expiring policy) when you choose to shift your policy from another insurer to Kotak General Insurance.

Premium Discounts: Get an additional discount (as per the tariff) on your premium when you opt for Voluntary Deductible in addition to Compulsory Deductible

AAI Members Discount: If you're an active member of a recognized Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums

Optional Covers
Choose from a range of optional add-ons that are customized to your needs, and provide you with enhanced protection. Ensure maximum protection for your car by selecting the following add-ons that are available at an additional premium:

Roadside Assistance
Depreciation Cover
Consumables Cover
Engine Protect
Return to Invoice

Waiting Period/Exclusions
Exclusions: At Kotak Mahindra General Insurance, we value transparency above everything else. Here's a list of what we don't cover under our Kotak Car Secure Policy, so we can avoid any inconvenience at the claims stage.

Loss/Damage to the vehicle/accessory/accessories arising by the following will not be covered:

Normal wear and tear and general aging of the vehicle Depreciation or any consequential losses Vehicle being used otherwise than in accordance with limitations as to use Mechanical/electrical breakdown Any contractual liability Damage to/by a person driving the vehicle under the influence of drugs or liquor Damage to/by a person driving the vehicle without a valid license Damages due to nuclear risk or war
Cancellation Grid: In case you would like to cancel your policy within a year, we will retain a portion of the premium as specified below: