Kotak Comprehensive Car Insurance

Key features

• ✓Joint venture entity following Zurich Insurance acquisition of Kotak Mahindra General Insurance
• ✓Comprehensive, Third-Party Only, and Standalone Own Damage variants
• ✓Personal Accident cover up to ₹15 lakh for owner-driver
• ✓4,200-5,700+ cashless network garages
• ✓NCB up to 50% on renewal for claim-free years
• ✓24x7 customer support and digital claim tracking
• ✓Online purchase, renewal, and self-service claim filing
• ✓Comprehensive add-on suite including Engine Protect and Tyre Cover
• ✓Roadside Assistance with up to 4 service calls per year

What’s included

• ✓Accidental damage to insured vehicle
• ✓Theft and total loss
• ✓Fire, explosion, self-ignition, and lightning
• ✓Natural calamities (flood, earthquake, cyclone, landslide)
• ✓Riot, strike, malicious acts, and terrorism
• ✓Third-party bodily injury, death, and property damage
• ✓Personal Accident cover for owner-driver
• ✓Cashless repair at network garages

What’s excluded

• ✕Wear, tear, and mechanical/electrical breakdown
• ✕Engine damage from water ingress / oil leakage (without Engine Protect add-on)
• ✕Driving without a valid licence or under intoxication
• ✕Intentional damage and use for illegal acts
• ✕War, mutiny, and nuclear perils
• ✕Non-declared accessories or modifications
• ✕Consequential losses

Eligibility

Min age

18 years

Covers

Self

Policy term

1 to 3 years

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered