You and your family
are in safe hands!

With our customer centric operations and digitally enabled processes we offer customised products and services with efficient claims handling processes.

  • 98%

    Claim settlement ratio

  • 1.5 Lakh

    Claims Settled

  • 45 Lakh+

    Customers

  • 62 Lakh+

    Policies issued and counting

Note: The above data is till 30th Sep 2021

Protect what is important

Car Insurance
Complete protection for your car
Health Insurance
Secure yourself and your family

Why Kotak General Insurance

A subsidiary of Kotak Mahindra Bank Ltd., we serve the growing non-life insurance needs of an emerging India While emphasising on customer service, quality and innovation

  • Strong management practices
  • Team of Experienced professionals
  • Kotak Group pedigree

Frequently Asked Questions

Of course, you may have more questions related to renewing or buying car insurance only, So scroll down and find your question answered!

Roadside Assistance is a service that provides you with the necessary help required in case you are stranded on the road when your car breaks down. It includes:

• Towing due to an accident or breakdown
• Battery jump start
• Arrangement/Supply of fuel
• Emptying of the fuel tank
• Flat tyre(s)
• Breakdown support over the phone
• Taxi benefits
• Arrangement of keys
• Message relay
• Minor repairs

The Insured's Declared Value (IDV) of the vehicle is the maximum Sum Assured fixed by the insurer at the beginning of each policy period for the insured vehicle. If the vehicle suffers total loss, the IDV is the compensation that the insurer will provide to the policyholder.

The IDV of the vehicle is calculated based on the manufacturer's listed selling price of the brand and model of the vehicle proposed for insurance at the commencement of insurance or renewal and is adjusted for depreciation (as per the schedule specified below). The IDV of the sidecar(s) and/or accessories, if any, fitted to the vehicle but not included in the manufacturer's listed selling price of the vehicle is also likely to be fixed.

Age of the Vehicle % Depreciation for Fixing IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

An endorsement is written evidence of an agreed change in policy terms.

Typically, general insurance contracts are for a period of one year, unless stated otherwise. Please check your policy certificate cum schedule to determine the period of coverage.