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.

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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. Here’s how to buy Kotak Online Car Insurance:-

  • 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

Note: As per Supreme Court directive, insurance for new cars will have mandatory 3 year third party insurance cover. Please call on 1800 266 4545 for more details.

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:

(Applicable for one year policies only)

Period of Insurance % of NCB on OD Premium
The preceding year 20%
Preceding 2 consecutive years 25%
Preceding 3 consecutive years 35%
Preceding 4 consecutive years 45%
Preceding 5 consecutive years 50%

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.


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 customised 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

Register a Claim/Claim Process

Cashless Claim Process

Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy

Step 2: Once your claim is registered, our customer support executive will provide you with a Claim Reference Number

Step 3: You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions

Step 4: We will arrange for an inspection to be conducted within 24 hours if a claim is reported on a working day, and on the next working day if the claim is reported on a Sunday or a public holiday

Step 5: On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, and the payment will be made directly to the garage

Step 6: You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor

Reimbursement Process

Step 1: Call us on 1 800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy

Step 2: Submit all bills along with your policy details to us and we will make the payment within 7 working days of completion of documentation


What is Roadside Assistance?

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. This includes:

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

What is IDV?

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.

What should the IDV of my vehicle be?

The IDV of the vehicle is fixed on the basis of the manufacturer's listed selling price of the brand and model of the vehicle proposed for insurance at the commencement of insurance or at 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 likewise 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%

What is an endorsement?

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

How long is my insurance cover valid for?

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.

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:

(Applicable for one year policies only)

Period % of Annual Premium
Not Exceeding 1 month 20%
Exceeding 1 month but not exceeding 2 months 30%
Exceeding 2 months but not exceeding 3 months 40%
Exceeding 3 months but not exceeding 4 months 50%
Exceeding 4 months but not exceeding 5 months 60%
Exceeding 5 months but not exceeding 6 months 70%
Exceeding 6 months but not exceeding 7 months 80%
Exceeding 7 months but not exceeding 8 months 90%
Exceeding 8 months Full Annual Premium Full Annual Premium

Customer Speak

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