Popular models

Other models

All Variants
Manual
Automatic

Popular variants

Other variants

Select your variant

View all variants

We don’t spam

View Prices

By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use

Get Updates on WhatsApp

Select Make

Select Model

Fuel Type

Select variant

Registration year

Registration month

Save & update

Search with another car number?

Zurich Kotak Standalone Own Damage Car Insurance

A Zurich Kotak (formerly known as Kotak Mahindra) Standalone Own Damage car insurance policy provides financial cover for damages to your car caused by natural calamities, accidents, strikes, etc. This policy can be purchased by policyholders who have third-party car insurance and wish to extend coverage to their own car as well.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Offered
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakh

Explore More Under Zurich Kotak

Coverage Under Zurich Kotak Standalone Own Damage Car Insurance

Inclusions
Exclusions

Coverage for electrical/non-electrical accessories is offered
Losses arising out of the fire, self-ignition or explosion are compensated for under this cover
Damages sustained by the insured vehicle due to natural disasters are covered
Car damages arising out of manmade calamities like riots, strikes
Coverage for losses arising out of theft or burglary is included under the OD cover

Wear, tear and general ageing of the insured vehicle
Depreciation or consequential losses are not covered
Mechanical or electrical breakdown of the insured car
Driving under the influence of drugs or alcohol
Any damage sustained by the insured car when the driver was not holding a driving license
Third party liabilities like third party property damage, death or injury to the third party
Damages arising out of nuclear risk or civil war are not covered

Add-ons Under Zurich Kotak Standalone Own Damage Car Insurance

A Zurich Kotak own damage car insurance policy can be enhanced by purchasing additional covers at an extra premium. Below mentioned are add-ons offered by Zurich Kotak car insurance under its OD policy:

Roadside Assistance
Daily Car Allowance
Engine Protect
Depreciation Cover
Return to Invoice
Consumables Cover
Tyre Protection Cover
Loss of Personal Belongings

How to Buy Zurich Kotak (formerly known as Kotak Mahindra) Standalone Own Damage Car Insurance Policy?

Purchasing a Zurich Kotak OD cover is a pretty easy task if done online. All you need to do is follow the below-mentioned steps:

Visit Policybazaar.com and select ‘Car Insurance’ from the homepage
Now enter your car number on the given form
Select your car’s make, model, variant, registration year and RTO on the next pages
From the given OD car insurance policy, select Zurich Kotak OD car insurance and check its premium
Select any additional cover that you wish to add to your plan. As soon as you select an add-on, your premium will increase
Pay the final premium amount via the chosen payment method
Once you have paid the premium, your Kotak OD car insurance policy will be issued and mailed to you.

Documents Required to Raise Zurich Kotak Standalone Own Damage Claim

To raise a Zurich Kotak standalone own damage claim successfully, you will need the following documents:

Registration Certificate (RC) copy of the vehicle
Own Damage policy copy
Drivers driving license
FIR Copy (In case of theft and TP claim)
Duly filled and signed claim form
Repair bills and estimates of repair

FAQs

Q1. What is the claim ratio of Kotak car insurance?

Ans: Zurich Kotak car insurance has a claim settlement ratio of 98%.
Q2. Is it compulsory to have Zurich Kotak standalone own damage car insurance in India?

Ans: Having an own damage car insurance is not mandatory as per the motor laws. However, if you want to get additional cover for your car from unforeseen incidents, it is recommended that you purchase this cover along with the mandatory TP cover.
Q3. How can I reduce my Zurich Kotak own damage car insurance premium?
Ans: You can reduce your Zurich Kotak own damage premium by following the tips mentioned below:
- Installing an anti-theft device in your car
- Taking advantage of NCB reward by not raising a claim
- Taking advantage of discounts and deductibles
- Choosing your add-ons very carefully.
Q4. How can I know the status of my Kotak own damage car insurance?

Ans: To know the status of your Zurich Kotak standalone car insurance policy, you can sign in to your Policybazaar account and find all your policy details in your dashboard.
Alternatively, you can also visit the customer support portal on the insurer’s official website or call their customer support team to know the status of your OD cover.

Explore More Under Car Insurance

Car Own Damage

Bajaj Allianz Standalone Own Damage Car Insurance

Cholamandalam Standalone Own Damage Car Insurance

Digit Standalone Own Damage Car Insurance

Future Generali Standalone Own Damage Car Insurance

HDFC Ergo Standalone Own Damage Car Insurance

ICICI Lombard Own Damage Car Insurance

IFFCO Tokio Standalone Own Damage Car Insurance

Liberty Standalone Own Damage Car Insurance

Expand

Car insurance companies

Bajaj Allianz Car Insurance

Chola MS Car Insurance

Digit Car Insurance

Future Generali Car Insurance

HDFC Ergo Car Insurance

ICICI Lombard Car Insurance

IFFCO Tokio Car Insurance

Liberty Car Insurance

Magma Car Insurance

National Car Insurance

New India Assurance Car Insurance

Oriental Car Insurance

Raheja QBE Car Insurance

Reliance General Car Insurance

Royal Sundaram Car Insurance

SBI Car Insurance

Shriram Car Insurance

Tata AIG Car Insurance

United India Car Insurance

Universal Sompo Car Insurance

ZUNO Car Insurance

Zurich Kotak Car Insurance

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in