Motor Insurance Process of Kotak in Delhi

Having a car insurance policy is mandatory by law in India. An important aspect of owning a vehicle is that insurance protects you from financial losses in accidents, theft, or damage. Kotak Mahindra General Insurance provides comprehensive motor insurance policies with attractive features. 

Read on to understand the key highlights of Kotak motor insurance plans in Delhi.

Features of Kotak Motor Insurance

The features of Kotak Motor Insurance are as follows:

• Cashless Service: Cashless repairs and services are available over a network of garages across India. You can call the helpline to get approval, and your bills are directly settled with the garage.
• Optional Ad-Ons: It enhances your coverage by opting for add-ons like zero depreciation cover, engine protector, consumables cover, etc., as per your needs.
• No Claim Bonus (NCB) Discount: If no claim is made during the policy term, you can get discounts up to 50% on your own damage premium. The NCB can be accumulated for up to 5 years.
• Premium Discounts: You can enjoy discounts if you are a member of recognised automobile associations, or the vehicle has installed anti-theft devices.

Advantages of Kotak Motor Insurance

1. Premium Discount:Buy it online and get up to 15% off, plus additional discounts for having a Kotak bank account.
2. No Claim Bonus (NCB) discount: You can accumulate the NCB discount for up to 5 consecutive claim-free years, thereby reducing your renewal premium.
3. Optional add-ons: It enhances coverage by opting for zero depreciation, consumables, engine protector, etc., as per your needs.
4. Cashless Service: Enjoy hassle-free cashless service for repairs and claims across thousands of network garages pan-India.

Documents Required for Filing Kotak Mahindra Motor Insurance Claim

• Claim Form - Duly filled and signed claim form providing details such as name, policy number, description of loss/damage, etc.
• RC Book Copy - Copy of the vehicle's registration certificate or RC book.
• Driving License Copy - Copy of the driving licence of the person driving the insured vehicle.
• FIR Report - First Information Report from the police in case of accidents, theft, or third-party property damage.
• Repair Estimate - Loss or repairs from the authorised garage/service centre.
• Repair Bills - Original final repair bills or invoices after the vehicle repairs are done by the service centre/garage.

What is Covered?

Kotak motor insurance process covers the following:

• Partial or total vehicle loss/damage: Covers damage to own car and third party vehicle/property in accidents.
• Natural calamities: Loss or damage to a car due to natural disasters, such as fire, lightning, earthquake, flood, storm, landslide, etc.
• Man-made calamities: You get coverage for financial loss arising from man-made incidents like theft, riot, vandalism, accident, terrorism, and transit damage.

What is not covered?

• Normal wear and tear: Damage from regular usage, like oil leakage, tyre replacement etc. is not covered.
• Depreciation and consequential losses: Depreciation costs and indirect losses are excluded.
• Outside policy limitations: Damages while driving under the influence of alcohol, driving without a licence, etc., are not payable.
• Mechanical/electrical breakdown: Repair costs for mechanical or electrical failure are not covered.

Steps to Apply for Kotak Mahindra Motor Insurance in Delhi

These are the steps to follow to apply for Kotak Mahindra Motor Insurance in Delhi:

1. Click "Get a Car Insurance Quote" on the Kotak Car Insurance page.
2. Enter car details (registration number, model, make, etc.) and personal details.
3. Select add-ons, enter nominee details, and pay the premium online.

The Bottom Line

Getting a Kotak motor windshield insurance policy for your car is quick and convenient. You can buy it online in minutes by entering your details, customising with add-ons, and paying the premium digitally. With multiple garages, cashless service and up to 50% NCB, Kotak car insurance safeguards your vehicle comprehensively at affordable costs. So, drive worry-free by insuring with Kotak today!

For more information on windshield damage coverage on your Kotak Mahindra Motor Insurance in Delhi, please contact AIS Windshield Experts.