Car insurance starting from Rs. 2072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Kotak Car Insurance Claim


166 reviews Rate This
  • 1300+ cashless garages
  • 24*7 Claim Assistance
  • Paperless and hassle-free renewal
  • Advanced Digital Processes

Kotak Car Insurance Claim

Claim is the right of a policyholder in the insurance policy. The policyholder can file a claim to get compensation for the damages incurred in an accident. Kotak General car insurance offers you reimbursement as well as the cashless claim settlement process. The company offers an easy and hassle-free claim settlement process along with free towing service.

How To Make A Cashless Car Insurance Claim With Kotak

Follow the below-mentioned steps to file a cashless car insurance claim:

Step 1: Inform Kotak General Insurance

Intimate Kotak General Insurance immediately after the accident/mishap by calling toll-free number 1800-266-4545 or submitting a Claim Intimation Form along with the policy details to inform the company about your claim.

Step 2: Inspection of Damaged Vehicle

Kotak General will arrange an inspection of the damaged vehicle within 24 hours (if the claim is made on working days) of filing the claim. However, if the accident is reported for the claim on Sunday or any other public holiday, the inspection will be done on the next working day.

Kotak offers a towing service within 50 km of the damaged spot. The service towing service will be entirely free of any charge if you have opted for the Roadside Assistance cover. However, it will be free of charge up to Rs 1,500 if you have not opted for the Roadside Assistance add-on at the time policy purchase.

Step 3: Submission of Documents

Submit all the relevant documents to the company as prescribed under the terms and conditions. Make sure that all the information entered in the claim form matches the ones present in the submitted documents.

Step 4: Repairs and Cashless Settlement

The damaged vehicle will be repaired at the network garage and the company will send the repair cost directly to the workshop.

Step 5: Pay Deductibles and Take Your Car

Pay your liability of compulsory deductible and voluntary deductible (if opted for) and drive your car back home.

How To Make A Reimbursement Car Insurance Claim With Kotak

In case, you are unable to or do not want to repair your car at a network garage, you can follow the steps to file a reimbursement claim:

Step 1: Intimate Kotak General

Inform Kotak General immediately after the accident by calling toll-free number 1800-266-4545 or submitting a Claim Intimation Form along with the policy details.

Step 2: Arrangement Of Surveyor and Towing Service

The company will send a surveyor at the accident/mishap spot for inspection of the damages incurred. Post inspection, you need to take the damaged vehicle to a garage for repairs. For this, you can request a towing service from the company, which will be reimbursable up to Rs. 1,500.

Step 3: Car Repairs and and Bill Payment

Get your vehicle repaired at any nearby garage and pay the repair cost. Get all the bills and submit them to the insurer in order to get the reimbursement amount.

Step 4: Documentation

Submit all the required documents along with the claim form and bills of repairs.

Step 5: Reimbursement

Kotak General Insurance will reimburse you after factoring deductibles within 7 days of receipt of all relevant documents in accordance with terms & conditions.

​Documents Required For Claim Settlement With Kotak General Insurance

  • Duly signed Claim Form
  • Insurance policy copy
  • Vehicle’s RC copy
  • Copy of the driving licence of the person driving at the time of accident
  • FIR (in case of bodily injury/death of any person)
  • Estimate cost of repairs (for reimbursement claims)
  • Repair Bill / Payment Receipt (for reimbursement claims)
  • ID proof

Common Claim Rejection Reasons

A car insurance claim can be rejected because of the following reasons:

  • Delay in intimating Kotak General about the accident.
  • Wrong information entered in the claim form.
  • Vehicle repaired in the self authorisation mode i.e. without informing the insurer.
  • Accident happened due to careless driving or intoxication of the driver.
  • Driving without a driving licence and RC (Registration Certificate).
  • Expired policy because of non-renewal.

Kotak User Reviews

Write your review
What users are saying
  • All
  • Most Helpful

209 Kotak Cashless Garages in India

Kotak Car Insurance Claim FAQs

  • How can I locate a cashless garage?

    To locate a cashless garage, call the toll-free number 1800-266-4545 and provide your area pincode, the representative will give you the address of the nearest garage. You can also visit the company’s official website and can locate the nearest garage from there.
  • Can I register a claim online?

    Yes, you can register a claim online by visiting the official website of Kotak General Insurance. On the website go to the ‘Claim’ tab and select the ‘Motor Insurance Claim’ option. Scroll down and you will get a ‘Register’ button to file a claim online.
  • How much time does it take for the reimbursement of a claim?

    Post completion of all formalities, the company initiates the payment instantly. However, the payment can take a maximum of 7 days to reimburse the claim amount.
  • What if my towing charges exceeds Rs 1,500?

    Kotak General reimburses towing charges up to Rs 1,500 if you don’t have the roadside assistance cover. Any amount exceeding that will be borne by the policyholder.

Why to Buy Car Insurance Policy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 11.5 Lac happy customers
  • Claim Support available all 7 days of the week

Contact Details

Latest Car Insurance News

#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.