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Kotak Car Insurance Claim

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Highlights
    Network Garages1,300+
    Claim Settlement Ratio82.81%
    Emergency AssistanceAvailable 24/7
    Policies Issued18 lakh+
    Claim ProcessDigitally Enabled
    Presence9+ cities

    Kotak Car Insurance Claim

    The 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 a free towing service.

    List of Documents Required During Claim Settlement

    Below is the list of documents required for the car insurance claim settlement process in different events:

    1. In Case of Third Party Claims

    • Claim form duly filled and signed
    • Original/Copy of car insurance policy documents
    • Copy of Registration Certificate (RC)
    • Copy of Driving License
    • Copy of FIR (First Information Report)

    2. In Case of an Accident

    • Original car policy documents
    • Claim form duly filled and signed
    • Copy of Registration Certificate (RC)
    • Copy of Driving License
    • Copy of FIR (First Information Report)
    • Tax Receipts
    • Estimate of cost of repairs
    • Bills and receipts of repairs done

    3. In Case of Theft

    • Claim form duly filled and signed
    • Original/Copy of car insurance policy documents
    • Copy of Registration Certificate (RC)
    • Copy of Driving License
    • Copy of FIR (First Information Report)
    • ‘No Trace Report’ of the insured car from the police.
    • Duly filled and signed 26, 28, 29, 30 and 35 Forms
    • Original Registration Certificate (RC)
    • Theft declaration from Regional Transport Office
    • All sets of keys/Warranty Card/Service Booklets

    How To Make Kotak Cashless Car Insurance Claim

    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 Kotak Reimbursement Car Insurance Claim

    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 to 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 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.

    Common Kotak Car Insurance Claim Rejection Reasons

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

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

    Kotak No Claim Bonus

    If you own a car insurance policy, then based on your previous claim history, policyholders of Kotak General Insurance are eligible for an attractive No Claim Bonus (NCB) at the time of policy renewal. It is a reward delivered in terms of discount which increases progressively with each claim free year from 20% up to a maximum of 50%. If you do not make any claim in the preceding year or years, you are entitled to a no claim bonus on the standalone own-damage car insurance plan or own-damage (OD) component of the comprehensive car insurance policy.

    In order to hold this benefit and continue to avail it, you should renew your car insurance policy within 90 days of the previous policy’s expiry date. On failing to do so, this benefit will become null and void. The NCB benefit is transferable which means you can use it to secure your new car or can transfer it to your new car insurance plan as it is offered to policyholders and not to the car. However, to keep it intact, you should renew your car insurance plan on time, you should try to bear small expenses without raising any claim or you can buy a NCB protect add-on cover.

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    20062019
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    209 Kotak Cashless Garages in India

    Insurance Products by Kotak General Insurance

    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.

    • What coverage amount would I get in case of car theft?

      The insurer provides the calculated Insured Declared Value (IDV) of the car deducting the depreciation and deductible in case of theft of the insured’s car.

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