Zurich Kotak Own Damage Car Insurance

Standalone own-damage car insurance is one of the three basic types of car insurance offered by Zurich Kotak General Insurance. It offers a layer of protection for owner-drivers from the uncertainties of the road. The cover provides compensation for own-damage costs in case of a mishap including cases of theft, vandalism, fires, explosions, road accidents, and calamities both natural and manmade. This cover is not compulsory like third-party insurance. However, it is advisable to purchase it all the same as it provides enhanced coverage compared to simply having third-party insurance.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under Zurich Kotak Standalone Own-Damage Policy?

Zurich Kotak standalone own-damage car insurance offers coverage for the following aspects:

• Road accidents that damage the car.
• An explosion or fire that damages the car.
• Cases of theft or total loss of the car.
• Damages caused due to a natural or man made calamity, eg. earthquake.

What is Not Covered Under Zurich Kotak Standalone Own-Damage Policy?

Zurich Kotak standalone own-damage car insurance does not offer coverage for the following aspects:

• Mishaps that happen outside India’s borders.
• Depreciation of the car.
• Electrical or mechanical breakdown of the car.
• Illegal driving in any form.

Following are the benefits of the Zurich Kotak standalone own-damage insurance:

• You can purchase add-on covers to further strengthen the standard car insurance.
• The own-damage cover offers protection in a variety of situations and provides financial stability in times of crisis.
• No Claim Bonus is offered with every claim-free year as a reward for good driving habits. The reward is cumulative in nature which means the amount becomes higher with every consecutive claim-free year and reaches a maximum of 50% in the fifth year.

How To Purchase Zurich Kotak Standalone Own-Damage Policy?

Step 1: Visit our website InsuranceDekho and select the car insurance tab at the top left corner of the page. From the drop-down menu select ‘Standalone Own Damage option.

Step 2: Enter your car’s registration number. If for some reason you do not have this information you can also enter its make, model, and year of registration.

Step 3: Provide your personal details,i.e. Name and mobile number, and select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage policies will be visible on the screen. Select the offer by Zurich Kotak and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected Zurich Kotak standalone own-damage policy and the policy document will be sent to your registered email ID.