Kotak Mahindra General Insurance is a fully owned subsidiary of Kotak Mahindra Bank Limited, one of the leading banking solutions firms in the country. Kotak Mahindra General Insurance caters to customers in the non-life category with products like health and motor insurance among others. The company strives to offer greater value through customized client offerings backed by cutting edge technology and infrastructure.

• Third Party Liability
• Personal Accident Cover up to Rs. 1 lac
• Multiple tenors of 1/2/3 years
• Zero Increase in Third Party Premium for 2 & 3 year plans
• In-built personal accident cover
• No-Claims Bonus & added discounts for AAI (Automobile Association of India) members

• Completely filled covernote / application form with contact numbers
• Name of insured person
• Vehicle number
• Make and model of the vehicle
• Identification card
• Copy of RC book if any
• Copy of previous insurance ( for renewal)

The inclusions under the plan include the following:

• Loss/Damage due to natural calamities like explosion/fire/earthquake/flood/self-ignition/hurricane/typhoon/tempest/storm/frost/cyclone/rockslide/landslide
• Loss/Damage due to man-made calamities like terrorism/accidental external means/theft/burglary/strike/riot/damage in transit via air, road, rail, elevator, etc.

Some of the major exclusions include the following:

• Depreciation/Consequential Loss
• Regular wear & tear or ageing
• Damage due to driving under influence of alcohol or drugs
• Damage due to driving without valid driving license
• Loss/Damage due to mutiny/war/nuclear risks
• Electrical/Mechanical breakdown
• Usage of vehicle beyond limitations of usage
• Wear and tear of tyres and tubes unless vehicle is damaged in same accident

• The 1800-266-4545 number has to be called for intimating insurer about claim and providing policy information
• All bills to be submitted with policy details
• Payment to be released within 7 working days from documentation completion