Four Wheelers certainly plays a considerable role in our lives. Be it for business purpose or for daily commuting in your own private car. But cars are also prone to numerous perils as long as you are driving it on road. The car accidents are not anything new, an accident can take place not because of your own mistake but it can turn out to be someone else’s fault for which you have to pay. Whatever the cause might be, it’s always to be prudent to be prepared by taking the best car insurance policy to battle with all these ill-fated circumstance. Four wheeler insurance policies from Kotak Mahindra General Insurance are designed to be your savior in situations where you are liable for someone else’s bodily injury or property damage and your own damage as well. Kotak Mahindra car insurance online provides the owners of four wheelers with widespread security against third-party damages, own damage, personal accidents, and also covers for accessories. Furthermore, Kotak Mahindra motor insurance policies provide engine protection, roadside assistance and depreciation cover – all under a single four wheeler insurance policy in India. In the age of technology you can instantly buy or renew Kotak Mahindra car insurance online by simply visiting the company’s official website. Kotak Mahindra also offers exclusive discounts with their vehicle insurance policies. You can get instant renewal quotes on Kotak Mahindra car insurance online.
If you buy Kotak Mahindra car insurance online, you can avail complete assistance when the need arises. Some of the unique benefits of Kotak Mahindra car insurance policies are the following
- ✔You can buy Kotak Mahindra car insurance policies online through the secured electronic payment gateway services.
- ✔You can also avail Kotak Mahindra car insurance online renewal effortlessly.
- ✔Kotak Mahindra General Insurance Company Limited offers hassle-free cashless claim settlement facility at the network garages across India.
- ✔It offers personal accident cover facility for the co-passengers.
- ✔Policyholders can get multiple payment options.
- ✔Provides 24*7 Roadside Assistance and call center services for any help associated to claims.
- ✔Comprehensive car insurance plan of Kotak Mahindra covers own damage as well as third party damage.
- ✔Wide range of add-on covers are provided by Kotak Mahindra motor insurance policy.
- ✔Under this plan, you will get coverage for electrical and non-electrical accessories, bi-fuel systems.
- ✔The company offers discounts in car insurance premium in the form of No Claim Bonus.
Just like any other motor insurance companies in India, Kotak Mahindra General Insurance Limited also offers mainly two types of car insurance plans in general: Third Party and Comprehensive Car Insurance. On the other hand, Kotak Mahindra car insurance also comes with an assortment of effective add-on covers along with your car insurance plan in exchange of added payment to the premium.
Third Party Liability Car Insurance PlanThis type of four wheeler insurance plan provides third party liability cover for bodily injury/death and property damage due to an accident involving your two wheeler. Third party liability insurance also includes personal accident cover for driver. It’s obligatory to have third party motor insurance for all motor vehicles in India. However, this car motor insurance plan doesn’t cover your own damage.
Comprehensive Car Insurance PlanComprehensive auto insurance plan can be called the best car insurance plan given that this plan covers both third party liability as well as your own damages. Kotak Mahindra’s comprehensive car insurance plans come with wide coverage options at an affordable premium.
Add-on covers for motor insurance policies from Kotak Mahindra offer special coverage that are not included in the comprehensive car insurance plan. To enjoy the benefits of a number of add-on covers such as Nil Depreciation, Return to Invoice Cover, Engine Cover, NCB etc. You’ll have to make additional payment along with your premium.
After having Kotak Mahindra car insurance policy, you will get coverage in any kind of situation. But the thing is not like that, there are some exclusion of car insurance policies. Such as
- ✔Any consequential losses or depreciations
- ✔Any kind of contractual liability
- ✔Usual wear, tear and general aging of the vehicle
- ✔Mechanical and electrical breakdown arises
- ✔Damages that incur due to nuclear risk or war
- ✔Damages or losses that cases due to driving the four-wheeler with an invalid license.
- ✔When the car was driven under the influence of drugs or liquor, then in case of any damage or loss you cannot get coverage.
Apart from all these, it is important to note that Kotak Mahindra car insurance renewal has the same importance as buying one for your new four-wheeler. Your failure to renew your four wheeler policy could cost you much. Therefore you should renew your vehicle insurance with Kotak Mahindra on time.