Kotak Commercial Vehicle Insurance Policy

When you have passengers in your vehicle, you are responsible for them. Make sure you’re always prepared with our comprehensive Passenger Carrying Vehicle Insurance Plan. 

  • Cashless Servicing: No matter where your long drives take you, our network of over 350 garages allows you to enjoy hassle-free cashless servicing across the country
  • NCB Discounts & Entitlements: Don’t worry about switching insurance agencies. You can retain your No Claim Bonus (NCB) benefits (as per your expiring policy) when you choose to shift your policy from another insurer to Kotak General Insurance
  • Premium Discounts: Get an additional discount (as per the tariff) on your premium when you opt for Voluntary Deductible in addition to Compulsory Deductible
  • AAI Members Discount: If you’re an active member of a recognised Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums
  • The Kotak Edge: When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak group has an illustrious history that spans over 3 decades, and is considered to be one of the most trusted brands in the country. With Kotak Car Secure, your car is in safe hands
  • Damage Cover:  We provide cover if your car is damaged partially or completely due to any natural calamities (such as; fire, explosion, self-ignition/lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, etc.) or man-made calamities (such as; burglary, theft, riot, strike, malicious act, accidental external means, terrorist activity, damage in transit by road, rail, inland waterway, lift elevator or air, etc.)
  • Personal Accident Cover: If you happen to get injured while driving, mounting into, dismounting from, or travelling as a co-driver in the insured vehicle, Kotak Car Secure has you covered. This protection is also extended to other passengers travelling in the car, as long as the number of passengers is limited to the carrying capacity of the car, excluding the driver
  • Third-Party Legal Liability: In order to keep everybody safe, Kotak Car Secure provides cover for any damage to third-party property and third-party bodily injury (including death) caused by an accident involving the insured vehicle
  • Comprehensive Cover: To provide more complete protection, Kotak Car Secure covers all electrical and non-electrical accessories as well as bi-fuel systems of the vehicle. If you would like to avail of other India motor tariff endorsements, you can do so by paying the required additional premium, if any
Period of Insurance% of NCB on OD Premium
The preceding year20%
Preceding 2 consecutive years25%
Preceding 3 consecutive years35%
Preceding 4 consecutive years45%
Preceding 5 consecutive years50%
  • No Claim Bonus: Based on your previous claim history, you are eligible for an attractive No Claim Bonus (NCB). If you do not make any claims in the preceding year or years, you are entitled to an NCB on the Own Damage (OD) section of the policy based on the following table:

When you have passengers in your vehicle, you are responsible for them. Make sure you’re always prepared with our comprehensive Passenger Carrying Vehicle Insurance Plan.

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Kotak Commercial Vehicle Insurance Policy

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