Kotak Mahindra General Insurance

Kotak Mahindra General Insurance is a part of Kotak Mahindra Bank Ltd, incorporated in 2015. There are currently 19 branches across India, serving the insurance, headquarter in Mumbai. ICRA has given it an iAAA rating for highest claims paying ability.

Kotak Insurance policies cover for own damage, third party damage, accessories, and offer a range of add-on benefits like zero depreciation, engine protection, no claim bonus, and more. Kotak has been acknowledged with many awards like Marketer Company of the Year at India Insurance Summit & Awards 2020, ANA ECHO International Awards 2020, USA - Bronze, Consumer Services, and many more.

Company Highlights (Key Features & Benefits)

1. Multiple Plan Options
The company is offering multiple car, bike, & commercial vehicle insurance plans to cater to your different needs. You can choose the one that insures your vehicle in unfortunate circumstances.

2. Claim Settlement Ratio
The claim settlement ratio provided by Kotak Mahindra General Insurance in FY20:
Car 82.81%, Bike 82.81%, and Commercial Vehicle 82.81%.

3. Network Garages
The company has 1300+ authorized network garages spread across the country where you can get cashless claim settlement.

4.24*7 Customer Assistance
You can contact them for inquiries or complaints 24x7 and also for claim assistance through SMS, emails, and phone call, seven days a week.

5. No Claim bonus
They transfer the no-claim bonus from previous policy (maximum up to 50%) to you.

6.24*7 Roadside Assistance
Add-on benefit to choose 24x7 emergency roadside assistance, which is just a call or click away no matter where you are stuck in India.

7. Zero Depreciation
Avail unlimited benefits of zero depreciation cover, with add-on benefits.

8. Personal Accident Cover:
For Car - up to Rs. 15 Lakh
For Bike - up to Rs. 15 Lakh

9. Third-Party Coverage:
For Car - Up to Rs. 7.5 Lakh (Property Damage)
For Bike - up to Rs. 1 Lakh (Property Damage)

10. Add on Cover
There are multiple add-on covers like Return To Invoice, Engine Protection, Consumables Cover, Emergency Assistance Cover, to downsize your liabilities.



The Company is offering multiple car, bike, & commercial vehicle insurance plans to cater to your different needs. You can choose the one that insures your vehicle in best way. Plans are as follows:

• Comprehensive car insurance
• Third-party car insurance
• Standalone car insurance
• Standalone car insurance exclusions
• Usage-based motor insurance


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