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Kotak Mahindra Standalone Own Damage Car Insurance
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  • 98% Claim settlement ratio

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      Kotak Mahindra Standalone Own Damage Car Insurance

      A Kotak Mahindra Standalone Own Damage car insurance policy provides financial cover for damages to your car caused by natural calamities, accidents, strikes, etc. This policy can be purchased by policyholders who have third-party car insurance and wish to extend coverage to their own car as well.

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      Key Features of Kotak Mahindra Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Offered
      Zero Depreciation cover Yes
      PA Cover Upto Rs. 15 Lakh

      Coverage Under Kotak Mahindra Standalone Own Damage Car Insurance

      • Coverage for electrical/non-electrical accessories is offered
      • Losses arising out of the fire, self-ignition or explosion are compensated for under this cover
      • Damages sustained by the insured vehicle due to natural disasters are covered
      • Car damages arising out of manmade calamities like riots, strikes
      • Coverage for losses arising out of theft or burglary is included under the OD cover
      • Wear, tear and general ageing of the insured vehicle
      • Depreciation or consequential losses are not covered
      • Mechanical or electrical breakdown of the insured car
      • Driving under the influence of drugs or alcohol
      • Any damage sustained by the insured car when the driver was not holding a driving license
      • Third party liabilities like third party property damage, death or injury to the third party
      • Damages arising out of nuclear risk or civil war are not covered

      Add-ons Under Kotak Mahindra Standalone Own Damage Car Insurance

      A Kotak Mahindra own damage car insurance policy can be enhanced by purchasing additional covers at an extra premium. Below mentioned are add-ons offered by Kotak Mahindra car insurance under its OD policy:

      • Roadside Assistance
      • Daily Car Allowance
      • Engine Protect
      • Depreciation Cover
      • Return to Invoice
      • Consumables Cover
      • Tyre Protection Cover
      • Loss of Personal Belongings

      How to Buy Kotak Mahindra Standalone Own Damage Car Insurance Policy?

      Purchasing a Kotak Mahindra OD cover is a pretty easy task if done online. All you need to do is follow the below-mentioned steps:

      • Visit and select ‘Car Insurance’ from the homepage
      • Now enter your car number on the given form
      • Select your car’s make, model, variant, registration year and RTO on the next pages
      • From the given OD car insurance policy, select Kotak Mahindra OD car insurance and check its premium
      • Select any additional cover that you wish to add to your plan. As soon as you select an add-on, your premium will increase
      • Pay the final premium amount via the chosen payment method
      • Once you have paid the premium, your Kotak OD car insurance policy will be issued and mailed to you.

      Documents Required to Raise Kotak Mahindra Standalone Own Damage Claim

      To raise a Kotak Mahindra standalone own damage claim successfully, you will need the following documents:

      • Registration Certificate (RC) copy of the vehicle
      • Own Damage policy copy
      • Drivers driving license
      • FIR Copy (In case of theft and TP claim)
      • Duly filled and signed claim form
      • Repair bills and estimates of repair


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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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