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Kotak Mahindra Pay As You Drive Insurance

The Kotak Pay as You Drive is an additional cover offered under Kotak comprehensive car insurance that allows you to get a discount on own damage renewal premium. Also known as Kotak Meter (Switch On/ Switch Off) car insurance, this add-on is ideal for car owners who drive their cars less frequently.

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      About Kotak Meter Switch On/Off Add-On

      The Kotak Meter (Switch On/Switch Off) Cover allows the policyholder to switch off the OD cover when not using the car. When the vehicle is under use, the cover can be switched on back again.

      For the number of days the switch is off and the car is idle, you will get a discount on own damage premium on the next year's car insurance renewal. This add-on only applies to damage sustained by the car during an accident. The third-party, theft and fire cover will work like a standard comprehensive car plan.

      However, if you claim your accident cover (OD) in your policy period, you will not be eligible for next year's discount.

      How Does Kotak Meter Switch On/Off Add-on Works?

      Using this add-on, a policyholder can switch on the car insurance when it's in use and switch it off when it's not. Here is how this add-on works:

      • Purchase the Kotak comprehensive car insurance policy along with the Pay as you drive add-on
      • Download and install Policybazaar mobile app from Google Play or iOS store.
      • Log in to the app with your registered phone number
      • When you are not driving your car, simply switch off the meter button on the app
      • For the number of reward days, the switch is off, you will receive a discount.
      • Redeem the discount while renewing your car policy next year from

      For every continuous 24-hour period (OD cover) is off, you will be rewarded with 1 bonus day. The discount offered under this add-on is as follows:

      Reward Days
      (Switch off)
      Discount on accident cover (OD cover)
      20 - 60 15%
      61 - 120 25%
      121 - above 40%

      How to Buy Kotak Meter Switch On/Off Add-On?

      Follow the steps mentioned below to purchase a Kotak pay as you drive additional cover:

      • Visit and select “Car Insurance”, from the homepage
      • Enter your car number in the given form and proceed with quotes
      • Enter your vehicle details such as RTO, model, make, variant, registration year
      • Fill in the given registration form
      • You will now find a list of car plans, out of which you will have to choose the Kotak comprehensive car plan that offers a Pay as you drive add-on.
      • Go through policy details and select the plan along with add-on covers
      • Now pay the policy premium via desired payment mode

      After the payment, your Kotak Mahindra car insurance and the Pay as you drive add-on will be issued.


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