Q1. What is the maximum coverage amount provided by the third party insurance plan?

Ans: The maximum amount provided for third-party property damage is up to Rs. 7.5 Lakh. In case of loss of life of the third party, the full sum insured amount is provided by the insurance company. But if the third-party liabilities are more than this, the policyholder needs to pay them.

Q2. How long does it take for the claim settlement of Zurich Kotak Third Party Car Insurance?

Ans: Usually, the company provides 60 days for the claim settlement of third-party car insurance. If a case is filed in court, it may take more time to get the decision of the court. Therefore, it is a better idea to settle the claim outside of the court by mutual understanding if both parties agree.

Q3. How to claim 3rd party insurance for a car?

Ans: To raise a third party insurance claim, you will be required to file a claim request with the Motor Accidents Claim Tribunal. The MACT will then decide upon the claim amount to be paid to the third party. The insurer will then settle the claim by paying the compensation to the third party.

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Zurich Kotak Third Party Car Insurance

Zurich Kotak (formerly known as Kotak) third party car insurance comes in handy in sticking by the mandatory motor vehicle clause in India. This car insurance policy by Zurich Kotak General Insurance Company provides coverage for property damage, accidental injury, disability, or death of a third party due to an accident caused by the insured car.

Benefits of Zurich Kotak Third Party Car Insurance

The benefits of this third-party car insurance plan are as follows.

Covers Death: The third-party car insurance policy provides coverage for legal liabilities of the third party due to accidental disability or death.
Covers Property Damage: The Zurich Kotak third party car insurance plan offers coverage for property damage of a third party in an accident.
PA Cover: This car insurance plan can also be enhanced with a Personal Accident Cover for the driver or owner of the car.
Fulfils Mandatory Requirement: Purchasing a Zurich Kotak third party car insurance policy also fulfils the legal mandate of having a car insurance policy.

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Coverage Under Zurich Kotak Third Party Car Insurance

Inclusions
Exclusions

Death of the third person involved in an accident with the insured car
Disability or bodily injury of the third person
Third Party property or vehicle damage
Personal Accident cover for death or disability of the owner/driver of the insured car

Damage caused to the insured car due to accidents, collisions, natural and manmade disasters
Theft of the insured car is also not covered under the TP coverage
Losses arising out of theft of the insured four-wheeler
Accidents arising as a result of drunk driving or driving without a valid licence

How to Purchase Zurich Kotak Third Party Car Insurance Policy?

Follow the steps mentioned below to get a Zurich Kotak third party insurance policy online:

Visit Policybazaar.com and select the “Car Insurance” tab from the website
On the form, enter your four-wheeler number and proceed
Now select your car’s RTO, make, model, variant and registration year
Fill in the registration form and proceed
You will now be shown multiple car insurance quotes. Choose the Zurich Kotak third party plan from the list
Pay the final premium amount using online mode of payment
Once you have made the final payment, your third party insurance policy document will be mailed to you.

Documents Required to Raise a Zurich Kotak Third Party Car Insurance Claim

Make sure to keep these documents handy while raising a third party insurance claim:

Vehicle registration copy
Third party car insurance policy copy
Valid ID proof of the policyholder
Driving licence of the driver
FIR copy
Duly signed and filled claim form

FAQs

Q1. What is the maximum coverage amount provided by the third party insurance plan?

Ans: The maximum amount provided for third-party property damage is up to Rs. 7.5 Lakh. In case of loss of life of the third party, the full sum insured amount is provided by the insurance company. But if the third-party liabilities are more than this, the policyholder needs to pay them.
Q2. How long does it take for the claim settlement of Zurich Kotak Third Party Car Insurance?

Ans: Usually, the company provides 60 days for the claim settlement of third-party car insurance. If a case is filed in court, it may take more time to get the decision of the court. Therefore, it is a better idea to settle the claim outside of the court by mutual understanding if both parties agree.
Q3. How to claim 3rd party insurance for a car?

Ans: To raise a third party insurance claim, you will be required to file a claim request with the Motor Accidents Claim Tribunal. The MACT will then decide upon the claim amount to be paid to the third party. The insurer will then settle the claim by paying the compensation to the third party.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in