Zurich Kotak Commercial Vehicle Insurance

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About Zurich Kotak Commercial Vehicle Insurance

Zurich Kotak commercial vehicles insurance covers vehicles, such as trucks, buses, auto-rickshaws, taxis, etc against damages caused by accidents, theft, natural calamities, and other unforeseen incidents. The Zurich Kotak General Insurance Company (India) Limited is a joint venture between Zurich Insurance Group and Kotak Mahindra Bank that issues this policy for all business-owned vehicles. The company aims to redefine the insurance sector in India with innovative, digital-first solutions tailored to modern needs and offers customized products and services for motor insurance, health insurance, home insurance, etc.

Key Features of Zurich Kotak Commercial Vehicle Insurance

Feature	Coverage/Benefit
Third Party Coverage	Yes
Own Damage Cover	Yes
Add-On Covers	Yes
24x7 Claim Assistance	Yes
Personal Accident Cover	Mandatory of up to ₹15 Lakh

Benefits of Zurich Kotak Commercial Vehicle Insurance

Policyholders can enjoy multiple advantages by opting for a Zurich Kotak commercial vehicle insurance plan:

4600+ network garages for cashless repairs
24/7 Customer Assistance for claims, renewals, and inquiries.
Super fast and completely digital claim process
Several add-ons to extend coverage based on business requirements

Types of Zurich Kotak Commercial Vehicle Insurance

Zurich Kotak General Insurance Company (India) Limited offers two types of commercial vehicle insurance policies that are mentioned below:

Third-Party Commercial Vehicle Insurance: This is a mandatory insurance policy as per the Indian Motor Vehicle Act. A third-party commercial vehicle insurance only covers liabilities arising due to injury or death of any person or damages caused to third-party property.
Comprehensive Commercial Vehicle Insurance: Unlike a third-party insurance, a comprehensive commercial vehicle insurance is not mandatory as per the law. However, it is strongly recommended as it covers both third-party liabilities and own damages due to theft, accidents, natural calamities, etc.

Coverage under Zurich Kotak Commercial Vehicle Insurance

What is Covered?
What is not Covered?

All third-party liabilities
Loss or damage due to fire, explosion, or self-ignition
Damages caused by theft or burglary
Losses incurred due to natural disasters like floods, earthquakes, storms
Any loss or damage caused by man-made events like riots, strikes, and terrorism
Damages caused by accidents and collisions

Regular wear and tear
Electrical and mechanical failures
Driving without a valid license
Damages caused while driving under the influence of drugs/alcohol
Using the insured vehicle for purposes other than permitted use (e.g., private use of a goods carrier)
Losses due to nuclear risks or war
Damages outside the geographical limits of India

Zurich Kotak Commercial Vehicle Insurance Add-Ons

Zurich Kotak commercial vehicle insurance can be purchased with the following add-ons to enhance the coverage at an additional premium:

Zero Depreciation Cover: The zero dep add-on helps policyholders avoid the depreciation cost on the repaired and replaced parts.
Personal Accident Cover: This is a mandatory cover for the owner-driver of up to ₹15 lakh to cover damages caused in case of injury, death, or disablement.
IMT 23: It provides coverage for damages caused to uninsured parts, such as tubes, tyres, etc., after deducting depreciation on the replaced and repaired parts.

How To Buy Zurich Kotak Commercial Vehicle Insurance?

Here are the steps to buy and renew a Zurich Kotak commercial vehicle insurance policy online from Policybazaar Insurance Brokers Pvt. Ltd.:

Visit the homepage of policybazaar.com.
Select "Commercial Vehicle Insurance"
Enter your vehicle registration number or click on "I have a brand new vehicle".
Fill in all the required fields, select the add-ons, IDV, and NCB (in case of renewals)
All the plans will be displayed. Choose the most suitable Zurich Kotak commercial vehicle insurance.
Pay the premium and download the policy instantly.

How To File Zurich Kotak Commercial Vehicle Insurance Claim?

Policyholders can use the steps mentioned below to file a Zurich Kotak commercial vehicle insurance claim:

Claim Intimation

Notify the insurer via the website, app, or toll-free number immediately after the incident.

Vehicle Inspection

The insurer will assign a surveyor to assess the damages.

Document Submission

Provide all the required documents, such as claim form, driving license, RC, etc.

Repair and Claim Settlement

Once the verification is complete, the vehicle will be repaired at a network garage and the claim amount will be settled.

Documents Required for Zurich Kotak Commercial Vehicle Insurance Claim

The following documents must be submitted to file a Zurich Kotak commercial vehicle insurance claim:

Duly filled and signed Claim Form
Registration Certificate (RC) of the vehicle
Valid Driving License
Insurance Policy Copy
Fitness Certificate
Invoice or Repair Bills
FIR Copy (in case of theft, injury, or third-party involvement)
Load Challan / Goods Receipt (if applicable)
Permit and Authorization Certificate (for inter-state transport)

Zurich Kotak Commercial Vehicle Insurance FAQs

Q1. How to download my Shriram commercial vehicle insurance policy?

Ans: You can easily download your Shriram commercial vehicle insurance policy online on the official website of Shriram General Insurance Company or even on insurance broker websites like policybazaar.com.
Q2. What is the Shriram commercial vehicle insurance price?

Ans: The Shriram commercial vehicle insurance price depends on several factors such as make, model, engine capacity, gross vehicle weight, insurance type, etc. However, the premium for third-party commercial vehicle insurance is solely decided by the IRDAI.
Q3. Where can I find the Shriram commercial vehicle insurance claim form?

Ans: You can find the Shriram commercial vehicle insurance claim form from the official website of the insurer. Go to the 'downloads' section to download the claim form.

Q4. What are the steps for Shriram commercial vehicle insurance renewal?

Ans: You can renew your Shriram commercial vehicle online easily from insurance aggregator websites like policybazaar.com. Go to the homepage, select the commercial vehicle insurance tab and fill the required details to instantly renew your commercial vehicle insurance.

View more FAQ’s

Written By: PolicyBazaar

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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