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One of Kotak Mahindra General Insurance's three basic types of car insurance is standalone own-damage coverage. It provides owner-drivers with an extra layer of protection from the hazards on the road. The Kotak Mahindra standalone car insurance reimburses you your own-damage costs in the event of theft, vandalism, fires, explosions, road accidents, and natural and man-made disasters. Unlike third-party insurance, this standalone policy from Kotak Mahindra is optional.
Kotak car insurance is an excellent alternative for getting car insurance. Kotak Mahindra standalone car insurance protects owners against their own damage and accidents. It safeguards your vehicle against natural and man-made disasters. It also includes add-ons like roadside assistance and engine protection, giving you enhanced coverage.
Additional discounts on premium are available through no claim bonus (NCB). You can also get add-ons like depreciation cover, roadside assistance, key replacement, engine protect, tire cover, consumables cover, NCB protect, Loss of personal belongings, return to invoice, and daily car allowance to your Kotak Mahindra standalone car insurance.
Parameters | Kotak Mahindra Comprehensive Car Insurance | Kotak Mahindra Third-Party Car Insurance | Kotak Mahindra Standalone Car Insurance |
Coverage | Under a single price, Kotak Mahindra comprehensive insurance covers both third-party liabilities and own-damage costs. Personal accident insurance is also available as an option. | Third-party liabilities, such as bodily injury, death, and property damage, are covered by Kotak Mahindra third-party insurance. | Kotak Mahindra standalone car insurance covers the car's own-damage costs resulting due to events, including road accidents, theft, etc. In addition, insurance companies reward claim-free years with NCB. |
Add-Ons | Kotak Mahindra's comprehensive car insurance offers many add-on covers. | Add-on coverage is not available with Kotak Mahindra third-party car insurance. | Several add-on covers are available with Kotak Mahindra standalone car insurance. |
Cost | As Kotak Mahindra comprehensive car insurance provides comprehensive coverage for both own-damage and third-party liabilities, the premium amount remains the highest here. | The cheapest policy offered by Kotak Mahindra is third-party automobile insurance, which provides basic coverage. | Kotak Mahindra standalone car insurance is more expensive than third-party coverage, but it provides more coverage. |
Kotak Mahindra standalone car insurance covers the below-mentioned parameters under the policy.
Kotak Mahindra standalone car insurance does not cover the below-mentioned parameters.
The advantages of Kotak Mahindra standalone car insurance are as follows:
Kotak Mahindra offers one of India's greatest car insurance policies. The standalone insurance plan covers both your own vehicle and third-party claims, including vehicle/accessory damage and physical injury/death. Both renewal and claim settlement processes are swift and painless. The organization provides customer service 24 hours a day, seven days a week to address customer concerns and ensure complete customer satisfaction. All of these factors combine to make Kotak Mahindra car insurance policy a compelling offer for customers.
Online method: Bajaj Allianz Car insurance provides a quick and clear solution for all consumers to purchase Bajaj Allianz standalone car insurance online.
Offline method: The traditional method of obtaining and renewing motor vehicle insurance includes:
The key benefits linked with the Bajaj Allianz Standalone Car Insurance are:
These car insurance reviews will offer you an idea of the features that have helped the policyholders secure their wallets in times of need.
No, they are not the same. Comprehensive insurance covers both own and third-party damage, whereas Kotak Mahindra standalone car insurance covers damage or loss to the car and the insured.
You may simply safeguard your own car from damage or loss caused by theft, accident, or any other misfortune with the aid of Kotak Mahindra standalone car insurance protection.
No, the law does not require you to purchase Kotak Mahindra standalone car insurance. However, according to the Indian Motor Tariff Act, all cars operating on India's public roadways must have at least third-party liability insurance.
Kotak Mahindra standalone car insurance can be purchased by any policyholder who has a valid third-party car insurance policy.
Kotak Mahindra standalone car insurance protects policyholders against damage or loss to their own vehicles as a result of an accident, mishap, theft, or other occurrences. Third-party liability insurance, on the other hand, protects third-party property or people in the event of an accident or other catastrophe involving the covered vehicle.