April 09, 2025 - Zurich Kotak
General Insurance, a trusted name for insurance solutions, remains committed to
simplifying policy management for vehicle owners. Losing a critical document
like car insurance can create many roadblocks when filing claims, renewing
policies, or presenting proof during official inspections. As per the Motor
Vehicle, (Amendment) Bill 2016, it is mandatory for every four-wheeler owner to
keep a valid and up-to-date insurance policy document. Being non-compliant with
this can result in legal issues that can lead to a penalty of ₹2,000 or more.
Despite the critical nature
of this, many policyholders are unaware of how it can be seamlessly replaced
with duplicate ones. Understanding the nuances of document retrieval, Zurich
Kotak General Insurance shares the right procedures to obtain a duplicate copy
of your car insurance documents. We have outlined the step-by-step guide that
ensures the policy remains uninterrupted and you can maintain compliance with
regulatory mandates.
Why Your Car Insurance Documents Are Essential
Your car insurance
documents serve as official proof of your policy and overall coverage details.
This legal document is a binding factor between you and your insurer. As
previously highlighted, processing claims can get more challenging with no
document in hand, potentially leading to denials. The document covers details
around your policy coverage, exclusions, Insured Declared Value (IDV), add-on
covers, premium details, and terms of claims settlement. Carrying at least a
duplicate copy of your insurance document is crucial to avoid legal
repercussions from your end. Zurich Kotak General Insurance provides a streamlined
process to receive a duplicate insurance document through online mode.
Obtaining a Duplicate Car Insurance Policy: The
Offline Method
Step 1: File a Police Complaint
The first step is to file a
First Information Report (FIR) at your nearest police station if you have lost
your car insurance documents. This is mainly an official record of the loss,
and it is also a necessary legal step in securing a duplicate copy.
Step 2: Submit an Application to Zurich Kotak
General Insurance
Once your FIR is done, you
can submit a formal application to Zurich Kotak General Insurance requesting a
duplicate copy of the same policy. The application will typically include
details such as policy number, vehicle registration number, personal
information and a brief explanation of your request.
Step 3: Provide an Indemnity Bond
As a part of the security
process, an indemnity bond must be given. This legal document can duly confirm
that you are a rightful policyholder and ready to accept full responsibility
for any dispute arising from the issuance of the duplicate car insurance copy.
It is usually signed by two witnesses.
Step 4: Pay the Necessary Charges
Depending on the policy
terms, a nominal fee may be required to process. You can also reach out to
Zurich Kotak General Insurance’s customer service team. Finally, you will be
issued a duplicate copy of your policy document.
Obtaining a Duplicate Car Insurance Document: The
Online Method
1. Duplicate Documents from the Insurer Portal
Zurich Kotak General
Insurance ensures that policyholders can access their policy documents anytime.
Our user-friendly website allows quick retrieval through a seamless process:
- Visit the Zurich Kotak
General Insurance website and navigate the "Download Policy Copy" section.
- Enter your details such as your policy number, registered
mobile number, or email address.
- Verify your identity via an OTP (One-Time Password) sent to
your registered mobile number or email.
- Download your policy
document instantly,
ensuring uninterrupted access to your insurance details.
2. Contact Customer Care
for Assistance
For those who prefer
personalized support, Zurich Kotak General Insurance provides a dedicated
customer care helpline to facilitate duplicate document requests:
- Call our toll-free
number 1800 266 4545
and request a duplicate policy copy.
- Submit a written
request via email or
postal mail, specifying the policy number and the reason for requesting a
duplicate copy.
- File an affidavit (if
required), confirming the
loss or damage of the original policy.
- Pay a nominal fee (if
applicable), based on policy
terms and conditions.
- Receive your duplicate
policy copy, either via email
or physical mail, as per your preference.
3. Additional Recommendations for Policyholders
Zurich Kotak General
Insurance encourages policyholders to take proactive measures for uninterrupted
policy access:
- Keep a digital copy: Store your car insurance
policy on your phone or
cloud storage for quick retrieval.
- Check your email
inbox: Zurich Kotak
General Insurance often sends policy documents via email at the time of
issuance.
- File an FIR (if lost): If your original policy document is
lost, filing a First Information Report (FIR) can help avoid complications.
- Notify the insurer
immediately: Prompt
communication helps expedite the retrieval process and ensures continued
coverage.
Why Choose Zurich Kotak General Insurance for Car
Insurance?
You need to rely on
insurers that can offer you comprehensive support even when there’s a
documented loss. With Zurich Kotak General Insurance, you can be rest assured
knowing that a streamlined and hassle-free replacement process is available.
Beyond providing a car insurance policy for third-party liability and own
damages, we also seek to enhance digital accessibility to simplify the policy
management process. The real advantage is when:
- You quickly access
policy documents & downloads with no waiting time.
- You can avail yourself
of round-the-clock assistance to resolve queries.
- There’s no need for
physical documentation when the process is paperless.
- Policyholders can opt
for various add-ons alongside their existing insurance.
Zurich Kotak General Insurance Company (India)
Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)
Zurich Kotak General
Insurance Company (India) Limited is a 70:30 joint venture between Zurich
Insurance Group and Kotak Mahindra Bank. The Company its new name ‘’Zurich
Kotak General Insurance Company (India) Limited’’ in the month of August 2024,
following Zurich Insurance Group’s 70% acquisition in Kotak Mahindra General
Insurance Company Limited. It is the youngest and one of the fastest growing
non-life insurance franchises in India.
Kotak General Insurance was
established in 2015 to service the growing non-life insurance segment in India.
The company aims to cater to a wide range of customer segments &
geographies offering an array of non-life insurance products like Motor,
Health, Home etc. As a practice, the company seeks to provide a differentiated
value proposition through customized products and services leveraging state of
art technology and digital infrastructure.