IRDAI product register · general insurance

Zurich Kotak General Insurance Policy Wordings

IRDAI's non-life product register lists 47 Zurich Kotak products and 387 add-ons, approved 2015 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

Zurich Kotak General Insurance, formerly Kotak Mahindra General Insurance. The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Marine · Workmen compensation · Money, fidelity and crime · Motor · Specialty: title, warranty, drones and more

Fire and property (7)

Product	UIN	Approved	Policy wording
Kotak Burglary Secure	IRDAN152P0007V01201617	31 Oct 2016	Wording
Kotak Fire Secure	IRDAN152P0009V01201617	31 Oct 2016	Wording
Kotak Industrial All Risks Insurance	IRDAN152P0077V01201718	10 Aug 2017	Wording
Kotak Plate Glass Insurance	IRDAN152RP0026V01202122	7 Oct 2021	Wording
Kotak Shop Secure (Bharat Sookshma Udyam Suraksha)	IRDAN152RP0011V02201920	29 Apr 2021	Wording
Kotak Signage Insurance	IRDAN152RP0025V01202122	7 Oct 2021	Wording
MEGA RISKS INSURANCE	IRDAN152P0165V01201718	20 Mar 2018	Wording

Shop, office, home and business packages (4)

Product	UIN	Approved	Policy wording
Kotak All Risks Secure 4 add-ons FIRST LOSS BASIS CLAUSE Add-On under Kotak All Risks Secure IRDAN152RP0001V01201819/A0005V01201819 · 1 Oct 2018 Wording GEOGRAPHICAL SCOPE Add-On under Kotak All Risks Secure IRDAN152RP0001V01201819/A0003V01201819 · 1 Oct 2018 Wording MECHANICAL OR ELECTRICAL DERANGEMENTBREAKDOWN Add-On under Kotak All Risks Secure IRDAN152RP0001V01201819/A0002V01201819 · 1 Oct 2018 Wording TERRORISM DAMAGE COVER Add-On under Kotak All Risks Secure IRDAN152RP0001V01201819/A0004V01201819 · 1 Oct 2018 Wording	IRDAN152RP0001V01201819	1 Oct 2018	Wording
Kotak Home Secure	IRDAN152RP0010V02201617	29 Apr 2021	Wording
Kotak Home Secure	IRDAN152P0010V01201617	27 Mar 2017	Wording
Kotak Shop Secure 43 add-ons Kotak Shop Secure - Section I - Additional expenses of rent for an alternative accommodation IRDAN152RP0011V01201920/A0065V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Architects, Surveyors And Consulting Engineers Fees IRDAN152RP0011V01201920/A0055V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Earthquake (fire and shock) IRDAN152RP0011V01201920/A0060V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Escalation Clause IRDAN152RP0011V01201920/A0053V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Floater Clause IRDAN152RP0011V01201920/A0054V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Forest fire IRDAN152RP0011V01201920/A0057V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Impact damage due to insured’s own rail/road vehicles IRDAN152RP0011V01201920/A0070V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Leakage cover IRDAN152RP0011V01201920/A0062V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Loss of rent clause IRDAN152RP0011V01201920/A0064V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Omission to insure additions, alterations or extensions IRDAN152RP0011V01201920/A0059V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Removal Of Debris (In Excess Of 1% Of The Claim Amount) IRDAN152RP0011V01201920/A0056V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Spoilage material damage cover IRDAN152RP0011V01201920/A0061V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Spontaneous combustion IRDAN152RP0011V01201920/A0058V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Start up expenses IRDAN152RP0011V01201920/A0066V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Temporary removal of stocks clause IRDAN152RP0011V01201920/A0063V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section I - Terrorism damage inclusion endorsement IRDAN152RP0011V01201920/A0067V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section II - Claims preparation cost IRDAN152RP0011V01201920/A0072V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section II - Earthquake (fire and shock) IRDAN152RP0011V01201920/A0074V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section II - Ingress/egress IRDAN152RP0011V01201920/A0073V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section II - Professional accountant fees IRDAN152RP0011V01201920/A0071V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section II - Terrorism Damage Cover Endorsement IRDAN152RP0011V01201920/A0075V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section III - First loss basis clause IRDAN152RP0011V01201920/A0078V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section III - Riot, strike and malicious damage IRDAN152RP0011V01201920/A0077V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section III - Theft cover IRDAN152RP0011V01201920/A0076V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section IV - Terrorism damage inclusion endorsement IRDAN152RP0011V01201920/A0079V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VI - Geographical scope - worldwide IRDAN152RP0011V01201920/A0080V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VI - Mechanical or electrical breakdown IRDAN152RP0011V01201920/A0081V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Assault risk IRDAN152RP0011V01201920/A0082V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Cash kept overnight at key person’s house IRDAN152RP0011V01201920/A0089V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Damage to safe IRDAN152RP0011V01201920/A0086V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Extension to cover off roll/ contractor’s employees IRDAN152RP0011V01201920/A0083V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Infidelity of cash carrying employees IRDAN152RP0011V01201920/A0088V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Loss of personal effects of employees IRDAN152RP0011V01201920/A0090V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Strike, riot and civil commotion IRDAN152RP0011V01201920/A0084V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Terrorism damage cover IRDAN152RP0011V01201920/A0091V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Theft IRDAN152RP0011V01201920/A0085V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VII - Use of duplicate key IRDAN152RP0011V01201920/A0087V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section VIII - Additional expenses extension IRDAN152RP0011V01201920/A0102V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Section XI - Geographical scope - worldwide IRDAN152RP0011V01201920/A0103V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Terrorism damage cover endorsement IRDAN152RP0011V01201920/A0105V01201920 · 16 Feb 2020 Wording Kotak Shop Secure - Terrorism damage inclusion endorsement IRDAN152RP0011V01201920/A0104V01201920 · 16 Feb 2020 Wording KotakShopSecure-SectionI-Deteriorationofstocks in cold storage premises due to change in temperature IRDAN152RP0011V01201920/A0069V01201920 · 16 Feb 2020 Wording KotakShopSecure-SectionI-Deteriorationofstocksincoldstorage premises due to accidental power failure IRDAN152RP0011V01201920/A0068V01201920 · 16 Feb 2020 Wording	IRDAN152RP0011V01201920	31 Jul 2019	Wording

Engineering (3)

Product	UIN	Approved	Policy wording
Kotak Contractor's All Risk Insurance	IRDAN152P0164V01201718	19 Mar 2018	Wording
Kotak Erection All Risk Insurance	IRDAN152P0128V01201718	5 Mar 2018	Wording
Kotak Machinery Loss of Profits Insurance	IRDAN152RP0013V01202223	29 Jul 2022	Wording

Liability (5)

Product	UIN	Approved	Policy wording
Kotak Maxima Commercial General Liability Insurance	IRDAN152RP0012V01202223	13 Jul 2022	Wording
Kotak Maxima Directors and Officers Liability Insurance	IRDAN152RP0017V01202223	26 Aug 2022	Wording
Kotak Maxima Product Liability Insurance	IRDAN152RP0019V01202223 t	22 Sep 2022	Wording
Kotak Maxima Public Liability Insurance	IRDAN152RP0018V01202223	22 Sep 2022	Wording
Kotak Public Liability (Act) Insurance	IRDAN152P0126V01201718	30 Jan 2018	Wording

Marine (1)

Product	UIN	Approved	Policy wording
Kotak Marine Cargo Insurance - Retail	IRDAN152RP0001V01202223	8 Jun 2022	Wording

Workmen compensation (1)

Product	UIN	Approved	Policy wording
Kotak Employees Compensation Insurance	IRDAN152P0076V01201718	26 Jul 2017	Wording

Money, fidelity and crime (2)

Product	UIN	Approved	Policy wording
Kotak Fidelity Guarantee Insurance	IRDAN152P0127V01201718	8 Feb 2018	Wording
Kotak Money Secure	IRDAN152P0129V01201718	6 Mar 2018	Wording

Motor (23)

Product	UIN	Approved	Policy wording
Kotak Car Secure 11 add-ons Key Replacement Add On cover Under Kotak Car Secure IRDAN152RP0006V02201516/A0026V01201819 · 10 Sep 2018 Wording Kotak Car Secure - Additional PA cover for Owner Driver IRDAN152RP0006V02201516/A0092V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Additional PA cover for Passengers IRDAN152RP0006V02201516/A0093V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Additional Towing charges IRDAN152RP0006V02201516/A0098V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Courtesy Car Reimbursement IRDAN152RP0006V02201516/A0097V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Emergency Hotel and Taxi Expenses IRDAN152RP0006V02201516/A0095V01201920 · 16 Feb 2020 Wording Kotak Car Secure - EMI Protect IRDAN152RP0006V02201516/A0096V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Hospital Cash Benefit IRDAN152RP0006V02201516/A0094V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Loan Protect IRDAN152RP0006V02201516/A0044V01201920 · 16 Feb 2020 Wording Kotak Car Secure - Medical Expenses due to Accident IRDAN152RP0006V02201516/A0043V01201920 · 16 Feb 2020 Wording Loss of Personal Belongings Add On cover Under Kotak Car Secure IRDAN152RP0006V02201516/A0025V01201819 · 10 Sep 2018 Wording	IRDAN152RP0006V02201516	28 Sep 2018	Wording
Kotak Car Secure – 3 Years 5 add-ons Add-on Covers to Kotak Car Secure - Consumables Cover – 3 Years IRDAN152RP0008V01201819/A0013V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Depreciation Cover – 3 Years IRDAN152RP0008V01201819/A0012V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Engine Protect – 3 Years IRDAN152RP0008V01201819/A0014V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Return to Invoice – 3 Years IRDAN152RP0008V01201819/A0015V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Roadside Assistance – 3 Years IRDAN152RP0008V01201819/A0016V01201819 · 10 Sep 2018 Wording	IRDAN152RP0008V01201819	30 Aug 2018	Wording
Kotak Car Secure – Bundled 10 add-ons Add-on Covers to Kotak Car Secure - Bundled - Daily Car Allowance IRDAN152RP0010V01201819/A0004V01201920 · 29 May 2019 Wording Add-on Covers to Kotak Car Secure - Bundled - Key Replacement IRDAN152RP0010V01201819/A0002V01201920 · 29 May 2019 Wording Add-on Covers to Kotak Car Secure - Bundled - Loss of personal belongings IRDAN152RP0010V01201819/A0001V01201920 · 29 May 2019 Wording Add-on Covers to Kotak Car Secure - Bundled - NCB Protect IRDAN152RP0010V01201819/A0005V01201920 · 29 May 2019 Wording Add-on Covers to Kotak Car Secure - Bundled - Tyre Cover IRDAN152RP0010V01201819/A0003V01201920 · 29 May 2019 Wording Add-on Covers to Kotak Car Secure - Consumables Cover (Bundled) IRDAN152RP0010V01201819/A0018V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Depreciation Cover (Bundled) IRDAN152RP0010V01201819/A0017V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Engine Protect (Bundled) IRDAN152RP0010V01201819/A0019V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Return to Invoice (Bundled) IRDAN152RP0010V01201819/A0020V01201819 · 10 Sep 2018 Wording Add-on Covers to Kotak Car Secure - Roadside Assistance (Bundled) IRDAN152RP0010V01201819/A0021V01201819 · 10 Sep 2018 Wording	IRDAN152RP0010V01201819	30 Aug 2018	Wording
Kotak Car Secure – Bundled - Motor Package 9 add-ons Add-on Covers to Kotak Car Secure - Bundled - Additional PA Cover for Owner Driver IRDAN152RP0010V02201819/A0001V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Additional PA Cover for Passengers IRDAN152RP0010V02201819/A0002V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Additional Towing Charges IRDAN152RP0010V02201819/A0007V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Courtesy Car Reimbursement IRDAN152RP0010V02201819/A0006V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Emergency Hotel and Taxi Expenses IRDAN152RP0010V02201819/A0004V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - EMI Protect IRDAN152RP0010V02201819/A0005V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Hospital Cash Benefit IRDAN152RP0010V02201819/A0003V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Loan Protect IRDAN152RP0010V02201819/A0008V01202122 · 26 Apr 2021 Wording Add-on Covers to Kotak Car Secure - Bundled - Medical expenses due to Accident IRDAN152RP0010V02201819/A0009V01202122 · 26 Apr 2021 Wording	IRDAN152RP0010V02201819	17 Oct 2018	Wording
Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) 15 add-ons Kotak Commercial Vehicle Secure (GCV) - Cover for expenses towards transhipment and vehicle recovery IRDAN152RP0008V02201516/A0101V01201920 · 31 Mar 2020 Wording Kotak Commercial Vehicle Secure (GCV) - Loan Protect IRDAN152RP0008V02201516/A0100V01201920 · 31 Mar 2020 Wording Kotak Commercial Vehicle Secure (GCV) - Medical Expenses due to Accident IRDAN152RP0008V02201516/A0099V01201920 · 31 Mar 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Additional PA Cover for Owner Driver IRDAN152RP0008V02201516/A0036V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Additional Towing charges IRDAN152RP0008V02201516/A0039V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Consumables Cover IRDAN152RP0008V02201516/A0030V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Depreciation Cover IRDAN152RP0008V02201516/A0029V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - EMI Protect IRDAN152RP0008V02201516/A0038V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Engine Protect IRDAN152RP0008V02201516/A0031V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Hospital Cash Benefit IRDAN152RP0008V02201516/A0037V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Key Replacement IRDAN152RP0008V02201516/A0034V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Loss of Income IRDAN152RP0008V02201516/A0040V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - NCB Protect IRDAN152RP0008V02201516/A0035V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Return to Invoice IRDAN152RP0008V02201516/A0032V01201920 · 30 Jan 2020 Wording Kotak Commercial Vehicle Secure (Goods Carrying Vehicle) - Road Side Assistance IRDAN152RP0008V02201516/A0033V01201920 · 30 Jan 2020 Wording	IRDAN152RP0008V02201516	3 Dec 2015	Wording
Kotak Commercial Vehicle Secure (Misc D)	IRDAN152RP0007V02201516	28 Sep 2018	Wording
Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) 16 add-ons Consumable Cover Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0033V01201819 · 10 Sep 2018 Wording Depreciation Cover Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0032V01201819 · 10 Sep 2018 Wording Engine Protect Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0034V01201819 · 10 Sep 2018 Wording Key Replacement Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0037V01201819 · 10 Sep 2018 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Additional PA Cover for Owner Driver IRDAN152RP0009V02201516/A0047V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Additional PA cover for Passengers IRDAN152RP0009V02201516/A0048V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Additional Towing charges IRDAN152RP0009V02201516/A0051V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - EMI Protect IRDAN152RP0009V02201516/A0050V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Hospital Cash Benefit IRDAN152RP0009V02201516/A0049V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Loss of Income IRDAN152RP0009V02201516/A0052V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) - Tyre Cover IRDAN152RP0009V02201516/A0045V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (Passenger Carrying Vehicle) – NCB Protect IRDAN152RP0009V02201516/A0046V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (PCV) - Loan Protect IRDAN152RP0009V02201516/A0042V01201920 · 16 Feb 2020 Wording Kotak Commercial Vehicle Secure (PCV) - Medical Expenses due to Accident IRDAN152RP0009V02201516/A0041V01201920 · 16 Feb 2020 Wording Return to Invoice Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0035V01201819 · 10 Sep 2018 Wording Roadside Assistance Add On cover Under Kotak Commercial Vehicle Secure (PCV) IRDAN152RP0009V02201516/A0036V01201819 · 10 Sep 2018 Wording	IRDAN152RP0009V02201516	3 Dec 2015	Wording
Kotak Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN152RP0038V03201819	13 May 2021	Wording
Kotak Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN152RP0038V02201819	16 Jan 2019	Wording
Kotak Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN152RP0038V01201819	28 Dec 2018	Wording
Kotak Corporate Vehicle Secure	IRDAN152P0001V01201617	4 Jul 2016	Wording
Kotak Corporate Vehicle Secure-CONSUMABLE COVER	IRDAN152A0006V01201617	18 Oct 2016	Wording
Kotak Corporate Vehicle Secure-Depreciation Cover	IRDAN152A0002V01201617	18 Oct 2016	Wording
Kotak Corporate Vehicle Secure-ENGINE PROTECT	IRDAN152A0005V01201617	18 Oct 2016	Wording
Kotak Corporate Vehicle Secure-RETURN TO INVOICE	IRDAN152A0004V01201617	18 Oct 2016	Wording
Kotak Corporate Vehicle Secure-Road Side assistance (applicable only for Private Vehicle)	IRDAN152A0003V01201617	18 Oct 2016	Wording
Kotak Long Term Two Wheeler Secure 5 add-ons Consumable Cover Add On cover Under Kotak Long Term Two Wheeler IRDAN152RP0008V02201617/A0027V01201819 · 10 Sep 2018 Wording Depreciation Cover Add On cover Under Kotak Long Term Two Wheeler IRDAN152RP0008V02201617/A0031V01201819 · 10 Sep 2018 Wording Engine Protect Add On cover Under Kotak Long Term Two Wheeler IRDAN152RP0008V02201617/A0028V01201819 · 10 Sep 2018 Wording Garage Cash Add On cover Under Kotak Long Term Two Wheeler IRDAN152RP0008V02201617/A0030V01201819 · 10 Sep 2018 Wording Return to Invoice Add On cover Under Kotak Long Term Two Wheeler IRDAN152RP0008V02201617/A0029V01201819 · 10 Sep 2018 Wording	IRDAN152RP0008V02201617	23 Jun 2016	Wording
Kotak Long Term Two Wheeler Secure	IRDAN152P0008V01201617	31 Oct 2016	Wording
Kotak Long Term Two Wheeler Secure (Liability Only) – 5 years	IRDAN152RP0007V01201819	30 Aug 2018	Wording
Kotak Long Term Two Wheeler Secure – 5 Years	IRDAN152RP0009V01201819	30 Aug 2018	Wording
Kotak Long Term Two Wheeler Secure – Bundled 5 add-ons Add on Covers to Kotak Long Term Two Wheeler Secure - Bundled - Consumable cover IRDAN152RP0011V01201819/A0006V01201920 · 29 May 2019 Wording Add on Covers to Kotak Long Term Two Wheeler Secure - Bundled- Engine Protect IRDAN152RP0011V01201819/A0007V01201920 · 29 May 2019 Wording Add on Covers to Kotak Long Term Two Wheeler Secure -Bundled- Depreciation cover IRDAN152RP0011V01201819/A0010V01201920 · 29 May 2019 Wording Add on Covers to Kotak Long Term Two Wheeler Secure -Bundled- Garage Cash IRDAN152RP0011V01201819/A0009V01201920 · 29 May 2019 Wording Add on Covers to Kotak Long Term Two Wheeler Secure -Bundled- Return to Invoice IRDAN152RP0011V01201819/A0008V01201920 · 29 May 2019 Wording	IRDAN152RP0011V01201819	30 Aug 2018	Wording
Liability Only (Private Car) – 3 years	IRDAN152RP0006V02201819	15 Oct 2018	Wording
Liability Only (Private Car) – 3 years	IRDAN152RP0006V01201819	30 Aug 2018	Wording

Specialty: title, warranty, drones and more (1)

Product	UIN	Approved	Policy wording
Kotak Extended Warranty Insurance	IRDAN152RP0026V01202223	19 Oct 2022	Wording

Add-ons filed on their own (264)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Add on Covers to KBSUS-Accidental Damage	IRDAN152RP0004V01202021/A0017V01202122	17 Sep 2021	Wording
Add on Covers to KBSUS-Involuntary betterment/technological advancement	IRDAN152RP0004V01202021/A0018V01202122	17 Sep 2021	Wording
Add on Covers to KBSUS-Loss Minimisation	IRDAN152RP0004V01202021/A0019V01202122	17 Sep 2021	Wording
Add on Covers to KBSUS-Loss of Rent/Rent for Alternate Accomodation	IRDAN152RP0004V01202021/A0016V01202122	17 Sep 2021	Wording
Add on Covers to KBSUS-Removal of Debris	IRDAN152RP0004V01202021/A0015V02202122	2 Nov 2021	Wording
Add on Covers to Kotak Bharat Griha Raksha - Incidental Expenses	IRDAN152RP0002V01202021/A0014V01202223	26 Aug 2022	Wording
Add on Covers to Kotak Bharat Griha Raksha - Landscaping expenses	IRDAN152RP0002V01202021/A0015V01202223	26 Aug 2022	Wording
Add on Covers to Kotak Bharat Griha Raksha - Tenants Liability	IRDAN152RP0002V01202021/A0016V01202223	26 Aug 2022	Wording
Add on Covers to Kotak Bharat Griha Raksha- Accidental Damage	IRDAN152RP0002V01202021/A0011V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Griha Raksha- Additional Living Expenses	IRDAN152RP0002V01202021/A0014V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Griha Raksha- Involuntary betterment/ technological advancement	IRDAN152RP0002V01202021/A0012V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Griha Raksha- Loss Minimisation	IRDAN152RP0002V01202021/A0013V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Griha Raksha- Removal of Debris	IRDAN152RP0002V01202021/A0010V02202122	2 Nov 2021	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha - Additional startup/ shut down expenses	IRDAN152RP0003V01202021/A0009V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha - Escalation	IRDAN152RP0003V01202021/A0007V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha - Incidental Expenses	IRDAN152RP0003V01202021/A0008V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha - Minor works	IRDAN152RP0003V01202021/A0010V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha - Undamaged property	IRDAN152RP0003V01202021/A0011V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha-Accidental Damage	IRDAN152RP0003V01202021/A0022V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha-Involuntary betterment/technologicaladvancement	IRDAN152RP0003V01202021/A0023V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha-Loss of Rent/Rent for Alternate Accomodation	IRDAN152RP0003V01202021/A0021V01202122	17 Sep 2021	Wording
Add on Covers to Kotak Bharat Laghu Udyam Suraksha-Removal of Debris	IRDAN152RP0003V01202021/A0020V02202122	2 Nov 2021	Wording
Add on Covers to Kotak Bharat Sookshma Udyam Suraksha - Additional startup/ shut down expenses	IRDAN152RP0004V01202021/A0004V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Sookshma Udyam Suraksha - Escalation	IRDAN152RP0004V01202021/A0002V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Sookshma Udyam Suraksha - Incidental Expenses	IRDAN152RP0004V01202021/A0003V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Sookshma Udyam Suraksha - Minor Works	IRDAN152RP0004V01202021/A0005V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Bharat Sookshma Udyam Suraksha - Undamaged property	IRDAN152RP0004V01202021/A0006V01202223	12 Jul 2022	Wording
Add on Covers to Kotak Fire Secure - Accidental damage cover	IRDAN152CP0011V01201920/A0160V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Accounts receivable	IRDAN152CP0011V01201920/A0162V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Additional customs duty	IRDAN152CP0011V01201920/A0181V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Ammonia contamination	IRDAN152CP0011V01201920/A0209V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Automatic reinstatement clause	IRDAN152CP0011V01201920/A0183V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Contingent duty clause	IRDAN152CP0011V01201920/A0187V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Damage to building (occasioned by theft)	IRDAN152CP0011V01201920/A0200V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Demolition and increased cost of construction	IRDAN152CP0011V01201920/A0184V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Destruction cost	IRDAN152CP0011V01201920/A0188V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Dewatering expenses	IRDAN152CP0011V01201920/A0161V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Electrical apparatus clause	IRDAN152CP0011V01201920/A0164V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Employee’s personal property/ effect	IRDAN152CP0011V01201920/A0165V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Errors and omissions and mis-description clause	IRDAN152CP0011V01201920/A0182V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Export tax benefits	IRDAN152CP0011V01201920/A0199V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Floater insurance – unspecified locations	IRDAN152CP0011V01201920/A0178V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Growing plants, crops and trees, landscaping	IRDAN152CP0011V01201920/A0166V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Inadvertent omission	IRDAN152CP0011V01201920/A0170V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Merger and acquisition	IRDAN152CP0011V01201920/A0207V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Minor works	IRDAN152CP0011V01201920/A0196V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Mould & fungi endorsement	IRDAN152CP0011V01201920/A0204V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - New location cover	IRDAN152CP0011V01201920/A0180V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Obsolete equipment clause	IRDAN152CP0011V01201920/A0176V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Operational testing	IRDAN152CP0011V01201920/A0210V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Original equipment manufacturer	IRDAN152CP0011V01201920/A0211V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Professional fees clause	IRDAN152CP0011V01201920/A0191V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Property in transit	IRDAN152CP0011V01201920/A0171V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Repeat tests	IRDAN152CP0011V01201920/A0190V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Fire Secure - Vessel impact to jetty	IRDAN152CP0011V01201920/A0206V01201920	16 Jul 2019	Wording
Add on Covers to Kotak Two Wheeler Secure - OD Only - Consumable cover	IRDAN152RP0013V01201920/A0024V01201920	17 Jul 2019	Wording
Add on Covers to Kotak Two Wheeler Secure - OD Only - Depreciation cover	IRDAN152RP0013V01201920/A0028V01201920	17 Jul 2019	Wording
Add on Covers to Kotak Two Wheeler Secure - OD Only - Engine Protect	IRDAN152RP0013V01201920/A0025V01201920	17 Jul 2019	Wording
Add on Covers to Kotak Two Wheeler Secure - OD Only - Garage Cash	IRDAN152RP0013V01201920/A0027V01201920	17 Jul 2019	Wording
Add on Covers to Kotak Two Wheeler Secure - OD Only - Return to Invoice	IRDAN152RP0013V01201920/A0026V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Consumables Cover	IRDAN152RP0012V01201920/A0015V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Daily Car Allowance	IRDAN152RP0012V01201920/A0022V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Depreciation Cover	IRDAN152RP0012V01201920/A0014V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Engine Protect	IRDAN152RP0012V01201920/A0016V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Key Replacement	IRDAN152RP0012V01201920/A0020V01201920	17 Jul 2019	Wording
Add-on covers to Kotak Car Secure – OD Only - Loan Protect	IRDAN152RP0012V01201920/A0027V01202122	2 Dec 2021	Wording
Add-on Covers to Kotak Car Secure – OD Only - Loss of Personal Belongings	IRDAN152RP0012V01201920/A0019V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - NCB Protect	IRDAN152RP0012V01201920/A0023V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Return to Invoice	IRDAN152RP0012V01201920/A0017V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Roadside Assistance	IRDAN152RP0012V01201920/A0018V01201920	17 Jul 2019	Wording
Add-on Covers to Kotak Car Secure – OD Only - Tyre Cover	IRDAN152RP0012V01201920/A0021V01201920	17 Jul 2019	Wording
Additional Customs Duty Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0172V01201718	23 Mar 2018	Wording
Additional Customs Duty-Add on cover under KOTAK CPM	IRDAN152A0025V01201718	12 Jun 2017	Wording
Additional Customs Duty-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0102V01201718	31 Aug 2017	Wording
Additional Customs Duty-Add-on cover under KOTAK EEI	IRDAN152A0049V01201718	12 Jun 2017	Wording
Additional Customs Duty-Add-on cover under KOTAK MBD	IRDAN152A0065V01201718	12 Jun 2017	Wording
Additional Customs Duty-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0010V01201718	12 Jun 2017	Wording
Additional Customs DutyAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0136V01201718	15 Mar 2018	Wording
Additional Increased Cost of Working-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0091V01201718	31 Aug 2017	Wording
Air Freight extra Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0169V01201718	23 Mar 2018	Wording
Air Freight extra Add-On under Kotak Erection All Risk Insurance	IRDAN152A0133V01201718	15 Mar 2018	Wording
Air Freight-Add on cover under KOTAK CPM	IRDAN152A0022V01201718	12 Jun 2017	Wording
Air Freight-Add-on cover under KOTAK EEI	IRDAN152A0046V01201718	12 Jun 2017	Wording
Air Freight-Add-on cover under KOTAK MBD	IRDAN152A0062V01201718	12 Jun 2017	Wording
Air Freight-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0007V01201718	12 Jun 2017	Wording
Architects', Surveyors' and Consulting Engineers' Fees Clause -Add On under Kotak IAR	IRDAN152A0079V01201718	31 Aug 2017	Wording
Automatic Reinstatement Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0175V01201718	23 Mar 2018	Wording
Automatic Reinstatement Clause-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0107V01201718	31 Aug 2017	Wording
Automatic ReinstatementAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0139V01201718	15 Mar 2018	Wording
Brand / Trademarks-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0097V01201718	31 Aug 2017	Wording
Breakage of glass cover Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0180V01201718	23 Mar 2018	Wording
Capital Additions / Newly Acquired Property / Interest-Add On under Kotak IAR	IRDAN152A0096V01201718	31 Aug 2017	Wording
Catalysts and Consumable interests in process -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0110V01201718	31 Aug 2017	Wording
Cessation of Work Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0186V01201718	23 Mar 2018	Wording
Cessation of WorkAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0149V01201718	15 Mar 2018	Wording
Claim Investigation cost-Add on cover under KOTAK CPM	IRDAN152A0035V01201718	12 Jun 2017	Wording
Claim Investigation cost-Add-on cover under KOTAK EEI	IRDAN152A0058V01201718	12 Jun 2017	Wording
Claim Investigation cost-Add-on cover under KOTAK MBD	IRDAN152A0074V01201718	12 Jun 2017	Wording
Claim Investigation cost-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0019V01201718	12 Jun 2017	Wording
Claims Preparation Cost Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0190V01201718	23 Mar 2018	Wording
Claims Preparation Cost-Add on cover under KOTAK CPM	IRDAN152A0032V01201718	12 Jun 2017	Wording
Claims Preparation Cost-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0087V01201718	31 Aug 2017	Wording
Claims Preparation Cost-Add-on cover under KOTAK EEI	IRDAN152A0055V01201718	12 Jun 2017	Wording
Claims Preparation Cost-Add-on cover under KOTAK MBD	IRDAN152A0071V01201718	12 Jun 2017	Wording
Claims Preparation Cost-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0016V01201718	12 Jun 2017	Wording
Claims Preparation CostAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0153V01201718	15 Mar 2018	Wording
Clarance and Removal of Debris-Add on cover under KOTAK CPM	IRDAN152A0026V01201718	12 Jun 2017	Wording
Clearance and Removal of Debris Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0171V01201718	23 Mar 2018	Wording
Clearance and Removal of DebrisAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0135V01201718	15 Mar 2018	Wording
Consumables Cover Add-On cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0012V02201516	3 Dec 2015	Wording
Contamination and Co-mingling of stocks -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0109V01201718	31 Aug 2017	Wording
Continuity of cover during operational phase Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0184V01201718	23 Mar 2018	Wording
Continuity of cover during operational phaseAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0146V01201718	15 Mar 2018	Wording
Contract Works-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0112V01201718	31 Aug 2017	Wording
Contractor’s Plant and Machinery Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0185V01201718	23 Mar 2018	Wording
Contractor’s Plant and MachineryAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0148V01201718	15 Mar 2018	Wording
Cost of re-writing records clause/ Valuable Plans and Documents-Add On under Kotak IAR	IRDAN152A0117V01201718	31 Aug 2017	Wording
Cover for External Debris Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0195V01201718	23 Mar 2018	Wording
Cover for External DebrisAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0158V01201718	15 Mar 2018	Wording
Cover for Mobile and Portable Equipments Outside the premises-Add on cover under KOTAK CPM	IRDAN152A0033V01201718	12 Jun 2017	Wording
Cover for Mobile and Portable Equipments Outside the premises-Add-on cover under KOTAK EEI	IRDAN152A0056V01201718	12 Jun 2017	Wording
Cover for Mobile and Portable Equipments Outside the premises-Add-on cover under KOTAK MBD	IRDAN152A0072V01201718	12 Jun 2017	Wording
Cover for Mobile and Portable Equipments Outside the premises-Add-on under BPP INSURANCE	IRDAN152A0017V01201718	12 Jun 2017	Wording
Cover for offsite storage Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0183V01201718	23 Mar 2018	Wording
Cover for offsite storageAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0145V01201718	15 Mar 2018	Wording
Cover of Extra Charges for Overtime, Night Work, Express Freight excluding Air Freight (CAR)	IRDAN152A0168V01201718	23 Mar 2018	Wording
Cover of Extra Charges for Overtime, Night Work, Work on Public Holidays, Express Freight excluding	IRDAN152A0132V01201718	15 Mar 2018	Wording
CPM Equipments Mounted on Floating Vessel-Add on cover under KOTAK CPM	IRDAN152A0040V01201718	12 Jun 2017	Wording
Customer’s Extension-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0120V01201718	31 Aug 2017	Wording
Daily Car Allowance Add-on cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0023V01201819	11 Apr 2018	Wording
Decontamination and Cost of Clean Up Expenses-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0089V01201718	31 Aug 2017	Wording
Deletion of Exception 'K' of the policy-Add on cover under KOTAK CPM	IRDAN152A0039V01201718	12 Jun 2017	Wording
Demolition and Increased Cost of Construction-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0108V01201718	31 Aug 2017	Wording
Denial of Access-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0114V01201718	31 Aug 2017	Wording
Depreciation Add-On cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0011V02201516	3 Dec 2015	Wording
Design defect (DE 3) exclusion Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0181V01201718	23 Mar 2018	Wording
Design defect (DE 4) exclusion Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0182V01201718	23 Mar 2018	Wording
Design defect (DE 4) exclusionAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0144V01201718	15 Mar 2018	Wording
Dewatering Expenses-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0090V01201718	31 Aug 2017	Wording
Dismantling cover Add-On under Kotak Erection All Risk Insurance	IRDAN152A0147V01201718	15 Mar 2018	Wording
Dismantling of CPM equipment and shifting to new location-Add on cover under KOTAK CPM	IRDAN152A0041V01201718	12 Jun 2017	Wording
Earthquake (Fire and Shock) Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0166V01201718	23 Mar 2018	Wording
Earthquake (Fire and Shock) Add-On under Kotak Erection All Risk Insurance	IRDAN152A0130V01201718	15 Mar 2018	Wording
Earthquake (Fire and Shock)-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0078V01201718	31 Aug 2017	Wording
Earthquake( Fire& Shock) Perils-Add on cover under KOTAK CPM	IRDAN152A0038V01201718	12 Jun 2017	Wording
Employees Personal Property and Personal effects-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0093V01201718	31 Aug 2017	Wording
Employees' Personal Effects And Tools Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0188V01201718	23 Mar 2018	Wording
Employees' Personal Effects And ToolsAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0151V01201718	15 Mar 2018	Wording
Engine Protect Add-On cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0013V02201516	3 Dec 2015	Wording
Errors and Omission to Insure Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0191V01201718	23 Mar 2018	Wording
Errors and Omission to InsureAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0154V01201718	15 Mar 2018	Wording
Errors and Omissions and Mis-description Clause-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0104V01201718	31 Aug 2017	Wording
Escalation Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0170V01201718	23 Mar 2018	Wording
Escalation Add-On under Kotak Erection All Risk Insurance	IRDAN152A0134V01201718	15 Mar 2018	Wording
Escalation Clause -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0080V01201718	31 Aug 2017	Wording
Escalation Clause-Add on cover under KOTAK CPM	IRDAN152A0020V01201718	12 Jun 2017	Wording
Escalation Clause-Add-on cover under KOTAK EEI	IRDAN152A0044V01201718	12 Jun 2017	Wording
Escalation Clause-Add-on cover under KOTAK MBD	IRDAN152A0060V01201718	12 Jun 2017	Wording
Escalation Clause-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0005V01201718	12 Jun 2017	Wording
Expediting Costs-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0098V01201718	31 Aug 2017	Wording
Express Freight-Add on cover under KOTAK CPM	IRDAN152A0021V01201718	12 Jun 2017	Wording
Express Freight-Add-on cover under KOTAK EEI	IRDAN152A0045V01201718	12 Jun 2017	Wording
Express Freight-Add-on cover under KOTAK MBD	IRDAN152A0061V01201718	12 Jun 2017	Wording
Express Freight-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0006V01201718	12 Jun 2017	Wording
Extended Maintenance cover Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0178V01201718	23 Mar 2018	Wording
Extended Maintenance coverAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0142V01201718	15 Mar 2018	Wording
Fire-fighting expenses -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0105V01201718	31 Aug 2017	Wording
Floater Clause -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0095V01201718	31 Aug 2017	Wording
Floater Cover-Add on cover under KOTAK CPM	IRDAN152A0027V01201718	12 Jun 2017	Wording
Floater Cover-Add-on cover under KOTAK EEI	IRDAN152A0050V01201718	12 Jun 2017	Wording
Floater Cover-Add-on cover under KOTAK MBD	IRDAN152A0066V01201718	12 Jun 2017	Wording
Floater Cover-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0011V01201718	12 Jun 2017	Wording
Goods held in trust-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0106V01201718	31 Aug 2017	Wording
Group Interdependency-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0122V01201718	31 Aug 2017	Wording
Growing Plants, Crops And Trees, Landscaping-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0118V01201718	31 Aug 2017	Wording
Immediate Repairs-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0101V01201718	31 Aug 2017	Wording
Inadvertent Omission to Insure-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0085V01201718	31 Aug 2017	Wording
Incompatibility Of Undamaged Machinery Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0196V01201718	23 Mar 2018	Wording
Incompatibility Of Undamaged MachineryAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0159V01201718	15 Mar 2018	Wording
Ingress/ Egress-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0115V01201718	31 Aug 2017	Wording
Inland Transit Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0187V01201718	23 Mar 2018	Wording
Inland TransitAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0150V01201718	15 Mar 2018	Wording
Insured property stored at other situations-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0121V01201718	31 Aug 2017	Wording
Involuntary Betterment Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0199V01201718	23 Mar 2018	Wording
Involuntary Betterment-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0084V01201718	31 Aug 2017	Wording
Involuntary BettermentAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0162V01201718	15 Mar 2018	Wording
Leased Equipment Rental Costs Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0197V01201718	23 Mar 2018	Wording
Leased Equipment Rental CostsAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0160V01201718	15 Mar 2018	Wording
LEG 2/96 Model “Consequences “Defects Wording Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0194V01201718	23 Mar 2018	Wording
LEG 2/96 Model “Consequences “Defects WordingAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0157V01201718	15 Mar 2018	Wording
LEG 3/06 model improvements defects exclusion Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0193V01201718	23 Mar 2018	Wording
LEG 3/06 model ‘improvements’ defects exclusionAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0156V01201718	15 Mar 2018	Wording
LEG 3/96 model improvements defects exclusion Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0192V01201718	23 Mar 2018	Wording
LEG 3/96 model ‘improvements’ defects exclusionAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0155V01201718	15 Mar 2018	Wording
Machinery Breakdown Cover-Add on cover under KOTAK CPM	IRDAN152A0043V01201718	12 Jun 2017	Wording
Maintenance Visit cover Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0177V01201718	23 Mar 2018	Wording
Maintenance Visit coverAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0141V01201718	15 Mar 2018	Wording
Merry Go Round Systems-Add on cover under KOTAK CPM	IRDAN152A0042V01201718	12 Jun 2017	Wording
Minor Works-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0094V01201718	31 Aug 2017	Wording
Molten Metal Spillage Cover-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0123V01201718	31 Aug 2017	Wording
NCB Protect Add-On under Kotak Car Secure	IRDAN152RP0006V01201516/A0024V01201819	11 Apr 2018	Wording
New Location Cover -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0100V01201718	31 Aug 2017	Wording
Omission to insure / Inadvertent Omission-Add on cover under KOTAK CPM	IRDAN152A0030V01201718	12 Jun 2017	Wording
Omission to insure / Inadvertent Omission-Add-on cover under KOTAK EEI	IRDAN152A0053V01201718	12 Jun 2017	Wording
Omission to insure / Inadvertent Omission-Add-on cover under KOTAK MBD	IRDAN152A0069V01201718	12 Jun 2017	Wording
Omission to insure / Inadvertent Omission-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0014V01201718	12 Jun 2017	Wording
Omission to Insure Additions, Alterations or Extensions Clause-Add On under Kotak IAR	IRDAN152A0081V01201718	31 Aug 2017	Wording
Omission to Insure Additions,Alterations-Add on cover under KOTAK CPM	IRDAN152A0029V01201718	12 Jun 2017	Wording
Omission to Insure Additions,Alterations-Add-on cover under KOTAK EEI	IRDAN152A0052V01201718	12 Jun 2017	Wording
Omission to Insure Additions,Alterations-Add-on cover under KOTAK MBD	IRDAN152A0068V01201718	12 Jun 2017	Wording
Omission to Insure Additions,Alterations-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0013V01201718	12 Jun 2017	Wording
Owner's surrounding Property-Add on cover under KOTAK CPM	IRDAN152A0023V01201718	12 Jun 2017	Wording
Owner's surrounding Property-Add-on cover under KOTAK EEI	IRDAN152A0047V01201718	12 Jun 2017	Wording
Owner's surrounding Property-Add-on cover under KOTAK MBD	IRDAN152A0063V01201718	12 Jun 2017	Wording
Owner's surrounding Property-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0008V01201718	12 Jun 2017	Wording
Owners Surrounding Property with FLEXA Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0174V01201718	23 Mar 2018	Wording
Owners Surrounding Property with FLEXAAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0138V01201718	15 Mar 2018	Wording
Owners Surrounding Property without FLEXA Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0173V01201718	23 Mar 2018	Wording
Owners Surrounding Property without FLEXA Add-On under Kotak Erection All Risk Insurance	IRDAN152A0137V01201718	15 Mar 2018	Wording
Pair and Set Clause Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0198V01201718	23 Mar 2018	Wording
Pair and Set ClauseAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0161V01201718	15 Mar 2018	Wording
Parts Undamaged Clause-Add on cover under KOTAK CPM	IRDAN152A0034V01201718	12 Jun 2017	Wording
Parts Undamaged Clause-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0088V01201718	31 Aug 2017	Wording
Parts Undamaged Clause-Add-on cover under KOTAK EEI	IRDAN152A0057V01201718	12 Jun 2017	Wording
Parts Undamaged Clause-Add-on cover under KOTAK MBD	IRDAN152A0073V01201718	12 Jun 2017	Wording
Parts Undamaged Clause-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0018V01201718	12 Jun 2017	Wording
Prevention of Access -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0113V01201718	31 Aug 2017	Wording
Professional Accountants-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0124V01201718	31 Aug 2017	Wording
Professional Fees -Add On under Kotak Industrial All Risks Insurance	IRDAN152A0086V01201718	31 Aug 2017	Wording
Proffessional Fees-Add on cover under KOTAK CPM	IRDAN152A0031V01201718	12 Jun 2017	Wording
Proffessional Fees-Add-on cover under KOTAK EEI	IRDAN152A0054V01201718	12 Jun 2017	Wording
Proffessional Fees-Add-on cover under KOTAK MBD	IRDAN152A0070V01201718	12 Jun 2017	Wording
Proffessional Fees-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0015V01201718	12 Jun 2017	Wording
Property Outside the Insured Premises/ Property in Off-site Storage-Add On under Kotak IAR	IRDAN152A0092V01201718	31 Aug 2017	Wording
Protection and Preservation of property-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0111V01201718	31 Aug 2017	Wording
Return to Invoice Add-On cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0014V02201516	3 Dec 2015	Wording
Road Side Assistance Add-On cover under Kotak Car Secure	IRDAN152RP0006V01201516/A0015V02201516	3 Dec 2015	Wording
Service Interruption Time Element (Extension to cover loss due to accidental failure of public elect	IRDAN152A0116V01201718	31 Aug 2017	Wording
Sound/Undamaged Property Destruction Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0189V01201718	23 Mar 2018	Wording
Sound/Undamaged Property DestructionAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0152V01201718	15 Mar 2018	Wording
Spontaneous Combustion-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0125V01201718	31 Aug 2017	Wording
Start-Up / Shut-Down Cost-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0099V01201718	31 Aug 2017	Wording
Sue and Labour Charges-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0103V01201718	31 Aug 2017	Wording
Supplier’s Extension-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0119V01201718	31 Aug 2017	Wording
Temporary Removal of Stocks Clause-Add On under Kotak Industrial All Risks Insurance	IRDAN152A0082V01201718	31 Aug 2017	Wording
Terrorism Damage Cover Endorsement (Material Damage and Loss of Profit)-Add On under Kotak IAR	IRDAN152A0083V01201718	31 Aug 2017	Wording
Terrorism Damage cover endorsement Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0167V01201718	23 Mar 2018	Wording
Terrorism Damage cover endorsement Add-On under Kotak Erection All Risk Insurance	IRDAN152A0131V01201718	15 Mar 2018	Wording
Terrorism Damage Inclusion Endorsement-Add on cover under KOTAK CPM	IRDAN152A0037V01201718	12 Jun 2017	Wording
Terrorism Damage Inclusion Endorsement-Add-on cover under KOTAK EEI	IRDAN152A0059V01201718	12 Jun 2017	Wording
Third Party Liability With or without Cross Liability extension within geographical limits of IndiaA	IRDAN152A0140V01201718	15 Mar 2018	Wording
Third Party Liability with/without cross Liability extension within geographical limitsof India(CAR)	IRDAN152A0176V01201718	23 Mar 2018	Wording
Third Party Liability-Add on cover under KOTAK CPM	IRDAN152A0024V01201718	12 Jun 2017	Wording
Third Party Liability-Add-on cover under KOTAK EEI	IRDAN152A0048V01201718	12 Jun 2017	Wording
Third Party Liability-Add-on cover under KOTAK MBD	IRDAN152A0064V01201718	12 Jun 2017	Wording
Third Party Liability-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0009V01201718	12 Jun 2017	Wording
Transit Cover-Add on cover under KOTAK CPM	IRDAN152A0036V01201718	12 Jun 2017	Wording
Tyre Cover Add-On under Kotak Car Secure	IRDAN152RP0006V01201516/A0022V01201819	11 Apr 2018	Wording
Valuable documents cover Add-On under Kotak Contractor's All Risk Insurance	IRDAN152A0179V01201718	23 Mar 2018	Wording
Valuable documents coverAdd-On under Kotak Erection All Risk Insurance	IRDAN152A0143V01201718	15 Mar 2018	Wording
Waiver of Betterment-Add on cover under KOTAK CPM	IRDAN152A0028V01201718	12 Jun 2017	Wording
Waiver of Betterment-Add-on cover under KOTAK EEI	IRDAN152A0051V01201718	12 Jun 2017	Wording
Waiver of Betterment-Add-on cover under KOTAK MBD	IRDAN152A0067V01201718	12 Jun 2017	Wording
Waiver of Betterment-Add-on under KOTAK BOILER AND PRESSURE PLANT INSURANCE	IRDAN152A0012V01201718	12 Jun 2017	Wording

Names in the register

IRDAI registration number 152. Filed as: Kotak Mahindra General Insurance Company Limited; Kotak Mahindra General Insurance Company Ltd.; Kotak Mahindra General Insurance Co. Ltd. Its claim settlement, solvency and market share figures: Zurich Kotak profile.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Zurich Kotak policy wordings?

Above: every Zurich Kotak product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Zurich Kotak general insurance products are in IRDAI's register?

47 products and 387 add-ons, approved 2015 to 2022.

Which lines of cover does Zurich Kotak file most?

By number of products in the register: motor 23, fire and property 7, liability 5, shop, office, home and business packages 4.

Why are Zurich Kotak products filed under another name?

The register keeps each product under the name the insurer used when it filed. Zurich Kotak General Insurance: formerly Kotak Mahindra General Insurance.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.