I bought kotak car insurance policy, thr team is so arrogant & unprofessional, they never reapond to your mails or calls. If you bought kotak insurance then you have to take help of consumer court to get your claim. I personally commit myself never going to buy any kotak product in my life & i will make sure no one known to me going to buy any product of kotak. I know kotak is a big house..but they will vanish soon because of the services which they provide to consumers. a satisfied customer can bring you 100 new customer...but a unsatisfied customer can take your 1000 new customers...