Kia Car Insurance

Kia Motors currently sells three cars in India, the Seltos, Carnival, and Sonet. The Seltos is available at an ex-showroom price starting from Rs.9.95 lakh, the Sonet is available at an ex-showroom price starting from Rs.6.89 lakh, and the Carnival is available at an ex-showroom price starting from Rs.24.95 lakh. In India, it is mandatory to have car insurance if you wish to drive any of the Kia cars.

Opting for a Kia car insurance will ensure financial support is provided in the case of fire, manmade disasters, theft, natural calamities, losses because of accidents, and car damages. Protection is also provided for the driver as well as the third-party. Depending on the type of car you are buying, the insurance amount will vary.

Features of Kia Motors Cars

    Kia Seltos
    • Fog lights in the front
    • Airbags for the front passenger
    • Air conditioner
    • Power windows in the front
    • Alloy wheels
    • Automatic climate control
    • Anti-Lock Braking System
    • Power steering
    Kia Sonet
    • Fog lights in the front
    • Airbags for the front passenger
    • Air conditioner
    • Power windows in the front
    • Alloy wheels
    • Automatic climate control
    • Anti-Lock Braking System
    • Power steering
    Kia Carnival
    • Alloy wheels
    • Airbags for the front passenger
    • Air conditioner
    • Power windows in the front
    • Multi-function steering whee
    • Fog lights in the front
    • Anti-Lock Braking System
    • Power steering

Types of Car Insurance

The different types of car insurance policies that can be purchased for a Kia Motors car are mentioned below:

  • Third-Party Car Insurance:Cover for third-party property and life is provided under this type of insurance.
  • Comprehensive Car Insurance: Apart from covering third-party liabilities, cover will be provided for the insured as well. Several add-on covers can be included under a comprehensive insurance policy.

Main Differences between a Third-Party Insurance Policy and Comprehensive Insurance Policy

Cover Third-Party Insurance Comprehensive Insurance
IDV Modification No Yes
Add-On Covers No Yes
Theft No Yes
Personal Accident Cover Yes Yes
Riots and Vandalism No Yes
Damages to the Kia Car(Insured) No Yes
Third-Party Property and Life Yes Yes

Inclusions

Some of the main inclusions in a Kia Motors Insurance policy are given below:

  • Damages that have occurred due to explosions, fire, etc.
  • Damages that have occurred due to vandalism, fire, etc.
  • Damages that have occurred due to storms, earthquakes, floods, etc.
  • Cover is provided in case the car is stolen.
  • Losses or damages to third-party life or property.
  • Personal Accident cover is provided.
  • Any damages to the insured Kia vehicle.

Reasons to Purchase an Insurance Policy for the Kia Car

Some of the main reasons to purchase a car insurance policy are mentioned below:

  • Claims may be settled within days.
  • Cashless repair facility may be provided.
  • Emergency assistance may be provided.
  • Several add-on options are offered.
  • Compensation will be provided in the case of an accident.
  • Third-party liability cover will be provided.
  • In case the car has been stolen, cover will be provided.
  • It is mandatory to have car insurance to drive the car in India.

Exclusions

The main exclusions of the car insurance policy are mentioned below:

  • In case the accident has occurred outside the geographical limits that have been specified.
  • Electrical or mechanical breakdown.
  • In case the accident has occurred when you are driving under the influence of alcohol or substances.
  • Without a valid driving license.
  • Wear and tear of parts over a period of time.

Add-Ons

The different add-ons that you can opt for are mentioned below:

  • Road Assistance: Immediate assistance will be provided in the case of a breakdown or mishap.
  • Accessories Cover: Cover will be provided for accessories such as reverse camera, instrument control, and stereo system.
  • Consumables Cover: Cover is provided in case any money is spent on consumables.
  • NCB Protection: NCB can be protected even if any claims are made during the policy period.
  • Engine Protection Cover: Cover is provided in the case of any damage to the engine
  • Zero Depreciation: Depreciation on the car’s value is considered.

Process to Purchase the Car Insurance Policy Online

The process to purchase the car insurance policy online is simple and given below:

  • Visit the official website of the insurer.
  • Select car insurance.
  • Enter the vehicle number and mobile number.
  • Click on ‘Submit’.
  • Various details of the car must be entered on the next page.
  • The prices for the different types of insurance will be displayed.
  • · You can select the insurance and make the payment.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

News About Kia Car Insurance

  • Bookings Open for New Kia Carens Ahead of Its Launch

    Kia India has began taking reservations for the Carens MPV, which costs Rs.25,000 to its customers. The three-row MPV had its world debut in December of last year, ahead of a planned launch in the country in the coming months.

    10 Jan 2022

  • Bookings for Kia Carens Open

    On January 14 2022, Kia India will begin accepting reservations for the Carens MPV. The forthcoming MPV will come in six and seven-seat configurations. The Carens will be Kia's fourth model to hit the market in the United States. The forthcoming MPV is also the first model to be released under the new design philosophy, with the firm claiming that it will have the longest wheelbase in its sector at 2,780mm.

    11 Jan 2022

  • Rates for Kia Seltos, Carnival, and Sonet to increase by up to Rs.54,000

    The prices for all models of Kia India have been increased from January 2022. The prices of all variants of Seltos have been hiked by up to Rs.10,000 except the base HTE variant of the mid-size SUV. The SUV is being sold in the ex-showroom price range of Rs.9.95 lakh to Rs.18.19 lakh.

    The hiked price of the Sonet ranges between Rs.4,000 and Rs.20,000 based on the variant. Coming to the Kia Carnival, the highest price hike of Rs.54,000 will be applicable on the Prestige and Premium trims. The costs of Limousine and Limousine Plus variants are hiked by Rs.50,000.

    10 Jan 2022

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

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