Insurance for Kia Carens

Kia Carens is a 6-seater MUV with a 3-star safety rating. It costs between ₹10.44 Lakhs to ₹19.44 Lakhs in India. Carens comes with both diesel and petrol engines having manual and automatic transmission options. It gives a good mileage of 17.9 Kmpl on petrol and 21 Kmpl on diesel. 

 

A great car like this must be secured with the right car insurance plan so that you are financially protected during any untoward incidents like accidents or other contingencies. Read on to learn more about its insurance costs, inclusions and exclusions, add-on covers, and how you can buy it online. 

For better financial planning, use the below table to know the insurance costs of the different variants of your Kia Carens: 

Easily browse and choose plans on digital platforms like Bajaj Markets and financially secure your car. Here is how you can buy Kia Carens insurance in four simple steps: 

• Navigate to the ‘Car Insurance Premium Calculator’ section 

• Enter your Carens registration number and your mobile number along with other additional information required 

• Browse through the various insurance plans available for your car and pick one that suits your needs

• Pay for your car’s insurance premium online 

 

Your car insurance policy will be sent to your registered e-mail ID shortly after your payment has been processed.

It is vital to insure your car in India for several reasons, such as: 

• Legal Obligation

Car insurance fulfils a legal obligation as it is mandatory to have third-party insurance in India to shield you from penalties 

• Financial Protection

Car insurance protects against unexpected expenses by covering repair costs resulting from accidents, serving as a vital financial shield 

• Comprehensive Coverage

Opting for comprehensive coverage safeguards your vehicle from damages caused by natural disasters or accidents 

• Additional Benefits

Beyond fundamental coverage, car insurance brings added benefits like roadside assistance, which enhances overall protection and convenience 

It’s crucial to clearly understand all the inclusions of your Kia Carens insurance plan. Some of these are mentioned below: 

• Repair and replacement expenses

• Personal accident coverage for the driver and riders

• Third-party liabilities

• Damage resulting from an accident

• Damage due to natural or man-made calamities

Fully understand the key exclusions from your Kia Carens insurance plan before making a choice and avoid claim rejections: 

• Regular wear and tear

• Damages under the influence of alcohol or drugs

• Electrical or mechanical breakdowns

• Damages without a valid insurance policy or driver's licence

• Damages during war-like situations

With comprehensive car insurance, you have the option to buy various add-on covers that will help extend the scope of coverage of the basic car insurance plan. Some of these are: 

• Personal Baggage Cover

This add-on covers the loss or damage of your personal belongings during an accident involving your insured car 

• Zero Depreciation Cover

With zero depreciation add-on, you get the complete claim amount on your car insurance without any reduction on account of the depreciation of the car’s parts 

• Engine Protection Cover

The engine protection add-on covers any damages caused to the engine of your Kia Carens due to water seepage, lubricating oil leakage, etc. 

• Roadside Assistance Cover

This cover provides emergency help like towing assistance, fuel delivery, emergency repairs, etc. if you are stranded mid-journey 

• NCB Protection Coverage

The No Claim Bonus (NCB) add-on can reduce the premiums you pay in the future if you haven't filed any claim in the current policy year 

• Personal Baggage Coverage

This coverage protects your personal belongings in case they are lost or damaged in an accident involving your vehicle 

• Report the accident immediately to your insurer

• Choose a network garage affiliated with your insurance provider

• Take your vehicle to the nearest network garage for repairs

• Submit relevant documents and bills to your insurer

• Your insurer will directly settle the claim with the garage after verifying the paperwork

• Contact your insurer and inform them about the damage to your car

• In case of theft, file a First Information Report (FIR)

• Submit the FIR copy and required paperwork to the insurer

• Take your vehicle to a garage of your choice and pay for the repairs

• Submit receipts and bills to your car insurance provider

• The insurer will reimburse your expenses after verifying the bills 

Remember to provide these documents while filing a car insurance claim for your Kia Carens: 

• Kia Carens insurance policy document 

• Details of your insured car 

• Copy of the FIR in case of theft 

• Original bills of the car repairs 

• Personal details of the insurer 

• Copy of the driver’s licence 

Here are some easy ways to reduce the premium cost for your insured car: 

• Claim Your NCB Rewards

If you don’t file any insurance claim throughout your policy tenor, you will earn No Claim Bonus (NCB) rewards and get a reduced insurance renewal premium

• Install Anti-Theft Devices

You can install anti-theft devices approved by ARAI in your Carens for an additional reduction in the car insurance premium

• Compare Insurance Quotes Online

Check out online platforms like Bajaj Markets and compare insurance quotes offered by multiple insurance providers before buying one

• Avoid Small Claims

You should pay for small expenses yourself instead of adding them to your insurance claim as it increases the premium cost

Here are some easy tips to maintain your Kia Carens and keep it in good condition:

• Scheduled Maintenance Services

Follow the recommended car maintenance schedule and servicing guidelines to keep your car healthy

• Check the Tyre Pressure

You must do this regularly to avoid excessive wear and tear of the tyres or any sudden tyre bursts

• Check Fuel Levels & Air Filters

Maintain engine efficiency by keeping fuel levels constant for engine efficiency and checking air filters regularly for proper air circulation 

• Avoid Overloading

To avoid problems with the car’s suspension and tyres, do not overload your vehicle beyond permissible limits