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Introduction about Kia Sonet Car Insurance

The Sonet is the second vehicle from the car manufacturer, Kia Motors, and comes after the ever-popular launch of the Seltos in India. The Kia Sonet, a subcompact crossover SUV, designed with flair, in the same vein as the Seltos, is another stellar vehicle from the car manufacturer that is based out of South Korea. The vehicle is not just well-designed, but has superb engineering for the Kia Sonet price that is offered, starting at Rs. 6.95 lakhs (ex-showroom New Delhi). Car prices vary from city to city, and you will have to check prices pertaining to the city you purchase the Kia Sonet in.

 

Besides the cost of the Kia Sonet, you should also know how much you have to pay for Kia Sonet insurance. This may also change depending on the Kia Sonet insurance plan you opt for, but as a rough estimate, insurance for the Kia Sonet is anywhere from Rs. 4,700 to Rs. 8,000, depending on the model/variant you buy.

Check Kia Sonet Insurance Price for Kia Sonet Variants

 

In case you wish to find out the actual cost of the Kia Sonet insurance coverage in India, you must make use of an online calculator that informs you of the premium to be paid. In the meantime, you can use the table below as a source to get some idea of Kia Sonet insurance amount in terms of premiums aligned with the ex-showroom Sonet price of variants available in India. The Kia Sonet is available in 23 variants, and the main ones are listed in the table below: 

Kia Sonet Variant Name

Fuel Type

Ex-Showroom Price

Proposed Third-Party Premium Rates (Rs.) FY 2022-23

Sonet 1.2 HTE

Petrol

Rs. 6.95 lakhs

Rs. 3,416

Sonet 1.2 HTK

Petrol

Rs. 7.95 lakhs

Rs. 3,416

Sonet 1.5 HTE

Diesel

Rs. 8.65 lakhs

Rs. 3,416

Disclaimer: The information in the table above is for brand new Kia Seltos vehicles. Premium costs depend on the model, fuel type, Kia Sonet variants, year and place of registration, add-ons, IDV, and an array of other relevant factors.

 

How to Buy Kia Seltos Insurance Online?

When you know the Kia Sonet price in India, you can get to know how much of an Kia Sonet insurance premium you will have to pay for your specific vehicle. In order to buy Kia Sonet insurance, you can avail of an online method at Bajaj MARKETS in a few convenient steps, shown below:

 

  1. Visit the insurer’s website and head to the ‘Car Insurance Premium’ Section.

  2. Fill in details of your car such as the vehicle registration number and your phone number.

  3. You can check the Kia Sonet insurance plans available online.

  4. Choose one that fulfils your needs along with the add-ons you want.

  5. Check what premium is due and pay this online immediately.

  6. Submit the application and your insurance policy will be sent to you.

 

Read More: Kia Car Insurance

How to Renew Kia Sonet Insurance Online?

It's as easy to renew your Kia Sonet insurance at Bajaj MARKETS as it is to buy insurance online. When your insurance policy expires, you must see that renewal is immediate, as you always need a Kia Sonet insurance plan to drive on Indian roads. This is how to renew your insurance:

 

  1. Visit your insurer’s website.

  2. Go to the ‘Car Insurance Renewal’ section.

  3. Enter details of your car registration and your phone number.

  4. Submit existing or expired policy details.

  5. Be sure to check the Kia Sonet insurance price for renewal of your insurance cover before you proceed.

  6. Through any of the available online channels, you can make your premium payment.

  7. After this, you can download a copy of your renewed policy for your reference.



Read More: Car Insurance Renewal

Why Should You Insure Your Kia Sonet?

The process of Kia Sonet insurance purchase and renewal of insurance is easy enough online at Bajaj MARKETS, but you may be wondering why you require Kia Sonet insurance at all. Here is why you should promptly insure your new Kia Sonet as soon as you buy your vehicle:

 

  • Third-party vehicle insurance is a mandatory official requirement if you have to drive in India.

  • An Kia Sonet insurance plan covers repair costs in case your vehicle is damaged by an unforeseen event like an accident.

  • Add-on covers give you extra benefits of cover in addition to your existing Kia Sonet insurance plan.

  • You are protected against costs incurred due to any man-made or natural calamities.

  • In case you are involved in an accident, you are covered for liabilities legally.

 

Types of Kia Sonet Car Insurance

There exist mainly two types of Kia Sonet insurance in India. Both these options can be availed of at Bajaj MARKETS. Once you know about your Kia Sonet on-road price and other details of your vehicle, you can make informed decisions regarding the type of insurance that suits your requirements. These are details that will let you know:

 

  • Third Party Car Insurance

According to the Motor Vehicles Act of 1988, this kind of car insurance is a mandatory and legal requirement. As the name states, this kind of insurance pays for any liabilities arising from third parties, should an accident occur. In case your car is responsible for damage to third-party property or injury to any third-party, you have to provide compensation. Third party insurance tackles such liabilities.

 

  • Comprehensive Car Insurance

For insurance cover that goes beyond third-party cover, comprehensive car insurance covers both liabilities that relate to third parties and handles any repair work that your own vehicle may require. Giving you extensive financial cover, it ensures that you don’t have to worry about any issues following calamities or accidents. Moreover, you can supplement such covers with add-ons.

 

Inclusions

Whatever Kia Sonet insurance cover you choose, your policy will contain specific inclusions and exclusions. You should be aware of these as they will help you to decide on the scope of cover you need. You can check out inclusions at Bajaj MARKETS, but here are some common inclusions to look out for:

 

  • Cover against accidents pertaining to other riders

  • Cover against personal accident costs

  • Expense cover for repairs

  • Liabilities for third parties

  • Damage to property or vehicles due to man-made calamities/natural calamities

 

Exclusions

Besides inclusions, vehicle insurance plans have exclusions as well. You should be well aware of what is not covered by your Kia Sonet insurance plan as you cannot claim anything for such conditions. Therefore, for conditions under the heading of ‘exclusions’, you have to bear costs from your own pocket. The following are the common exclusions in any car insurance plan:

 

  • Regular wear and tear faced by your car

  • Mechanical/electrical breakdown

  • Damage or loss due to malicious intent

  • Damage caused due to driving in an intoxicated state

  • Damage/loss due to a war-like circumstance

  • Damages which are sustained while your policy is inactive/invalid

  • Damage or loss while you are driving without a valid licence

 

Add-On Covers for Your Kia Sonet Car Insurance

 

You can buy add-on covers to supplement your current Kia Sonet insurance plan, and these help you to get more advantages from your plan. These add-ons have an effect on the Kia Sonet price of premiums you have to pay, taking your premiums higher, but giving you enhanced protection. You can opt for the following ‘add-ons’ at Bajaj MARKETS:

 

  • NCB Protection Cover:

This cover helps to maintain your No Claim Bonus benefits even if you claim insurance.

  • Lock and Key Replacement:

The Key Protection cover helps to replace your keys if they are lost.

  • Zero-Depreciation Cover:

With the zero depreciation cover, depreciation is not factored in your insurance cover.

  • Accessories Cover:

In case of damage to the accessories of your car due to a mishap, this cover tackles the replacement or repair of these.

 

Read more: Add-on Covers in Car Insurance

Kia Sonet Insurance Claim Process

In case you need to file a claim for Kia Sonet insurance with your insurer, if any of the conditions of your claim turn into a reality, you should do so without delay. Hence, you must know about the processes involved to file claims. It’s fortunate that raising a claim at Bajaj MARKETS is a simple and quick process. This is what you need to do:

 

Process to File Cashless Claims

 

In a cashless claim, your insurer directly settles any bills arising out of costs. This is how to file a cashless claim:

 

  1. Register your claim through the website or the toll-free number.

  2. Go to the nearest garage authorised by the network and get your car repaired.

  3. Provide the necessary paperwork.

  4. Your insurer will verify the paperwork submitted and your bills will be directly settled with the network garage.

 

Process to File Reimbursement Claims

 

In a reimbursement claim, your insurance company will reimburse you for costs incurred while repairing your car. In such cases, follow the steps mentioned below:

 

  1. Inform the insurer about the damage sustained by your car.

  2. In case your car has been damaged due to third-party involvement, file an FIR.

  3. Provide the FIR and other required documents to the insurer.

  4. Pay for repairs or replaced parts on your own.

  5. Submit original receipts and bills to your insurance company.

  6. After verification is completed, your insurance company will reimburse costs incurred by you and thereby settle your claim.

 

Essential documents must be submitted so that claims are settled on time. Here are the documents you should be prepared with to raise a claim for Kia Sonet insurance:

 

  • Car insurance policy

  • Vehicle details and information

  • Insurer details

  • Details of the incident

  • In case of theft or damage by a third party, a copy of the FIR filed

  • All original receipts/bills of replacement or repair

 

Read more: Car Insurance Claim Process

How to Reduce Insurance Cost for Your Kia Sonet

 

You can lessen your Kia Sonet car insurance cost by following a few effective strategies like these:

 

  • Install an anti-theft system in your vehicle to prevent theft.

  • Browse through different Kia Sonet insurance plans and opt for one that suits your budget.

  • You can increase deductibles and thereby decrease your premiums.

  • Finally, be careful while driving, to avoid accidents.

 

Top Tips to Maintain Your Kia Sonet

Seeing to your vehicle’s upkeep on a regular basis can maintain your Kia Sonet in immaculate condition in spite of years of use. While buying your car, the Kia Sonet specs and features may be important to you, but maintenance later is of equal relevance. Here are some top tips to see that your vehicle runs impeccably well:

 

  • Check tyres for wear and tear and replace them if required.

  • Wax the exterior of your vehicle on occasion. This maintains its shine and conceals scratches.

  • Lubricate lug nuts on wheels frequently.

  • Make use of wheel cleaners to clean rims on a regular basis.

 

Kia Sonet Maintenance Cost

If you wish to keep your Kia Sonet in a spic and span condition, resembling the first day that you bought it on, then you must perform maintenance on your vehicle periodically and whenever a problem occurs. This largely involves you taking your vehicle to a Kia Sonet official centre for regular vehicle services. In case you want to know the approximate amount of Kia Sonet service cost, you only have to view the table shown: 

Service

Kilometres/Months

Free/Paid

Total Cost

1st Service

10,000/12 months

Free

Rs. 0

2nd Service

20,000/24 months

Paid

Rs. 3,551

3rd Service

30,000/36 months

Paid

Rs. 3,542

4th Service

40,000/48 months

Paid

Rs. 4,404

5th Service

50,000/60 months

Paid

Rs. 3,714

Service

Kilometres/Months

Free/Paid

Total Cost

1st Service

10,000/12 months

Free

Rs. 0

2nd Service

20,000/24 months

Paid

Rs. 3,551

3rd Service

30,000/36 months

Paid

Rs. 3,542

4th Service

40,000/48 months

Paid

Rs. 4,404

5th Service

50,000/60 months

Paid

Rs. 3,714

Replacement Costs of Parts Changed During Services

 

Kia Sonet features and specs are important for you to know about, not just when you purchase the vehicle, but also when and if you have to replace or change parts during regular services. Having this knowledge helps you to plan your expenses in a better way. The following table will give you an idea about key vehicle parts that may need changing/replacing and how much these will approximately cost you:

 

 

Vehicle Part

Kia Sonet Price (petrol)

Engine Oil

Rs. 1063

Oil Filter

Rs. 172

Climate Control AC Filter

Rs. 314

Air Filter

Rs. 233

Fuel Filter Cartridge

Rs. 445

Spark Plug

Rs. 880

Brake/Clutch Fluid

Rs. 295

Coolant

Rs. 480

Components to Be Replaced/Serviced at Different Intervals

Components in your vehicle have a life span that is limited, and beyond such limits, you would have to get parts replaced. The vehicle manufacturer typically specifies when these have to be changed in the service manual you receive when you purchase your vehicle. The table below showcases various main parts that may have to be changed at intervals to make sure that your vehicle runs smoothly. 

Components

Replacement Interval for Kia Sonet (petrol)

Engine Oil

After 10,000 Kms, or 1 year, whichever is reached earlier

Spark Plugs

7 years or 70,000 Kms

Clutch/Brake Fluid

30,000 Kms or 3 years

Drive Belt

Check every 60,000 Kms and then every 10,000 Kms

Fuel Filter

After every 40,000 Kms or 4 years

About Kia Sonet

Kia has a winner on its hands with the Kia Sonet. If you are looking for a subcompact SUV, not too large and not too small, this is the SUV for you. The Kia Sonet is loaded with features and specs that outshines rivals like the Hyundai Venue. The large bonnet on the exterior and the upright face of confidence it exudes, make it an SUV to reckon with.

Elements like a broad grille and full LED headlights give you the edge.

 

In the Kia Sonnet engine capacity department, you get to choose between a 1.2 litre (5-speed transmission) and a 1.0 litre (turbo-charged petrol with a 6-speed iMT or 7-speed DCT). You also get diesel versions of the Kia Sonet. The Kia Sonet has a fuel efficiency of 18.4 kmpl, and this is a clear draw for many buyers. From the safety angle, the Sonet gives you six airbags (ABS with EBD), rear sensors for parking, a rearview camera, electronic control for stability, and a system of tyre pressure tracking. Along with ultimate performance, you get comfort and convenience too.

Kia Sonet Variants

The Kia Sonet claims it has the most variants in an SUV of this size, and you can get up to 20 or more with engine and feature variations. Here are the popular variants on offer from the Kia Sonet:

Variant

Fuel Type

Transmission

Sonet HTE

Petrol

Manual

Sonet HTK

Petrol

Manual

Sonet GTX Plus

Diesel

Manual

On-Road Price in Top Cities

The final cost of the Kia Sonet to any buyer would be the Kia Sonet on-road price of the vehicle, and not the ex-showroom price. This includes the costs of registration of the vehicle and Kia Sonet insurance prices too. When you buy any Sonet, the final price will be decided according to the model/variant and the location (city) you buy your vehicle in as well. The following table will give you an indication of the on-road cost of the Kia Sonet (base model and petrol variant) in some top Indian cities:

City

Kia Sonet On-Road Price

Delhi

Rs. 8, 65,000

Mumbai

Rs. 8,10,657

Pune

Rs. 8, 10, 104

Bangalore

Rs. 8,37,794

Chennai

Rs. 8, 65,000

Features of the Kia Sonet

The features of the Kia Sonet base model and more advanced models offer stiff competition to other vehicles in similar categories of vehicles. The base model comes with features you would find attractive in the price, and more advanced models come with automatic transmission and touch-screen displays. Here are some key features, depending on the variant you buy:

Variant

Airbags

Touch Screen

Power Mirrors

Anti-lock Braking

Multi-Function Steering

Sonet HTE

Available

Not available

Available

Present

Not available

Sonet HTK

Available

Not available

Available

Present

Available

Sonet GTX Plus

Available

Available

Available

Present

Available

Conclusion

Any vehicle you buy needs maintenance and this becomes an essential part of your car care should your car experience a mishap. Therefore, it is vital that you choose Kia Sonet insurance to tide over costs that your car may have to incur. You will be stress-free as insurance takes a large part of your monetary burden away. 

Check Out Car Insurance Plans Available at Bajaj MARKETS

 

FAQs on Kia Sonet Insurance

  • ✔️Will loss or damage due to floods or earthquakes to my Sonet be covered by insurance?

    Loss or damage caused by natural calamities like floods and earthquakes to your car will be covered by any comprehensive insurance policy you buy.

  • ✔️How long does a car insurance policy last?

    The tenure of a car insurance policy is one year.

  • ✔️Do I have to have a car insurance policy?

    Possessing car insurance in India is mandatory, according to the Motor Vehicles Act of 1988. Additionally, insurance protects you and your vehicle from potential costs arising due to vehicle damage, loss, etc. 

  • ✔️Does the capacity of the car engine play a role in deciding the insurance premium paid?

    The engine’s capacity does have a role to play in determining car insurance, as the higher the cubic capacity, the more insurance premium amount you will have to pay.

  • ✔️When should I renew a car insurance policy?

    Your car insurance policy expires after a year, so you must renew it immediately on expiry, or a little while before it expires.

  • ✔️Can I change the IDV value?

    At the time of policy purchase and each renewal, the premium is calculated based on the depreciated value of the vehicle. However, as a holder of the car insurance policy, one has the liberty to fix the IDV. The car owner can alter the IDV while renewing car insurance.

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