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 Kia Sportage Insurance

The Kia Sportage is a stylish new mid-size SUV from the Korean giant, and it holds immense promise. If you like this next-gen SUV, you should be well aware of the approximate Kia Sportage price along with its insurance cost.

 

Getting car insurance is an important aspect of purchasing a new car. With a car insurance policy in place, you need not worry about paying out of pocket for any accidental damages or other repairs to your SUV. Read on to find out all you should know about the Kia Sportage insurance.

Check Insurance Premium for Kia Sportage Variants

The Kia Sportage is expected to be offered in a petrol and a diesel engine, each with a number of variants. As of now, the Kia Sportage insurance cost is not available until the car is officially launched in the Indian market. However, there is an easy way to find out the exact insurance premium by using an online car insurance calculator after the vehicle’s launch. Bajaj MARKETS brings to you a convenient car insurance calculator that allows you to get an insight into the Kia Sportage insurance cost. The table below will give you an idea about the expected Kia Sportage insurance premium.

Kia Sportage Premium

Expected Kia Sportage Price (Ex-showroom)

Fuel Type

Proposed Third-Party Premium Rates (Rs.)

FY 2022-23

 

(effective 1* April, 2022)~

Kia Sportage New

Rs. 25 lakhs

Diesel

Rs. 7897

*The above information is for a new Kia Sportage only. The Kia Sportage insurance premium rates will depend on the place of purchase, year of registration, IDV, add-on covers, and a few other factors.

How to Buy Kia Sportage Insurance Online

For an easy and hassle-free experience, you can purchase a Kia Sportage insurance policy online. Bajaj MARKETS serves as the one-stop destination for all your financial needs including car insurance. You can buy a car insurance at the platform in the following easy steps:

 

  1. Visit the Bajaj MARKETS website and head to the car insurance calculator section.

  2. Once there, calculate the premium you have to pay.

  3. Fill in the required details including your car model, registration date, fuel type, etc.

  4. Choose the type of car policy and coverage that suits you and proceed.

  5. Provide your personal details such as name, address, email ID, etc.

  6. Check the information you’ve provided and proceed to make the premium payment.

  7. Once the payment is complete, you will receive your Kia Sportage insurance policy.

Read More: Kia Car Insurance

How to Renew Kia Sportage Insurance Online

You can effortlessly renew your Kia Sportage insurance online in a flash. The process is as easy as purchasing a new insurance policy. Here’s how you can do it:

 

  1. Visit the insurer’s website and go to the ‘Car Insurance Renewal’ section.

  2. Here, you need to enter the necessary vehicle details such as make and model, fuel type, etc.

  3. Choose your preferred coverage, policy expiry date and add-on covers.

  4. On the next page, enter your personal details and previous policy details.

  5. Make the payment and your Kia Sportage insurance will be renewed.

Read More:Car Insurance Renewal

Why to Insure Your Kia Sportage?

The cost of insurance increases the total Kia Sportage car price, which makes it seem like a burden to some. However, insuring your new car is not only essential, it offers several benefits as well. Here is why you should get Kia Sportage insurance:

 

  • Purchasing a third-party insurance cover is mandatory under the Motor Vehicles Act, 1988. Doing that will avoid unnecessary traffic fines.

  • A car insurance covers the damages caused to your Kia Sportage as a result of accidents, natural calamities or man-made calamities.

  • With car insurance, you also get personal accident cover that protects you against permanent disability or death in the event of an accident.

  • In addition, car insurance protects you against third-party legal liabilities.

  • You can also purchase car insurance add-ons for enhanced protection such as zero depreciation cover, roadside assistance cover, key replacement cover, etc.

  • If you don’t raise any claim in a year, you are eligible for a No Claim Bonus (NCB). This may be treated as a discount on the premium, allowing you to save money.

Types of Kia Sportage Insurance

The type of insurance will affect your Kia Sportage on-road price, as different types of policies vary significantly in terms of cost. Thus, it is advisable to know about the two major types of car insurance policies. These are:

1. Third-Party Car Insurance:

The most basic kind of car insurance, third-party car insurance is mandated by law if you want to drive on Indian roads. This insurance covers the damages and losses caused to a third party or their property when your insured car is involved.

2. Comprehensive Car Insurance:

As the name suggests, comprehensive car insurance offers a wider protection coverage. In addition to covering third-party liabilities, it also covers the damages incurred to you and your car due to accidents, natural calamities and man-made calamities.

Inclusions

Inclusions refer to the situations for which your insurance provides coverage. The basic inclusions remain the same in most car insurance policies. Before purchasing a Kia Sportage insurance, you must know the following inclusions:

 

  • Third-party liabilities including injuries and damage to property

  • Repair and replacement bill for parts of your own car

  • Protection against personal accident for you and other passengers in your car

  • Loss or damage to your car as a result of natural and man-made calamities

  • Loss or damage to the car in the event of an accident

Exclusions

Similar to inclusions, there is a certain set of situations for which the damage or loss is not covered by your Kia sportage insurance. When considering the Kia sportage price, you must be aware of these as well:

 

  • Mechanical or electrical breakdown of the car’s engine

  • Normal wear and tear of the car over time

  • Wear and tear of consumable components such as tubes and tyres

  • Damage to the vehicle in case of an individual driving without a valid driving licence

  • Damage caused by an individual driving under the influence of alcohol or drugs

  • Car being used for any purposes other than those prescribed in the insurance certificate

  • Any accident occurring in a geographical location outside the policy’s stipulated area

  • Damage or loss to the car in a war-like situation

Add-on Covers For Your Kia Sportage Car

When you’re purchasing insurance for your new Kia Sportage, you can also opt for add-on covers over and above the base policy. These are charged separately, increasing the overall Kia Sportage insurance cost. Nonetheless, add-on covers can be immensely beneficial to you in case of various unforeseen situations. There are numerous add-on covers including but not limited to:

  • No Claim Bonus Protection Cover:

The NCB (No Claim Bonus) is the discount that you’re entitled to receive on the premium if you don’t raise any claims in a given tenure of the policy. This could really help bring down your Kia Sportage insurance premium cost. An NCB in Car Insurance protection cover keeps your bonus intact even if you do raise a claim in the policy year.

  • Roadside Assistance Cover:

A Roadside Assistance Cover provides you with on-road assistance services when your car breaks down anywhere on the road. These services include on-site repair, towing, changing the tyre, etc.

  • Tyre Protect Cover:

This cover reimburses any expenses incurred by you towards the repair and replacement of your car. These include tyre cuts, punctures, tyre bursts, etc.

Kia Sportage Insurance Claim Process

No matter whether you want to raise a cashless claim or a reimbursement claim for your Kia Sportage insurance, the claim process is straightforward and easy. All you need to do is to follow the below steps:

  • Process for Filing Cashless Claims

In case of a cashless claim, the repair bills are paid directly by your insurance provider. In such a claim, you don’t have to bear the burden of paying for the repairs of your car. The process is as follows:

 

  1. Call the insurance company on the toll-free number or the official website to register your claim.

  2. Visit the nearest network garage to get your Kia Sportage repaired.

  3. Furnish the required documents to the insurance provider.

  4. The insurance company will clear the bills directly once the verification of your documents is complete.

  • Process for Filing Reimbursement Claims

Reimbursement claims are different from cashless claims in that you can get your car repaired from any garage of your choice. You initially have to pay the repair bills, which will be later reimbursed by the insurance provider. This is the process for raising a claim:

 

  1. Contact the insurance provider and inform them about the damages.

  2. In case of damage by third-party or theft, you will need to file an FIR with the police station that has jurisdiction over the locality of the accident.

  3. Provide the requisite documents along with the FIR copy to your insurer.

  4. Take your Kia Sportage to any garage and pay for the damages.

  5. Submit the bills and payment receipts to the insurer.

  6. Your claim amount will be reimbursed after successful verification.

Here is the list of documents that are required to raise a claim for your Kia Sportage insurance. You should ideally keep this handy at all times, as you never know when you may need to claim your insurance.

 

  • Original insurance policy documents

  • Car Registration documents

  • Details of the incident such as time, date and location.

  • Copy of FIR in case of a theft

  • Original bills and payment receipts for the repair of the car (in case of reimbursement claims)

 

Read More: Car Insurance Claim Settlement Process

How to Reduce the Insurance Cost of Kia Sportage

Since the Kia Sportage is a premium SUV, its insurance cost can be on the slightly higher side. However, there are ways in which you can control the Kia Sportage insurance price and make it more affordable. These are as follows:

 

  • Ensure regular service and maintenance of your Kia car, so you can avail the no-claim bonus and reduce the premium for the next police tenure.

  • Explore and compare various car insurance policies in order to pick the one that ensures maximum savings for you.

  • Always drive the car cautiously and avoid accidents or damage.

  • Avoid making too many upgrades and modifications to the car.

  • Avoid raising small claims in order to keep your policy intact.

  • Install anti-theft devices in your car

Top Tips to Maintain your Kia Sportage

It is advisable to maintain your car in mint condition to prevent the burden of paying for unforeseen repairs. Furthermore, proper maintenance of your Kia Sportage will help keep your premium lower. Here’s how you can do it:

 

  • Always keep your car’s auto parts clean, including the engine and battery.

  • Try maintaining a good mileage of the car.

  • Check the engine oil every month and replace it when necessary.

  • Check the tyre pressure on a regular basis.

  • Pay attention to the warning lights on the car’s dashboard.

  • Check the fluids such as coolant, brake fluid, transmission fluid and power steering fluid.

  • Check the air and oil filters frequently.

  • Make sure to take the car for regular servicing.

Kia Sportage Maintenance Cost

  • Typically, the first few services are free of cost in case of a new car, depending on the car’s manufacturer and model. When it comes to Kia Sportage in the international market, its cost of maintenance beats the industry average for popular SUVs. The exact cost of maintenance, however, will be available once the car is officially launched in India.

Service Intervals for Different Components

If you want to keep your car running at its peak efficiency, it is important to take it for servicing at the intervals prescribed by the manufacturer. Kia recommends servicing the car once after every 6,000 kms travelled or every 6 months. Additionally, here is a list of the service intervals that you should follow for different components of the Kia Sportage:

First Service

Engine Oil and Filter Replacement

Exterior and Interior Lights Inspection

Wiper/washer Inspection

Tire Pressure Adjustment

Coolant, battery, brake, & washer fluid levels Inspection and Replacement

Second Service (First service inspections plus the following)

Cabin Air Filter Replacement

Braking System Inspection

Engine Coolant Level Inspection

Transmission Fluid Inspection

Third Service (Second service inspections plus the following)

Front, Rear and Parking Brakes Service

Battery Terminals Service

Drive Shafts and Boot Leak Inspection

Ignition System Inspection

About Kia Sportage

The Kia Sportage is a blockbuster car as it features a futuristic, sleek visual appeal. With a 5-Star overall safety rating from the NHTSA, the car is going to compete with the likes of Hyundai Tucson, Jeep Compass and Mahindra XUV500 in India. Automobile enthusiasts around India are eagerly awaiting the arrival of the car, with the Kia Sportage price expected to be around Rs. 25 Lakhs.

 

In the international market, the Sportage comes with a 2.0-litre petrol and diesel engine with outputs of 155 PS/192 Nm and 185 PS/400 Nm respectively. Boasting best-in-class features including multi-terrain AWD, panoramic sunroof and a blind-spot view monitor, this car is a complete package. With the Kia Sportage mileage touted as one of the best in its segment, the car checks all the boxes of the perfect SUV. The car boasts a class-leading boot space of a whopping 39.6 cubic feet, and uses technology to provide the ultimate convenience with features such as remote folding 2nd row seats, smart power tailgate and heated steering.

Kia Sportage Variants

The Kia Sportage is expected to be launched in petrol and diesel variants, just as it is available globally. However, until such time as the vehicle is officially launched, it is hard to get concrete information about the Sportage.

On-road Price in Top Cities

While the Kia Sportage has not yet been launched in India, it is expected to be priced at Rs. 25 Lakh. Depending on the variant that you’d like to buy, the price is likely to change somewhat as well. That being said, this price is the ex-showroom price, which would not include the cost of registration and insurance for the car, which you would have to bear when purchasing the vehicle.

Features of Kia Sportage

Here’s a table listing down all the premium features of the Kia Sportage.

Feature

Base Variant

Multi-Terrain AWD

Available

Panoramic Sunroof

Available

Bling Spot View Monitor

Available

8-inch Infotainment System

Available

6-Speaker Audio Setup

Available

Conclusion

The Kia Sportage is set for a blockbuster debut in India in July 2022. If you’re planning to get in line to buy this wonderful car, don’t forget to also purchase car insurance which not only is mandated by Indian law, but also provides you with a host of financial benefits and peace of mind. The insurance amount that you will have to pay is included in the on road price of this car, and depends on the details of the insurance policy that you’re buying. You can visit Bajaj MARKETS, and explore the different insurance policies available in the market today.

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FAQs on Kia Sportage Insurance

  • ✔️Can I change my personal details in my car insurance policy?

    You can make policy changes like address and modifications with an endorsement by the insurance company. For this, you need to submit a letter to the insurer with proof of the changes. Some endorsements may attract an additional premium.

  • ✔️Can I transfer my car insurance?

    When you sell your car, you can transfer the car insurance policy to the buyer of the car. The new owner has to inform the insurance company about the transfer of policy within a 15-day period after the purchase of the car.

  • ✔️What are Zero Depreciation Policies?

    In case of a regular car insurance policy, the insurer generally deduct some amount as ‘depreciation charges’ when you claim for repair or damages. If you have a zero depreciation policy, the insurance provider will pay the entire amount of the claim.

  • ✔️What does IDV mean?

    IDV stands for Insured Declared Value of the car, which is the maximum amount that your insurance provider will pay for a claim when your car is stolen or completely damaged.

  • ✔️Does the city of registration affect the premium I pay?

    Yes, the premium depends on the city or town of registration, as different towns are divided into zones that have different premium rates.

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