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About Kia Cars

 Kia Motors Corporation, also famously known as Kia Motors, is a South Korean automobile manufacturer. The company made its debut in the Indian market with Kia Seltos in 2019. Today, Kia Motors has emerged as one of the leading car sellers in India, owing to its stylish and efficient models, which ensure a powerful and smooth experience every time.

In addition to Kia Seltos, the company intends to launch more car models across the segment and otherwise. We have mentioned the best Kia cars in India below. Here, take a look!

Popular Kia Cars in India

  • Kia Seltos

  • Kia Sonet

  • Kia Carnival

  • Kia Xceed

  • Kia Sorento

Why is it Important to Insure Your Kia Car?

To ensure that your new Kia automobile is safe from all threats, you must avail Kia insurance at the earliest. Read on to learn about the different reasons it is necessary to insure your Kia car.

  • Legal Obligation

In India, it is mandatory to have a valid third-party car insurance policy under the Motor Vehicles Act, 1988, when you are driving. Without third-party Kia car insurance, you will be fined ₹2,000 and/or face imprisonment of up to three months for the first offence. The same is ₹4,000 and/or imprisonment of up to three months of consecutive offences.

  • Saves Cost

In case of an accident, there could be damages to your Kia car that can cost you a fortune for repair or replacement. In such situations, a comprehensive Kia car insurance policy will cover a majority of the repair expenses, thereby ensuring that there are little to no out-of-pocket expenses.

  • Third-Party Liability

Third-party liabilities arise when your vehicle causes damage or loss to another person or their property. A Kia third-party car insurance policy insures you against such liabilities.

  • Add-On Protection

Having comprehensive Kia car insurance allows you to enhance the scope of the policy with add-on covers. At an added cost on the premium, you can opt from a wide range of car insurance add-ons that offer you coverage and protection in different situations and that are not covered under your basic comprehensive car insurance policy.

Types of Kia Car Insurance Plans

Any Kia car insurance available in the market is of two types:

  • Third-Party Kia Car Insurance Plan

Third-party car insurance is mandatory by law under the Motor Vehicles Act, 1988. The policy is known to cover third-party liabilities only. Hence, the premium charges are cheap on the pocket. The coverage protection is not extended to you or your Kia car in any unfortunate event. If you are looking to buy an extensive cover for your vehicle, it is recommended to buy a comprehensive Kia car insurance policy.

  • Comprehensive Kia Car Insurance Plan

A comprehensive car insurance plan for Kia cars will cover third-party liabilities as well as damage to one's own vehicle. The plan has a relatively higher premium as compared to third-party car insurance. Moreover, you can extend the scope of your comprehensive car insurance policy with add-on benefits. Having comprehensive Kia insurance ensures that your vehicle is protected against unfortunate events at all times.

Premium Cost for Popular Kia Car Models

Kia Insurance Cost

Sr No.

Kia Car Model

Engine (cc)

Third-Party Rates

(Without GST)

Third-Party Rates

(GST Included)

1

Kia Seltos

1,493

 3,221

 3801

2

Kia Sonet

1,493

 3,221

 3801

3

Kia Carnival

2,199

 7,890

 9310

4

Kia Xceed

1,298

 3,221

 3801

5

Kia Sorento

3,298

 7,890

 9310

Why Choose Finserv MARKETS for Kia Car Insurance?

Buying Kia insurance from Finserv MARKETS offers you the following benefits:

  • Cashless Settlement

Get cashless repairs done for your car across a wide range of network garages upon getting your Kia car insurance renewal through Finserv MARKETS.

  • Roadside Assistance

Being stranded on the streets (whether it's your daily route or a new one) can be scary. Well, we have you covered. Call our 24x7 roadside assistance car service and get your car back on the road in no time.

  • 24/7 Claims Assistance

With one of the swiftest car insurance claims processes, get unhindered assistance while filing an insurance claim with Finserv MARKETS in case of any mishap.

  • Car Hire

Hire a temporary car within your insurance claim in the event of a theft or a major car accident.

  • Online Insurance Renewal

At Finserv MARKETS, online Kia car insurance renewal takes a few minutes.

  • Discounts

Those who had a claim-free year gather reward points under the No Claim Bonus (NCB) benefit. These points can be used to avail discounts on your Kia car insurance renewal online.

Additionally, to check the car insurance premiums for policies available on Finserv MARKETS, use our car insurance calculator. The tool helps you determine the different premium costs for various plans and also compare the prices of Kia car insurance plans offered by other insurers. That way, you will be able to make an informed decision.  

Inclusions in Kia Car Insurance Plan 

With a Kia car insurance, you get access to the following types of coverage:

  • Damage to your car in case of accidents

  • In case of theft of your vehicle

  • Damage to your car in case of a fire

  • Damage to your car in case of any natural disasters or calamities

  • Any injuries caused to you while driving the car and in case of an accident

  • Damage to any third parties

Exclusions in Kia Car Insurance Plan

It is important to know the exclusions of your Kia car insurance to avoid rejection post filing claims.

  • Damages to your vehicle in case you have opted for a Third Party insurance policy

  • Damages sustained while drunk driving

  • Driving without a valid license

  •  Damages which have not been directly caused due to an accident

  • Driving in any situation which is recommended against in the car’s manual

Add-On Covers for Your Kia Car

When buying comprehensive car insurance for your Kia car, you can purchase additional covers that provide extensive protection to your vehicle. These add-ons are optional, and you can choose the ones that are most needed.

Let us take a look at different add-on covers available under comprehensive Kia car insurance:

  • Zero Depreciation

With a zero depreciation car insurance add-on cover, depreciation is not factored in during claim settlement. However, without this cover, the compensation paid is as per the current market value of the Kia car. Zero depreciation cover allows you to receive the full amount in compensation.

  • Return To Invoice

Return to Invoice will ensure that you receive the invoice value of your Kia car in case it is lost/stolen. The invoice value is nothing but the amount you paid at the time of purchasing the car. The insurer will compensate you for the actual value of the vehicle along with the registration charges and road tax.

  • No-Claim Bonus Protection Cover

Every time you make a claim, you lose the NCB earned on your insurance plan. However, with the NCB protection cover, the NCB earned stays applicable even after making a claim.

  • Consumable Expenses

Consumables include items used for the proper functioning of a vehicle’s engine and other parts. These items include engine oil, gearbox oil, nuts and bolts, screws, distilled water, grease, brake oil, oil filter, bearings, washers, AC gas, etc.

  • Engine and Tyre Secure

With this cover, you are adding safety to your engine and tyres. So, in case of replacement/repair, the insurer will compensate you for the expenses incurred. Also, any damage to the internal parts, such as the engine, gearbox, and transmission, is covered.

How to Apply for Kia Car Insurance Online?

Just follow the steps given below to apply for Kia insurance online

  1. Visit the ‘Car Insurance’ section on our website.

  2. Fill the application with the relevant details.

  3. Choose the Kia car insurance plan of your choice.

  4. Complete the payment online.

  5. The policy will be issued in no time.

How to Renew Kia Car Insurance?

To continue reaping the benefits of your Kia insurance, renew the policy with us on Finserv MARKETS. Just follow the steps given below:

  • Visit Finserv MARKETS online.

  • Enter your registration number and contact details.

  • Check your Kia car insurance renewal premium.

  • Make the payment online.

  • Download the policy copy.

Do not forget to avail the No-Claim Bonus (NCB) discount at the time of Kia car insurance renewal. Note: NCB is earned on a claim-free policy term.

Kia Car Insurance Claim Process

Kia car insurance ensures all-around protection in case of unfortunate accidents or car theft. While getting Kia insurance is the first step to security, the next crucial step is understanding how claims are registered.

There are two types of Kia car insurance claims:

  • Claim Cashless Car Insurance for Kia Cars:

With cashless claims, you can get your Kia car with accidental damages repaired at the nearest network garage. The insurer will directly pay the garage for incurred expenses.

  • Claim Reimbursement for Kia Cars:

Here, you can get your car fixed at your preferred garage, pay the expenses, and raise a reimbursement claim against your policy. Upon claim approval, the settlement amount is transferred to your bank amount (minus the deductible, if applicable).

Steps to Claim Kia Car Insurance Online

The claim settlement process for Kia cars at Finserv MARKETS is easy. Just follow the steps below:

Process for Filing Cashless Claims for Kia Cars

  1. Register the claim & inform the insurer. You may do so by calling their toll-free number or by visiting their website.

  2. Get your car repaired at the nearest network garage.

  3. Submit all the required documents.

  4. Once the documents are verified, your insurer will settle the claim directly with the network garage.

Process for Filing Reimbursement Claims for Kia Cars

  1. Inform the insurer about the damage.

  2. File an FIR in case of vehicle damage due to third-party or theft.

  3. Submit a copy of the FIR along with other documents.

  4. Get your car repaired at any nearest garage at your expense.

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

  6. You will be reimbursed after the documents are verified and the claim is approved.

Documents Required for Kia Car Insurance Claim

Take a look at the important documents that you need for claiming your Kia insurance:

  • Kia car insurance policy document

  • Kia car details

  • Insurer details

  • Details of the Incident

  • FIR copy, in case of theft/vandalism

  • Original bills and receipts of the vehicle repair

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs

  • ✔️Can I avail a zero depreciation cover on my Kia Seltos?

    With a comprehensive Kia car insurance policy, you can avail a range of add-ons including the Zero Depreciation Cover.

  • ✔️What factors determine my insurance premiums?

    The amount payable as car insurance premiums are decided by a range of factors including your geographical location, no claim bonus, age of the vehicle, add-on covers, voluntary deductibles and the engine capacity of the vehicle.

  • ✔️Is it compulsory to buy car insurance for my Kia car?

    Yes. A third-party car insurance policy is mandatory by law under the Motor Vehicles Act, 1988, to legally drive on Indian roads.

  • ✔️Can I get Kia car insurance for less than a year?

    No. Kia insurance plans on Finserv MARKETS provide a minimum coverage of one year.

  • ✔️What will happen if I do not have Kia car insurance for my new Kia car?

    You will be issued a challan if you fail to present an active third-party Kia car insurance plan to the traffic police. Multiple violations can lead to license cancellation and/or imprisonment.   

  • ✔️What is the fine for driving without a valid car insurance policy?

    The penalty for driving your Kia car without a valid car insurance policy is ₹2,000 and/or imprisonment up to three months for the first offence. For subsequent offences, the penalty is ₹4,000 and/or imprisonment of up to three months.  

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