Sehwag PX
Hyundai Insurance
  • Road Side Assistance
  • Personal Accident Cover
  • Third Party Liability Cover
  • Attractive Discounts on Premium
  • Go Cashless With Cashless Garages

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Hyundai Car Insurance

Hyundai Motors is a major automotive pioneer producing high-quality automobiles around the globe. Presently, Hyundai Motors has been operating as the world’s third largest vehicle manufacturing unit that originates from South Korea.

This international automobile brand established its throne in the Indian Automobile market in 1996 and, from then, it started functioning as Hyundai Motor India Ltd.

Also, the number of car insurance for Hyundai cars increased following the arrival of vehicle insurance company in Indian markets. The model that saw the highest number of sales was Hyundai Santro and still running on roads. The sale also boosted the purchase of Hyundai Car insurance among Indian population.

In India, Hyundai generates most of its revenue from the sale of Santro, i10, i20 Active. Other Hyundai car models that are highly preferred are SUV Creta, Tucson, Verna, Xcent, Elantra Fleet, Grand i10 prime, Xcent Prime.

Buying a car from Hyundai Motor company can import quality benefit to your pocket like Roadside assistance facility. Roadside assistance program comes into force for convenience of customers whilst any mechanical or electrical breakdown of the car.

Features Of Hyundai Cars

  • Anti-lock Braking System and Keyless Entry

  • Speed-Sensing Auto-door

  • Parking Sensors

  • Airbags (driver, passenger, side & curtain)

  • Alloy wheels and Smart pedals, Bending Headlights

  • Petrol/diesel Support

  • Wireless Phone charging facility

  • 3 years of car warranty

  • Multi-Functioning Steering wheel and power to control the phone through steering

  • Manual and automatic transmission

  • Smart Key with push button start/ stop

  • Deep pockets on the sides of the doors

  • Touchscreen AVN that can be connected to phone

  • Adjustable Steering and Driver seat

  • Tweeters for a supersonic sound experience

  • Storage Capacity

Note: All the above-mentioned features are mixed and do not apply to all the car models of Hyundai. Please check the car features for which you are thinking to buy.

Best Selling Models Of Hyundai Car

Hyundai Elite i10

In the list of best Hyundai cars in 2019, Elite i10 bags the first position due to its features, price, engine performance and suitability to various income groups in India.

Special Features:

  1. Auto Link technology to get knowledge about driving statistics, monitor driving patterns, parking, book a service, condition of the vehicle, and also ask for roadside assistance.

  2. Smart key and engine control start/ stop button.

  3. USB charger for mobile charging, storage boxes and trays, multipurpose armsets, front and rear side door pockets.

  4. iblue remote application to link the phone with Apple car play, android Auto, Mirrorlink. You can play audios by sitting at your comfort.

  5. Adjustable Front seat and driver seat, Front & Rear Speakers and tweeters, Air conditioning (Manual, Fully Automatic, Eco Coating)

  6. Tilted and Telescopic Steering wheel with Audio & Bluetooth Controls.

  7. Electric folding and Auto folding outside mirrors, luggage lamps, indicators, rear wiper and washer.

Hyundai Grand i10

Second most popular and preferred car model is Grand i10 which has seen continuous sale after its launch in 2018.

Special Features:

  1. Under Grand i10, there are four versions namely- Era, Magna, Sportz, Asta.

  2. 1.2L U2 CRDi Diesel Engine

  3. Bluetooth and Voice configuration system attached to the steering wheel for a personalized experience and a smooth journey.

  4. 17.64cm Touch Screen AV system used to gather driving statistics along with the employment of LCD and TFT technology

  5. Spacious cabins on the back for placing luggage and other material.

  6. Driver and passenger airbags for advance protection during travel

  7. LED Lamps used during daylight, Roof Rails, Roof Antenna

  8. Turn Indicators on Outside Mirrors

  9. Diamond Cut Alloy Wheels and full wheel cover

  10. 4 Speakers, iblue (Audio Remote Application), Android Auto and Apple Car Play, Colour Touch Screen Audio.

Hyundai Creta

A car ranging between Rs 9 lakhs to 15 lakhs approx has become top favorite of Indian customers. Why this Hyundai model is bestselling? Features like 4 Kmpl to 22 Kmpl mileage, Petrol/Diesel fuel support, 400-litres boot space, 126.2bhp@4000rpm of engine power, etc is the reason behind attracting maximum number of sales every year from interested buyers.

Special Features:

  1. 1396 CC / 1591 CC of Engine Displacement

  2. 6 Speed Gearbox, Driver and Passenger Airbags, Front and Rear Power Windows, Front Fog Lamps, Central Locking system,

  3. Black roof and spoiler, Rear Parking Sensors, Rear Camera with steering adaptive parking guidelines display, Height Adjustable Front Seatbelts- Driver & Passenger.

  4. Speed sensing Auto Door lock, Lane Change Indicator, Electrochromic mirror (ECM), Rear Defogger equipped Timer

  5. Alloy wheels with diamond cut and clear Silver cut, Corner Lamps, LED Positioning Lamps, LED daytime running lamp, Dual-functional Projector Headlamps, Outside Door Handles, Antenna.

  6. Leather Wrapped Steering, Top Gear Switch gaiter boots, metal finished inside door handles and crash pad garnish.

Why Buying Car Insurance Is Perfect To Protect Your Hyundai?

  1. Cashless garage: Every car needs timely maintenance and repairs, this facility will save car owner in indulging expensive cost. Also, during accidents or any other eventualities with the car will receive cashless garage service. The person operating the car is expected to take the car to a nearby garage where car condition can be rectified without losing a penny. The network of garages vary from company to company like Reliance have 4000+ network garages connections while ICICI Lombard have 5600+ network garages.

  2. Roadside Assistance: A 24/7 service devoted to the wellness of Hyundai cars after the purchase. The service becomes active when any electrical or mechanical breakdown or traffic accident arises. The objective is to ensure comfortable journey using Hyundai Car.

    The services such as-

    1. Wheel change

    2. Fuel delivery up to 5 litres

    3. Taxi co-ordination

    4. opening the vehicle in the event of a key lock-out

    5. Rectifying electrical problems related to the battery and fuse

    6. On-spot repairs wheel change

  3. 100% Invoice Price: If your Hyundai car gets entirely wrecked where the loss become irreparable, the insurance company will pay the entire value of the car. The payment comprises of Ex-Showroom Price, the Road Tax and the Registration Charges for purchasing the same model.

  4. Coverage against both manmade and natural disasters: Insuring your Hyundai car will give unbreakable protection from natural disasters that are inevitable. Man-made obstructions like theft, bulglary, strikes etc can also be ignored by purchasing a car insurance.

Companies Selling Hyundai Car Insurance

Hyundai Motor India has various tie ups insurance companies operating india to secure their cars. Let’s have a look on them.

  1. United India Insurance Company

  2. Bharti AXA GI

  3. Royal Sundaram

  4. Reliance General

  5. ICICI Lombard

  6. HDFC Standard

  7. Bajaj Allianz

  8. Chola MS

  9. Iffco tokio

  1. National Insurance

  2. Oriental insurance

  3. Universal Sompo

  4. Tata AIG

  5. New India Insurance

  6. Future Generali

  7. Liberty Motor Insurance

  8. Oriental General Insurance

  9. Sriram Insurance

Damages/Repairs Covered in Hyundai Car Insurance

  1. Loss from Accidental & External Damage: Car involving in accidental damages or any external damages happening due to breaking of side mirror by other car, dent in the car, damages during parking by other drivers, pedestrian carelessness, glass damage, etc

  2. Natural Disasters: If ruins are created by the emergence of natural calamities like hail storms, floods, frost, hurricanes, earthquakes, typhoons, landslides, rockslides and tornadoes are covered.

  3. Fire & Explosion, Riot & Strike: If any explosion or massacre caused to the insured car due to fire, riot either man-made or natural are covered.

  4. War/ Bombing: If an insured car get affected due to war, nuclear bombing, riots, radioactivities, etc will the company promises to pay the compensation.

  5. Burglary, Housebreaking/ Theft: Man-made loss that like theft, burglary are uncertain and won't knock the doors before its arrival. Hyundai Car insurance will reimburse the loss amount if a claim is raised.

  6. Third Party Liability: If the insured car gets collapsed or smacked into another person car creating serious loss of property OR creating any bodily injuries to the third party.

Damages Not Covered

  1. Wear and tear Loss: The wear and tear such as rusting of car body, scratches, loss due to harsh weather conditions, or any other breakage.

  2. Mechanical/ electrical breakdown: If there is any mechanical issues like tire breaking, heating of the engine due to extreme weather conditions, short circuit, infestation rodents, etc are not covered.

  3. Expenses while driving without a valid license: As under traffic rules and regulation, the driver must respect the road safety standards for longer life of himself as well as his car. Owning and Carrying a driving license is as important as having breakfast, dinner, and lunch in your daily schedule.

  4. Damages due to Drink & Drive: If a person is found to have traces of being under the influence of alcohol or any hallucinogenic substance, the claim is repudiated by the insurance company.

  5. Private cars used for Commercial Purposes: If any model of Hyundai is insured for a single use or private use and by any means, if it is used for the commercial purpose does not qualify for the coverage. Any destruction happened during commercial use will not get compensated.

  6. Intentional Destruction Of The Car: The person or any enemy who intentionally creates any damages to their vehicle will not get compensation for the loss incurred. The person has to bear the loss by spending money from his wallet.

Hyundai Car Insurance Discounts

  1. No claim bonus: NCB percentage can effectively reduce the value of total premium and made your coverage more cheaper. No claim bonus percentage will depend upon the regular renewal without making any claim during the claim.

    A 20% NCB for the one claim free years, 35% for three claim free year, 455 for four claim free year and 50% for continuous five claim year.

  2. Voluntary Deductibles: Under this, the car owner has the freedom to pay an agreed amount by himself without any constraint. The discount will be given in proportion to the amount of deductible chosen.

    For example, if a person opts for a deductible of Rs 2000 then 20% discount is given whereas if Rs 15000 of deductible can give 35% of discount on your premium.

  3. Membership of AAI: If the person holds any membership of Automobile Association of India, then a reward in the form of premium discount is reserved.

  4. Antitheft Device in Car: If you equip your Hyundai car with anti-theft device, then you can earn a 5% or more discount on the premium. Anti-theft installation involves locks for the steering wheel and gear, Airbags, Anti-theft alarms etc.

Add-On Protection Coverage

  1. Zero / Nil Depreciation: No matter whether your car parts are under depreciation, this will ensure a guaranteed payment or reimbursement on depreciated parts. However, tires and tubes are not counted into coverage. The company will pay for repairing cost of the fiberglass, rubber, batteries, tires, air bags, nylon, and plastic parts, etc.

  2. NCB Retention Cover: This will protect your NCB amount earned by not making any claim during the year. How this add-on cover will help in retaining NCB?. This does not diminish the amount of NCB even after you raise a claim and is acceptable when policy is renewed annually.

    To illustrate, Dinesh buys car insurance and in the first and second year does not make any claim. Consequently, he earned 25% NCB. But in the third year, he raised a claim of Rs 2 lakhs where the company settled the claim while keeping the 20% NCB benefit secured.

  3. Engine Cover: he Engine add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to Engine Parts, Differential​ Parts, Gearbox ​Parts​

  4. Key replacement: Loss of keys can happen at any point of point due to carelessness of the owner or any other unfortunate event. This cover will give you the payment for getting new car keys in replacement of the old lost/ stolen keys.

    1. Two claims can be raised during the whole tenure of the car insurance policy.

    2. Before making claim, First Information Report (FIR) must be filed with the police department.

  5. Daily Cash Allowance: This cover will be useful at the time when the insured vehicle is in the custody of a garage for more than 3-4 days. The owner can get daily cahs for traveling from one place to another for work or any secondary purpose which he/she usually carry on with his car.

  6. Personal Accident: If a car owner confronts accident that make death like circumstances or causes permanent disability, then the company will compensate the loss. A lump sum amount of coverage value will be paid for any one of the two cases. some car insurance companies also offer hospitalization cost for treatment of disability.

  7. EMI Protection: The company will pay 3 EMIs for your Hyundai car in case it sustained some mechanical issues and needs supervision of network garage for 30 days.​ The EMI amount is paid directly to the financial institution.

Factors Influencing Hyundai Car Insurance Premium

  1. Insured declared value of the car: The primary thing which most of the car insurance company overlook is the insured value of the car. Under this, they will inspect the present market value of the car and depreciating value. Once we purchase a car and start using, it turns into a depreciating asset as its value keeps on diminishing. Why did this happen?

    For instance, human beings are young and energetic during the 20s, 30s, and even 40s, but after they turn 55 years or more their internal organ becomes feeble and less active. This ultimately leads to degradation of health and lesser involvement in strenuous work. Car work like a human being whose value also degrades at a point of time. Factors such as number kilometers covered, engine condition, etc leads to the depreciation of insured car.

  2. City of Registration: The place where the car owner has purchased the car also plays the title role. Also, IDV and city of registration are interconnected. For example, if your vehicle is registered in any metro cities, then the IDV is comparatively lesser. Whereas the IDV is higher in the cities apart from metro cities.

  3. Model and manufacturing Date: On which date the model was launched? What is the manufacturing date of the car? These two questions are always considered before clinching on to the premium rate. Usually, cars with expensive rates and which employs latest technology have higher premium rates. For example, Hyundai

    i10 have lesser features in contrast to Hyundai Elantra. While Hyundai with better mileage, automatic operations, petrol/ diesel capacity, etc demands a higher premium.

  4. History of claim: If the claim has been accepted and paid for the same car in the past, then the premium will be adjusted accordingly.

  5. Type of coverage: Whether you are going for comprehensive coverage or for third-party liability coverage, the premium will fluctuate accordingly. If comprehensive coverage is purchased then the premium is definitely going to be higher when put in parallel to third party liability cover.

  6. Add-on Covers Purchased: choosing add-on covers can be advantageous to your Hyundai car but it also pinches the rate of premium a bit higher. A nominal premium has to be paid for availing additional services in the car insurance.

  7. Proportion of NCB: Company gives you perk of not registering a single claim in a year or for continuous years. No Claim Bonus earned will minimize the amount of actual premium

  8. Cubic Capacity of Engine: The CC or cubic capacity will make the premium increase or decrease as per the capacity of the vehicle. Higher the capacity, more will be the premium and vice-a-versa.

  9. Profession of the Policyholder: The IRDA gives offers a percentage of discount to those policyholder who is engaged in the profession of teachers, military personnel, government officials, chartered accountants, etc.

  10. Fuel Type: Hyundai Motor India offer different fuel types in their car models. Like, the premium for CNG supporting car is more as compared to the petrol supporting cars.

Modes Of Buying Hyundai Car Insurance

  1. Through Car insurance Web Aggregators: By choosing this option you get multiple insurance quotes of numerous insurance companies offering different premium rates for the same car. Here, the insured can examine your profit/ loss by comparing which company is offering more coverage at a reasonable price.

  2. Through company’s website: In order to insured your new or old car, you can directly visit the website of the company who is providing Hyundai Car insurance. However, you cannot compare and is under limitations as you only have one choice.

Documents Required to Buy Hyundai Car Insurance

  1. Car Registration number

  2. Previous car policy number (if you have any)

  3. Car manufacturing date (mm/yy)

  4. Engine number

  5. Date of car purchase

  1. Name of the City from where car is bought

  2. Chassis number

  3. Your contact details provided in the registration certificate of car. (address, mobile number and email address.

  4. A photocopy of the car’s RC booklet.

5 Step Process To Buy Hyundai Car Insurance

The online process to buy Hyundai car insurance has proved to be very effective in saving time, energy and money of a common. So, let’s jump into the process-

  1. Visit our compare section present at the top of this page. Enter the details of the car as well as personal details based on which premium will be decided.

  2. Compare car insurance quotes by using our free and unbiased comparison services. Compare the prices, coverage value, claim settlement ratio of each company.

  3. Request insurance quotes by submitting information. Quotes from the various car insurance company are highlighted on the portal. The one which suits your pocket and is beneficial for the car too can be purchased.

  4. After choosing the company, you will get two options of car insurance namely third-party liability or comprehensive cover. Choose any one.

  5. You can also attach the Optional Cover for enhanced protection to your vehicle. This can fluctuate the basic premium amount as add-on cover demands extra premium.

NOTE: It is also significant to examine the claim settlement ratio of the company. This step will ensure timely claim acceptance and reimbursement of the claim amount.

Online Renewal Process of Hyundai Car insurance

The renewal process is based on the company chosen to ensure the car. Let’s ascertain what common steps are involved in renewing a car.

  1. Visit our compare section, put basic details and search the available option of renewal present at the right corner of the compare section at the top of this page.

  2. Fill the personal as well as the policy details like name, contact information, car insurance policy number or other relevant data.

  3. A premium amount for your car will display on the screen. Check the premium amount and hit the PAY button to proceed further.

  4. Premium payment can be made either in credit/ debit cards or through net banking.

  5. A payment receipt is generated. The car owner should save the receipt and must take a printout of same.

Hyundai Car insurance Claim Process

On the happening of any event whether accident/ theft/ burglary of the Insured car, following steps must be taken-

  1. If your car is struck with other vehicles or some parts of the car has been stolen/ looted/ damaged, the same must be reported to the insurer as soon as possible. For stolen cars, FIR must be filed with the nearest police authorities.

  2. Fill a duly claim form available with the insurer either online or offline.

  3. Gather all the related documents crucial to the event for a smoother process of claim.

  4. Once the claim has been notified to the insurer, an investigator will come to evaluate the total loss confronted by the vehicle.

  5. The claim is cleared if all the documents are faithful to the loss estimated. A report is generated concentrating on the actual loss/ damage is made and is submitted to the insurer.

  6. Once the insurer accepts the claim, the reimbursement will be made with respect to the bills/ receipts deposited.

*If you are confused about the whole claim process and don't know from where to start and what t do you can simply call us on our toll-free number. We will provide end to end solutions and will help you throughout the claim process.

For Third Party Claims

  1. If you have damaged the car of any other person, then you are expected to communicate the issue before ensuring for court settlement to the third party.

  2. A photocopy of the legal notice is to be submitted with the insurer. Third party will serve you a legal notice for the damage done by your vehicle.

  3. Also, other requested documents must be presented for the satisfaction of the insurer.

  4. Insurer will examine the information provided as well as the accident. A lawyer will be appointed if claim is approved.

  5. During the hearing in court, if the decision is in favor of the third party, then the insurer will pay all the admissible expenses.

Documents for Claim Process

For Accidental Damages

  1. Insurance documents or copy of the policy.

  2. Copy of Registration Certificate

  3. Original tax receipt

  4. Photocopy of Driving license as well as the original (of the person driving the car whilst the accident)

  5. FIR or police panchanama (for bodily injuries or death to third party and/or his/ her property)

  6. Expenses arrived for repair of the car.

  7. Payment receipts/ repair bills involved in repair of damages.

For Theft Related Damages

  1. Original policy document

  2. Registration book along with theft endorsement from the concerned Regional Transport Office plus tax payment receipt

  3. Details of the insurance policy, such as policy number, period of insurance, and the insurance company

  4. All the booklets, keys, and warranty cards issued during the purchase.

  5. FIR or Panchanama in supplementary to JMFC report / Final Investigation Report.

  6. Acknowledged copy of letter addressed to the Regional Transport Office

FAQs

1. How many types of Hyundai car insurance is available?

There are two types of coverage-

  1. Comprehensive Cover: Cover all the damages caused by natural calamities, theft, burglary, personal accident, strikes etc

  2. Third Party Cover: This is mandatory cover and includes third party liability.

2. What are deductibles in car insurance?

The deductibles are the proportion of claim amount which is to be shared by insured with the insurer.

3. Is car insurance important for our cars?

Yes, as per the rules and regulations of IRDA, it is imperative to buy car insurance whether it is for private use or commercial use.

4. What is the limit of making car insurance claim in a policy period?

There is no limit but it is always suggested to make claim for major losses and avoiding claims for minor repairs. However, one can find restrictions in number of claims under add-on covers.

5. If I have extra CNG/ LPG Gas fittings in my Hyundai Car, what cover should I choose?

If such a case happens, then the insurance company must be informed about the same at the event of making the proposal to insure the car. This extra fitting is to be insured separately.

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