Santro Car Insurance Renewal Online

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About Hyundai Santro

Hyundai Santro, after 25 years of production, was discontinued in the year 2014. However, on 23rd of October, 2018, Hyundai launched the third generation of Santro, making its comeback to the Indian market. Much curvier than its predecessor, its facial features go a long way to accentuate its overall design. Within a month of its release, 8,535 units of the new Santro were sold, outselling several of its competitors such as Tata Tiago, Renault Kwid, and Maruti Suzuki Celerio. It was also marked as one among the Top 3 Urban World Cars of 2019.

Key Features of Hyundai Santro

Hyundai Santro offers only one 1.1 litre petrol engine, hailing from the Epsilon family of engines. The 4-cylinder motor is tuned to produce as much as 68bhp of power. The city car also gets a factory-fitted CNG variant that comes with an 8kg capacity tank and offers around 58bhp of power.

In terms of transmission, Hyundai Santro offers both 5-speed manual transmission and a 5-speed automatic transmission (AMT). Hyundai has developed AMT in-house and has garnered a large margin of bookings when compared to the manual transmission variants.

Taking the performance into consideration, the Hyundai Santro offers fuel efficiency of 20.3 km/l for variants having petrol engines and 30.5 km/l of mileage in the variants having Petrol+CNG engine. It takes 14.5 seconds to move from 0 to 100kmph, touching the top speed of 156kmph.

Some of the biggest plus points when comparing the new Santro to its previous generations are the rear AC vents, 7-inch touchscreen infotainment unit, Bluetooth, inbuilt navigation, mirror link, rear washer and wiper, R14 wheel covers, Apple CarPlay, and Android Auto.

Santro Car Insurance Premium

Your Santro car's insurance premium may vary when compared amongst different insurance providers. However, there are certain factors that are considered when adding up to the premium cost. They are your car's age, the Insured Declared Value (IDV), the terrain on which you will drive the car, the make and model, the displacement provided by your car's engine, and its current condition.

The below table will offer you a brief overview of Santro's ex-showroom price, cost of the premium, Insured Declared Value, and zero depreciation add-on for some of its car variants.

Car VariantPrice of the CarIDV*Zero depreciation (Add on)*Premium*
Era Executive (1086 cc)Rs.4,57,000Rs.3,63,290Rs.1,635Rs.14,305
Magna AMT (1086 cc)Rs.5,52,000Rs.4,43,660Rs.1,996Rs.15,360
Sportz SE AMT (1086)Rs.5,74,000Rs.4,67,600Rs.2,104Rs.15,675

*The values are calculated on the basis of the city (Delhi) and year of registration (2020).

Hyundai Santro Xing Renewal Premium

Car VariantIDV*Zero depreciation (Add on)*Premium*
Xing XE (1086 cc)Rs.72,900NARs.3,536

*The values are calculated based on the city (Delhi) and year of registration (2013). These values may differ in your city and state of your car. For latest details, please refer to your insurance provider.

Inclusions & Exclusion of Santro Car Insurance


  • Protects all the occupants of the car, including the driver.
  • Protects your car against damage caused due to an accident.
  • Cover against damage or loss due to self-ignition, or explosion.
  • Loss or damage due to terrorism.
  • Total loss due to a malicious act or theft.
  • Coverage against damage due to natural calamities such as flood, earthquake, etc.
  • Covers damage to the third-party and their property.
  • Cashless claims at network garages.


  • Electrical or mechanical breakdown of your car.
  • Normal wear and tear caused due to ageing of your car or lack of maintenance.
  • Repair or replacements of your car's tyres.
  • Cover against damage caused driven without a driver's license.
  • Cover against damage when driving under the influence of intoxicants.
  • Damage or loss to the vehicle when used for illegal activities such as racing.
  • Damage caused when driving outside the geographical area specified in your policy.
  • Damage or loss caused due to nuclear war.


Despite the exclusions, insurance providers offer additional accessories for your Santro car insurance policy. You can hence opt for various add-ons with extra charges.

  • Spare Car Clause, ensures that your travel expenses are covered in case your car is at the garage for repair for more than a specific number of days. This is also known as Daily Allowance Benefit.
  • Consumables Cover, will insure some of the consumable parts and substances that are used in your car's repair. They can be bolts, nuts, pipes, grease to AC gas, coolant, engine oil, ball-bearings, etc.
  • Car Accessories Cover, allows you to claim for your car's accessories in case of repairs or replacement of such parts.
  • Key Replacement Cover, ensures that you can make a claim for a duplicate key or the entire replacement of the lock.

Santro Car Insurance Renewal Process

If the renewal date for Hyundai Santro car insurance policy has come closer, then has got you covered. All you need to do is scroll up on this page and find the form on the right-hand top corner. The following steps from the form are easy and stress-free:

  • Fill the following details in the form: your car's make, variant, RTO code and its year of registration.
  • Select the "Renewal" option and click "Continue".
  • You may simply choose to proceed with your current plan or instead opt for another suitable plan from the comprehensive list of quotes.
  • Advance to make the payment online on your preferred insurance provider's portal.
  • Your insurance policy will reach your email inbox right away.

Frequently Asked Questions (FAQs)

1. My car is more than a year old. Can I still opt for zero depreciation add-on?

Yes, however, the percentage of depreciation considered will be much lower than that of a new car.

2. My Santro car is totally damaged and beyond repair. Can I claim insurance for its total invoice amount?

Unless you have Return to Invoice add on, you cannot claim insurance for the complete invoice amount. The insurance company will instead compensate you with the Insured Declared Value of your Santro car.

3. My Santro's battery went down, and I used Hyundai's roadside assistance services. Can I make a claim on the repair?

Yes, you can make a claim if you have Roadside Assistance add-on as part of your Santro car insurance policy.

4. My laptop was inside my Hyundai Santro when the car was stolen. Can I claim the insurance on the theft of my personal belongings?

Yes, you can claim the insurance on the theft of your personal belongings if your Santro car insurance has Personal Belongings Cover add-on.

Last updated on 18-11-2020