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Hyundai Xcent Car Insurance
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About Hyundai Xcent

Xcent is a sedan from Hyundai Motor Company, a South Korean automobile manufacturing firm. Based in Ulsan in South Korea, Hyundai makes more than 1.6 million cars annually. Its cars are sold in 193 countries across the world. The Xcent is a family sedan that offers comfort and luxury and has the best safety features.

Key Features of Hyundai Xcent

Hyundai Xcent has two engines. One is the 1.2 litres U2 CRDi 5-speed manual transmission that runs on diesel. The other is the 1.2 litres Kappa Dual VTVT 5-speed manual transmission, which is a petrol vehicle. Both variants have a fuel tank capacity of 43 litres. The mileage for the diesel variant is 25.4 km/l. For the petrol variant, it is 20.14 km/l. A 4-speed petrol variant is also available with automatic transmission.

The Xcent features an aerodynamic design to ensure that the ride is stable and smooth. Prominent features of the vehicle exterior and interior include stylish headlamps, cascade design grille, alloy wheels, and an interior design that has been done ergonomically. Xcent is available in five colour shades. The sporty design of the car with the airy and bright cabin are its attractions.

Safety is a key consideration in the Xcent and it has features like Anti-lock braking system, Rear defogger, dual airbags, and EBD. Reverse assist with an audio screen is a safety feature that makes reversing easy. Some of the other features of the car are:

  • Fully automatic temperature control.
  • 17.46 cm audio video
  • Wireless phone charger
  • Steering wheel remote control
  • Push start-stop button with the smart key.
  • Driver seat height adjustment.
  • Wireless phone charger.
  • Luggage lamp.

Premium for Xcent Car Insurance

Hyundai Xcent's car insurance premium depends on factors like the type of model, engine type, and the year of manufacture. The following table shows the car variants and the premium along with the Insured Declared Value (IDV):

Car VariantPrice of the CarIDV*Zero depreciation (Add on)*Premium*
Xcent 1.1 CRDI 1186 cc 5-speed, dieselRs.6,73,261Rs.6,09,903Rs.2,745Rs.19,549
Xcent1.2 Kappa Dual VTVT 4-speed automatic Petrol 1197 ccRs.7,33,734Rs.6,83,050Rs.3,996Rs.19,847
Xcent1.2 Kappa Dual VTVT 5-speed manual Petrol 1197 ccRs.6,73,261Rs.5,38,650Rs.2,115Rs.12,352

*The prices are calculated based on year of registration (2020) and city (Delhi).

Inclusion & Exclusion of Xcent Car Insurance


  • Coverage against losses suffered due to theft of the car.
  • Coverage for damage to a third party individual/property.
  • Damages caused as a result of natural calamities like flood, earthquake, and cyclones are covered.
  • Covers damages caused by terrorist acts and fire.
  • Damages caused by fire or explosion are covered by the policy.
  • Damages during transit are covered by the policy.
  • Damages caused to the car due to an accident are covered.


  • Damages due to general wear and tear are not covered.
  • An accident caused while driving without a license is not covered.
  • Mechanical and electrical breakdown is not covered.
  • Damages caused when the driver is under the influence of alcohol or drugs are not covered.
  • Damages to the tyres, tubes, and to the engine are not covered in the policy.
  • Damages caused in an accident while using the car for commercial purpose or for racing are not covered.
  • Deliberate damage to the car is not covered.
  • Damages caused to the vehicle due to war or enemy hostilities are covered.
  • The cost of consumables would not be covered under the policy.


There are many add-ons available for your Xcent insurance policy. These add-ons allow you to get the benefit of additional coverage on the policy. Some of the key add-ons include:

  • Zero depreciation, allows the bumper to bumper coverage of the car. Depreciation, which is normally calculated at the time of claim settlement is not considered if this add-on is purchased.
  • Engine protection cover, is an add-on that ensures that any damage to the engine can be claimed, which is normally disallowed.
  • Invoice cover, is a very useful add-on that ensures that the original invoice value of the car is considered for claim settlement, rather than the current IDV of the car.
  • Accessories cover, ensures that replacement of electrical and non-electrical accessories would be covered by the policy.
  • Tyre protector cover, is beneficial as it extends the insurance coverage to include tyres and tubes, which are normally left out.

Xcent Car Insurance Renewal Process

Renewing your Hyundai Xcent car insurance policy is very easy when you choose to do it with PolicyX.com. Look for the form that is located on the top right corner of this page, scroll up and you can access this form.

  • Enter your details like the car model, variant, RTO code, and the year when it was registered.
  • Click on the 'Renew' option and then click on 'Continue' to start the renewal process.
  • You have two options here, one is to simply continue with your existing provider. The other is to look for quotes from others and then choose an insurer.
  • Once you choose the insurer, make the payment online (on the insurer's portal) using the available payment modes.
  • Your insurance renewal is now complete. A copy of the insurance policy with the renewal date will be e-mailed to you immediately. Make sure you keep a copy in your Xcent.

Frequently Asked Questions (FAQs)

1. Can I get a discount on my Xcent premium if I have security devices installed in the car?

Yes! If you have security devices approved by ARAI in your car, you can get a discount on your premium. Do indicate this at the time of premium payment.

2. I have bought a new Hyundai Xcent after exchanging my old car? Can I transfer the NCB from the old car?

Yes, No Claim Bonus or NCB can be transferred from your old car to your new one. The NCB is in the name of the policyholder and not the car. Make sure you get it transferred since you can get a discount on your premium through the NCB.

3. My Xcent car was borrowed for my friend who used it to shift goods from his store when it met with an accident. Can I claim insurance for the damages?

Shifting goods from a store will be considered as a commercial activity. As per the terms on your Xcent insurance policy, if the car is used for any commercial purpose, then claims made on the policy are not admissible. You must take care when you give out your car to someone else.

4. I had fitted car spoilers for my Hyundai Xcent. In case of an accident, can I claim for damages to the spoiler?

Spoilers are accessories for your car. As per the policy terms, accessories are excluded and you cannot make a claim on the policy. If you have taken an accessories add-on to your policy, then it would be possible to make a claim to cover damages to the spoiler in an accident.

Last updated on 03-04-2020