Hyundai Creta Electric Car Insurance

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The Hyundai Creta has always been a popular choice, and now its electric variant is making waves. Just like the car itself, choosing the right insurance is essential, not only for legal compliance but also to safeguard against unexpected expenses. However, apart from legal requirements, it is essential to buy adequate coverage for a premium car like the Creta Electric. Read more to know everything about the Hyundai Creta Electric car insurance.

Benefits of Hyundai Creta Electric Car Insurance

Car insurance can financially protect you against damages to third-party properties due to your car and your car’s damage as well. Let us look at the key benefits of buying a Hyundai Creta Electric Car Insurance.
 

  • Legal Compliance-It is mandatory by law for all registered vehicle owners to have at least a third-party cover. This allows you to drive your Hyundai Creta Electric legally in India.
  • Financial Stability-Car insurance financially covers you against third-party liabilities and your vehicle damages as well in case of accidental losses.
  • Personal Accident Cover-This mandatory add-on provides coverage for accidental injuries, disability, or death of the insured.
  • Protection Against Theft-Your car insurance policy provides compensation if your Hyundai Creta Electric is stolen.
  • Protection Against Natural and Man-Made Disasters-A comprehensive car insurance policy will protect you against damages due to uncontrollable situations like riots, floods, landslides, and other such natural or man-made disasters.
  • Customisability-The comprehensive car insurance plan offers flexible pricing and comprehensive coverage. This allows you to personalise your insurance as per your needs and budget.
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Types of Car Insurance for Hyundai Creta Electric

There are generally two types of policies available for a Hyundai Creta Electric car insurance. Here is a detailed description of both.
 

Third-party Cover

A third-party plan provides compensation to individuals for injuries or property losses resulting from accidental damage caused by your car. This insurance plan is also mandatory for all registered vehicle owners to have, as per the Motor Vehicles Act of 1988.
 

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Comprehensive Cover

A comprehensive Hyundai Creta Electric car insurance will protect you against third-party liabilities and compensate for your car’s damages as well, in case of accidental losses.
Unlike third-party insurance, it offers flexible IDV and coverage options, allowing you to choose the best policy for your needs.
 

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Comprehensive Car Insurance Plan Vs Third-party Car Insurance Plan

Here are the key differences between the two insurance plans available in your Hyundai Creta Electric car insurance.

FeaturesThird-party Cover Comprehensive Cover
   
CoverageCovers third-party liabilities in case of accidental damage caused by your car.Covers third-party liabilities and your own vehicle in case of accidental losses.
Legal RequirementThis insurance coverage is mandatory in India under the Motor Vehicles Act of 1988.It is not mandatory by law.
Add-onsAdd-ons are inapplicable for this insurance plan.You can buy ddd-ons with this plan.
No Claim Bonus (NCB)NCB does not apply to this plan.NCB is applicable and can offer up to 50% discount on premiums.
CustomisabilityThe third-party plan has fixed coverage optionsComprehensive plans have customisable coverage options as per your needs and budget.
Price FlexibilityIt has a fixed price and is based on the Battery capacity (kW) of a vehicle.Variable IDV and the option to buy Add-ons offer flexibility in pricing.

Inclusions/Exclusions in Hyundai Creta Electric Car Insurance
 

Here is a list of events included in the Hyundai Creta Electric car insurance policy at ACKO.

  • Third-party liabilities include third-party injuries or property damages.
  • Accidental damage to your Hyundai Creta Electric car.
  • Compensation for Injuries, disability, or death of the car owner in an accident.
  • Damages to your car due to fire or explosion.
     
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Here are some exclusions in the ACKO Hyundai Creta Electric comprehensive car Insurance policy.

  • Rash Driving or not adhering to the traffic rules.
  • Regular wear and tear caused by general depreciation.
  • A car breakdown can occur due to mechanical or electrical failure.
  • Driving under the influence of Alcohol.
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Add-ons for Hyundai Creta Electric Car Insurance

Add-ons are additional coverage options that can enhance your insurance plan and increase your coverage. Let’s know about some popular add-ons for the Creta Electric.
 

Zero-Depreciation Cover

This add-on pauses the decrease in your car’s IDV due to depreciation for up to 5 years of age. This helps to maximise your claims for the repair or replacement of parts.
 

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Return to Invoice Cover

This add-on will allow you to receive the full invoice price of your car, including registration costs and road tax, in case there is a total loss of your vehicle in an accident.
 

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NCB Protection

With this Add-on, your insurer allows you to make one claim in your insurance policy without breaking your NCB accumulation. This helps you receive a constant discount on premiums.
 

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Roadside Assistance

It provides immediate assistance in case of roadside emergencies. Its services include emergency towing, emergency charging, minor repairs, and other related services.
 

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Hyundai Creta Electric Insurance Price

The cost of insuring your Hyundai Creta Electric depends on multiple factors assessed by insurers. These directly influence your premium amount and overall policy cost.
 

  • Depreciation-As your car gets older, its Insured Declared Value (IDV) reduces due to depreciation. A lower IDV translates to a lower insurance premium.
  • Voluntary Deductible-If you choose to pay a portion of the claim amount voluntarily, insurers reward you with reduced premiums.
  • RTO Location-Insurance premiums in metro and city areas are higher compared to smaller towns, owing to increased risks of accidents, theft, and higher repair costs.
  • No-Claim Bonus (NCB)-Maintaining a claim-free record or avoiding traffic violations earns you NCB discounts, while frequent claims or violations can make your premiums more expensive.

Benefits of Buying ACKO Car Insurance for the Hyundai Creta Electric

With a high claim settlement ratio of 99.10% in FY 2023-24, ACKO has earned the trust of car owners across India. Here are the key benefits of choosing ACKO car insurance for your Hyundai Creta Electric:
 

  • Digital Interface-You can buy or renew car insurance through the ACKO app or website within minutes. This helps to make car insurance more convenient.
  • Instant Claim Settlement-Minor claims are settled instantly with minimal documentation. For major claims, ACKO’s support team provides end-to-end assistance, ensuring a smoother experience.
  • Seasonal Discounts and Offers-ACKO rolls out special discounts during festivals and peak seasons. Purchasing your policy at such times can help lower premiums, offering better value for money.
  • Pickup and Drop Facility-In selected locations, ACKO provides a pickup and drop service where your car is taken to a partner garage, repaired, and delivered back within three days.
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How to Buy Hyundai Creta Electric Car Insurance From ACKO?

Getting your Hyundai Creta Electric car insurance renewal or purchasing a new insurance policy is simple with ACKO. Here is a step-by-step process.
 

Step 1: Click here to visit the ACKO car insurance website or open it through the ACKO mobile app.
Step 2: Enter your car’s registration number in the white box and click on “Check Prices”.
Step 3: Share and verify details of your previous Hyundai Creta Electric car Insurance as required further in the process.
Step 4: Customise your coverage type, add necessary add-ons, and pay online.
Step 5:  With successful payment, you will receive your Hyundai Creta Electric car insurance documents via email.

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Documents Required for Hyundai Creta Electric Car Insurance

Here are the documents required for buying the Hyundai Creta Electric car insurance online.
 

  • Aadhaar Card
  • Pan Card
  • Driving License
  • RC or Vehicle Registration Certificate
  • Vehicle Details such as make, model, etc.
  • NCB Details
  • Previous insurance documents.

Claim Procedure for Hyundai Creta Electric Car Insurance

Making car insurance claims with ACKO is simple. You just need to upload some images and provide the necessary details as required.

Step 1: Open the ACKO app or website and log in to your account with your registered mobile number.
Step 2: You will see a list of insurance policies registered to your number.
Step 3: Select the Hyundai Creta Electric car insurance and click on “Claim Now”.
Step 4: Upload multiple pictures of your damaged vehicle, provide necessary details, and click on “Submit”.
Step 5: Our team will contact you and verify your claims as soon as possible.

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Hyundai Creta Electric Overview

The EV version of the Hyundai Creta retains its signature appeal but adds sharper styling and modern EV features. The Creta EV comes in 5 variants and two battery options with a range of up to 407 kilometres.
The Creta Electric comes with level 2 ADAS technology and a massive sunroof to make it a premium car. You can buy a Hyundai Creta Electric at a price ranging from ₹17.99 to ₹24.38 Lakh*, depending on the variant you buy.
*This price may vary based on the variant you buy and the location of your RTO.

Hyundai Creta Electric Rivals
 

  • Tata Curvv EV
  • MG ZS EV
  • Mahindra BE 6
  • Maruti e Vitara
  • Tata Nexon EV

Frequently Asked Questions

Yes, having a third-party cover for all registered vehicles, including EVs like the Hyundai Creta Electric, is mandatory as per the Motor Vehicles Act of 1988.
 

The third-party insurance and the comprehensive insurance policies are the two main insurance covers available for the Hyundai Creta Electric.
 

Here is a list of popular add-ons available for the Hyundai Creta Electric car.

  • Zero-Depreciation Cover
  • Return to Invoice cover
  • Roadside Assistance
  • NCB Protection, etc.

You can buy Hyundai Creta Electric car insurance simply by visiting the ACKO app or ACKO car insurance website. Enter the required details, choose your coverage type, and pay the amount to buy the insurance policy.

The Creta Electric comes with two battery options: the 42kW and the 51.4kW, offering a range of up to 407 km.
 

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Written by Saumya Srivastava

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Reviewed by Lokesh Shetty Author info Icon

A professional writer who loves delivering content that resonates, educates, and keeps readers engaged, making the often complex world of insurance more approachable and enjoyable. Beyond the pen, she is a passionate foodie at heart who believes in savoring life’s flavors in all aspects, whether it's a new dish or a well-crafted sentence.

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