Hyundai Car Insurance

So you own a Hyundai Car? Hats off just to that!

Planning to renew the insurance of your good old Hyundai Santro or looking for the best car insurance for your brand new Hyundai Creta – you’ve landed in just the right place.

Let’s dive into the car insurance basics for your Hyundai car.

Understanding Hyundai Car Insurance

Must-know Coverage for Your Hyundai Car

You can get following kinds of insurance policies for your Hyundai Car:

Third-Party Car InsuranceComprehensive Car Insurance
Only covers third-party injuries and damages, and not those to your own vehicle.Gives third-party policy + coverage for losses and damages to your own car
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Hyundai car?
Additional coverage like bumper-to-bumper cover, engine protector is NOT available.Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.

Why You Should Insure Your Hyundai Car?

Most Hyundai cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:

  • Be sure that you’re rightfully compensated if your Hyundai car was stolen or damaged beyond repairs.
  • Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
  • Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
  • Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!

Good-to-Have Insurance Add-ons for Hyundai Cars

  • Zero Depreciation Cover:

Irrespective of the model of Hyundai you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

  • Return to Invoice Cover:

So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.

  • Engine Protector Cover:

A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover you could claim for those damages too. Whether you own a high-end car like Hyundai Verna or Hyundai Creta or regular hatchback like Hyundai Eon, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.

  • No-claim Bonus Protector Cover:

If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Hyundai cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.

  • Passenger Cover:

This personal accident cover for passenger is a must-buy for any Hyundai car owner. A lower end model of Hyundai may not come with safety features like airbags or child safety locks. If you use your Hyundai car to drive your family on a daily basis, it makes sense to buy this add-on.

A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Hyundai you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things a Car Insurance Covers For Any Hyundai Car

  • Personal accident coverage for owner-driver
  • Accident-related damages to your car
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen car

Things a Car Insurance Does Not Cover For Any Hyundai Car

  • Wear and tear caused over the years [including flat tyres]
  • Losses caused when the car was driven without a driving license
  • Damages caused when the car was being driven under the influence of alcohol
  • Driving outside the geographical limits
  • If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Hyundai Insurance

How can I renew my Hyundai Insurance online?

Your Hyundai Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered

The car insurance of my Hyundai Eon has already expired. Is vehicle inspection mandatory?

Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.

Is an online insurance policy valid for car?

Of course it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

How do I get no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.

At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.

All vehicle Type NCB Grid% of discount on own damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive car insurance?

The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Hyundai car.

Models Manufactured by Hyundai: Which One Do You Drive?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Hyundai EON1.0L Kappa Magna Plus (O)99820.368.05820445,000 to 467,000
Hyundai EOND Lite81421.155.2715331,000 to 347,000
Hyundai EOND Lite Plus81421.155.2715357,000 to 374,000
Hyundai EONEra Plus81421.155.2715371,000 to 359,000
Hyundai EONEra Plus Sports Edition81421.155.2715388,000 to 407,000
Hyundai EONMagna Plus Sports Edition81421.155.2750414,000 to 434,000
Hyundai EONMagna Plus Option8142255.2735412,000 to 432,000
Hyundai EONSportz81421.155.2715431,000 to 452,000
Hyundai EON1.0 Magna Plus Option O99820.0368.05805445,000 to 467,000
Hyundai Grand i101.2. Kappa Era119718.982935458,000 to 480,000
Hyundai Grand i101.2 Kappa Magna119718.982935511,000 to 536,000
Hyundai Grand i101.2 kappaSportz118624751025553,000 to 580,000
Hyundai Grand i101.2 kappa Sportz(O)119718.982935583,000 to 612,000
Hyundai Grand i101.2 CRDi Asta118624751025715,000 to 750,000
Hyundai Xcent1.2 VTVT Sx (O)119719.182950530,000 to 565,000
Hyundai Xcent1.2 VTVT Base119719.182950599,000 to 628,000
Hyundai Xcent 1.2 VTVT S119719.182950614,000 to 644,000
Hyundai Xcent1.1 CRDi Base112024.471950616,000 to 646,000
Hyundai Xcent1.2 VTVT S Special Edition119719.182950630,000 to 661,000
Hyundai Xcent1.2 VTVT Sx119719.182950673,000 to 706,000
Hyundai Xcent1.2 Kappa S AT119719.182950686,000 to 720,000
Hyundai Xcent1.1 CRDi S112024.471950698,000 to 732,000
Hyundai Xcent1.1 CRDi S Special Edition112024.471950703,000 to 738,000
Hyundai Xcent1.1 CRDi Sx112024.471950719,000 to 754,000
Hyundai Xcent1.2 Kappa SX Option AT119719.182970765,000 to 803,000
Hyundai Xcent1.1 CRDi Sx (O)112024.471980783,000 to 822,000
Hyundai Elite i201.2 Era119718.681.831066530,000 to 556,000
Hyundai Elite i201.2 Magna Executive119718.681.831066582,000 to 611,000
Hyundai Elite i201.2 Spotz119718.681.831066627,000 to 658,000
Hyundai Elite i201.4 Era139622.5488.731515646,000 to 678,000
Hyundai Elite i201.2 Asta119718.681.831066679,000 to 712,000
Hyundai Elite i201.4 Magna Executive139622.5488.731515700,000 to 735,000
Hyundai Elite i201.2 Asta Dual Tone119718.681.831066703,000 to 738,000
Hyundai Elite i201.4 Sportz139622.5488.731515746,000 to 783,000
Hyundai Elite i20 1.2 Asta Option119718.681.831066759,000 to 796,000
Hyundai Elite i201.4 Asta139622.5488.731515801,000 to 841,000
Hyundai Elite i201.4 Asta Dual Tone139622.5488.731515826,000 to 876,000
Hyundai Elite i201.4 Asta Option139622.5488.731515880,000 to 924,000
Hyundai Elite i201.4 Magna AT136818.698.51066881,000 to 925,000
Hyundai i20 ActiveS Petrol119717.1981.86925656,000 to 689,000
Hyundai i20 ActiveStandard Petrol119717.1981.86925726,000 to 770,000
Hyundai i20 ActiveStandard Diesel139621.1988.73925788,000 to 827,000
Hyundai i20 ActiveSX Petrol With AVN119717.1981.86925814,000 to 890,000
Hyundai i20 ActiveS Diesel139621.1988.73925859,000 to 901,000
Hyundai i20 Active SX Diesel With AVN139621.1988.73925948,000 to 1,040,000
Hyundai Verna1.6 SX CRDi158223.9126.211581,070,000 to 1,123,000
Hyundai Verna1.4 VTVT139617.43105.51071770,000 to 810,000
Hyundai Verna1.6 S VTVT159117.01121.31095885,000 to 940,000
Hyundai Verna1.4 CRDi139624.888.71138893,000 to 937,000
Hyundai Verna1.6 SX VTVT159117.01121.31095955,000 to 1,020,000
Hyundai Verna1.6 S VTVT AT159117.01121.31095970,000 to 1,018,000
Hyundai Verna1.6 S CRDi158223.9156.211581,070,000 to 1,123,000
Hyundai Verna1.6 SX VTVT AT159117.01121.310951,034,000 to 1,125,000
Hyundai Verna1.6 SX VTVT (O)159117.01121.310951,058,000 to 1,190,000
Hyundai Verna1.6 S CRDi AT158223.9126.211581,091,000 to 1,145,000
Hyundai Verna1.6 SX CRDi (O)158223.9126.211581,198,000 to 1,258,000
Hyundai Verna1.6 SX CRDi AT (O)158219.08126.211581,277,000 to 134,000
Hyundai Elantra2.0 S199914.5915012651,260,000 to 1,323,000
Hyundai Elantra1.6 S158222.54126.213151,446,000 to 1,518,000
Hyundai Elantra2.0 SX199914.5915013201,446,000 to 1,518,000
Hyundai Elantra2.0 SX AT199914.6215013201,553,000 to 1,630,000
Hyundai Elantra1.6 SX158222.54126.213201,620,000 to 1,701,000
Hyundai Elantra2.0 SX Option199914.5915013201,620,000 to 1,701,000
Hyundai Elantra1.6 SX Option158222.54126.213151,803,000 to 1,890,000
Hyundai Elantra2.0 SX Option AT199914.6215013501,833,000 to 1,924,000
Hyundai Elantra1.6 SX Option AT158218.23126.213501,955,000 to 2,052,000
Hyundai Creta1.6 Petrol E159115.29121.31144901,000 to 946,000
Hyundai Creta1.6 Petrol E Plus159115.29121.31144949,000 to 996,000
Hyundai Creta1.4 Diesel Base139621.3888.71144949,000 to 996,000
Hyundai Creta1.4 Diesel S139621.3888.711441,101,000 to 1,156,000
Hyundai Creta1.6 Petrol SX Plus159115.29121.311351,163,000 to 1,221,150
Hyundai Creta1.4 Diesel S Plus139621.3888.711441,180,000 to 1,230,000
Hyundai Creta1.6 VTVT SX Plus Dual Tone159115.29121.311501,199,000 to 1,258,000
Hyundai Creta1.6 Diesel SX158219.67126.211501,214,000 to 1,274,000
Hyundai Creta1.6 VTVT AT SX Plus158219.67126.211501,262,000 to 1,325,000
Hyundai Creta1.6 Diesel SX Plus158219.67126.211501,311,000 to 1,376,000
Hyundai Creta1.6 Diesel S Plus AT158219.67126.211441,330,000 to 1,456,000
Hyundai Creta1.6 CRDi SX Plus Dual Tone158219.67126.211441,348,000 to 1,415,000
Hyundai Creta1.6 Diesel Anniversary Edition158219.67126.211441,348,000 to 1,415,000
Hyundai Creta1.6 Diesel SX (O)159121.3812311501,414,000 to 1,484,000
Hyundai Creta1.6 Diesel SX Plus AT158217.01126.211441,421,000 to 1,520,000
Hyundai TucsonNu 2WD MT199913.0315315501,924,000 to 2,120,000
Hyundai TucsonR 2WD MT199518.4218315702,192,000 to 2,301,000
Hyundai TucsonNu 2WD AT GL199512.9518315702,212,000 to 2,322,000
Hyundai TucsonR 2WD AT GL199516.3818316232,384,000 to 2,503,000
Hyundai TucsonR 2WD AT GLS199516.3818316232,532,000 to 2,658,000
Hyundai Santa Fe2WD AT219913.01194.320012,939,000 to 3,085,000
Hyundai Santa Fe2WD219914.74194.320013,120,000 to 3,276,000
Hyundai Santa Fe4WD AT219913.01194.320013,340,000 to 3,507,000