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Buying car insurance for Kia Seltos is crucial as it is compulsory to purchase third-party car insurance to comply with the Motor Vehicles Act. However, you can consider buying comprehensive insurance for you Kia Seltos as it provides third-party and an Own Damage cover. Car insurance not only covers damage to your car but also covers injury/accidental death of the driver/third-party. A car insurance policy makes sure that you are financially covered in case of an accident or theft of your vehicle. Below are the benefits of buying car insurance for Kia Seltos:
A comprehensive/third-party car insurance plan provides coverage against damage to third-party property and injury/accidental death of the third-party property. The insurer will take the liability for third-party damage in case of an accident.
A comprehensive car insurance policy provides coverage against damage to your Kia Seltos and injury/accidental death of the driver/owner. The coverage includes damage due to an accident, damage due to fire and damage due to man-made/natural disasters.
A comprehensive car insurance plan allows you to expand the coverage benefits via add-on covers. You can purchase car insurance add-ons such as Roadside Assistance Cover, Engine Protection Cover, Passenger Cover, No Claim Bonus Cover, etc. to enhance the scope of coverage of the Kia Seltos car insurance.
One of the major advantages of a comprehensive car insurance plan is the coverage against theft or total loss of the insured vehicle. In case your Kia Seltos suffers a total loss or is stolen, the insurer will pay you the IDV (Insured Declared Value) of the vehicle.
There are mainly two types of car insurance plans available for Kia Seltos: Third-Party car insurance and Comprehensive car insurance. Both plans offer different coverage benefits. Below are the coverage details of third-party and comprehensive car insurance plans:
It is mandatory to purchase third-party car insurance for your Kia Seltos to comply with the Motor Vehicles Act. However, third-party car insurance provides only third-party damage coverage and does not provide an Own Damage cover.
In addition to third-party damage cover, comprehensive car insurance also provides an Own Damage cover. The insurance plan covers damage to your Kia Seltos. The coverage includes accidental damage and damage due to fire or natural/man-made disasters. Apart from that, the comprehensive car insurance policy also covers injury/accidental death of the driver and theft or total loss of the vehicle. You can also buy add-on covers to enhance the coverage benefits of the comprehensive car insurance policy.
Kia Seltos insurance provides coverage against the following:
Loss/Damage to third-party property or life.
Loss/Damage to the vehicle due to an accident.
Injury/Accidental death of the driver/owner
Loss/Damage to the vehicle due to natural disasters such as storms, cyclones, earthquakes, floods, etc.
Loss/Theft of the insured vehicle.
Loss/Damage to the vehicle due to man-made disasters such as vandalism, etc.
Loss/Damage to the vehicle due to an explosion or fire outbreak.
Note: Own Damage cover applies only to Comprehensive Car Insurance plans.
Kia Seltos car insurance will not provide coverage under the following circumstances:
Loss/Damage to the vehicle due to mechanical or electrical failure.
Loss/Damage to the vehicle due to natural wear and tear.
Improper handling of the vehicle.
Loss/Damage to the vehicle due to reckless driving.
Driving the vehicle without a valid driving license.
Driving the vehicle under the influence of alcohol/intoxicating substances.
Add-on covers which are not purchased.
A comprehensive car insurance plan allows you to purchase add-ons to enhance the scope of coverage. Below are the available add-ons for Kia Seltos car insurance:
No Claim Bonus cover
Return to Invoice cover
Roadside Assistance cover
Engine Protection Cover
Zero Depreciation Cover
Below are the benefits of buying ACKO car insurance policy for your Kia Seltos car:
At ACKO General Insurance, you can buy car insurance online without any paperwork. The entire process of purchasing car insurance can be completed online with minimal documentation. The online process saves you a lot of time.
Registering a car insurance claim at ACKO is very simple with minimal documentation. You can apply and track the claim status online. ACKO offers instant claim settlement for minor damages. Major damage claims will be settled after the verification and assessment of the damaged vehicle.
ACKO’s team of car insurance experts will provide you with unbiased advice on Kia Seltos insurance. The customer support team will assist you in purchasing the right car insurance plan and add-ons for your Kia Seltos car.
ACKO suggests the optimum Insured Declared Value (IDV) for your car and provides car insurance plans and add-ons covers. You can compare different insurance plans and add-on coverages before making the final decision.
Follow the below steps to register a car insurance claim at ACKO General Insurance:
Download the ACKO smartphone app or log on to website www.ACKO.com.
Select ‘Car Insurance’ option from the products drop-down menu.
Next, select the ‘Car Claims’ option from the Claims drop-down menu.
Login to your ACKO account and enter details such as insurance policy number, vehicle registration number, etc.
State the nature of the damage and upload pictures of your damaged car.
Upon verification and assessment of the damage, the vehicle will be picked* up for repairs.
You can track the repair works online via the website or smartphone app.
Your vehicle will be delivered once the repairs are completed.
You will receive instant claim settlement for minor damages.
*Note: Vehicle pickup and delivery service are available in select cities.
The technical terms involved in car insurance can be confusing if you are buying insurance for your car for the very first time. To make things easier, you can refer to the queries below related to Kia Seltos car insurance:
You can buy Kia Seltos car insurance online or offline. But the best option is to purchase car insurance online as it will save you a lot of time and money. Apart from that, you can compare car insurance plans from different insurers before purchasing online car insurance.
The cost of car insurance depends on the value/condition of the vehicle and type of insurance plan and add-ons you choose.
No, you cannot buy add-ons for a third-party car insurance plan. Only a comprehensive car insurance plan allows you to purchase add-on covers.
A comprehensive car insurance plan allows you to buy add-on covers. You can consider buying add-ons such as Engine Protection Cover, No Claim Bonus Cover, Zero Depreciation Cover, Passenger Cover, Consumables Cover and Roadside Assistance Cover for your Kia Seltos car insurance.
Yes, you can buy a 1-year comprehensive car insurance policy for your Kia Seltos. However, along with the 1-year comprehensive plan, it is mandatory to purchase a 3-year third-party liability policy to comply with the rules and regulations.
Yes, you can renew car insurance within the grace period after it expires. Post grace period, you need to pay the required penalty charges to renew the car insurance. Note that an expired car insurance policy does not provide coverage. So, it's better to renew the car insurance before it expires.
You need to submit the following documents to renew the car insurance:
The previous insurance certificate
Vehicle registration certificate
You need to submit the following documents to register a car insurance claim:
Car insurance policy certificate
Vehicle registration certificate
Driving licence of the driver
Vehicle repair cost estimation
Certificate (FIR) issued by the Police (If required)
The claim settlement ratio differs from one insurer to another. The claim settlement ratio is nothing but the ratio between the received claims and settled claims in a financial year.
IDV is the current value of your vehicle, and the insurance premium is calculated depending on the IDV of your vehicle. The IDV is also the maximum sum insured amount, which will be paid to you by the insurer in case of total loss or theft of the insured vehicle.
Below are the car insurance plans for other Kia cars: