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Kia Seltos Insurance

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Kia Seltos Car Insurance

Car Insurance for Kia Seltos

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Kia Motors started its Indian innings with the launch of the Seltos mid-size SUV (Sports Utility Vehicle). Launched in 2019, the Kia Seltos has been one of the best-selling SUVs in the Indian market. The Seltos features a stunning exterior design with signature Kia design elements. The Seltos is also a connected SUV and comes with a host of connected car features. Do you own a Kia Seltos or planning to buy one? Then, read on to know all the details about the Car Insurance Policy for Kia Seltos.

Importance of buying Car Insurance for Kia Seltos Model:

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:

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Third-Party Liability Coverage:

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.

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Own Damage Coverage:

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.

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Add-on Coverage:

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.

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Loss/Theft Coverage:

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.

Car Insurance plans for Kia Seltos Car:

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:

Third-Party Car Insurance

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.

Comprehensive Car Insurance

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.

What’s Covered in Kia Seltos Insurance (Inclusions):

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.

Exclusions of Kia Seltos Car Insurance:

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.

Add-ons for Kia Seltos Car Insurance:

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

  • Consumables Cover

  • Passenger cover

Benefits of Buying ACKO Car Insurance Policy for your Kia Seltos Car:

Below are the benefits of buying ACKO car insurance policy for your Kia Seltos car:

Digital Process

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.

Quick Claim Settlements

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.

Expert Advice

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.

Best Car Insurance Plans

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.

Claim Procedure:

Follow the below steps to register a car insurance claim at ACKO General Insurance:

  1. Download the ACKO smartphone app or log on to website www.ACKO.com.

  2. Select ‘Car Insurance’ option from the products drop-down menu.

  3. Next, select the ‘Car Claims’ option from the Claims drop-down menu.

  4. Login to your ACKO account and enter details such as insurance policy number, vehicle registration number, etc.

  5. State the nature of the damage and upload pictures of your damaged car.

  6. Upon verification and assessment of the damage, the vehicle will be picked* up for repairs.

  7. You can track the repair works online via the website or smartphone app.

  8. The repaired vehicle will be delivered* to you within three days.

  9. You will receive instant claim settlement for minor damages.

*Note: Vehicle pickup and delivery service are available in select cities.

Frequently Asked Questions:

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:

FAQs

1. From where can I buy car insurance for my Kia Seltos?

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.

2. What is the cost of car insurance for Kia Seltos in New-Delhi?

The cost of car insurance depends on the value/condition of the vehicle and  type of insurance plan and add-ons you choose.

3. Can I buy add-ons for a third-party car insurance plan?

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.

4. Which add-ons should I buy for my Kia Seltos car insurance?

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.

5. Can I buy a 1-year car insurance policy for my Kia Seltos?

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.

6. Can I renew the car insurance after it expires?

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.

7. Which documents do I need to submit to renew my Kia Seltos car insurance?

You need to submit the following documents to renew the car insurance:

  • The previous insurance certificate

  • Vehicle registration certificate

  • Identity proof

8. My car is damaged in an accident. What are the required documents to register a car insurance claim?

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

  • Claim form

  • Vehicle repair cost estimation

  • Certificate (FIR) issued by the Police (If required)

9. I am buying car insurance for my Kia Seltos. Which insurer has the best claim settlement ratio?

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.

10. What is Insured Declared Value (IDV) in Kia Seltos car insurance?

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.

Car Insurance for other Kia Car Models/Variants:

Below are the car insurance plans for other Kia cars:

About Car Insurance for Kia Seltos:

Kia Seltos is a mid-size SUV and the build quality of Seltos is top-notch as Kia has used high-quality materials on the exterior and interior. The spare parts and service also come at a premium, and any damage to the SUV can lead to a long list of repair work. Buying car insurance for Kia Seltos is crucial, given the chaotic Indian road conditions. No matter how safely you drive, damages are unavoidable, and that’s when a comprehensive car insurance plan comes into play. The comprehensive car insurance plan covers damage to your vehicle and injury/accidental of the driver/owner.

The coverage includes accidental damage, damage due to fire, damage due to natural disasters and damage due to man-made disasters. Apart from that, the comprehensive car insurance plan provides coverage against theft or total loss of the insured vehicle.You can also buy add-ons to expand the coverage benefits of Kia insurance policy. Another major aspect of a car insurance plan is the third-party liability cover. A third-party or comprehensive car insurance policy provides coverage against damage to third-party property and injury/accidental death of third-party. Overall, a car insurance policy provides financial security and peace of mind.

Why should you buy a Kia Seltos?

Kia Motors launched the Seltos in India in 2019 when the demand for SUVs was on its peak. With aggressive pricing and a plethora of features, the Seltos was an instant hit in the Indian market. The Kia Seltos is a perfect blend of stylish exterior design and feature-loaded interior. The SUV offers a lot of value for the price it demands. With its distinct design, the Seltos grabs eyeballs wherever you go!

Starting with the design, the Seltos features signature Kia design elements such as the tiger-nose front grille and the chrome strip on the boot connecting the taillights. Other highlights of the exterior include sleek LED headlights, LED turn indicators on the front bumper, LED fog lights, sporty alloy wheels, roof rails, shark fin antenna, roof-mounted spoiler with a high-mount stop light, LED tail light cluster and skid plate on the rear bumper. Overall, the Seltos is a sporty SUV with aggressive looks.

The Seltos has a lot in store when you hop inside the SUV. The interior is neatly designed with high-quality materials, and the fit and finish are excellent. The dashboard is dominated by a large touchscreen display for the infotainment system and AC vents on the centre. Other highlights of the interior include a multi-information display on the instrument cluster, automatic AC controls, premium Bose sound system, wireless smartphone charger, ambient lighting and much more.

The Seltos is a connected car and comes with a dedicated smartphone app to control various functions of the SUV. The Seltos is available in both petrol and diesel variants and with the option of manual or automatic transmission. The Seltos is a complete package with a sporty design, powerful engine and feature-loaded interior. If you are in the market for a mid-size SUV loaded with features, then the Seltos is a perfect choice!

Highlights of Kia Seltos

  • Sporty exterior with signature Kia design elements such as tiger-nose grille.

  • Sleek LED headlights, LED fog lamps and turn indicators.

  • Sporty crystal cut alloy wheels.

  • Heartbeat-shape LED tail light cluster.

  • Multi-Information Display (MID) on the instrument console.

  • Large touchscreen display for the infotainment system.

  • Electric sunroof.

  • Ambient lighting and LED sound mood lighting.

  • Multiple driving modes along with traction control modes.

  • Electrically adjustable driver seat.

  • Automatic AC temperature control.

  • Ventilated front seats

  • Electrically operated windows.

  • Automatic cruise control system.

  • AC vents for the rear passengers.

  • 360-degree camera with front parking sensors.

  • Wireless smartphone charger.

  • Connected car technology with UVO Connect smartphone app.

  • Bose premium sound system with eight speakers.

  • Six airbags

  • Air purifier

  • Disc brakes on all four wheels.

  • Tyre pressure monitoring system (TPMS).

Variants of Kia Seltos with Specifications and E-Showroom Price:

Refer to the following tables for specifications, variants and prices of Kia Seltos SUV:

Kia Seltos Specifications:

Engine 1.5-Litre 1.4-Litre Turbocharged 1.5-Litre
Fuel Type Petrol Petrol Diesel
Power 113 Bhp 138 Bhp 113 Bhp
Torque 144 Nm 242 Nm 250 Nm
Transmission 6-Speed Manual/Automatic 6-Speed Manual/Automatic 6-Speed Manual/Automatic
Drivetrain 2-Wheel-Drive 2-Wheel-Drive 2-Wheel-Drive
Seating Capacity 5-Seater 5-Seater 5-Seater
Fuel Tank 50 Litre 50 Litre 50 Litre
Fuel Efficiency 16.50kmpl(M)/16.80kmpl (A) 16.10kmpl (M)/16.50kmpl (A) 21kmpl (M)/18kmpl (A)
Boot Space 433 Litre 433 Litre 433 Litre

Kia Seltos Variants and Ex-Showroom Price:

Model Variant Fuel Type Price
Kia Seltos HTE Petrol Rs. 9.89 Lakh
Kia Seltos HTK Petrol Rs. 10.29 Lakh
Kia Seltos HTK Plus Petrol Rs. 11.49 Lakh
Kia Seltos HTX Petrol Rs. 13.09 Lakh
Kia Seltos HTX Dual-Tone Petrol Rs. 13.29 Lakh
Kia Seltos Anniversary Edition Petrol Rs. 13.75 Lakh
Kia Seltos HTX AT Petrol Rs. 14.09 Lakh
Kia Seltos HTX AT Dual-Tone Petrol Rs. 14.29 Lakh
Kia Seltos Anniversary Edition AT Petrol Rs. 14.75 Lakh
Kia Seltos GTX Petrol Rs. 15.29 Lakh
Kia Seltos GTX Dual-Tone Petrol Rs. 15.49 Lakh
Kia Seltos GTX Plus Petrol Rs. 16.29 Lakh
Kia Seltos GTX Plus AT Petrol Rs. 17.29 Lakh
Kia Seltos HTE Diesel Rs. 10.34 Lakh
Kia Seltos HTK Diesel Rs. 11.54 Lakh
Kia Seltos HTK Plus Diesel Rs. 12.54 Lakh
Kia Seltos HTK Plus AT Diesel Rs. 13.54 Lakh
Kia Seltos HTX Diesel Rs. 14.14 Lakh
Kia Seltos HTX Dual-Tone Diesel Rs. 14.34 Lakh
Kia Seltos Anniversary Edition Diesel Rs. 14.85 Lakh
Kia Seltos HTX Plus Diesel Rs. 15.34 Lakh
Kia Seltos HTX Plus AT Diesel Rs. 16.34 Lakh
Kia Seltos GTX Plus AT Diesel Rs. 17.34 Lakh

Note: All prices are ex-showroom Delhi as of 5 November 2020

MG Hector Vs Kia Seltos:

Kia Seltos is a mid-size SUV while MG Hector is a full-size SUV. Although the Hector and Seltos belong to different segments, both the SUVs come with connected car technology and a host of creature comfort features. The Seltos and Hector are available in petrol and diesel variants, and the Hector also gets a petrol-hybrid model. Refer to the table give below to know how does the MG Hector fare against the Kia Seltos:

Specification MG Hector Kia Seltos
Engine 1.5-litre Petrol/2-litre Diesel 1.5-litre Petrol/1.4-Litre Petrol/1.5-litre Diesel
Fuel Type Petrol/Diesel/Petrol-Hybrid Petrol/Diesel
Gearbox Manual/Automatic Manual/Automatic
Seating Capacity 5-Seater 5-Seater
Variants 16 23
Ex-Showroom Price Rs. 12.74 lakh - Rs. 18.08 lakh Rs. 9.89 lakh - Rs. 17.34 lakh

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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