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The Kia Sonet is the second car from Kia Motors after launching the popular Kia Seltos in India. Kia Motors has ensured with the Seltos that it will offer feature-rich and well-designed vehicles for India. Now, the Kia Sonet is another well-designed vehicle from the South Korean car manufacturer. For a well-engineered and designed vehicle, it needs the best car insurance policy. Read on to learn all about Kia Sonet car insurance and answers to some of the frequently asked questions.
Motor insurance is not just a mandatory document that you should possess as per legal requirements, it is the most important factor to protect you against financial burden in case of accidental damage or losses. While the Third-Party Car Insurance satisfies the legal requirement, Comprehensive Car Insurance offers a plethora of benefits. From covering the insured bike and third-party losses, it also provides access to useful Add-on covers to enhance your insurance package. Below are the important factors to buy car insurance for Kia Sonet:
Offers coverage for third-party losses as well as coverage for the insured car.
Personal Accident cover for the owner-driver of Rs. 15 lakh.
In case of a total loss, get the Insured Declared Value (IDV).
Offers coverage against man-made calamities such as vandalism, riots, etc.
Offers Coverage against natural calamities such as earthquakes, floods, etc.
Option to choose the IDV.
Option to choose useful Add-ons such as NCB Protect, Zero Depreciation, Invoice Protect, etc.
The following are the types of car insurance in India:
Covers only the third-party life or property and is mandatory as per the law and does cover the insured car.
Covers both third-party and the insured car along with the option to choose from several car insurance add-on covers.
|Coverage||Comprehensive Insurance||Third-Party Insurance|
|Third-party life and property||✔||✔|
|Damages/Losses to the insured Kia Sonet car||✔||✘|
|Man-made Calamities (riots, etc.)||✔||✘|
|Natural Calamities (earthquakes, floods, etc.)||✔||✘|
|Personal Accident Cover (PA) for the policyholder.||✔||✔|
|Theft of the insured Kia Sonet||✔||✘|
|Option to include Add-ons||✔||✘|
|Customise Insured Declared Value (IDV)||✔||✘|
The mandatory Third-Party car insurance covers a third-party’s life or property, while it is the Comprehensive car insurance that offers extensive coverages listed below:
Personal Accident cover to the policyholder.
Coverage of the insured car in case of accidental damages.
Coverage of third-party life and property.
Damages or losses due to man-made calamities such as riots, vandalism, etc.
Damages or losses due to natural calamities such as earthquakes, floods, etc.
Option to choose several Add-on covers.
Get the sum insured in case of a total loss to the insured bike.
The Kia Sonet insurance also comes with certain exclusions as listed below:
Mechanical or electrical breakdown.
Regular wear and tear of car parts.
Driving the car with an invalid Driving Licence (DL).
Driving with expired car insurance.
Driving under the influence of intoxicating substances.
Damages or losses caused outside the specified geographical limits.
Below are the Add-on covers that are available with the Comprehensive car insurance for your Kia Sonet:
The insurer will settle the claim without considering the depreciation of the parts being replaced or repaired.
Get the car engine covered for water ingression or oil leakage, which is excluded in the basic comprehensive insurance plan.
Get the invoice value (ex-showroom price) in case of a total loss or damages to the insured car.
Protect your NCB (discount) even if you raise a claim during the policy period.
Avail roadside assistance in case of a breakdown for services such as emergency towing, general repairs, fuel fill, etc.
Get coverage for high-end accessories such as a high-end music system, rear parking camera, etc.
Get coverage for consumable parts being replaced due to accidental damage to the insured car.
Acko is a new-age digital insurance company and is trying to transform the way you buy/renew/raise claims without any hassles. Below are the main advantages of insuring your Kia Sonet with Acko:
Buy, renew and raise claims online through the insurer’s website or through the mobile app. You can also compare car insurance before you can make an informed decision.
With paperless experience, claim settlement is faster than ever before. Raise and settle claims online to reduce the turnaround time.
Get guidance from professionals throughout the policy period about buying, renewing or queries about claims.
By repairing at the network garage the insurer will settle the bill directly with the garage.
Acko will arrange for the car to be picked up, repair it at the network garage and drop the car back to the owner.
Follow the step below to register a claim with an online insurance company such as Acko:
Step 1: Visit the insurance company’s website or its mobile app to access your account.
Step 2: From the drop-down menu, select ‘Claims’ and register your claim by uploading photos of the damages to the insured car.
Step 3: The insurer may assign a surveyor to assess the damages and get it fixed at a network garage or you may opt for the reimbursement process.