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Kia Sonet Car Insurance

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Kia Sonet Car Insurance

Car Insurance for Kia Sonet

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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.

Why Choose Online Car Insurance for Kia Sonet Model?

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.

Insurance Plans for Kia Sonet

The following are the types of car insurance in India:

Third-Party Car Insurance

Covers only the third-party life or property and is mandatory as per the law and does cover the insured car.

Comprehensive Car Insurance

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)

What’s Covered in Kia Sonet Insurance (Inclusions)?

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.

Exclusions of Kia Sonet Car Insurance:

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.

Add-ons for Kia Sonet Car Insurance:

Below are the Add-on covers that are available with the Comprehensive car insurance for your Kia Sonet:

1. Zero Depreciation

The insurer will settle the claim without considering the depreciation of the parts being replaced or repaired.

2. Engine Protection Cover

Get the car engine covered for water ingression or oil leakage, which is excluded in the basic comprehensive insurance plan.

3. Invoice Protection Cover

Get the invoice value (ex-showroom price) in case of a total loss or damages to the insured car.

4. NCB Protection Cover

Protect your NCB (discount) even if you raise a claim during the policy period.

5. Roadside Assistance Cover

Avail roadside assistance in case of a breakdown for services such as emergency towing, general repairs, fuel fill, etc.

6. Accessories Cover

Get coverage for high-end accessories such as a high-end music system, rear parking camera, etc.

7. Consumables Cover

Get coverage for consumable parts being replaced due to accidental damage to the insured car.

Benefits of Buying Acko Car Insurance for Your Kia Sonet

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:

Hassle-Free Online Procedure

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.

Faster Claim Settlements

With paperless experience, claim settlement is faster than ever before. Raise and settle claims online to reduce the turnaround time.

Get Guidance From Experts

Get guidance from professionals throughout the policy period about buying, renewing or queries about claims.

Cashless Service

By repairing at the network garage the insurer will settle the bill directly with the garage.

Pickup and Drop Facility

Acko will arrange for the car to be picked up, repair it at the network garage and drop the car back to the owner.

Claim Procedure

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.

Frequently Asked Questions

Below are the frequently asked questions about car insurance policies:

FAQs

1. Where do I buy insurance for my Kia Sonet car?

Vehicle insurance can be bought through the traditional method of approaching an agent or the branch to avail car insurance. Also, if you are buying a new car, the dealer will make arrangements to insure your car. There are also digital insurance companies from whom you can buy car insurance online. The online process is hassle-free due to its paperless experience. However, while buying the insurance, ensure that you get the policy, which offers a wide coverage at a lower premium

2. Which Add-on covers are the best for my Kia Sonet car?

Add-ons enhance basic Comprehensive car insurance. There are several add-on covers; however, you need to choose which suits you and the Kia Sonet the best. You can choose from Zero Depreciation, Roadside Assistance, No Claim Bonus (NCB) Protect, Invoice Protection, etc. For more information, you can learn about the add-ons mentioned in the article above.

3. Can I buy 1-year insurance for my Kia Sonet?

Yes, you can buy a 1-year Comprehensive car insurance policy; however, Third-Party insurance is mandatory and is for a period of 3 or 5 years. Therefore, you need to buy 3 or 5 years Third-Party Car Insurance along with the optional 1-year Comprehensive Car Insurance policy. While the Third-Party plan covers third-party losses, the Comprehensive plan includes both third-party cover and the Own Damage cover. You can also opt for add-on covers with the latter plan.

4. What documents are required to renew car insurance for my Kia Sonet?

To renew car insurance online, you require details such as the registration number of the vehicle, the location of the vehicle, the year of manufacturer, the variant, fuel type and documents related to personal identification. New-age digital insurance companies such as Acko offer paperless experience and reduce the time taken to renew four-wheeler insurance.

5. What are the mandatory documents required to raise a claim for my Kia Sonet insurance?

First, you need to inform the insurer for instructions to raise a claim. You can call, visit their website or register the claim through their mobile app. While registering the claim you need to upload the photos of the damages to the vehicle. The insurer will assign a surveyor to assess the damage and choose any of the network garages to repair the damages. You can also opt for the reimbursement method but ensure that you inform your insurer before you get the vehicle repaired.

6. What will be the insurance cost for Kia Sonet in New Delhi?

The insurance cost of Kia Sonet and other motor vehicles depends upon various factors and not just limited to the location. These factors include the value of the car, the type of insurance (Third-Party or Comprehensive), year of manufacture, claim history and if you have opted for any add-on covers. Visit Acko to get a car insurance quote for the Kia Sonet so that you can make an informed decision.

7. Which insurance company has the best claim settlement ratio for Kia Sonet cars?

The claim settlement ratio is the percentage of claims the insurance company has settled compared to the number of claims during a financial period. You can visit the Insurance Regulatory and Development Authority of India (IRDAI) website to know the CSR of insurance companies in India.

8. What is the correct Insured Declared Value (IDV) for the Kia Sonet?

IDV is the approximate market value of the vehicle. Insurers will provide the approximate market value for the Kia Sonet. Furthermore, you have the option to choose the IDV. Please note that the change in the IDV will impact the premium of the insurance policy. Ensure that you choose the market value or more than the IDV, since the insurer will pay the IDV in case of a total loss to the insured car.

9. What is the meaning of cashless claims and how it is different from reimbursement claims?

Insurers partner with garages across the country to enable their customers to use the garages to repair their vehicles. These garages are called “network garages”. In case of accidental damage to the insured car, you can choose from various network garages to repair the vehicle and the insurance company will settle the bill directly with the garage. This process is known as cashless claims. In the reimbursement method, after informing the insurance company, you can get it fixed at any garage of your choice, pay the bill and then get the reimbursement from the insurance company. Generally, you will have to submit several supporting documents and complete paperwork to register a claim through the reimbursement claim.

10. Can I buy just the Third-Party car insurance to reduce the cost of the insurance for my Kia Sonet?

While it is mandatory only to insure the vehicle with the Third-Party plan; however, it is the Comprehensive insurance covers both Third-Party and the insured car in case of accidental damage or losses. Also, you have the option to choose from various useful add-on covers to enhance the coverage.

Car Insurance for Other Kia Car Models:

  • Kia Seltos Car Insurance

  • Kia Carnival Car Insurance

About Car Insurance for Kia Sonet

Kia Motors is the sister company of Hyundai Motors and entered India in 2017 with the announcement of a new plant being constructed for its products. In 2019, the company launched its first vehicle, an SUV - the Kia Seltos. The Seltos is a mid-size SUV that immediately captured the market with its stylish and well-designed approach. This was followed by the launch of the Kia Carnival - a luxury MPV, which redefined the MPV segment with its premium and luxurious features.

In 2020, the company launched the Kia Sonet, which was specifically designed for India. The sub-compact SUV segment is competitive and Kia has ensured that the Kia Sonet is not just good in looks, but is well-engineered and offers the value for money proposition. For a vehicle designed with the utmost care and specifically for India, it does require robust vehicle insurance.

Well-packaged motor insurance should be able to provide a wider coverage at a lower premium. Furthermore, the insurance company should have a good reputation, reviews and feedback from existing customers. After-sales service is very important in insurance policies. Car insurance for Kia Sonet should offer coverage for both third-party and to the insured car. Apart from the mandatory Third-Party car insurance, you have the option to choose Comprehensive car insurance, which protects against possible financial liabilities. Additionally, the latter has the option to choose interesting Add-on covers, which further increases the scope of the insurance.

Why Should You Buy Kia Sonet?

The sub-four-metre SUV segment is increasingly becoming competitive with established players offering their best products to buyers. Apart from its road presence with its chunky and chiselled design language, the Kia Sonet is the sub-compact SUV with the highest number of features and a long list of powertrains or engines. From its imposing looks, it is possibly a better designed and striking vehicle compared to its competition.

Not just the looks, the feature list is long and the types of engines are a lot to choose from. These include the segment-leading 10.25-inch touchscreen infotainment system, which supports Apple CarPlay and Android Auto, auto climate control, Bose speaker system, cruise control and drive modes. Furthermore, the SUV comes with two types of petrol engines and one diesel engine, and they come paired with different types of gearboxes. 

On the inside too, the company has ensured that the upholstery, seats, plastics on the dashboard and door pads are of high quality, offering the value for money proposition. Buyers have different options to choose from and get what they pay for. If you are looking for a beautifully styled SUV, premium interiors, a wide variety of gearbox and engines with many first-in-segment features in the sub-compact SUV segment, the Kia Sonet is one of the best sub-compact SUVs in India.

Highlights of Kia Seltos

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

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

  • Electric sunroof

  • LED sound mood lights.

  • Crystal cut alloy wheels.

  • Heartbeat-shape LED tail light cluster.

  • Large 10-25-inch touchscreen infotainment system with Apple CarPlay and Android Auto.

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

  • Multiple driving modes along with traction control modes.

  • Electrically operated windows.

  • Automatic cruise control system.

  • AC vents for the rear passengers.

  • 360-degree camera with front parking sensors.

  • Connected car technology.

  • Bose premium sound system with seven speakers.

  • Six airbags

  • Front parking sensors.

  • Tyre pressure monitoring system (TPMS).

  • Two petrol and diesel engines.

  • Manual, iMT and DCT gearbox options.

Kia Sonet Specifications and Ex-Showroom Price:

Kia Motors has ensured that it has a wide variety of trims or variants for the Kia Sonet. Buyers can choose from a combination of different engines with different gearbox options. Below are the specifications, variants and the ex-showroom price of the Kia Sonet:

Kia Sonet Specifications:

Engine 1.2-litre (Petrol) 1.0-litre (Turbo Petrol) 1.5-litre (Diesel) 1.5-litre (Turbo Diesel)
Emission Standard BS-VI BS-VI BS-VI BS-VI
Displacement (cc) 1197 998 1493 1493
Max. Power (PS) 83 120 100 115
Max. Torque 115 172 240 250
Gearbox 5-Speed Manual 6-Speed iMT/7DCT 6-Speed Manual 6-Speed Automatic
Drive System 2-Wheel Drive 2-Wheel Drive 2-Wheel Drive 2-Wheel Drive
Fuel Tank Capacity 45 45 45 45
Seating Capacity 5 5 5 5
Boot Space 392 392 392 392

Kia Sonet Price (Ex-Showroom Delhi):

Variants Fuel Type Ex-Showroom Price
Kia Sonet HTE 1.2 Petrol Rs. 6.72 Lakh
Kia Sonet HTK 1.2 Petrol Rs. 7.60 Lakh
Kia Sonet HTK Plus 1.2 Petrol Rs. 8.46 Lakh
Kia Sonet HTK Plus 1.0 iMT Petrol Rs. 9.50 Lakh
Kia Sonet HTX 1.0 iMT Petrol Rs. 9.99 Lakh
Kia Sonet HTK Plus 1.0 DCT Petrol Rs. 10.50 Lakh
Kia Sonet HTX Plus 1.0 iMT Petrol Rs. 11.66 Lakh
Kia Sonet HTX Plus 1.0 iMT Dual Tone Petrol Rs. 11.75 Lakh
Kia Sonet GTX Plus 1.0 iMT Petrol Rs. 12.00 Lakh
Kia Sonet GTX Plus 1.0 iMT Dual Tone Petrol Rs. 12.10 Lakh
Kia Sonet GTX Plus 1.0 DCT Petrol Rs. 12.90 Lakh
Kia Sonet GTX Plus 1.0 DCT Dual Tone Petrol Rs. 12.99 Lakh
Kia Sonet HTE 1.5 Diesel Rs. 8.05 Lakh
Kia Sonet HTK 1.5 Diesel Rs. 8.99 Lakh
Kia Sonet HTK Plus 1.5 Diesel Rs. 9.50 Lakh
Kia Sonet HTX 1.5 Diesel Rs. 9.99 Lakh
Kia Sonet HTK Plus 1.5 AT Diesel Rs. 10.40 Lakh
Kia Sonet HTX Plus 1.5 Diesel Rs. 11.65 Lakh
Kia Sonet HTX Plus 1.5 Dual Tone Diesel Rs. 11.75 Lakh
Kia Sonet GTX Plus 1.5 Diesel Rs. 12.00 Lakh
Kia Sonet GTX Plus 1.5 Dual Tone Diesel Rs. 12.10 Lakh
Kia Sonet GTX 1.5 AT Diesel Rs. 12.90 Lakh
Kia Sonet GTX 1.5 AT Dual Tone Diesel Rs. 12.99 Lakh

Note: Prices are subject to change.

Kia Sonet Vs Hyundai Venue

The sub-four-metre segment is one of the competitive segments in the four-wheeler industry. The segment enjoys various tax breaks offered by the government launched to promote small cars in the country. Car manufacturers began with the sub-four-metre cars or sub-compact sedans. With buyers interested in SUVs, car manufacturers turned their attention to designing sub-compact SUVs. Since then, there is no turning back with every top car manufacturer offering a product in the segment.

The Hyundai Venue was launched before the Kia Sonet, and it immediately captured the attention of buyers with its long list of features and practicality with different powertrains to choose from. Kia Motors is the sister company of Hyundai and focuses on mid-level and not on entry-level cars. However, both companies are utilising their resources to build cars or SUVs with common parts. The Kia Sonet and the Hyundai Venue share their underpinnings or chassis and engine options.

Exterior

Compared to the Venue, the Kia Sonet is a sportier-looking vehicle and offers a wide variety of features and several engine options. While the Hyundai Venue is conventional in looks, the Kia Sonet is more imposing with its sculpted design language. 

Interior

On the inside, both the vehicles share the mechanicals, but they look different. If you are looking for a classy appeal, the Hyundai Venue is a good choice. However, if you are looking for a sporty touch to the interior yet a premium outlook, the Kia Sonet offers a lot of sporty touches to the Sonet.

Kia Sonet Vs Hyundai Venue

Key Highlights Kia Sonet Hyundai Venue
Ex-Showroom Price* Rs. 6.72 lakh to Rs. 12.99 lakh Rs. 6.75 lakh to Rs. Rs. 11.64 lakh
Fuel Type Petrol/Diesel Petrol/Diesel
Engine Displacement 1.2-litre Petrol/1.0-litre Turbo Petrol/1.5-litre Diesel 1.2-litre Petrol/1.0-litre Turbo Petrol/1.5-litre Diesel
Body Type Sub-Four-Metre SUV Sub-Four-Metre SUV
Gearbox Options Manual/iMT/Automatic Manual/iMT/Automatic

*Prices are subject to change

Kia Sonet Vs Seltos

Both the Sonet and the Seltos are from the same manufacturer and classified in different segments. While the Seltos is a mid-size SUV, the Sonet is a sub-four-metre SUV. The Kia Sonet is a well-packaged product offering almost the same comfort and equipment list as the Kia Seltos. So, should you pay more for the Seltos when you have most of the requirements in the Sonet? Before both the SUVs are compared, you need to know that the Kia Seltos is a mid-size SUV with a bigger cabin, which means comfort for both the front and rear passengers, while the Sonet is a relatively smaller SUV and the reason for it being referred to as ‘Baby Kia’.

Exterior

On the design front, the Kia Seltos is sculpted with its imposing wraparound headlights and the LED DRLs make it a great looking car. As for the Kia Sonet, it is sculpted too, but you can see that the Sonet is much smaller than its bigger sibling.

Interior

On the inside, the Kia Seltos is a lot bigger than the Kia Sonet; however, the upholstery, plastics and the overall feel is premium in both the SUVs. On the equipment level too, both the SUVs come with various and useful features.

That being said, it is all about your requirement when it comes to choosing between the Kia Sonet and the Kia Seltos. The Kia Sonet is a small SUV with limited boot space, the Kia Seltos is a pure midsized SUV and comes with premium features and a long equipment list.

Kia Sonet Vs Seltos

Key Highlights Kia Sonet Kia Seltos
Ex-Showroom Price* Rs. 6.72 lakh to Rs. 12.99 lakh Rs. 6.75 lakh to Rs. Rs. 11.64 lakh
Fuel Type Petrol/Diesel Petrol/Diesel
Engine Displacement 1.2-litre Petrol/1.0-litre Turbo Petrol/1.5-litre Diesel 1.2-litre Petrol/1.0-litre Turbo Petrol/1.5-litre Diesel
Body Type Sub-Four-Metre SUV Sub-Four-Metre SUV
Gearbox Options Manual/iMT/Automatic Manual/iMT/Automatic

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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