Kia Car Insurance

The traditional or the conventional method of buying car insurance for your Kia vehicle will require you to fill the required paperwork, approach the branch or the agent to buy Kia car insurance. However, this is not required in the case of new-age digital insurance companies such as Acko. They strive to provide paperless, hassle-free and technology-driven transactions. From the initial step of buying car insurance, renewal of the policy to the servicing of claims, everything is online. Simply visit the insurer’s website or their smartphone app to buy car insurance online.

The cost of car insurance or the premium depends on the model, variant, year of manufacture, the location of the vehicle, fuel type, etc. Hence, the variant or the cost of the vehicle determines the car insurance premium for Kia cars. However, insurance costs are lower when opted through digital insurance companies. This is because they have removed the aspect of middlemen or insurance agents which has led to a reduction in operation costs, which is passed on to the customer. Online car insurance is transforming the way insurance is offered by an insurer.

Instantly. Yes, this is possible through digital insurance providers who have moved the complete process of car insurance renewal online. Simply visit the company’s website or download their mobile app to renew the policy instantly and receive the policy to your registered email address.

Below is the list of mandatory documents required while insuring your Kia car: >Registration certificate of the vehicle. >ID and Address proof of the policyholder. >Pollution Under Control (PUC) Certificate. >Previous policy details in case switching to a new insurance company.

While the insurance cost for all vehicles is determined by the value of the car, the model, the year of manufacture, the variant, and the location of the vehicle, you can still reduce the cost of the insurance. This is possible if you are a member of the Western India Automobile Association (WIAA) or the Automobile Association of India (AAI). Furthermore, you can install anti-theft devices on your car as this is taken into consideration when the insurance company fixes the premium for the vehicle.

Typically, the Comprehensive car insurance for your Kia will include coverage towards losses or damages to the third party life or property as well as to the insured Kia car. The premium under the Comprehensive car insurance is calculated based on the model of the car, year of manufacture, the type of variant, any voluntary deductibles, discounts (if any), the number of Add-on covers and No Claim Bonus (if applicable).

Add-on covers can be bought if you want to insure your car with the Comprehensive insurance. They provide extra coverage, which the basic policy does not cover such as engine damages, depreciation cover, etc. You can choose from a various car insurance add-on covers mentioned-above which suits your requirement since these cater to a specific need.

When the car insurance policy has lapsed or expired, then the insurance provider will send a surveyor to inspect and assess your vehicle for any possible damages after the policy expired as they will not be covered. It is important to renew the policy with its due date to avoid penalties and avoid financial burden in case of an accident to the insured vehicle. Insurance companies usually provide 30 days of grace period when you need to renew the policy. However, during the grace period, the policy is not active. You can still renew the policy after the grace period, but you may have to pay the required charges as prescribed by the insurer.

Yes, you can switch to a new insurance company while renewing the policy. Visit the new insurer’s website or mobile app, provide the details of your vehicle such as registration number, year of manufacture, the variant, location of the vehicle and the details of the existing policy. Upon providing the details, the new insurance will provide a quote for the same. If you are able to get wide coverage at a competitive price, then you should switch to the new insurance company after performing a background check of the insurer.

Typically, the car dealer will assist you in getting the car insurance for your Kia; however, this is not mandatory and you can buy the car insurance yourself. You can approach digital insurers who are offering a wide range of coverage at a lower premium with a hassle-free experience.