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Buy/Renew Hyundai Creta Car Insurance

Hyundai Creta Car Insurance

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Hyundai, the South Korean manufacturer, with its operations in India that commenced in 1996 has always been a significant contributor to the Indian automotive scene. From its very first major product launch in 1998, the Hyundai Santro, it revolutionised the Indian car market. Ever since, new models that have rolled out from the manufacturer’s factory have always found love and admiration from Indian auto enthusiasts. One such model that launched back in July 2015 is Hyundai Creta. 

 

Noteworthy Features of Hyundai Creta

  • Hyundai Creta is available in seven variants to choose from based on your budget and feature preference.
  • It is a five-seater compact SUV suitable for roads as well as no-roads.
  • Three engine variants are available in automatic and manual transmission.
  • The vehicle comes with six airbags, electronic stability control (ESC), vehicle stability management (VSM), hill-start assist control (HAC), all-wheel disc brakes and ISOFIX child seat anchors. Its safety net also includes a tyre pressure monitoring system (TPMS), rear parking camera and ABS with EBD.
  • While these are some of the feature lists for Hyundai Creta, you, as an owner, must have car insurance at the time of its registration. It is one of the mandatory requirements laid down by The Motor Vehicles Act.

Benefits of Buying Online Car Insurance for Hyundai Creta

With an insurance plan, you can protect yourself from the financial loss that may arise. It can be due to an injury or damage to a third party in the event of an accident. Further, you can also safeguard your finances in case of damages to your car. 

Let’s look at the benefits of buying car insurance online over the traditional offline process:

 

1.       Comparison of Multiple Policies

When buying four-wheeler insurance for your Hyundai Creta, you can compare and evaluate the benefits of multiple plans at once when you buy online. Offline comparison of multiple plans is tedious. A car insurance calculator is a handy tool that can be used to compare different policies and opt for the one fitting your requirements best. Moreover, a car insurance calculator can be used to compare the prices of policies while weighing the features offered by each insurance company.

 

2.       No Paperwork

Another advantage with online car insurance is how you do not require to fill out several lengthy forms auto-populated with a few inputs about the policyholder and the vehicle. Registration details of the vehicle, chassis number, engine number, name and address of the policyholder, the type of plan, and the nominee of your policy are some of these details that an insurer may ask for. Alternatively, offline plans will require you to fill in these details repeatedly at different places, making it an arduous task.

 

3.       Convenience & Instant Policy 

One of the most useful benefits of buying car insurance online is the convenience to buy and renew your policy from anywhere and at any time. You no longer need to reach out to your insurance agent or the insurance company’s branch office; instead, you can do it at your convenience. Moreover, online purchase ensures you receive the policy immediately in your inbox upon completing the payment.

 

4.       Ease of checking the insurance company’s credibility

With an online plan, it becomes easier to check the insurance company’s credibility. You can look for testimonials by policyholders and even read forums where reviews are posted by buyers of several insurance companies. This way, having genuine feedback about the insurance company becomes easier. 

Hyundai Creta Car Insurance: Its Inclusions and Exclusions

  • Inclusions

  • Exclusions

Third-party injury, death, and disability.

Third-party property damages.

Total loss of the car.

Protection against natural and man-made calamities.

Personal accident cover (mandatory; but need not buy if you already have one).

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Driving without a valid car insurance policy.

Driving without a valid driving licence.

Routine wear and tear of the car.

Electrical and Mechanical damages to the car.

Driving the car under the influence of intoxicating substances.

 Damages or loss occurring outside the specified geographical demarcation.

Damages occurred when the car in question is not used for their intended purpose. 

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Types of Car Insurance policies for Hyundai Creta

All vehicle owners must ensure to have a policy in place for legal compliance as well as financial coverage. Car insurance for Hyundai Creta is available in two categories – third-party car insurance and comprehensive car insurance.

Third-party Car Insurance

A third-party plan offers coverage for liabilities that may become payable to a third person in the event of an accident or collision. It can be for the damages to their vehicle or property and even include injuries and death. Hence, for the Hyundai Creta insurance price you pay, a third-party plan ensures legal compliance. While it is a minimum requirement, it lacks any coverage for the damages to your car.

Comprehensive Car Insurance

A comprehensive policy provides coverage for not just third-party liabilities, but also for the damages to your Hyundai Creta. Thus, a comprehensive plan overcomes the limitation of third-party car insurance to provide a broad insurance cover. Damages due to natural calamities, man-made events, theft, and fire are some examples of a comprehensive policy’s scope.

Moreover, a comprehensive plan also includes personal accident coverage. This allows you to claim compensation for the injuries faced by the owner-driver in case of an accident. However, if you already have a personal accident cover, you need not purchase it again with your four-wheeler insurance for Hyundai Creta.

Add-ons available for Hyundai Creta Car insurance

Add-ons are optional policy coverage you can purchase with your comprehensive car insurance policy. These covers are not part of the standard comprehensive car coverage, but in addition to the existing cover. Add-ons come in handy to overcome the limitation of coverage of the standard comprehensive car insurance plan.

Here’s a list of add-ons that can be bought:

These add-ons can increase the Honda car insurance price, but they may prove to be worth it in the long run. 

How to Buy Hyundai Creta Car Insurance Online?

  1. Visit the Bajaj Allianz General Insurance Company’s website.
  2. Specify the details of your Hyundai Creta’s model, manufacture date, and city of registration.
  3. Select a suitable policy based on your requirements.
  4. Based on the above selections, your quote for Hyundai Creta insurance price is generated.
  5. If you have a comprehensive plan, you can opt for add-on covers and even increase or decrease your policy’s IDV. These factors are also included in calculating the Hyundai Creta car insurance prices.
  6. Once you make the payment based on the specifics of your plan, your policy is instantly delivered to your mailbox.

Renewing your Hyundai Creta’s Car Insurance Online

  • Visit Bajaj Allianz General Insurance's website and locate the ‘Renew Online’ tab..
  • Enter your existing policy details along with your car’s registration number.
  • It is essential you review the percentage of the ‘No Claim Bonus’ you are eligible for if you haven’t raised an insurance claim with your comprehensive insurance policy.
  • Once you have availed of the NCB benefits, you can review your policy coverage by adding new covers and removing unnecessary add-ons that increase the Hyundai Creta car insurance’s price.
  • Once you have reviewed the policy coverage, verify your personal details in case of a change, to avoid filing an endorsement later.
  • Submit the above details to get a quote for the Hyundai Creta insurance price.
  • Finally, make the payment and receive your policy instantly in your inbox.

Procedure to raise an insurance claim for your Hyundai Creta

  • First, inform your insurance company of the damages and register your claim.
  • Once your claim is registered, the insurance company issues a unique claim registration number that can be used to track your claim application.
  • Now, depending on the type of policy, the process may vary. For cashless plans, you need to take your vehicle to one of the network garages to get it fixed. However, before any repairs are carried out, an insurance surveyor inspects the damage and approves the repair. For reimbursement plans, there is no such condition, and you can get your vehicle fixed from any service garage in the vicinity. Visiting a network garage is not mandatory for repairs.
  • For a cashless claim, the service garage will share the necessary details of the repairs with your insurer, whereas for a reimbursement claim, you, the policyholder, need to provide the repair bill to the insurer at the time of filing a claim.
  • Depending on the claim that gets sanctioned, the insurer honours the payment, and the balance must be borne by you.

Frequently Asked Questions

How can you buy car insurance for Hyundai Creta?

Buying four-wheeler insurance is simple and straightforward in today’s day and age. You have two options – buying it online from the convenience of your home or opting for the traditional mode by visiting the branch office of the insurer or scheduling an appointment with your insurance agent. 

Why do I need to insure my Hyundai Creta?

It is mandatory to insure your four-wheeler as per the regulations laid down by the Motor Vehicles Act of 1988. Not only it is a legal requirement, but also helps in providing a financial safeguard for third-party liabilities and damages to your car by way of accidents, theft, natural calamities and man-made events.

Is there a fine for not having a valid insurance plan?

The first-time offence of driving a car without insurance attracts a fine of ₹2000 and/or imprisonment of up to three months. For repeated offences, the fine increases to ₹4000 and/or imprisonment of up to three months.

 Written By : Bajaj Allianz - Updated : 22nd April 2024

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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