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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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
Documents Required to File a Claim Against Hyundai Creta Car Insurance
A valid signed copy of the claim form.
documentation confirming insurance policy.
Official document of registration certificate.
The licence of the individual driving at the time of the incident is required.
FIR copy in theft, accident, and huge damage.
A copy of the cost quotation for repair damages from a garage.
Attached are your medical reports and hospital bills for insurance claims.
Original bills and receipts are required for reimbursement claims.
Authentic pictures of your damaged car.
Claims are subject to terms and conditions set forth under the motor insurance policy.
There are various factors which can influence the premium for Hyundai Creta insurance :
This is an important factor, as old models cost less premiums, while new ones cost higher insurance premiums.
Higher risks and traffic-oriented areas hold high premiums.
The type of coverage you have defines your premium, as comprehensive features carry a higher premium than insurance for a third party only.
With a high IDV, the premium price also goes up.
An insurance claim comes with an NCB option, which means that if the individual did not claim any insurance during the period, they will get a bonus.
High premium for every add-on service.
Young and less experienced must pay high premiums.
Constant claims for insurance can cause high premiums.
The premium will be lower if the Hyundai Creta has advanced safety features.
Filing a Hyundai Creta insurance claim demands the mentioned paperwork, and premium charges vary depending on several factors. Comprehensive coverage provides excellent protection, but customising your policy to your specific needs and budget is important. Understanding these criteria guarantees a faster claim procedure and maximum financial security for your Hyundai Creta.
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).
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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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.
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.
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.
Hyundai Creta insurance prices vary based on the model, coverage type, features, and other additional variants, including the engine.
Comprehensive car insurance provides coverage for theft, damage, and accidents and also provides coverage for third-party liabilities.
One year is the basic length of Creta's car insurance policy, which covers every cost, from coverage to legal compliance.
Roadside assistance is an add-on cover available for comprehensive car insurance. It supports owners during car breakdowns or other emergencies.
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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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