Buy/Renew Hyundai Creta Car Insurance

About Hyundai Car Insurance

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.

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.

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. 

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:

●      Zero Depreciation Cover

●      Engine Protector Cover

●      24/7 Spot Assistance Cover

●      Key And Lock Replacement Cover

●      Consumable Expenses Cover

●      Personal Baggage Cover

●      Conveyance Benefit

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

Required Documents to File a Claim Against Hyundai Creta Car Insurance

Documents Required to File a Claim Against Hyundai Creta Car Insurance

● Claim Form :

A valid signed copy of the claim form.

● Insurance Policy Document :

documentation confirming insurance policy.

● Vehicle Registration Certificate (RC) :

Official document of registration certificate.

● Driving License :

The licence of the individual driving at the time of the incident is required.

● FIR or Police Report :

FIR copy in theft, accident, and huge damage.

● Repair Estimates :

A copy of the cost quotation for repair damages from a garage.

● Medical Reports :

Attached are your medical reports and hospital bills for insurance claims.

● Original Bills and Receipts :

Original bills and receipts are required for reimbursement claims.

● Photos of the Damage :

Authentic pictures of your damaged car.

Claims are subject to terms and conditions set forth under the motor insurance policy.

Factors affecting the premium of Hyundai Creta car insurance

There are various factors which can influence the premium for Hyundai Creta insurance :

● Vehicle Model and Age :

This is an important factor, as old models cost less premiums, while new ones cost higher insurance premiums.

● Geographical Location :

Higher risks and traffic-oriented areas hold high premiums.

● Coverage Type :

The type of coverage you have defines your premium, as comprehensive features carry a higher premium than insurance for a third party only.

● Insured Declared Value (IDV) :

With a high IDV, the premium price also goes up.

● No Claim Bonus (NCB) :

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.

● Add-Ons and Riders :

High premium for every add-on service.

● Driver’s Age and Experience :

Young and less experienced must pay high premiums.

● Claim History :

Constant claims for insurance can cause high premiums.

● Safety Features :

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.

How to Buy Hyundai Creta Car Insurance Online?

● Visit the Bajaj Allianz General Insurance Company’s website.

● Specify the details of your Hyundai Creta’s model, manufacture date, and city of registration.

● Select a suitable policy based on your requirements.

● Based on the above selections, your quote for Hyundai Creta insurance price is generated.

● 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.

● Once you make the payment based on the specifics of your plan, your policy is instantly delivered to your mailbox.

How to Renew Hyundai Creta Car Insurance Policy 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.

How to Raise a Claim for a Hyundai Creta Car Insurance Policy?

● 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.