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Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your carPremium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
When you own a Kia, you expect a smooth driving experience and reliable protection on the road. That's where Kia car insurance becomes essential. Ensuring your vehicle is covered means safeguarding your investment against various uncertainties like accidents, theft, or natural calamities. Car insurance for Kia cars not only gives peace of mind but also complies with legal obligations. From comprehensive coverage to third-party liability, selecting the right Kia insurance policy helps you avoid unexpected financial burdens.
● Financial Protection: Accidents can lead to substantial repair costs. A Kia car insurance policy safeguards you from these expenses.
● Comprehensive Coverage: It provides protection not only against accidents but also natural calamities, theft, and vandalism.
● No-Claim Bonus (NCB): If you don’t make a claim during the policy year, you can avail of the NCB, which reduces your Kia car insurance price in subsequent years.
● Third-Party Liability Protection: Covers any legal or financial liabilities if your Kia causes damage to others' property or injuries.
Compare Insurance Plans Made for You
Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover |
Comprehensive Cover with Add-ons |
---|---|---|---|---|
Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
Accidents & Collisions | No | Yes | Yes | Yes |
Natural or Man-Made Disasters | No | Yes | Yes | Yes |
Fire Damage | No | Yes | Yes | Yes |
Theft | No | Yes | Yes | Yes |
Compulsory Personal Accident | Yes | Yes | Yes | Yes |
Add-on: No Claim Bonus | No | No | No | Yes |
Add-on: Zero Depreciation Cover | No | No | No | Yes |
Add-on: Lock & Key Replacement | No | No | No | Yes |
Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
Add-on: Consumables Cover | No | No | No | Yes |
Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Kia insurance companies, like Bajaj Allianz General Insurance Company, offer cashless repairs at authorised garages, ensuring that you don’t have to pay upfront.
With this add-on, the insurer covers the full cost of parts without depreciation deductions.
This feature provides help in case of breakdowns or emergencies, ensuring that you are never left stranded.
In case of engine damage due to flooding or other issues, this coverage ensures that costly repairs are taken care of.
Whether it's claims or queries, Kia cashless insurance from Bajaj Allianz General Insurance Company provides round-the-clock customer assistance.
There are typically two types of Kia auto insurance coverage: Third-party insurance and Comprehensive insurance. Third-party car insurance for Kia covers the liabilities toward another person’s property or injury caused by your vehicle. Comprehensive car insurance for Kia offers wider protection, covering damages to your car due to accidents, natural disasters, or theft.
To estimate your premium, use an online Kia car insurance premium calculator. Enter your car’s model, make, registration year, and location to get an instant quote. This tool helps you make an informed decision by comparing the Kia insurance prices across various plans and providers.
When choosing insurance for Kia models, factors like the car's value and engine capacity impact the premium. For example, a Kia Seltos may have a higher Kia car insurance price compared to the Kia Sonet, as insurance premiums often reflect the vehicle’s price, engine size, and repair costs. It's crucial to compare prices before deciding, as different plans and add-ons affect the overall premium.
● Opt for Higher Deductibles: Paying a higher voluntary deductible can lower your premium.
● No Claim Bonus: Avoid making small claims to retain your NCB, which reduces premiums over time.
● Install Anti-Theft Devices: Having safety features like anti-theft systems can reduce premiums as it lowers the risk of theft.
● Drive Safely: Keeping a clean driving record ensures better renewal rates.
● Coverage Needs: Understand whether you need basic third-party insurance or comprehensive coverage.
● Budget: Compare the premiums for different policies. Add-ons like Zero depreciation, Engine protection, and personal accident cover can increase your Kia car insurance price, so ensure the policy fits your budget.
● Add-ons: Evaluate which add-ons you need. While add-ons like Roadside assistance and engine protection are useful, unnecessary features may increase the cost.
● Claim Process: Check the insurance provider’s Claim settlement ratio and processes. Fast and hassle-free claims are essential.
● Network Garages: Ensure that the provider offers a wide network of cashless garages for repairs.
● Insured Declared Value (IDV): Higher IDV results in better coverage but also increases premiums. Set a realistic IDV based on your car’s current market value.
Get instant access to your policy details with a single click.
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Step-by-Step Guide
How To Buy
0
Download the Caringly Yours app from App stores or click "Get Quote"
1
Register or log in to your account.
2
Enter your car details
3
You will be redirected to the Car Insurance Page.
4
Ensure to check your No Claim Discount
5
Choose right Insured Declared Value (IDV) that reflects your car value
6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
7
Select a plan from the recommended options, or customize your own plan
8
Review the premium and other coverage details
9
Proceed with the payment using your preferred method
10
Receive confirmation of your purchased policy via email and SMS
How To Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Download our Caringly Yours App on Android or iOS
1
Register or login to use Motor On the spot claim for a smooth process
2
Enter your policy and accident details (location, date, time)
3
Save and click Register to file your claim
4
Receive an SMS with your claim registration number
5
Fill in the digital claim form and submit NEFT details
6
Upload photos of damaged parts as instructed
7
Upload your RC and driving license
8
Receive an SMS with the proposed claim amount
9
Use the SMS link to agree/disagree with the claim amount
10
Agree to receive the amount in your bank account
11
Track your claim status using the Insurance Wallet App
Know More
0
For any further queries, please reach out to us
1
Phone +91 020 66026666
2
Fax +91 020 66026667
● Research and Compare: Always Compare car insurance for Kia cars across multiple insurers to get the best deal.
● Evaluate Coverage Options: Understand the difference between third-party and comprehensive insurance. Opt for coverage that provides the most protection without unnecessary add-ons.
● Use a Premium Calculator: Use online tools like the Kia car insurance premium calculator to estimate costs based on your coverage needs.
● Read Reviews: Look into customer reviews and the insurer’s claim settlement ratio to understand their reliability.
● No Claim Bonus: Consider how the policy handles NCB, as it significantly reduces premiums over the years.
● Customisable Plans: Choose a policy that allows for flexible add-ons like engine protection and roadside assistance.
To file a car insurance claim smoothly, keep these essential documents ready:
● Car’s registration papers (RC)
● Valid driver’s license
● Insurance policy document
● Photos of the damage (if applicable)
● FIR copy (in case of theft or major accidents, if required by the insurer)
Diverse more policies for different needs
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Health Claim by Direct Click
Personal Accident policy
Global Personal Guard Policy
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 Roadside/Spot assistance
Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
Home Insurance Cover
Choosing Bajaj Allianz General Insurance Company for your Kia car insurance offers several advantages. With a high claim settlement ratio, a wide network of cashless garages, and a variety of customisable add-ons, Bajaj Allianz General Insurance Company ensures your Kia is comprehensively protected. The claim process is fast, and the availability of the Kia cashless insurance makes repairs hassle-free. Additionally, customer support is available 24/7 to assist with any queries, and the flexibility in policy options ensures that every Kia owner can find the right coverage at a competitive price.
Owning a Kia car comes with the responsibility of protecting your vehicle from potential risks. Having Kia insurance is vital for many reasons. Firstly, it's mandatory by law to have third-party insurance to cover liabilities. Secondly, a comprehensive Kia insurance policy provides financial protection against damages due to accidents or unforeseen events. Whether you own a Kia Sonet, Seltos, or Carnival, having the right insurance helps prevent hefty expenses, protects your investment, and ensures compliance with traffic regulations.
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
Renewing your Kia insurance is quick and can be done within minutes online.
Factors like your car’s model, age, engine capacity, and previous claims affect your Kia insurance premium.
Yes, an inspection may be required if your Kia car insurance has lapsed.
You can, but it’s better to compare options online to find the best Kia insurance company like Bajaj Allianz General Insurance Company.
The cost of insurance for Kia cars depends on factors like the model, engine size, and coverage options chosen.
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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