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With a name that associates with modernity, it is no wonder that consumers may prefer Hyundai when they want a modern car, be it a hatchback, sedan, or an SUV. The South Korea-based manufacturer is one of the popular choices in India and has a wide range of cars for potential buyers.
If you are planning to buy a Hyundai car, or already have one, you may be doing everything possible to keep your possession in the best shape possible. If so, you also ought to consider comprehensive four-wheeler insurance. This is the sort of car insurance that will offer your coverages such as own damage, zero depreciation, personal accident, and more, alongside a third-party liability coverage.
When purchasing car insurance for your Hyundai car, you have two options to choose from:
This basic insurance is mandatory under the Motor Vehicles Act of 1988. It is designed to cover damages specifically to third-party property and vehicles. Additionally, it covers injuries and deaths caused to the third-party. You must also purchase a personal accident cover with the policy.
This policy provides coverage for both own damages and third-party damages under the same policy. Own damages include damages caused by accidents, natural, and man-made calamities. Damage or loss caused by fire or theft is also covered by the policy. You may enhance the policy's coverage by including add-ons. It is essential to note that the cost of this policy is higher than that of a third-party car insurance policy.
Let us explore the advantages of buying car insurance online for your brand-new Hyundai:
The convenience of buying motor insurance online for your car is that you can make the purchase using your mobile or computer from any location. All you need to do is visit the insurer's website or use their app and follow a few simple steps to purchase the policy.
By buying car insurance online , you can take advantage of cost savings. As you are purchasing the policy directly from the insurer without any intermediary agents, the price for your Hyundai car insurance will be lower than purchasing it offline. There will be no additional charges for your purchase as well.
If your insurance policy is approaching its expiration date, you can renew it effortlessly online through your insurer's website. With just a few simple steps, you can renew your policy, and the best part is that your Hyundai insurance price will remain the same during the renewal.
When purchasing Hyundai comprehensive car insurance , you have the option to add the following add-ons:
With this add-on, the insurer compensates you with the maximum value for your claim without taking into consideration the depreciated value of your car.
In case your car breaks down while driving, this add-on provides emergency services from your insurer.
If you accidentally misplace your key, your insurer will provide you with a temporary key for usage until you get a new key from your dealer under this add-on.
This add-on provides coverage for your car's engine against problems that might affect its proper functioning.
Different documents required to raise Hyundai insurance are:
A copy of your current insurance policy is required.
A copy of the vehicle's registration document is required.
The person who was driving at the time of the event must provide their driving licence.
A properly completed and signed claim form given by the insurance is required.
If the event includes third-party damage, theft, or serious property damage, a FIR copy must be provided.
Taking clear images of the damage from different angles can help support your claim.
When insuring your Hyundai Creta, many reasons influence the premium payments. Having a detailed understanding will allow you to make better decisions. Below are factors affecting the premium of Hyundai Creta insurance:
Better and more expensive Creta models generally attract higher premiums for Creta vehicles.
Older cars typically have lower premiums.
Regions with high thefts and hectic traffic can lead to high premiums.
Third-party coverage is cheap compared to comprehensive coverage.
Additions like zero depreciation, engine protection, and roadside assistance will increase your premiums.
A clean driving record with no claims might result in lower premiums.
Different insurers may use different premium calculating techniques and offerings.
If you haven't made any claims in the previous years, you can get NCB, which lowers your premiums.
Understanding the most important paperwork and details that affect your Hyundai car insurance price is important for a fast claim procedure and proper coverage. Don't forget to look at add-ons such as Roadside assistance and Zero Depreciation for extra safety and financial stability in the event of an unforeseen incident.
To purchase Hyundai car insurance online, you can follow these steps:
By following these simple steps, you can easily purchase your policy. Before making the purchase, you can also use the car insurance calculator to get an estimated price for the policy you want to buy.
To renew your Hyundai car insurance policy online, you can follow the steps mentioned below:
It is essential to renew your car insurance policy before it expires to ensure that you are always covered in case of any unfortunate event. With online renewal, the process is quick, convenient, and hassle-free.
Car insurance claims can be of two types: cashless claim and reimbursement claim.
To file a cashless claim , you need to follow these steps:
The steps for a reimbursement claim are similar to that of a cashless claim, with the only difference being that you can choose a garage of your choice for the repairs. After you have paid for the repairs, the insurer will reimburse you for the expenses incurred.
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Yes, having car insurance is mandatory for all cars in India. The Motor Vehicles Act of 1988 requires every car being driven on Indian roads to have at least third-party car insurance. Failure to have a policy can result in penalties imposed by the authorities.
Emergency roadside assistance can provide several services such as tyre replacement/refilling, fuel refilling, battery recharge and free towing to the nearest garage.
To reduce your insurance premium, you can remove unnecessary add-ons, install safety devices in your car, and avoid filing claims for minor damages.
The price of the premium you pay for your policy is influenced by factors such as the fuel type of your car, the cubic capacity, your area of residence, and driving record.
Third-party car insurance covers only third-party damages, injuries or deaths, and does not cover own damages.
Roadside Assistance Cover ensures coverage for towing, fuel delivery, flat tire changes, and on-the-spot repairs, providing support during emergencies and car breakdowns.
With Zero Depreciation Cover, an individual gets the standard deductible applicable claim amount irrespective of the car's depreciated value, enhancing compensation and saving money on heavy repair work.
The Insured Declared Value (IDV) is like the vehicle’s market value at the time of the insurance claim. This helps determine the maximum claim amount. High IDVs have high premiums, but the return is better than others with low IDVs.
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