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Reliance General Insurance offers diverse Kia car insurance policies targeting extensive coverage with customisable options to secure personalised solutions.
Whether you are a casual driver or an avid traveller, securing Kia vehicle insurance is of utmost importance. Discover how Reliance General Insurance can help you confidentially explore car insurance for Kia, stay protected and drive safely.
100%Claims Settlement*
10,000+ Network Garages*
5 crore+Happy Customers*
₹238/monthStarting premiums*
Car insurance for your Kia offers essential protection against unforeseen events which can lead to costly repairs, providing you with the necessary financial assistance to cover these expenses.
Kia car insurance provides robust financial protection from risks, like accidents, theft, natural calamities and third-party liabilities.
According to the Indian Motor Vehicles Act 1988 Third Party Car Insurance is mandatory. In addition, the Supreme Court of India has mandated all new cars purchased after 1st September 2018 must be covered by at least a 3-year third-party car insurance.
Therefore, a Kia car insurance policy keeps you legally compliant and avoids legal issues and hefty fines.
By purchasing car insurance for your Kia car, you can ensure extensive coverage for a wide range of potential risks, including accidents, theft, and natural calamities, at an extremely affordable premium. Our Kia car insurance plans are available at just ₹238/month.
Our Kia auto insurance policy offers a diverse range of over 10 add-ons, such as Nil Depreciation and Pay-As-You-Drive and additional covers, such as Engine Protection, Consumable Expenses, Roadside Assistance and more, to enhance the coverage of your basic car insurance policy and customise it to your requirements.
In addition to covering the repair expenses, our Kia car insurance features financial protection for the owner-driver in the event of death or permanent disability for up to ₹15 lakhs.
Receive a cumulative bonus for every claim-free year, up to 5 years, which reduces your premium every year.
You can buy or renew Kia vehicle insurance from Reliance General Insurance in a few simple steps online. It is user-friendly, convenient and cost-effective.
A key benefit of Kia car insurance from Reliance General Insurance is that we ensure prompt response for a quick and efficient claim settlement process by establishing transparent video claims and real-time tracking. We have registered a claim settlement ratio of 100% for FY 2023-24.
One of the best benefits of our Kia car insurance is the convenience of quality cashless repairs. So, if you’re looking for a Kia cashless insurance company listed anywhere online, you’ll find that we’re among the top contenders.
We offer access to a wide network of over 10,000 cashless garages across the different parts of our country.
We extend 24/7 customer support dedicated to addressing your queries promptly and efficiently.
Third-party car insurance provides financial protection against third-party liabilities for property damages, injuries and death due to your insured Kia car. It offers basic and affordable coverage while also ensuring legal compliance.
A standalone, Own Damage Car Insurance policy covers damages incurred to your own Kia car due to accidents, fire, theft and natural calamities. The coverage can further be enhanced with add-ons and additional covers based on your needs.
A comprehensive Kia auto insurance policy offers extensive coverage, including third-party liabilities and own damage protection. In addition, you can enhance the Comprehensive car insurance coverage with a wide range of add-ons and additional covers personalised to your specific requirements.
If you are buying car insurance for a second-hand Kia car, a vehicle inspection is the first and most crucial part. Look out for the vehicle condition by considering the different parts to determine the IDV for adequate coverage.
Gather the essential documents related to the car, such as the Registration Certificate from the previous owner. Ensure to get the documents transferred to your name.
Proceed to buy Car Insurance Online. Based on the details of your car retrieved by the system, we might conduct a survey to determine the car insurance policy options that can be provided. You can compare and choose among the options to decide on a suitable coverage for your Kia car insurance.
Also Read: How To Transfer Car Insurance While Buying A Second-Hand Car
Inclusions
Exclusions
● Third-party liabilities
● Accidents and Collisions
● Theft of Insured Car
● Natural Calamities, such as floods, hurricanes and earthquakes
● Man-made Calamities, such as strikes, riots and terrorism.
● In-transit damages (When your Kia is being transported by rail, road, inland waterway, air, or lifted from one place to another)
● Fire and Explosion
● Animal Attacks/Rat Bites
● Personal Accident Cover
● Depreciation
● Illegal Driving
● Mechanical Failure or Breakdown
● Negligence during driving
● Driving without valid essential documents
● Driving under the influence of alcohol
● Driving outside the geographical boundaries
● Damages due to wars
● Pre-existing damages
● Electrical damage
● Regular wear and tear
Reliance General Insurance offers a diverse array of add-on covers to enhance your car insurance for your Kia and help you secure comprehensive and customised coverage.
Here is a list of the add-on covers that we provide:
Reliance General Insurance also offers EV-specific add-ons like –
When choosing add-ons for your Kia car insurance policy, it is important to consider your specific requirements. For example, if you frequently travel long distances, the 24x7 Roadside Assistance and Tyre Protection Cover are smart choices. If you live in a flood-prone area, the Engine Protection Cover can provide valuable protection.
Reliance General Insurance offers seamless cashless and reimbursement claim processes.
Provide details of your claim or policy number and check the status of your status of your claim online.
Please Note: Payments for uninsured parts, depreciation and deductibles, unless included by an optional add-on, will not be covered under the claim.
The documents required to claim your Kia motor insurance benefits vary depending on the situation. Thus, it is advisable to confirm the specific documents with our team at the time of claim intimation.
Here are some of the common documents required:
For more information, check the complete list of car insurance claim documents.
Differentiating Factors
Cashless Claims
Reimbursement Claims
Payment Method
We deal with the garages directly and settle the bills for cashless car insurance for Kia.
You need to make the initial payment and submit the receipts for reimbursement.
Choice of Garage
You can select any of our network garages nearer to your location.
You can select any authorised garage based on your preference.
Documentation required to Claim the Benefits of Car Insurance for Kia
As we deal with the garage directly, the documentation is extremely minimal.
You need to secure all the documents related to the repair and payments made, including the bills and receipts, to submit them for reimbursement.
Ease of Claim Process
Simple, convenient, direct and streamlined.
Involves more steps and detailed documentation
The premium for third-party Kia car insurance rates is decided and declared based on the engine’s cubic capacity by the Insurance Regulatory and Development Authority of India (IRDAI).
The Kia car insurance premium for own-damage and comprehensive car insurance plans varies based on different factors, as discussed below:
The IDV is determined by subtracting the depreciation applicable to your Kia car from its current market value. It is the value you will receive from your Kia car insurance in case of total loss. The IDV is higher for new vehicles, which in turn results in a higher premium.
The add-ons and additional covers you select for your car will increase the premium based on their individual costs. Opt only for the most required add-ons to ensure it is under your affordable limit.
Your Kia car’s engine cubic capacity, make, model and any additional accessories majorly impact your Kia car insurance premium. For example, installing anti-theft devices lowers the risk of theft, which in turn can reduce the applicable premium.
NCB refers to a discount you earn on every claim-free year that is applicable to the premium rate. The No Claim Bonus can be carried over from your previous car insurance plan or insurer accumulated over the past years. Therefore, accumulate NCB to earn the maximum possible discount on your premium.
Other factors, such as your location, usage, and voluntary deductibles, can also affect the premium of your Kia vehicle insurance based on your specific circumstances.
The simplest and most convenient way to calculate the premium under any Kia insurance company for your Kia car insurance is to use a Car Insurance Calculator.
To use ours, you just need to provide the following details:
You should note that there is no standard rate for comprehensive plans. So, your Kia Carens insurance price, Kia Sonet insurance price and Kia Seltos Htx insurance cost will all be different.
As discussed in the previous section, IRDAI decides the third-party premium rates based on the vehicle’s engine cubic capacity. It is subject to change and is higher for vehicles with a higher cubic capacity.
The current premium rates for standard and electric cars are as follows:
Engine Cubic Capacity
Annual Premium ( ₹)
Up to 1000 cc
₹2,094
Above 1000 cc up to 1500 cc
₹3,416
Above 1500 cc
₹7,897
Battery Capacity
Annual Premium (₹)
Up to 30 kW
₹1,780
Above 30 kW up to 65 kW
₹2,904
Above 65 kW
₹6,712
Kia India began mass production in 2019, and since then, is striving to establish itself as a key player in the Indian Automotive Industry. Its innovation and style has attracted a diverse range of customers.
Here is the brand’s come of the significant Unique Selling Points:
Kia Corporation is a renowned global brand with a vision - ‘Inspiring mobility solutions that enrich lives.’ They are known for advanced features, reliability and stylish designs. Here are some of the popular Kia Car models and their prices:
Kia Car Models
Price (Ex-showroom price all India. T&C Apply) *
Kia Sonet
₹7,99,900
Kia Seltos
₹10,89,900
Kia Carens
₹10,51,900
Kia EV6
₹60,96,000
*Prices are indicative, may vary between cities and are subject to change.
Kia Seltos Insurance
Kia Carens Insurance
Yes, you can customise your Kia car insurance policy by deciding on the specific type of car insurance, plan options within them and optional add-ons and additional covers for enhanced and customised coverage.
Yes, at Reliance General Insurance, we offer discounts for purchasing car insurance online, installing anti-theft devices, Automobile Association Membership and voluntary deductibles. However, make sure to check if it applies to your specific car brand and model.
The best car insurance policy for your Kia car depends on your specific model, usage and requirements.
Disclaimer: *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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