Kia Sonet Car Insurance

If you are in search of a subcompact SUV that offers outstanding value for money, the Kia Sonet emerges as a popular choice. The one-of-a-kind SUV boasts a modern design, feature-rich interior and a fuel-efficient engine – all at a competitive price.

A Kia Sonet car insurance is a valuable financial safety net that safeguards both your investment and driving experience.

At Reliance General Insurance, we offer a wide range of policy options for car insurance for your Kia Sonet that can be personalised to your requirements while also fitting your budget.

Here are some key highlights you can expect under your Reliance Kia Sonet Insurance:

How to Buy Kia Sonet Car Insurance - Online and Offline?

Kia Sonet Car Insurance Online Buying Process

• Step 1: Visit our Reliance General Car Insurance Online
• Step 2: Enter basic details such as your Kia Sonet’s registration number and your contact number and mobile number.
• Step 3: Click on ‘View Prices’ and verify the details of your Kia Sonet car retrieved by the system.
• Step 4: Compare the different plan options and choose a suitable Kia Sonet car insurance plan. Customise the IDV and opt from the wide range of optional add-ons if required.
• Step 5: Click on ‘Buy Now and pay the applicable Kia Sonet insurance price using any of the suitable digital payment methods and complete the process.

Kia Sonet Car Insurance Offline Buying Process

• Step 1: Visit any of our Reliance General Insurance branch offices. You can use our branch locator to find the nearest branch to your location.
• Step 2: Provide details of your Kia Sonet car to any of our representatives. They will detail the different Kia Sonet car insurance plan options available and the optional covers and discounts.
• Step 3: Compare the different options and choose a car insurance policy suitable to your requirements.
• Step 4: Fill out the application form and provide the necessary supporting documents.
• Step 5: Pay the applicable premium charges and complete the procedure.

Kia Sonet Car Insurance Renewal Online Process

• Step 1: Visit our Reliance General Car Insurance Online
• Step 2: Under the ‘Renewal’ tab, choose the ‘Renew Car Insurance’ option for Kia Sonet insurance renewal.
• Step 3: Enter Kia Sonet insurance policy number, your car’s registration number, engine or chassis number and click on ‘Go’.
• Step 4: Your current Kia Sonet insurance policy details will be displayed. Check and make modifications if necessary. It is the best time to add optional features and enhance your coverage.
• Step 5: Pay the applicable Kia Sonet yearly insurance renewal premium and complete the procedure.

How to Buy Insurance for a Second-Hand Kia Sonet Car?

• Step 1: Examine the different parts of the Kia Sonet car, account for the depreciation in value and determine the adequate Insured Declared Value (IDV).
• Step 2: Gather all the essential documents and ensure they are transferred to your name.
• Step 3: Proceed to buy Car Insurance Online. Based on the details of your Kia Sonet car, we might need to survey the car’s present condition to approve of the coverage and determine the suitable plan options.
• Step 4: Compare and choose a suitable Kia Sonet car insurance plan and include additional optional covers if necessary.
• Step 5: Pay the applicable Kia Sonet insurance cost and complete the process.

Why Do You Need Car Insurance for Kia Sonet?

To Ensure Legal Compliance

According to the Motor Vehicles Act 1988, purchasing third-party car insurance is compulsory in India. Non-compliance can attract hefty penalties.

To Ensure Financial Protection

With a Kia Sonet car insurance, you can pay for unprecedented repair expenses caused due to various reasons such as accidents, thefts, natural disasters and man-made calamities.

To Secure Personal Accident Cover

By purchasing Kia Sonet car insurance, you can also secure a personal accident cover of up to ₹15 lakhs for the owner-driver in the event of accidental injuries or even death.

Features and Benefits of Reliance Car Insurance for Kia Sonet

Diverse Array of Plan Options at an Affordable Rate

At Reliance General Insurance, we offer a wide range of plan options for Kia Sonet at an affordable premium cost. Our car insurance for Kia Sonet starts at ₹238/month.

Discounts

In addition to offering Kia Sonet car insurance plans at an affordable rate, we also offer discounts for purchasing car insurance online, installing anti-theft devices and voluntary deductibles that can further reduce your premium.

Third-Party Liability Coverage

A Kia Sonet vehicle insurance from Reliance helps reduce financial burdens associated with third-party liabilities and ensures seamless processes to resolve any legal issues that may arise.

Comprehensive Coverage

With our Kia Sonet insurance plan, you can get extensive coverage for a wide range of potential risks, including accidents, thefts, fire, natural disasters, man-made calamities and more.

Wide Range of Optional Add-on Covers

Reliance General Insurance offers over 10 optional add-on covers to enhance the coverage of your Kia Sonet vehicle insurance plan based on your specific requirements.

Pay-As-You-Drive

If you drive your Kia Sonet only occasionally, our Pay-As-You-Drive insurance policy allows you to pay for coverage to the extent required based on the distance you drive every year.

Broad Network of Cashless Garages

We have established a broad network of over 10,000 garages for cashless repairs across India to benefit from our Kia Sonet insurance.

Seamless Claim Processes

We offer a seamless cashless and reimbursement claim process that you can access in three simple steps. We respond within 48 hours of your claim initiation for a survey to proceed with your claim.

High Claim Settlement Ratio

We are proud to have achieved a claim settlement ratio of 100% for FY 2023-24. It establishes our commitment to addressing and settling the registered claims efficiently.

Prompt Customer Service

We are committed to delivering prompt customer service 24/7 and dedicated to addressing all your queries.

Popular Kia Sonet Insurance Types

Kia Sonet Third-Party Insurance Plan

A third-party Kia Sonet car insurance plan covers third-party liabilities caused by your insured Kia Sonet car. It includes third-party injuries and even death and also damages incurred to third-party properties.

Kia Sonet Own Damage Insurance Plan

The own damage car insurance for Kia Sonet offers extensive and exclusive coverage to cover the damages incurred to your car due to various reasons such as natural disasters, theft, man-made calamities, fire, animal attacks and more.

Kia Sonet Comprehensive Insurance Plan

A comprehensive car insurance for Kia Sonet covers third-party liabilities and own damages. In addition, it can be enhanced with our diverse array of optional add-ons to cover potential risks specific to your personal circumstances.

Kia Sonet Pay As You Drive Insurance

This is a Reliance usage-based insurance cover that comes with own damage protection. Here, you select the estimated number of kilometres (starting from 2,500 km) you will drive in a policy year and get a discount on your own damage premiums the lower your kilometre limit is on renewal.

It is the perfect cover for occasional drivers, and you can save up to 90% on premiums!

Also Read: How to Choose the Right Car Insurance?

Kia Sonet Insurance Policy - Inclusions & Exclusions

Inclusions

• Third-party liabilities, including injuries, death and property damages
• Damages caused by road accidents and collisions
• Damages incurred due to fire explosions, self-ignition or lightning
• Theft or total loss
• Damages caused due to natural calamities, such as floods, earthquakes, typhoons, hailstorms, etc.
• Damages incurred due to man-made calamities, such as riots, terrorism, vandalism, etc.
• Damages caused during transportation of the car through rail, road, air or waterways
• Compensation for the owner-driver for accidental injuries, disabilities or even death
• Damages caused due to animal attacks, such as rat bites

Exclusions

• Damages caused outside the mentioned geographical limits
• Damages prevalent before the purchase of the policy
• Damages caused due to wars, such as nuclear wars, civil wars, etc.
• Regular wear and tear and depreciation of components
• Damages caused by electrical components in your Kia Sonet car
• Damages that result from an electrical or mechanical breakdown
• Damages caused due to illegal driving, such as under the influence of alcohol, without a valid driving licence or driver’s negligence

Kia Sonet Insurance Add-On Covers

The driving conditions and requirements differ from person to person. And therefore, the Kia Sonet insurance policy may also need to be modified for enhanced coverage. For this reason, we have introduced over 18 add-on covers to extend the coverage for specific purposes.

For example, suppose you reside and drive your car in extreme weather conditions. In that case, you may need the engine protection cover and the consumables cover to secure comprehensive protection against the wear and tear of essential components.

At Reliance General Insurance, we offer the following diverse range of add-on covers to enhance the coverage for your Kia Sonet car insurance:

• Pay As You Drive Car Insurance: Our Pay as You Drive cover allows you to reduce premium rates based on how much you’ve driven your car within a policy year.
• Nil Depreciation or Bumper-to-Bumper Insurance: Here, the depreciation amount of your car parts during repair and replacement will also be covered during claims.
• 24x7 Roadside Assistance: Offers emergency roadside assistance for vehicular breakdowns in remote locations.
• Engine Protection Cover: Offers reimbursement for repair/replacement of your Kia Sonet's engine and its parts for damage due to accidents, leakage or flooding.
• EMI Protection Cover: Covers up to 3 EMI loan payments in case your car repairs take more than 21 days.
• NCB Retention Cover: Protects your accumulated NCB discount for up to 2 claims in a policy year.
• Return-to-Invoice Cover: Offers full reimbursement of the original invoice amount of your Kia Sonet in case of total loss or total vehicular theft.
• Consumables Expenses: Covers replacement cost of nuts, screws, water, fuel, oil, lubricant, bolts and other consumable after an accident.
• Total Cover: Offers reimbursement of your Kia Sonet's on-road costs, including registration charge and road tax costs, in case of total loss.
• Tyre Protection Cover: Cover repair and replacement of your Kia Sonet’s tyres due to accidental damage or wear and tear.
• Loss of Personal Belongings: Covers theft of personal belongings from your Kia Sonet, like phones or laptops (up to a specific amount).
• Geo Extension: Extends your Kia Sonet insurance policy coverage outside India’s borders to other countries.
• Non-Electrical Accessories: Covers damage/loss of non-electrical fittings like alloy wheels or seat covers.
• Daily Allowance Benefit: Offer a fixed daily payout for alternate transport during extended car repairs for a specific number of days.
• RIM Protection: Covers the damage and loss incurred to your Kia Sonet’s rims.
• Key Replacement: Covers expenses related to replacing lost or stolen keys. Also covers lock replacement if needed.
• Electrical Accessories: Covers damage for any electrical enhancement you’ve made to your Kia Sonet like navigation units, sound systems, fog lights, etc.
• Emergency Hotel Accommodation: Offers payout for hotel accommodations if your Kia Sonet breaks down more than 200 km away from your home.

We also offer a range of EV-specific add-on covers for electric cars that cover damage to the car’s battery, electric motor and charging unit.

Kia Sonet Car Insurance Claim Process

Cashless Claims on Kia Sonet Insurance Policy

• Step 1: Call us on our paid helpline number - +91 22 48903009 or log in into our Reliance Self-i App to notify us about the incident at least within 24 hours. We will respond within 48 hours of intimation for the survey.
• Step 2: Take your Kia Sonet car to any of our network garages for cashless repair.
• Step 3: Our surveyor will examine the damages and discuss the probable expenses with the garage owner. You can provide the duly filled claim form and the supporting documents to the surveyor.
• Step 4: We will examine the condition and provide our approval for the cashless claims and then the garage will start the repair process.
• Step 5: Upon completion, the garage will send the bills to us and we will settle them directly.

Reimbursement Claims on Kia Sonet Insurance Policy

• Step 1: Inform us about the incident by using any of the above-discussed methods within 24 hours.
• Step 2: Take your Kia Sonet car to any authorised garage of your choice.
• Step 3: Upon completion of the repairs, settle the bills with the garage owner out of your pocket.
• Step 4: Fill out the claim form, collect the necessary supporting documents, including the bills and receipts and submit them to us.
• Step 5: We will evaluate the documents and compensate for the applicable expenses.

After registering the claim with us, you can check the status of your Kia Sonet insurance claim online.

Please Note: Payments made on repairs for uninsured parts, depreciation and deductibles, unless included by the specific optional add-on, will not be covered under the claim.

Documents for Kia Sonet Insurance Claim

The documents required to file a Kia Sonet car insurance claim can vary based on the specific incident and type of claim. Therefore, it is important to confirm the documents required during claim intimation with us.

Some of the most common documents required are:

• Duly filled Claim Form
• Kia Sonet Car Insurance Policy
• Copy of Registration Certificate
• Proof of identity and residence
• Tax Receipts
• Copy of Driving Licence

In case of reimbursement claims, these additional documents will be required:

• Repair estimates
• Repair bills
• Payment receipts

In case of accidents or third-party involvement, a First Information Report (FIR) is a must

For the Personal Accident Cover benefit, hospital bills and medical reports will be necessary.

For more information, check the complete list of car insurance claim documents.

Kia Sonet Cashless Insurance vs. Reimbursement Insurance

Kia Sonet Car Insurance Premium

The premium for your Kia Sonet car insurance policy differs based primarily on the choice of your car insurance policy.

The Insurance Regulatory and Development Authority of India (IRDAI) declares the third-party Sonet 5-seater insurance prices. It is based on your vehicle’s engine cubic capacity.

The premium for own-damage and comprehensive car insurance plans are decided based on many factors. Some of the most important factors are as detailed below:

Vehicle Specifications

Your Kia Sonet’s make and model variant is a key factor that determines the premium. High-end variants with advanced features certainly increase the premium.

Insured Declared Value (IDV)

The Insured Declared Value refers to the maximum compensation you can receive on your Kia Sonet car insurance policy. It is the current market price of the specific Kia Sonet model less the depreciation applicable to your car.

You can customise your Kia IDV from a range of 3 IDVs offered during purchase. Remember that a higher IDV attracts a higher premium.

Optional Add-on Covers

While optional add-on covers enhance the coverage, they come at an additional premium. The type of add-on and the extent of coverage offered significantly affect the Kia Sonet car insurance price.

Location and Driving History

If you are residing in a location that is prone to accidents, the premium can be higher. Also, if you have a history of accidents or traffic violations, your driving record can impact your premium rates to a considerable extent.

Voluntary Deductibles

When you opt for a higher deductible (the amount you pay in the event of an insurance claim before we cover the remaining expenses), your premium gets reduced significantly. We also offer discounts on voluntary deductibles. However, it also means you have to pay a higher amount out-of-pocket in case of a claim.

Also Read:6 Car Insurance Tips for SUV Lovers

How to Calculate Kia Sonet Car Insurance Premium?

Calculating your Kia Sonet insurance cost can be made simpler with our Car Insurance Premium Calculator. It is a freely available online tool that helps you determine your Kia Sonet car insurance price based on your specific requirements and choice of policy features and add-ons.

You just need the following information to calculate the premium:

• Your Kia Sonet’s Registration Certificate
• Your Mobile Number and Email Address
• Choice of car insurance policy
• Choice of optional add-ons and additional covers

Third-Party Car Insurance Premium

As discussed previously, the IRDAI declares the Kia Sonet insurance amount for your third-party Kia car insurance policy.

The current premium rates for a standard and electric car based on the engine’s cubic capacity are as detailed below:

For Standard Cars

For Electric Cars

Kia Sonet - Overview and USPs

The Kia Sonet stands out in its segment, offering a unique combination of low maintenance costs, the highest residual value and the best total cost of ownership. If you are seeking a subcompact SUV that delivers exceptional value for money, the Kia Sonet is undoubtedly one of the best options.

Some of the USPs that led to its success are:

• Powertrain - Kia Sonet offers a dynamic driving experience powered by the Smartstream G1.2 5MT engine.
• Interior and Exterior - Semi Leatherette Seats with all-black interiors, premium beige roof lining, silver brake calliper, Kia signature tiger-nose grille with knurled silver surround and glossy black delta garnish glow up the interiors and exteriors.
• Safety - The Intuitive ADAS Level 1.0 and Robust 15 Hi-Safety Package, including Brake Assist System, Hill-Start Assist Control, Vehicle Stability Management and Electronic Brake System, extend safety to a confident driving experience.
• Convenience - 360-degree camera with blind view monitor in cluster, tilt steering, assist grip and electric adjust outside mirror are some of the remarkable convenience features.
• Kia Connect - Kia Sonet connects with 70+ smart connected car features.
• Colours - Kia Sonet is available in a vibrant array of colours such as clear white, sparkling silver, gravity grey, intense red, aurora black pearl, pewter olive and imperial blue.

Also Read: Choose A Perfect Car Type For Yourself

Kia Sonet - Models and Prices

*MSRP - Manufacturer’s Suggested Retail Price (Starting Price). Prices can vary between cities and are subject to change.

Kia Motors Car Models for Which Reliance General Insurance Offers Car Insurance

Frequently Asked Questions (FAQs)

1. Can I transfer my Kia Sonet Insurance for a second-hand car?

   Yes, you can transfer your Kia Sonet Insurance plan for a second-hand car. Here is how to transfer car insurance while buying a second-hand car. So, wait to reap the benefits of a Kia Sonet car insurance from Reliance General Insurance and get insured today!

2. Is insurance higher on Kia Sonet?

   The premium for a Kia Sonet car differs based on several factors such as the type of car insurance policy, make and model, engine’s cubic capacity, IDV, your location and driving history and voluntary deductibles.

   For example, your Kia Seltos Htx insurance cost and Kia Carens insurance price will be different since you car variant is a significant factor in determining policy premiums.

3. Which policy is good for my Kia Sonet car?

   The best car insurance policy for your Kia Sonet car should depend on your personal requirements, usage and affordability. A basic third-party insurance coverage may be suitable if you drive your Kia Sonet less frequently.

   On the other hand, comprehensive car insurance with adequate coverage is a must if you're a frequent regular or long distance traveller.

   At Reliance General Insurance, we offer a wide range of plan options with customisable features at an affordable rate to help you choose a suitable car insurance policy based on your specific needs.​
   

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.

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.

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.

Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).