A guide to Hyundai Exter Car Insurance
The Hyundai Exter, a fresh face in the Indian SUV market, has quickly won over car enthusiasts with its perfect blend of cutting-edge features and an aggressive price tag. Its popularity is soaring, and if you're considering making it yours or already have, securing the right car insurance is crucial to safeguarding your prized investment. In this article, we’ll delve into all you need to know about Hyundai Exter insurance, from the types of coverage available and the perks of buying insurance online to must-have add-ons and tips for renewing your policy.
Variants & price overview of Hyundai Exter Car
Hyundai Exter is offered in 26 different models so that every consumer with their own unique needs and price ranges can find one that suits them.
Here are some of the variants’ prices:
Base Model (EX): ₹6.13 lakh
Top Model (SX Opt Connect Knight DT AMT) ₹ 10.43 lakh
Top Seller (SX Opt) ₹ 8.87 lakh
Top Seller (SX CNG) ₹ 9.23 lakh
Engine specifications:
Engine: 1.2-litre, 4-cylinder petrol engine
Power Output: 67.72 bhp (CNG) to 82 bhp (petrol)
Torque: 95.2 Nm (CNG) to 113.8 Nm (petrol)
Transmission: Available in both manual and automatic (AMT) options
The Exter combines modern features and safety specifications, making it a competitive option in the compact SUV segment. It also gives a mileage of approximately 19.2 km/kg for petrol and approximately 27.1 km/kg for CNG variants.
With its different variants, shapes and sizes, that's a Hyundai Exter for everyone. But the real question is how you are going to protect your vehicle once you get it out on the road, and for that, you will want the best insurance possible.
Benefits of buying Hyundai Exter Car Insurance online
Easy and quick
Online platforms make it easy to compare various insurance plans, choose the desired coverage, and buy it, all in a few clicks.
24/7 availability
You can log in to online insurance portals at any time and buy or renew their policy as per convenience.
Issuance of policy instantly
As soon as one makes payment for the car insurance policy, the policy will be issued via email, hence the concept of receiving physical documents becomes null.
Cost-effective
Most of the online policies do come at competitive premiums because there are no intermediaries, hence lower administration costs.
You get customization options
You can easily customize your policy with some add-ons. It is all customized according to your needs.
There is no paperwork hassle
The entire process is done online, so you do not have any hassles associated with paperwork.
A safer transaction
The reputed insurers use secure payment gateways so that your personal and financial information are safer.
Types of Hyundai Exter Insurance Plans
Third-party liability insurance
This is the minimum statutory requirement in India. This insurance covers injuries/death of the third party, property damage, and legal liabilities, but it does not give coverage to your own vehicle.
Comprehensive insurance
In this policy, the owner gets broad coverage that includes the own damage, third-party liability, and additional protection through add-ons such as zero depreciation, engine protection, and roadside assistance.
Stand-alone own damage policy
Specifically covers damages to the insured vehicle, this can be purchased alongside a third-party policy
Inclusions of Hyundai Exter Insurance policy
1. Third-party liability coverage
- Injury or death: financial protection against claims for injuries or death caused to third parties in an accident.
- Property damage: coverage for damages to third-party property resulting from an accident involving your Hyundai Exter.
2. Own damage cover
- Accidental damage: coverage for repair costs due to accidents.
- Theft: compensation if your Hyundai Exter is stolen.
- Fire and natural disasters: protection against damages caused by fire, floods, earthquakes, and other natural calamities.
- Vandalism: coverage for damages caused by malicious acts.
3. Personal accident cover
- Compensation: provides compensation for the owner-driver in case of injuries, disability, or death resulting from an accident, typically up to ₹15 lakhs.
4. Total loss protection
- Total loss: if your Hyundai Exter is declared a total loss (beyond repair) or is stolen, the policy provides compensation based on the insured declared value (IDV).
Exclusions of Hyundai Exter Insurance Policy
While Hyundai Exter insurance policies offer extensive coverage, it’s essential to be aware of standard exclusions, such as:
- Damages due to driving under the influence: claims are rejected if the driver was under the influence of alcohol or drugs at the time of the incident.
- Wear and tear: normal wear and tear of the vehicle is not covered.
- Driving without a valid license: damages incurred while driving without a valid license are not covered.
- Outside geographical limits: losses occurring outside the geographical limits specified in the policy are excluded.
Hyundai Exter Insurance add-on covers
Zero depreciation cover
Ensures the entire claim without deducting any depreciation on the parts. Highly recommended for new or high-value cars.
Engine Protection Cover
Compensation for damage caused due to oil leakage, water ingression, and other non-collision incidents.
Roadside assistance
Includes towing, fuel delivery, jump-starting, flat tire service, etc.
Return to invoice
Ensures compensation equivalent to the bill value of the car in case of total loss due to theft or damage.
How to renew Hyundai Creta Insurance online?
1. Log in
Access the website or mobile application of the official insurer.
2. Enter details
Input your current policy number and Vehicle Registration Number.
3. Review and select
Review coverage options and select add-ons.
4. Make payment
Choose from available payment methods.
5. Receive document
After successful payment, the renewed policy document will be sent to you instantly via mail.
How to make a Hyundai Creta Insurance claim?
Intimate the insurer
Immediately inform your insurance company about the incident by calling their customer service number or through your email.
Register an FIR
In cases of theft or severe accidents, file a First Information Report (FIR) with the local police station.
Submit documents
Provide the claim form, policy document, FIR copy, and repair receipt (if any) to the insurance company.
Survey and inspection
The insurance company will send a surveyor to inspect the damages and assess the claim.
Claim settlement
If your claim is approved, the insurer will settle it directly with the garage or compensate you for the expenses.
Why buy Hyundai Creta Car Insurance online from Zuno?
Comprehensive coverage
Offers a wide range of coverage options, ensuring the best policies for your vehicle.
Competitive premiums
Provides reasonable pricing with attractive discounts.
Hassle-free claims
Efficient and quick claims process with minimal downtime.
Customer support
Dedicated 24/7 support team for all your queries and issues.
User-friendly platform
Easy-to-use online platform for managing your policy, raising claims, or renewing insurance.
Conclusion
Ensure you have the right insurance plan to protect your Hyundai Creta from various eventualities. Policies range from basic third-party liability coverage to comprehensive options. Online purchase provides convenience and flexibility to compare and manage your policy easily. For competitive premiums, comprehensive coverage, and excellent customer support, choose Zuno for your Hyundai Creta car insurance. Protect your vehicle now and drive confidently.
FAQs
Should I buy insurance for my Hyundai Creta?
At the very least, you need to have third-party liability insurance for your Hyundai Creta as it is mandated by law. Comprehensive insurance offers financial protection against various risks and is a wise choice.
Can I renew my Hyundai Creta insurance policy online?
Yes, you can easily renew your Hyundai Creta insurance policy online through the insurer's website or mobile app.
What documents are needed to claim my Hyundai Creta insurance policy?
You will need a filled-in claim form, a copy of the policy, FIR (in case of major accidents or theft), and repair bills or quotes.
Can I check the status of my Hyundai Creta insurance online?
Yes, most insurance companies have the option of checking the status of your insurance claim online through their website or mobile app.
What details do I need to provide while renewing my Hyundai Creta insurance online?
During renewal, you will need to provide your existing policy number, vehicle registration number, name, and personal contact details.