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Car Insurance For Hyundai Car

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Reviewed by  Manish Sinha:

Manish Sinha

Deputy Vice President

14 years of vast experience in General Insurance Industry and Motor Underwriting, Digital Underwriting, Underwriting IT, Insurance Motor Products & development.

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Hyundai cars are known for their modern design, advanced safety features and fuel efficiency. From compact models like the Grand i10 for city driving to premium SUVs like the Creta and Tucson for long-distance travel, Hyundai offers a wide range of vehicles to suit every need. But no matter how reliable or feature-packed they are, Hyundai cars still need protection against unexpected damage.

For example, city driving can put your car at risk of scratches and dents from tight parking spaces or congested traffic. A sudden downpour during the monsoon could lead to water damage in low-lying areas, especially to sensitive electrical components and sensors. With Reliance Hyundai car insurance, repair costs for these types of accidental and weather-related damages are fully covered, so you're not left paying for repairs out of pocket.

At Reliance General Insurance , we've made it simple to buy and renew your Hyundai car insurance. You can even download your policy instantly through the Reliance Self-i app and keep it stored on your phone, so your insurance details are always just a tap away.

Why Choose Us?

Reliance General Insurance offers everything you need to keep your Hyundai safe on the road. This includes a wide range of useful add-ons, a smooth claim process, 24/7 support and access to a vast cashless garage network across India.

10+ Add-On
Covers*
Enhance your Hyundai car coverage
Up to 3 Years Coverage*
Flexible coverage for all drivers
Video Claims Feature*
File your claim using your phone
24/7 Customer Assistance*
Expert care and quick support

Why Do You Need Hyundai Car Insurance?

Legal Mandate

Car insurance is legally required for all vehicle owners in India. If you own a Hyundai, whether it's a city-friendly i10 or a highway-ready Creta, you must have valid insurance. Driving an uninsured car in India can lead to fines between ₹2,000 and ₹4,000, and in some cases, imprisonment of up to 3 months.

High Quality Repairs

Hyundai cars, from the compact Grand i10 to the premium Tucson, are built for a smooth drive, but frequent runs through traffic-clogged city streets or long highway trips can take a toll. For example, sudden braking in stop-and-go traffic can lead to a minor collision with the vehicle in front of you, or highway debris can chip paint or damage the underbody. With Hyundai car insurance, these repair costs are covered, so your car stays in top condition.

Covers Car Theft

Popular Hyundai models like the Creta and Verna are often targeted for theft in major cities such as Mumbai, Hyderabad and Delhi due to high resale demand. With prices reaching up to ₹25 lakhs*, our car insurance helps you recover from total loss-type incidents like theft by paying you the IDV amount. Opt for the Return to Invoice add-on, and you'll get the original invoice price of your Hyundai reimbursed*, covering road tax and registration fees too.

Covers Natural Disasters

Hyundai cars are known for their reliable engines, but floods and waterlogging during the monsoon can cause severe damage, especially in cities like Chennai or Kolkata. Our comprehensive car insurance plan covers such damage under the Engine Protect add-on, ensuring you don't bear the cost of engine repairs after heavy rains or similar events.

Covers Fire and Fire-Related Damage

Even though fire incidents are rare, they can cause major losses, particularly for Hyundai's EV range, like the IONIQ 5. Fire accidents can destroy critical components of your EV car, such as the battery pack or electric motor. Our car insurance protects against accidental fires and offers EV-specific add-ons that cover the battery, motor and onboard charger. This way, your Hyundai is safeguarded against both conventional and EV-specific fire risks.

Network Garages and Spare Parts

Hyundai has an extensive service network of 1550 service points* across India. However, finding a Hyundai service garage near you isn't always possible or accessible in every city, making it difficult to reach garages that guarantee genuine parts or standardised service. With us, you get access to a wide cashless garage network of 11,000+ garages* where only authorised Hyundai parts are used, ensuring your car gets the care it deserves, no matter where you are.

Note: The values present within this section have been taken from multiple sources across the web. The car price was taken from this source. The service points were taken from this source.

Types of Hyundai Car Insurance Plans

Comprehensive Car Insurance

Our comprehensive car insurance offers dual protection, which covers both third-party damages and repairs to your Hyundai vehicle. For example, if your Hyundai gets into a collision, this policy helps cover repair costs for both vehicles involved. You also get access to 10+ add-ons and 3 EV-specific add-ons* to enhance your coverage further.

Pay As You Drive Car Insurance

Pay As You Drive Car Insurance is perfect for Hyundai owners who drive less. So if you work from home, own multiple cars or use public transport regularly, you can save on premiums with this usage-based plan. This plan calculates premiums based on how many kilometres you drive. Choose between 2,500–10,500 km* annually, with a 125 km grace buffer*. You can carry forward unused kilometres and top up anytime if needed.

Third-Party Car Insurance

This is legally mandatory for every motor vehicle owner in India. It's also our most budget-friendly plan. The third party car insurance covers any damage or injury you may cause to others in an accident. For new Hyundai car owners, we offer 1- to 3-year plans*, where you pay the premium once and stay covered for up to three years without renewals.

Own Damage Car Insurance

If you already have third-party insurance, this standalone own damage car insurance policy covers damage only to your Hyundai car. You can choose from short-term* or long-term options, ranging from 1 month up to 1 year*. Own damais ideal if you want temporary coverage during risky periods like monsoons or need extended coverage without buying a full comprehensive policy.

Key Features of Reliance Hyundai Car Insurance

Reliance General Insurance offers features tailored to the way Hyundai cars are typically driven- daily commutes in city traffic, weekend road trips or navigating narrow lanes in smaller towns. Our plans are designed to match your Hyundai's performance, comfort and versatility on Indian roads.

Key Features Descriptions
Starting Premiums ₹238/month*
IDV CustomisationAvailable
Coverage Offered Own Damage & Third-Party Liability
DiscountsUp to 90%*
NCB DiscountUp to 50%*
Quick Claims Process Cashless + Survey is initiated within just 24 hours of claim initiation*
Smartphone-enabled claimsVideo claim feature on the Reliance Self-i App
Network Garages11,000+ network garages across India*
Instant Buying/Renewal
Quick policy purchase and instant renewal
Add-Ons10+ Add-ons and 3 specific add-ons for EV cars*
Personal Accident (PA) CoverAdditional PA cover of up to ₹15 lakhs* is available
24/7 Customer SupportAccessible through WhatsApp and Calls

Note​: Please refer to the official policy documents for detailed information.

Hyundai Car Insurance: Inclusions & Exclusions

What is Covered? What is Not Covered?
Accidents and Collisions: Covers the cost of repair for damage to your Hyundai car in case of a road accident. Wear and Tear: We do not cover normal wear and tear of the insured Hyundai car from regular use.
Third-party Damages: This covers the cost of repairing damage caused to someone else's property or vehicle. Depreciation: We do not cover depreciable parts, such as tyres, tubes or metal of your Hyundai car unless you have the add-on.
Natural/Man-Made Disasters: This covers repair costs caused by cyclones, earthquakes, strikes, riots, etc. Law Violations: Damage caused due to law violations, such as driving under the influence of alcohol or drugs.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered Accessory Coverage: We do not cover repair costs of your car's electronic or non-electronic accessories that are fitted additionally after purchase.
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV. Outside Coverage Zone: If the damage or loss occurs outside India, the claim won't be accepted without the applicable add-on.

Note: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.

Hyundai Car Insurance Add-Ons

Add-ons are designed to provide extended coverage for the repair costs of parts that are not covered by the base car plan. These also ensure that you can save more on your Hyundai car insurance with add-ons like NCB retention cover. So, whether it is a petrol car or a modern Hyundai EV, our wide range of add-ons ensures top-notch coverage for all.

Nil Depreciation

Money S​​aver

Also known as bumper-to-bumper cover, it offers full reimbursement for plastic, rubber and fibre parts without depreciation. Ideal for Hyundai car owners, as replacements for trims and panels can be expensive.

Pay-As-You-Drive Cover

Money S​​aver

It helps you adjust your premium cost based on your car's usage and distance driven. This means you only pay for the distance driven by your car each year rather than paying a flat rate.

Return-to-Invoice Cover

Mon​ey Saver

If your insured car is declared a total loss due to a major accident or theft, this cover helps you receive compensation as per the original price of the car. So, you'll be paid the full invoice amount you originally paid for your car.

Engine Protection Cover

Extra Car Pro​​tection

Covers repair or replacement costs for your Hyundai's engine if it's damaged due to water ingression, oil leakage, or hydrostatic lock. Engine protection cover is particularly useful for models like the i20 or Verna in flood-prone cities, where a single waterlogging incident can cause engine repairs worth ₹40,000–₹60,000*.

Tyre Protection Cover

Extra Car Pr​otection

Covers repair or replacement costs for tyres damaged due to bursts, punctures, or cuts. Tyre protection cover is ideal for Hyundai SUVs like the Tucson, where a single tyre replacement can cost ₹12,000–₹18,000*.

Key Replacement Cover

Extra Car ​Protection

Key replacement cover pays for the cost of replacing lost or stolen keys, including electronic key fobs and reprogramming. Very useful for Hyundai models with smart key systems like the Venue or IONIQ 5, where replacement costs can be high.

Consumables Cover

Money ​​Saver

Covers the cost of consumables such as engine oil, brake oil, nuts, bolts and washers during repairs. Hyundai owners benefit as these small parts aren't normally covered but are essential in restoring cars like the Creta or Venue after an accident.

RIM Protection Cover

Extra C​ar Protection

Covers the repair or replacement of damaged alloy or steel rims. This is useful for Hyundai cars like the Creta or Verna, where premium alloy rims are standard and costly to replace after pothole or curb damage.

Roadside Assistance

Extra Car Pro​tection

Offers immediate help in case of breakdowns, flat tyres, towing, or battery jump-starts. Perfect for long drives in your Hyundai Alcazar or highway trips in the Kona Electric, where service stations might be scarce.

Personal Belongings

Extr​a Car Protection

Covers theft of personal belongings from your Hyundai's locked cabin. Beneficial if you frequently keep laptops, documents, or valuables in your car during city commutes or road trips.

Daily Allowance Benefit

Mon​​ey Saver

Pays a fixed daily amount for travel expenses while your Hyundai is in the garage for repairs for more than three days*. Handy if you rely on your Santro or Aura for daily commutes and need an alternative mode of transport.

EMI Protection Cover

Money ​Saver

If your Hyundai is under a loan and becomes unusable due to damage or loss, this add-on pays your EMIs if the repair takes longer than 21, 42, or 63 days*. Ideal for higher-priced models like the Tucson or IONIQ 5, where monthly instalments can be substantial.

NCB Retention Cover

Mon​​ey Saver

This allows you to retain your No Claim Bonus even after filing a claim, provided it meets certain conditions. Hyundai owners can use this to protect premium discounts accumulated over claim-free years.

Electrical Accessories Cover

Extra Car​ Protection

Covers damage to factory-fitted or approved electrical accessories like music systems, navigation units, or reverse cameras in your Hyundai. This ensures tech-heavy models like the IONIQ 5 or Creta stay fully functional after damage.

Non-Electrical Accessories

Extra C​ar Protection

Protects non-electrical accessories such as seat covers, alloy wheels and spoilers. A good choice for Hyundai car owners who have invested in customised interiors or body kits.

EV Battery Protection

EV Car Protection

This add-on covers the expenses to repair damages caused to your Hyundai EV's battery from accidents, impacts, water ingress or power surges. Repairing the battery of an EV model can be expensive; thus, with this cover, you reduce a massive out-of-pocket expense.

Electric Motor Protect

EV C​​ar Protection

With this cover, repair your Creta Electric in case the EV motor fails due to motor damage, overheating, short circuits or impact. Reduce your repair expenses, especially the expensive ones like the EV motor repair.

EV Charger Cover

EV Car ​Protection

Insure your car from the expensive repair expenses of your EV charged in case it is damaged by a rodent, fire, power surges or theft. With this add-on, you can rest assured that your Hyundai EV's charging setup is secure.

Geo Extension Cover

Adventure &​ Travel

Extend your Hyundai's coverage beyond India to neighbouring countries such as Nepal, Bhutan and Bangladesh*. This is especially great for cross-border travellers in SUVs like the Alcazar or Tucson.

Note: The prices mentioned are an estimate only. The actual price to repair the damaged parts of your Hyundai car may vary based on the location, type of vehicle and damage. The engine repair costs were taken from this source, and tyre costs were taken from this source.

How to Buy/Renew Hyundai Car Insurance?

Buy Car Insurance Car Insurance Renewal
Go to the top of this Insurance page to start the buying process. Scroll up to the top of this page and click on "Renewal".
Enter your details > Click "View Prices".Fill in your mobile number or policy number > Submit.
Choose your IDV amount, add-ons and other essential features.Add your car's details, such as registration number.
Choose a car insurance policy and hit "Buy Now".Update/modify your own damage plan as per your needs.
Confirm the premium and make the online payment.Confirm the premium and make the insurance renewal payment.

Factors Affecting Hyundai Motor Insurance Premium for Car Models

Your car insurance's premium depends on several factors, such as your choice of plan, the market value of your car, make and model, modifications, etc. These factors indicate the type of coverage needed, and the price is set accordingly.

Insured Declared Value (IDV)

Insured Declared Value (IDV) represents the highest amount you can claim under your car insurance policy in case of total loss. It is derived from the current market value of your Hyundai car. A higher IDV means higher premiums, but it also ensures more coverage. So, it's important to choose an amount that is not too high but enough to ensure adequate coverage.

Make and Model

The specific model and variant of your Hyundai car are important factors taken into account for calculating the cost of insurance premiums. Generally, high-end Hyundai car variants attract higher premiums compared to base models.

Type of Policy

Your Hyundai car insurance premium cost can also vary based on the type of policy. For instance, third-party car insurance comes at a lower cost than comprehensive car insurance. The reason behind this is the difference in the coverage limits of different policies.

Add-Ons

Choosing add-ons is the best way to extend protection to car parts that are not covered in the base plan, like accessories/car modifications and the car engine. Some add-ons also help save more money, such as the NCB retention cover. While this results in a nominal increase in the premium cost, it can ensure more savings in the long-term since it can help minimise your out-of-pocket costs.

Claim History

Frequent claims to repair accidental damage to your car may indicate that your car is at a higher risk of future damage. Since we must provide you with more extensive coverage for your car, the premium for your car insurance will also be higher to support your frequent claims and coverage needs.

Installing Anti-Theft Devices

By installing ARAI-certified anti-theft devices, you enhance the protection of your car against theft attempts, making it more difficult to steal. This reduces the risk profile for your Hyundai car from the insurance companies' perspective. And a lower risk profile can equate to reduced premiums. You also get a 2.5% discount* on premiums, making it especially attractive if you're looking to lower premiums while ensuring more protection for your Hyundai car.

Note: The discount rate percentage may change based on your type of vehicle, make and model and age. Get the accurate information for the applicable discount by contacting us.

How to Calculate Hyundai Car Insurance Premiums?

Before buying insurance for your Hyundai, it's important to understand how much coverage will cost. Whether you own a Hyundai Creta, i20 or Verna, this tool helps you compare prices and choose a plan that fits your needs.

  1. Scroll Up: Go to the car premium calculator at the top of this page.
  2. Enter Details: Enter details such as your Hyundai car's registration number.
  3. Get Quote: Instantly receive an estimate of your insurance amount.

How to File a Hyundai Car Insurance Claim?

Cashless Claims

  1. Inform Us: Contact us to report the incident and file a claim within 24 hours, and register using the Reliance Self-i app.
  2. Claim Verification: Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.
  3. Self-Inspection: You can also opt for a self-inspection via the Reliance Self-i app by submitting photos or via a live video survey.
  4. Claim Approval: Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission*.
  5. Claim Settlement: After we approve, we pay the bill directly to the garage and drop off your car at your address.

Reimbursement Claims

  1. Inform Us: To initiate a claim for total loss, damage or theft, you'll need to inform us within 24 hours.
  2. Repairs at Any Garage: Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
  3. Claim Registration: Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
  4. Claim Verification: As part of the document verification, upload RC, policy, DL, FIR (if needed) and repair estimate.
  5. Claim Settlement: Upon approval, we will transfer the claim amount directly to your bank account.

Top Hyundai Car Models & Prices

Hyundai cars are preferred for their modern aesthetics, advanced technology and strong safety features. The brand combines reliability with comfort and fuel efficiency, making it a trusted choice for Indian families and everyday users.

Hyundai Car Models Ex-Showroom Price (in Delhi as of Aug '25)*
Hyundai New Alcazar₹14,99,000
Hyundai Creta N Line₹16,93,300
Hyundai i20 N Line₹9,99,500
Hyundai All New Verna₹11,07,400
Hyundai New Venue₹7,94,100
Hyundai All New i20₹7,50,900
Hyundai Aura₹6,54,100
Hyundai i10 Nios₹5,98,300
Hyundai Creta Electric₹17,99,000
Hyundai New Tucson₹29,26,800

Note: Prices of the given Hyundai cars can vary based on location and current market scenarios. The displayed prices are for the basic models and will vary based on your choice of car as well. Get in touch with your local car dealership for accurate information or visit the official Hyundai website.

Key Takeaways:

Whether you drive your Hyundai to work every day, take weekend road trips, navigate busy city streets, or use it for long highway journeys, it still needs proper insurance coverage. Accidents, waterlogging during monsoon, or even damage to sensors and electronics from minor collisions can lead to costly repairs.

That is why it is essential to protect your Hyundai with a reliable car insurance plan. With Reliance Hyundai Car Insurance , you get coverage starting at just ₹238/month*, along with 24/7 customer support and a fully digital claim process. We cover accidents, fire-related incidents and natural disasters such as floods and cyclones, along with third-party liability protection.

Plus, with repairs done at any of our 11,000+ cashless network garages*, you won't have to worry about upfront payments; we'll settle the bill directly with the garage. Protect your Hyundai today with a customised car insurance plan designed to suit your driving needs and get complete peace of mind every time you hit the road.

Frequently Asked Questions On Hyundai Car Insurance

  1. What is t​he cost of Hyundai auto insurance?

    Hyundai car ​​insurance costs are calculated based on several factors, including your vehicle model, location, type of policy, policy add-ons and more. There is no standard amount.

    For exa​​mple, Hyundai Xcent insurance prices and Creta insurance costs will differ from Santro car insurance and i10 insurance rates.

    You can use our r​​eliable car insurance premium calculator to estimate your insurance cost based on these factors.

  2. Should I purchase a third-party or comprehensive car insurance policy for my Hyundai car?

    This will depend on how you use your car and how often you plan on using it. Generally, a comprehensive plan is recommended for new cars s​​ince it offers all-around protection. However, if you're on a budget or if you live in a more low-risk city or region, third-party insurance may suffice.

    The best in​​surance for your Hyundai car is one that addresses your unique coverage needs.

  3. Which is the most cost-efficient insurance for a Hyundai car?

    If you are ​looking for a cost-efficient insurance plan for your Hyundai vehicle, you can invest in the Reliance Pay-As-You-Drive policy or a third-party Hyundai car insurance plan. Our Pay-As-You-Drive cover allows you to pay only for the kilometres driven by your car.​

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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).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.​

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