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Hyundai Santro Car Insurance


When you set out to buy your first car, you may be inclined to choose a smaller, economical one – a Hyundai Santro, for instance. You visit the Hyundai dealership and​ the seller offers car insurance as part of a bundle pack. But, as a smart buyer, you must choose a policy that fulfils your specific needs.

As a Hyundai car owner, you should consider a plan that covers your varied insurance needs. A good insurance plan covers you against third-party liabilities, own vehicle damages and losses, and also comes with customisation features. Here's all you need to know about Hyundai Santro car insurance.

Hyundai Santro – Variants and Insurance Costs

Launched in 2007, the Hyundai Santro has gone through various modifications and upgrades over the years to accommodate the users' changing needs. Today, the car is available in various petrol/diesel, and manual/automatic models, like the Santro Xing GLS, Santro Xing GL and the Santro Xing GL Plus.​

Hyundai Santro – Car Insurance Costs

The insurance cost for your Hyundai Santro firstly depends on the make and model of your car – whether it runs on petrol or diesel, and whether it is a manual or automatic transmission car. Additionally, your premium amount also depends on the type of car insurance plan you choose.

Another vital factor impacting the insurance premiums is the Insured Declared Value (IDV) of the car. A higher IDV translates to higher premiums and compensation at the time of claim filing, and vice versa. Your vehicle's city of registration and your personal driving record also impacts insurance rates

Types Of Hyundai Santro Insurance Offered By Reliance General Insurance

At Reliance General Insurance, we offer three types of car insurance plans

1.​Third-party Car Insurance

Indian law has made it compulsory for all vehicle owners to at least have third-party liability insurance. This safeguards your legal and financial liabilities if your car causes an accident leading to third-party vehicle/property damage, or if it causes bodily injuries, disabilities, or demise of third-parties.

2.Own Damage Car insurance

An own damage car insurance policy protects your car from losses or damages. For instance, if your car is damaged in floods, storms, earthquakes, cyclones, etc., the insurer compensates you for the losses. Similarly, if your car is stolen or destroyed due to riots, strikes, terror acts, etc., you are covered.

3.​Comprehensive Car insurance

A comprehensive car insurance policy is ideal as it combines the features and coverage benefits of both, third-party liability insurance and own damage insurance. It is a wholesome, all-encompassing insurance plan, which you can customise to your liking by adding a range of additional riders.

Buying and Renewing Your Hyundai Santro Car Insurance Online From RGI

Following are the steps to buy Hyundai Santrocar insurance online:

  • ​Visit The Reliance General Insurance website and click on the car insurance menu on the home page.
  • Enter your personal details like name, mobile number, email ID, driving licence number and vehicle details like the registration number, the make and model of the car, etc.
  • Select your preferred insurance policy from third party, own damage and comprehensive insurance plans to get a quote for the Santro insurance price.
  • Upload scanned copies of the requested documents such as your vehicle registration certificate, driving license, etc.
  • Pay the applicable premium online through your preferred online payment method – netbanking, debit/credit card, UPI, etc.

Upon successful payment, RGI mails you a soft copy of the policy documents on your registered email.

Inclusions And Exclusions Under the RGI Hyundai Santro Insurance

What's covered:

  • ​​​​All third party liabilities including vehicle/property damages, injuries, disabilities, death, etc.
  • Legal and financial liabilities associated with the accident, up to the sum insured amount.
  • Coverage against damages caused by natural calamities or human-made incidents.
  • Cost of repairing the damages, including towing the vehicle to a nearby cashless garage.
  • Expenses for damages caused due to explosions, fire, or self-ignition.
  • Damages endured by your vehicle while transporting it to another location via air, road, or rail.

What's not covered

  • ​Driving a vehicle without a valid driver's licence and filing a claim.
  • Costs associated with the day-to-day use of the car leading to its wear and tear.
  • Driving a vehicle under the influence of intoxicating substances like alcohol or drugs.
  • Violating policy terms, e.g. damages from using your private car for commercial gains.
  • Driving the car without renewing your insurance policy or driving with an expired policy.
  • Human-made incidents like war, invasion, nuclear explosions, biochemical attacks, etc.

Disclaimer: The scope of coverage you are entitled to differs from policy to policy. Third-party and own-damage polices offer limited coverage compared to comprehensive auto insurance policies.

Benefits Of Buying Santro Insurance Online from Reliance General Insurance 

  • You can compare various insurance plans and choose one fitting your budget and needs.
  • You can buy and renew your policy digitally, and raise claims and submit documents online.
  • You can submit videos on the Reliance self-I app while filing claims and renewing policies.
  • You can enjoy hassle-free claim settlement with our high claim settlement ratio.
  • You can leverage benefits like cashless repairs and reduce your out-of-pocket expenses.
  • You can make payments upfront and file reimbursement claims, which are settled rapidly.


How to file a claim if my Hyundai Santro is damaged or stolen?

You can file an insurance claim by opting for reimbursement claim or by taking your car to a cashless network garage. If you choose the former, you must pay your bills upfront and submit them for reimbursement. If you choose a cashless claim, we will clear the bills directly with the garage mechanic.

What documents are required at the time of filing claims?

The documents you need to provide at the time of filing an insurance claim include a First Information Report (FIR) in case of theft or damages, a copy of your insurance policy and driver's license, the original bills/invoices associated with vehicle repair, and other documents listed in the claim form.

What is Insured Declared Value (IDV) of a vehicle?

IDV of a vehicle indicates its total market value, after factoring depreciation. While buying car insurance, you can choose the IDV. A higher IDV translates to a higher premium, and higher compensation while settling claims, whereas a lower IDV results in lower premium and compensation.

How can I enhance my car insurance coverage?

You can enhance your car insurance coverage by adding various additional riders. At Reliance General Insurance, we offer up to 20 types of riders. The most popular ones include zero-depreciation cover, emergency roadside assistance cover, no claims bonus retention cover, personal accident cover, etc.

What is no claims bonus in car insurance?

No claims bonus is a reward your insurer gives you for not filing insurance claims. The reward is typically offered as a discount on your insurance premium, ranging from 20% to 50%. So, if you do not file any claim for five consecutive years, you can get a 50% discount on your insurance premiums.

Did you know that you can buy and renew all types of insurance plans online on the Reliance General Insurance website? We offer a myriad of automobile, health and travel insurance plans.​