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Kia Carens Insurance

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Introduction to Kia Carens

Kia Carens is a versatile MPV that meets all your needs. Its distinct features, spacious interior and comfortable driving modes provide the best-in-class experience. An all-arounder car like the Kia Carens requires a comprehensive protection plan to keep it secure. With Kia Carens car insurance, you can ensure that your vehicle is safeguarded against any damage or perils, whether you are driving on-road or off-road.

How to Buy Kia Carens Car Insurance - Online & Offline?

Steps to Buy Kia Carens Car Insurance Online

Step 1: Visit Reliance General Insurance website and select "Car Insurance".

Step 2: Enter your Kia Carens registration details and contact information.

Step 3: Compare Kia Carens yearly insurance quotes and customise coverage.

Step 4: Select preferred add-ons and payment options.

Step 5: Pay securely online to receive instant policy documents via email.

Steps to Buy Kia Carens Car Insurance Offline

Step 1: Use the Branch Locator on the Reliance website to find the nearest office.

Step 2: Visit the branch with your Kia Carens documentation.

Step 3: Discuss coverage options with an insurance expert.

Step 4: Submit vehicle and personal documents.

Step 5: Complete payment to receive policy documents.

Steps for Kia Carens Insurance Renewal Online

  • Visit the Reliance General Insurance website for Kia Carens car insurance renewal in India.
  • Select the "Car Insurance" option under Renew.
  • Now, enter your mobile number and receive OTP.
  • Choose the required add-ons and review policy documents. Then, pay the Kia Carens insurance price to secure your vehicle.

Why Do You Need Kia Carens Car Insurance Online?

Compliance With Law

Buying Kia Carens car insurance is not just a choice but a compulsion. When you get car insurance, you are also following the law set under the Motor Vehicles Act 1988. In India, every vehicle owner must have at least third-party insurance and failure to comply with this law can lead to penalties or punishments.

Financial Protection

Driving a vehicle today involves risks that might lead to financial losses. However, if you buy Kia Carens, car insurance can provide coverage against financial risks and pay for any repairs or replacements caused by accidental damage.

Peace of Mind

When you have Kia Carens insurance, you have peace of mind that your vehicle is secured against damages, and you can get financial assistance in emergencies. Moreover, our additional services make the whole buying or claiming process seamless.

Features and Benefits of Reliance Car Insurance for Kia Carens

Hassle-Free Buying and Claiming Insurance

One of the best Reliance car insurance for Kia Carens benefits is an easy buying and claim filing procedure. You can visit our website or Reliance Self-i App and complete the processes without wasting time or effort.

IDV Customisation

Get your IDV insurance of Kia Carens customised as per its market value. We provide genuine IDV calculation results while keeping factors like vehicle age, engine capacity, make, and model in mind. This way, you can ensure your Kia Carens is adequately insured.

Personal Accident Cover

Our Kia Carens insurance also includes personal accident cover for owner and passenger accidental injuries. It covers up to ₹ 15 lakhs of medical expenses, disability or even death caused by accidents.

No-Claim Bonus

You can save a significant amount on your premium price by availing a discount for five claim-free years.

Third-Party Liabilities

Our Kia Carens insurance policy also provides third-party liability coverage, which can save you from financial and legal strain. In addition, our third-party insurance covers personal damage.

24/7 Customer Support

One notable benefits of Kia Carens car insurance with Reliance General Insurance is 24/7 customer support assistance. Our dedicated team of experts is available to assist you with any process or emergency.

Pay-As-You-Drive Insurance

It is a great feature for Caren drivers who drive occasionally, as this policy allows you to adjust the Kia Carens insurance price to suit your usability.

High Claim Settlement Ratio

We offer the best insurance for Kia Carens cars with a high claim-settlement ratio. It ensures swift and transparent claim settlement with the right documentation.

Wide Range of Add-Ons

You can enhance your Kia Carens insurance with over 10 add-ons, including consumable covers, NIL depreciation, engine protection cover and more.

Types of Kia Carens Car Insurance Plans

Kia Carens Third-Party Car Insurance

Kia Carens car insurance provides coverage against third-party liabilities and damages to persons and property, including death cover. However, it does not provide cover for damages to your own car.

Buy Third-Party Car Insurance

Kia Carens Own Damage Car Insurance

This insurance for Carens is curated specifically to cover damage to your car only. It protects from accidental damage, theft, riot, flood, or any other natural calamity. People who already have third-party insurance can opt for this policy to protect their vehicles.

Buy Own Damage Car Insurance

Kia Carens Comprehensive Car Insurance

It is an extensive and popular Kia Carens insurance policy that covers third-party liability, vehicle damage, and personal accident coverage for the owner. Moreover, you can customise it further with specific add-ons.

Buy Comprehensive Car Insurance

Kia Carens Pay-As-You-Drive Car Insurance

It is one of the best Kia Carens car insurance plans for occasional drives. The insurance allows you to pay the premium based on the distance driven by the vehicle, making it a cost-effective plan.

Buy Pay-As-You-Drive Car Insurance

Kia Carens Insurance Policy Inclusions and Exclusions

Kia Carens Insurance Coverage: Inclusions Kia Carens Insurance Coverage: Exclusions
Own vehicle damage due to fire, self-ignition, lightningUsing a vehicle outside its usage scope
Own vehicle damage due to burglary or theftDriving under the influence of drugs or alcohol
Accidental damages to own vehicleAccidental damage/loss outside the geographical area
Own vehicle damage due to natural disastersClaims arising from contractual liabilities
Own vehicle damage in transitDriving without a valid driving licence
Own vehicle damage due to terrorist activitiesDamages incurred due to nuclear weapons or war-like situations
Mandatory personal accident cover for injuries, death or disability of an owner Damages caused due to driver's negligence
Third-party property or person damage coverRegular wear and tear
Specific coverage with add-ons like consumables cover, RIM protection, etc. Consequential loss

Kia Carens Insurance Add-On Covers

Add-On Description
Pay-as-you-drive InsuranceThe pay-as-you-drive insurance add-on allows you to customise premiums based on your driving frequency.
Return-to-Invoice Reimburse your Kia Carens at the original invoice price in the event of total loss.
EMI Protection CoverIt covers up to 3 EMI loan payments in case Caren's repair takes more than 21 days.
24X7 Roadside AssistanceProvides roadside assistance for in-transit vehicle breakdowns.
Engine Protection Cover This add-on provides financial protection against expensive engine repairs.
NCB Retention Cover Retains your no-claim bonus even when you make a claim.
Total CoverThis helps you get full compensation for total or severe damage to Kia Carens.
NIL Depreciation CoverHelps you get the entire claim amount and covers full repair and replacement costs without deducting depreciation amount.
Consumables Cover It covers the cost of consumables, like oil, nuts, bolts, etc, during vehicle repairs.
Tyre Protection CoverThis add-on provides financial cover for tyre repair and replacement.
Key Replacement CoverIn case of stolen or lost keys, you will be reimbursed for the costs of replacement, and locks will be reimbursed (if applicable).
RIM ProtectionProvides RIM repair or replacement costs for your Kia Carens.
Daily Allowance BenefitIt covers the cost of using alternate transportation modes while your car is being repaired.
Geo ExtensionGet coverage in a foreign country and extend your Kia Carens insurance policy coverage.
Loss of Personal Belongings This add-on covers the cost of lost personal belongings due to theft or other incidents.
Emergency Hotel AccommodationIt covers the cost of emergency accommodation if you are stranded due to a vehicle breakdown.
Electrical Accessories It is insurance for Carens' electrical accessories against theft or damage.
Non-Electrical AccessoriesInsurance of Kia Carens non-electrical accessories against theft or damage.

Kia Carens Car Insurance Claim Process

Steps for Kia Carens Insurance Claim: Cashless Repairs

  • Make sure you are okay and connect with our 24/7 assistance team. You can contact us immediately after the incident on our Reliance Self i-app, toll-free number, or website.
  • Visit our network garage, where our expert surveyor will inspect your vehicle for damages and claim processing.
  • Once your Kia Carens car insurance claim is approved, the damaged parts will be replaced with genuine ones.
  • Finally, after all the repairs have been completed, we will settle the bill directly with the garage.

Steps to Claim Kia Carens Insurance Policy: Reimbursement Claims

  • First, file your Kia Carens car insurance claim within 24 hours of the incident.
  • Collect all the evidence, such as photos, videos, FIR copies, etc. and document it correctly before taking it to a garage.
  • Once your vehicle gets repaired, get all the original bills and receipts from the garage.
  • Please submit the claim form along with all the documents for verification. Once it is completed, your reimbursement will be released.

Documents for Kia Carens Insurance Claim

To initiate the Kia Carens car insurance claim procedure, you need to submit the following documents.

  1. Duly filled and signed claim form to start the claim process.
  2. FIR for incidents involving third-party liability or theft.
  3. A copy of the driver's licence validating the driver's driving skills.
  4. Forms 28,29 and 30, as appliable
  5. Vehicle's registration certificate as ownership proof.
  6. Original bills and receipts from the garage for reimbursement claim.
  7. Police number and certificate authenticating your insurance coverage.
  8. Any other document that might be required as per the nature of the insurance for Kia Carens' claim.

Kia Carens Car Insurance Claims: Cashless vs Reimbursement

Parameters Kia Carens Cashless Insurance Kia Carens Insurance Reimbursement
DefinitionCashless car insurance for Kia Carens can get you damage repair services at the garage without any upfront payment.In reimbursement insurance, you need to make repair payments first. Then, you can avail of reimbursement by submitting all the documents and invoices.
ProcedureVisit a network garage to get cashless repair services for your Kia Carens. After inspection, repairs will be made, and we will clear payments.For reimbursement claims, you can visit any preferred garage and pay the bill for repairs. Then, submit all the invoices and documents to us for reimbursement.
ConvenienceKia Carens' cashless insurance offers great convenience by eliminating any financial strain on you.Reimbursement insurance offers garage choosing flexibility but is less convenient.
DocumentationFewer document requirements simplify the cashless insurance process.Reimbursement insurance requires detailed documentation.

Kia Carens Car Insurance Premium

Coverage Requirements

The coverage type selected is the primary factor affecting the Kia Carens insurance policy price. The final policy amount will depend on whether you choose third-party insurance or comprehensive insurance with add-ons.

Car Specifications

The car variant, engine capacity, and fuel type also determine the premium price for Kia Caren's insurance. These factors help determine the risk associated with and coverage requirement for the vehicle.

Geographical Location

The geographical location where the vehicle is driven also affects the Kia Carens car insurance price. The terrain of the area and whether conditions impact vehicle and driving quality are considered when determining the premium.

Insured Declared Value of Vehicle

IDV value of your car is an important factor in determining the policy premium, as it represents the vehicle's market value. The higher your IDV is, the better coverage, but the price of car insurance for Kia Carens increases.

How to Calculate Kia Carens Car Insurance Premium?

Calculating your Kia Caren insurance premium is crucial before buying a policy to estimate the total cost you might need to bear. We provide an online calculator for easy and accurate calculation; follow these steps to use the calculator.

  • Visit our car premium calculator page.
  • Next, please provide the requested information, such as your car registration number, phone number, and email address.
  • Enter your phone number to receive an OTP, enter it and click on "Submit".
  • The calculator will calculate the Kia Carens insurance cost based on your chosen option.

How to Buy Second-Hand Kia Carens Car Insurance?

  • The first step is to schedule an appointment with an insurance agent for an inspection of your car to determine its engine health, age, and damage. This will help calculate the premium price and estimate the coverage amount required.
  • Now, collect all the required documents, such as the RC transfer certificate, Forms 29 and 30, and your identification proof.
  • You can now choose from our Kia Carens car insurance options. We will then calculate the premium price based on the vehicle's condition.
  • Finally, once you have submitted all the required documents, they will be verified. Follow the insurance buying procedure, and you will be insured instantly by paying the Kia Caren issuance price.

Kia Carens Third-Party Insurance Price

Kia Carens Insurance Cost for Private Cars

Engine Capacity Premium for One Year (in ₹)
Up to 1000 cc ₹2,094
Above 1000 cc up to 1500 cc ₹3,416
Above 1500 cc ₹7,897

Kia Carens Insurance Cost for Electric Cars

Battery Premium for One Year (in ₹)
Up to 30 kW ₹1,780
Above 30 kW up to 65 kW ₹2,904
Above 65 kW ₹6,712

Kia Carens - Overview and USPs

Perfect Performance

Kia Carens delivers excellent performance and a comfortable driving experience. Its engine produces a maximum power of 114.41 bhp at 4000 rpm and a torque of 250 Nm, offering responsive acceleration and powerful pulling power.

Safety Assurance

With safety features like an anti-lock braking system, central locking system, six airbags and seat-belt warning, Caren's car variants provide comprehensive security while driving.

Well-Equipped Interior

The interior of Kia Carens comes with features such as a tachometer, digital clock, and electronic multi-trip meter that help the river drive with ease. Moreover, the leather seats with adjustable options make the ride comfortable and add luxury.

Fuel Efficient

Kia Carens is a fuel-efficient vehicle that helps drivers save fuel costs and reduces carbon footprint per vehicle. The different variants of Carens offer mileage capacity between 16 to 21 kmpl.

Smart Pricing

Kia Carens cars are offered at smart pricing that is affordable and justifiable for the features provided. Thus, they are a highly sought-after vehicle for MPV lovers.

Kia Carens - Models and Prices

Kia Carens Models Price (Ex-Showroom*)
Kia Carens Premium
Manual | Petrol
₹ 10.60 Lakh
Kia Carens Premium Opt
Manual | Petrol
₹ 11.25 Lakh
Kia Carens Premium iMT
Manual | Petrol
₹ 12.60 Lakh
Kia Carens Prestige Opt 6STR
Manual | Petrol
₹ 12 Lakh
Kia Carens Gravity
Manual | Petrol
₹ 12.20 Lakh
Kia Carens Luxury Plus Diesel
Manual | Diesel
₹ 19 Lakh
Kia Carens X-line DCT
Automatic | Petrol
₹ 19.70 Lakh

Kai Models for Which Reliance General Insurance Offers Coverage (Model Names)

Frequently Asked Questions

What category is the Kia Carens?

Kia Carens is a compact MPV (Multi-Purpose Vehicle) with a 5-door wagon body style and front-engine, front-wheel drive.

What does Kia Carens insurance cover?

Kia Caren's insurance covers damage to the vehicle, theft coverage, personal accident coverage, and third-party liability coverage.

What factors affect Kia Caren's insurance premiums?

Some of the factors that affect the premium price of a Kia Carens include the age of the vehicle, type of fuel used, location of the vehicle purchased, IDV value, engine capacity, etc.

Is Kia a high-quality car?

Yes, the Kia car is a quality vehicle. It has consistently gained a positive ranking for dependability. , and some have even considered it better than various high-end luxurious vehicles.

Is Kia Caren's insurance mandatory in India?

Yes, buying a car insurance policy for Kia Carens is mandatory. Under the Motor Vehicles Act, you must have at least third-party liability insurance for any vehicle you buy.

How much does Kia Carens insurance cost?

The cost of Kia Carens car insurance can vary depending on various factors, such as insurance type, car model, add-ons selected, and IDV value.

Disclaimers:

*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.

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.

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).

Comprehensive Car Insurance/Car Insurance UIN: 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.

Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)

Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) - 3 years, UIN: IRDAN103RP0003V01201819.

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