Kia Car Insurance
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Kia Car Insurance Price & Policy Renewal Online
Kia Corporation is a South Korean multinational automobile manufacturer and South Korea's second-largest manufacturer with a sales figure of over 2.8 million as of 2019. In July 2019, the company entered the Indian commuter market by launching a global midsize SUV, Kia Seltos, that works on the 'Made for India' SUV-SP2 concept.
Additionally, this manufacturing company left a remarkable reputation in India by selling more than 100,000 cars as of July 2020, becoming the fastest manufacturer to reach this sales figure.
The Indian subsidiary was founded in 2017 and can manufacture 300,000 vehicles annually.
Some of the Kia car models available in India include Seltos, Sonet, Carens, and Carnival. The domestic sales of these cars as of 2021 stood at around 182,655.
Although these cars feature advanced specifications, they are susceptible to risks and damages from unfortunate incidents. Considering this, one should obtain Kia car insurance while purchasing a new model.
Valid car insurance for Kia models protects a car owner from financial losses that may arise from hefty damage repair costs. Further, an individual can avoid legal and third-party liabilities by purchasing a well-rounded insurance plan.
Without proper insurance for Kia cars, a car owner is liable to pay traffic penalties as per the Motor Vehicles Act, 1988. These fines can further increase his or her financial burden. Thus, it is practical to obtain Kia car insurance from reputed insurers and save funds for future purposes.
Several insurance companies offer attractive deals on car insurance policies such as competitive Kia car insurance prices, discounts on policy premiums and more. However, Digit insurance stands out in this aspect thanks to its smartphone-enabled services and customer-friendly processes.
Therefore, individuals looking for Kia car insurance online can consider Digit and enjoy its endless list of benefits.
Why Should You Buy Digit's Kia Car Insurance?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Digit's Car Insurance Policy
What’s Covered in Kia Car Insurance by Digit?
Accidents
Common damages to your own Kia car like accidents & collisions
Theft
If unfortunately your Kia car gets stolen
Fire
Common damages due to Fire
Natural Disasters
Damages due to any natural calamities
Personal Accident
If there is a car accident and unfortunately it leads to death or disability of the owner
Third Party Losses
Damage your car causes to someone else's car or any other property
Add-ons for Kia Car Insurance
Following are the Add-ons for Kia Car Insurance:
What’s not Covered in Kia Car Insurance by Digit?
It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Car Insurance Plans for Kia Cars
Third Party
A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive
A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Own Damage
The Own Damage Car Insurance covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
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✔
|
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Damages/Losses to own car in case of fire |
×
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✔
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✔
|
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Damages/Losses to own car in case of a natural calamity |
×
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✔
|
✔
|
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Damages to Third-Party Vehicle |
✔
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✔
|
×
|
|
Damages to Third-Party Property |
✔
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✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
How to Buy Kia Car Insurance with Digit?
Switch to Digit
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
More about Kia Cars in India
The South Korean auto carmakers entered the Indian auto market with a bang. Even before its launch in July 2019, the brand received a whopping demand of 6000 plus cars. The idea of the manufacturer was to introduce the SUV-SP 2 concept. The company has established its production facility on Greenfield land in Anantapur district, Andhra Pradesh near Penukonda.
The all-new Kia Seltos marked its debut in the Indian territory with two trim lines-Tech Line and GT Line. Both models are mated to manual as well as automatic transmission. There are nearly 16 variants in both diesel and petrol fuel type. It gives you a broad spectrum of cars to choose from.
Sales of Kia Seltos has been dominating in the midsize-SUV segment in the year 2019. The Korean brand recently won the “SUV/MPV of the Year Award” in the most popular Tech and Auto Awards 2019.
Kia Seltos is now announced as the global midsize SUV. Priced fairly decent at just Rs.9.69 lakhs and a maximum of Rs.16 lakhs, the car has stolen the hearts of many. When the brand and the car are earning so much praise, there must be some valid reasons to consider before buying it.
If you are thinking of buying a Kia, decide to buy car insurance as well. Car insurance is to prevent your sudden expenses that may arise due to an accident or any other mishap. And more than that, it is now a mandatory document to carry while driving.
Top Reasons to Buy Kia Car?
- Connectivity and Modern Features: The midsize SUV comes with a tray of connectivity features. You get Bluetooth capability, audio entertainment system, steering mounted audio controls, automatic headlamps, rain-sensing wipers, electrically adjustable ORVMs, to name a few.
- Affordability: Kia’s car is not priced high in comparison to its competitors. The SUV is affordable considering the features it offers.
- Exteriors that Steal the Attention: The LED headlamps and tail-lamps, 17-inch diamond-cut alloy wheels, the nose-grille are some parts that capture attention.
- Spacious and Premium Interiors: Kia Seltos offers increased cabin and luggage space. Interiors are of high-quality with leather upholstery in the higher models. Other than the seats, the gear-knobs and steering wheels also feature leather.
- Safety Features for Life: Kia Seltos is equipped with an innovative active safety system. It consists of six air-bags and seat-belt tensioners. This SUV is also empowered with Vehicle Stability Management, Electronic Stability Control, ABS, Hill-Start Assist Control, and ISO-Fix child seat anchor.
Why Should You Purchase or Renew Your Kia Car Insurance Policy?
They say, “Prevention is better than cure.” Similarly, car insurance is important for the reasons you cannot think of in general. Car Insurance for Kia will:
- Save You from Penalty/Punishment: It is mandatory to have car insurance while driving. If you fail to do so, then as per the MV Act, you will be liable to pay for the penalty of Rs.2000/-.
- Help You to Recover Own Damage Expenses: Owning car insurance comes into play after your car gets damaged. The cost of repairs can be recovered from your insurance company. The damage may arise due to accident, fire, theft, and/or natural calamity like a flood.
- Help You to Pay for Third-Party Liability: When you hurt a person or a third party’s property from your Kia, you are responsible to pay for his/her losses. Owning a car insurance policy will be a saviour. It will help you pay for such huge liabilities.
- Allow You to Buy Extra Protection through Add-ons: If you own a Comprehensive Car Insurance, then you can choose to buy some add-ons that will enhance the scope of coverage under the insurance policy. Keep in mind that non-accidental damages like damage to the transmission due to striking objects on the road, engine failure due to water ingression, etc are not covered under the basic comprehensive policy.
Factors that Affect the Premium of Kia Car Insurance
- Geographical Location: Car Insurance Premium is lesser when the probability of accidents is low. Hence if you live in a city where the traffic and the number of vehicles are low, then the premium will be less. Insurance premiums are affected by the Zones of the country where the car is being used.
- No Claim Bonus: For every claim-free year, the insurance company benefits you with a bonus at the time of renewal. It reduces the premium in the proportion of the bonus percentage.
- Age of the Vehicle: As the Kia grows old, the market value and hence the IDV of the car will decrease. The depreciation cost on the vehicle meanwhile will increase. Due to both these factors the premium amount may decrease.
- Add-On Covers: Increasing the scope of coverage with the add-ons comes with an additional payment. It impacts the premium directly.
- Type of Insurance Policy: Choosing a Comprehensive Package Policy will be costlier but for better coverage. Under package policy, you get protection for Own Damage and Third-Party Liability. A standalone third-party liability policy will be comparatively cheaper.
- Voluntary Deductible: If you are confident enough of your driving skills and think that you will not be subjected to claim often, then you can choose a higher voluntary deductible. With this option chosen, you will have to pay the decided part in the claim amount in case of an actual claim. Higher voluntary deductible will reduce the premium.
- Engine Capacity: Car Insurance Premium is affected by the Engine Capacity of the Car to some extent. Third-Party component of the premium is dependent on the cubic capacity. Higher the Engine Capacity, higher will be the premium.
Why Should You Opt for Digit’s Kia Insurance Policy?
You as a customer will always be tempted to know and buy the latest product in the market. When it is about insurance, online is the most happening way. There are many insurance companies offering car insurance. You can choose Digit Insurance for:
- Online Convenient Procedure: Digit has simplified both procedures of buying car insurance and filing claims. They allow you to choose the policy of your interest and upload the claim documents using your smartphone.
- Choice of Insurance Policy: You can buy either a Comprehensive Policy or a Third-Party Liability Policy at your free will. The complete set of information is available at your disposal. Your decision is solely your responsibility.
- Customizable IDV: As a customer, you can choose from the options of IDV. For lesser IDV you pick, the premium will reduce.
- Options of Add-On Covers: Digit Insurance offers you to choose from various add-on covers. For Kia, you can think of buying add-ons like Return-to-Invoice Cover which will help you in case of theft and total loss of the vehicle. It will benefit you with the complete amount of your car’s invoice value. You should also buy Zero-Depreciation Cover for Kia to nullify the depreciation charged on your car. You will get the full value after replacement and repair without any deductions. Other than this, you can also pick Consumable Cover, Tyre Protect Cover, Engine and Gearbox Protection, and Passenger Cover.
- No Hidden Costs: As you browse through the website of Digit Insurance, everything is clear and indicated precisely. You pay for what you choose and get covered for what you pay.
- Flawless Services: With Digit Insurance, you can get super-fast claims, cashless repairs and doorstep pick-up. Digit Insurance empowers you with smartphone-enabled self-inspection based claim process.
How Can You Reduce Your Kia Car Insurance Premium?
Looking to reduce the premium paid towards your Kia’s insurance?
Following are a few ways to do so!
Choose a Higher Deductible: With your Kia insurance, you will be required to pay a compulsory deductible as per IRADAI directives. Alongside this, you can choose to pay voluntary deductibles during a claim, by virtue of which you can reduce the premium paid towards the policy.
Avoid Making Small Claims: If you make claims for small damages, you miss your NCB in car insurance and consequently do not enjoy any discounts on your premium. Therefore, if your car’s repair is not costing you much, it is better to avoid making claims.
Compare Premiums: Make sure you conduct proper research and choose the most affordable policy in the market. In this respect, Digit’s Kia insurance policy (starting at Rs.2702) is cost-effective and offers maximum benefits.
These are, thus, a few ways through which you can lower the premium for your Kia insurance purchase or renewal.
However, make sure you do not compromise on your policy benefits while seeking lower premiums payable!
Happy driving!
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