Kia Carens Car Insurance

Buy car insurance policy for your Kia Carens online. Explore Kia Carens insurance plans, coverage details, and steps to buy online.
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Buy/Renew Kia Carens Car Insurance
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3 min
24-April-2024

The Kia Carens, a modern and versatile family MPV, combines comfort, style, and safety, making it a favorite among families. Securing your Kia Carens with reliable car insurance is vital to protect against potential risks such as accidents, theft, natural disasters, and third-party liabilities while on the road.

Kia Carens Models and Insurance Price

For an estimated third-party premium cost on your Kia Carens insurance, please refer to the provided table. Premiums will vary depending on the specific model and variant. The own damage insurance premium depends on factors such as engine size, make, model, fuel type, RTO location, claim history, and additional factors.

Kia Carens Variant

Third-Party Premium Rates (FY 23-24)

 

Carens Premium

Rs. 3,416*

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Carens Prestige

Rs. 3,416*

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Carens Premium iMT

Rs. 3,416*

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Carens Premium Diesel iMT

Rs. 3,416*

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Carens Prestige iMT

Rs. 3,416*

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Carens Prestige Diesel iMT

Rs. 3,416*

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Carens Prestige Plus iMT

Rs. 3,416*

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Carens Prestige Plus Diesel iMT

Rs. 3,416*

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Carens Prestige Plus DTC

Rs. 3,416*

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Carens Luxury iMT

Rs. 3,416*

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Carens Luxury Diesel iMT

Rs. 3,416*

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Carens Luxury Opt DCT

Rs. 3,416*

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Carens Luxury Plus iMT 6 STR

Rs. 3,416*

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Carens Luxury Opt Diesel AT

Rs. 3,416*

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Carens Luxury Plus Diesel iMT 6 STR

Rs. 3,416*

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Carens Luxury Plus Diesel AT

Rs. 3,416*

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Carens Luxury Plus Diesel AT 6 STR

Rs. 3,416*

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Carens X-Line Diesel AT 6 STR

Rs. 3,416*

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Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key Inclusions of Car Insurance

Key inclusions of Kia Carens car insurance policies include:

  • Accidents: Coverage for any damages to your Kia Carens resulting from unforeseen accidents.
  • Theft: Extensive theft coverage up to the insured declared value listed in the policy.
  • Natural and man-made calamities: Safeguards against both natural disasters such as floods and earthquakes, and man-made incidents like riots or vandalism.
  • Personal accident: Provides up to Rs. 15 lakh for the owner-driver in the event of death or disability caused by an accident.
  • Third-party liabilities: Protection against injuries or damages to third parties caused by your Kia Carens.

Key Exclusions of Car Insurance

Common exclusions of car insurance include:

  • Normal wear and tear, and vehicle depreciation
  • Damage resulting from mechanical or electrical breakdown
  • Incidents occurring while driving under the influence of drugs or alcohol
  • Driving without a valid driving license
  • Damages incurred outside the specified geographical limits of the policy

Car Insurance add-ons you can consider

Consider these essential add-ons for your Kia Carens insurance to maximize protection and benefits:

  • Zero Depreciation Cover: Guarantees complete claim settlement without factoring in depreciation, ensuring full reimbursement during claims.
  • Engine Protection Cover: Offers coverage for repairs or replacement of the engine due to damage from accidents or water ingress.
  • Roadside Assistance: Provides support during emergencies, such as breakdowns or tire problems, ensuring help is just a call away.
  • Return to Invoice: Ensures the full invoice value of your Kia Carens is reimbursed in the event of a total loss or theft.
  • Personal Accident Cover: Extends insurance coverage to passengers, providing crucial financial protection in case of accidents.
  • No-Claim Bonus Protection: Preserves your no-claim bonus, allowing you to keep your discount even after filing a claim.
  • Consumables Cover: Addresses the costs of consumables like engine oil, nuts, and bolts needed during repairs.
  • Key Replacement Cover: Covers the expense of replacing lost or stolen car keys, including the associated locksmith fees.
  • Daily Allowance Benefit: Compensates with a daily allowance while your Kia Carens undergoes repairs, helping cover alternative transportation costs.

How to buy/renew Kia Carens car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Kia Carens. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

Step 4

Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Kia Carens with a car insurance policy.

Car insurance claim process

Cashless claims:

A cashless car insurance process facilitates repairs for your Kia Carens at a network garage without upfront payments. Here's how:

  • Notify your insurer immediately about the incident via phone, their website, or a mobile app.
  • Provide detailed information to the authorities, especially for accidents, theft, or fire incidents, and file a First Information Report (FIR) if necessary.
  • Capture photos of the damage to your Kia Carens and any injuries sustained soon after the incident as evidence for your claim.
  • Take your Kia Carens to the nearest network garage authorized by your insurer for repairs. If your vehicle is immobilized, request towing assistance from your insurer.
  • At the garage, an insurance surveyor will assess the damage. Ensure you have all necessary documents like your Kia Carens' registration certificate, your driving license, and the FIR for inspection.
  • The surveyor will evaluate the claim amount and prepare a report for your insurer. Your insurance company will review the findings and either approve or deny the claim based on the surveyor's report.
  • Upon approval, the network garage will proceed with the repairs, and once completed, your insurer will settle the bills directly with the garage.

Reimbursement Claim Process

In the reimbursement claim process, you initially cover the repair expenses and later seek reimbursement from your insurance provider. Follow this guide for the reimbursement car insurance claim process for your Kia Carens:

  • Notify your insurer immediately after the incident and register your claim.
  • Choose a workshop or garage of your preference for the necessary repairs on your Kia Carens.
  • An insurance surveyor designated by your insurer will assess the damages at the chosen garage.
  • The surveyor will compile and submit a comprehensive claim report to your insurance company.
  • Once the garage completes the repairs on your Kia Carens and issues you the bill, you are responsible for payment.
  • Submit the original repair bills along with a fully completed claim form to your insurer.

Your insurance company will then assess the submitted bills and claim form and reimburse you for the repair costs according to your policy terms.

 

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy

Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Frequently asked questions

What factors affect the Kia Carens car insurance premium amount?

The insurance premium for your Kia Carens car is influenced by various factors, including age of the car, cubic capacity, fuel type, IDV, RTO location, claim history, and more.

How can I reduce my Kia Carens insurance premium?

To reduce your Kia Carens insurance premium, you can take the following steps:

  • Choose higher deductibles
  • Equip your car with safety features
  • Maintain a clean driving record
  • Take advantage of the no claim bonus offered by insurers and compare quotes from different providers.

Will the insurer inspect my Kia Carens car before renewal?

Whether your insurer conducts an inspection before renewal depends on their policies, your claim history, and the age of your car. While some may require an inspection, others offer hassle-free renewals.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.