Honda City Car Insurance

The new Honda City is a classic in every aspect. The sedan’s intuitive technology combined with the exciting design and thoughtful interiors make it a favourite among the Indian consumers. Honda City comes with great power and upgraded safety features that are perfect for cruising across the Indian terrain.

Insurance Providers for Honda City

When buying the Honda City, it is very important that you avail a good car insurance too. There are a number of insurers providing good insurance coverage, listed below are a few among them:

• Bharti AXA General Insurance Co. Ltd.
• Royal Sundaram General Insurance Co. Ltd.
• ICICI Lombard General Insurance Co. Ltd.
• Reliance General Insurance Co. Ltd.
• Bajaj Allianz General Insurance Co. Ltd.

It is wise to compare various car insurance policies available before making a decision.

Price Range of Honda City

Fuel Type	Variants of Honda City	*Ex-Showroom price for Bengaluru
Petrol	S MT PETROL	Rs.8,77,639
	SV MT PETROL	Rs.9,81,664
	V MT PETROL	Rs.9,99,900
	V CVT PETROL	Rs.11,79,810
	VX MT PETROL	Rs.11,96,651
	VX CVT PETROL	Rs.13,15,542
	ZX CVT PETROL	Rs.13,82,911
Diesel	SVMT DIESEL	Rs.11,06,711
	VMT DIESEL	Rs.11,87,950
	VXMT DIESEL	Rs.13,18,728
	ZX MT DIESEL	Rs.13,88,078

*Please note that the above prices are exclusively for Bangalore, the prices will change with the geographical location.

Mileage of Honda City

The company claimed mileage for Honda City is 17.4 kmpl for petrol variants and 25.6 kmpl for diesel variants.

Engine Specifications of Honda City

Engine Type	Water Cooled 4 Stroke SOHC i-VTEC Inline 4 Cylinder	Water Cooled 4 cycle DOHC i-DTEC Inline 4 Cylinder
Displacement (cm3)	1497	1498
No. of Valves	16	16
Power (kW [ps] @ rpm)	87.7 [119]@6600	73 [100]@3600
Torque (Nm @ rpm)	145@4600	200@1750
Fuel Efficiency (km/I)	17.4 (MT), 18.0 (CVT)	25.6 (SV, V), 25.1 (VX, ZX)

Inclusions and Exclusion of Honda City Car Insurance

• Inclusions:
  • Third-party Insurance:
    • Third-party liabilities towards injuries
    • Third-party liabilities towards damage to external property or vehicle
  • Comprehensive Insurance:
    • Liabilities towards own injury and/or own vehicle damage
    • Third-party liabilities from external property damage
    • Third-party liabilities from vehicle damage
    • Third-party liabilities from injuries
• Exclusions:
  • Third-party Insurance:
    • Own injury due to an accident
    • Own vehicle damage due to an accident
  • Permanent Exclusions:

Your claim will be denied under the following circumstances:

• If your car insurance policy expires
• If you use a commercial vehicle for private reasons and vice-versa
• If you stage accidents
• If you drive without a valid license or break the traffic rules
• If you were driving under the influence of alcohol when the accident took place
• For regular wear and tear of your car

Factors that affect Honda City Car Insurance Premium

There are a number of key factors that influence your car insurance premium such as:

• Your geographical area
• Your driving experience and driving record
• Your car’s age
• Your car’s Insured Declared Value (IDV)
• Purpose of your vehicle - private or commercial
• Model and make of your car
• Details of your previous car insurance policy

Easy Steps To Apply for Honda City Car Insurance

You can buy the insurance for your Honda City either online or offline, based on your insurance needs:

• Offline:

Acquiring a car insurance offline is often strenuous. You need to visit the offices of various insurers/meet with insurance agents to collect valid information on the different insurance policies that exist and then use the collated information to compare and choose the one that suits your insurance requirements the most. Once you have finalised on an insurance policy, you need to visit the respective insurance office/meet with the insurance agent to make the purchase.

• Online:

You can easily purchase car insurances via insurer/third-party websites and apps. You can compare insurance policies on the same online platform and choose one that satisfies your insurance needs.

Add-on covers for Honda City Car Insurance

Car insurers provide a number of add-on covers that increase your overall insurance coverage. Here are a few add-ons that are popular among car owners in India:

• Roadside assistance 24X7
• No Claim Bonus (NCB) protect
• Return to Invoice cover
• Zero depreciation cover
• Engine Protect cover

Trim your Honda City Car Insurance Premium

Here are a few ways to trim your car insurance premium :

• Accumulate No Claim Bonuses (NCB)
• Apply for loyalty discount
• Opt for high voluntary deductibles
• Install safety and navigation devices in your car
• Become a member of Automobile Association of India (AAI)
• Renew the insurance policy on time

Insured Declared Value for Honda City Car Insurance:

Insured Declared Value (IDV) is the market value of your Honda City at any given point of time. IDV depends on the age of your car, geographical location, vehicle use, car accessories, etc. The higher the IDV, higher will be your car insurance premium.

Claim Process for Honda City Car Insurance

Raising an insurance claim involves the following steps:

1. As soon as the accident happens, contact the insurer and raise a claim request
2. Inform the nearest police station about the accident and file a FIR report
3. Provide all the required information and documents that support your claim

You can opt for either cashless or reimbursement claim.

• Cashless Claim Process

The insurers have a list of authorised garages where you can get your car repaired, without having to pay the garage for their service. These garages are called cashless garages. Once your car is repaired, the insurer will settle the bills directly with the garage.

• Reimbursement Claim Process

In case you are unable to locate a cashless garage nearby, you can inform the insurer and raise a reimbursement claim instead. Under this claim, you can take your car to a nearby garage and get it repaired. Post all the repair work is done, you have to pay the garage for their service. Collect the invoice for the repairs done from the garage and submit it to the insurer. The insurer will reimburse the amount you spent to get your car fixed.

Honda City Car Insurance FAQs

1. What does third-party mean?

   Third-party refers to either people who aren’t your family or property that isn’t your own.

2. What is break-in-insurance?

   When you fail to renew your insurance policy on time, your insurance lapses, this is known as a break-in-insurance.

3. What is compulsory deductible under Car Insurance?

   A compulsory deductible is a small part of the claim you need to pay before the insurer settles the remaining claim amount.

4. I plan to add an LPG/CNG kit in my car. Will it be covered by the Insurance?

   Yes, insurance will cover the LPG/CNG kit provided you have a comprehensive insurance cover.

5. When is an endorsement required?

   An endorsement is a written letter that you submit to the insurer in order to make certain changes like personal details, vehicle information, etc. to the policy.