• Hyundai Creta Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Hyundai Creta, tagged as ‘The Perfect SUV’ is a high-on-demand product from the house of Hyundai Motor India Limited (HMIL). HMIL is the second largest vehicle manufacturer in India and has 10 cars under its wing including the Creta. HMIL is a vital part of the parent company, Hyundai Motor Company (HMC). HMIL’s state-of-the-art production plant near Chennai is responsible for the overall automobile production and other related processes in India. In future, if one desires to buy a Hyundai Creta, it would be advisable to avail a suitable car insurance.

    Insurance Providers for Hyundai Creta

    There are several leading insurance firms providing coverage for Hyundai Creta in India. Some of them include:

    • HDFC ERGO General Insurance
    • Bharti AXA General Insurance
    • L&T General Insurance
    • National Insurance Company Ltd.
    • ICICI Lombard General Insurance
    • Cholamandalam MS General Insurance
    • IFFCO Tokio General Insurance
    • Future Generali

    Price Range of New Hyundai Creta Model and Variants

    Fuel Type Variants of Creta Ex-Showroom price for Bengaluru
      1.6L Dual VTVT 6-Speed Manual E Rs.929,000
      1.6L Dual VTVT 6-Speed Manual E+ Rs.999,900
    Petrol 1.6L Dual VTVT 6-Speed Manual SX+ Rs.1,193,893
      1.6L Dual VTVT 6-Speed Manual SX+ Dual Tone Rs.1,231,849
      1.6L Dual VTVT 6-Speed Automatic SX+ Rs.1,294,566
      1.4L CRDi 6-Speed Manual E+ Rs.999,900
      1.4L CRDi 6-Speed Manual S Rs.1,131,401
      1.4L CRDi 6-Speed Manual S+ Rs.1,222,851
      1.6L CRDi VGT 6-Speed Automatic S+ Rs.1,366,309
    Diesel 1.6L CRDi VGT 6-Speed Manual SX Rs.1,246,007
      1.6L CRDi VGT 6-Speed Manual SX+ Rs.1,346,027
      1.6L CRDi VGT 6-Speed Manual SX+ Rs.1,383,968
      1.6L CRDi VGT 6-Speed Manual SX (O) Rs.1,452,095
      1.6L CRDi VGT 6-Speed Automatic SX+ Rs.1,458,724

    Please note the above prices could vary from state to state. Kindly get in touch with the respect showroom of the state you are buying the car from, or visit their online website to know the price.

    Mileage of Hyundai Creta

    Fuel Type Variants of Creta Mileage
      1.6L Dual VTVT 6-Speed Manual E 15.3 Kmpl
      1.6L Dual VTVT 6-Speed Manual E+ 15.3 Kmpl
    Petrol 1.6L Dual VTVT 6-Speed Manual SX+ 15.3 Kmpl
      1.6L Dual VTVT 6-Speed Manual SX+ Dual Tone 15.3 Kmpl
      1.6L Dual VTVT 6-Speed Automatic SX+ 15.3 Kmpl
      1.4L CRDi 6-Speed Manual E+ 21.4 Kmpl
      1.4L CRDi 6-Speed Manual S 21.4 Kmpl
      1.4L CRDi 6-Speed Manual S+ 21.4 Kmpl
      1.6L CRDi VGT 6-Speed Automatic S+ 19.7 Kmpl
    Diesel 1.6L CRDi VGT 6-Speed Manual SX 19.7 Kmpl
      1.6L CRDi VGT 6-Speed Manual SX+ 19.7 Kmpl
      1.6L CRDi VGT 6-Speed Manual SX+ Dual Tone 19.7 Kmpl
      1.6L CRDi VGT 6-Speed Manual SX (O) 19.7 Kmpl
      1.6L CRDi VGT 6-Speed Automatic SX+ 19.7 Kmpl

    Engine Specifications of Hyundai Creta

        1.6L CRDi VGT 1.4L CRDi 1.6L Dual VTVT
      Max. Power (ps/rpm) 128/4,000 90/4,000 123/6,400
    Engine Max. Torque (kg·m/rpm) 26.5/1,900 ~ 2,750 22.4/1,500 ~ 2,750 15.4/4,850
      Number of cylinders 4 4 4
      Valves of cylinder 16 16 16
      Valvetrain Type DOHC with VGT DOHC DOHC with Dual VTVT
    Transmission Transmission Type Automatic 6/Manual 6 Manual 6 Manual 6/Automatic 6
    Suspension Front McPherson Strut with Coil Spring McPherson Strut with Coil Spring McPherson Strut with Coil Spring
      Rear Coupled Torsion Beam with Coil Spring Coupled Torsion Beam with Coil Spring Coupled Torsion Beam with Coil Spring
      Front Disc Disc Disc
    Break Rear Drum Drum Drum
      Fuel Type Diesel Diesel Petrol
    Fuel Consumption Fuel Tank Capacity (L) 55 55 55

    Inclusion & Exclusion of Creta Car Insurance

    Inclusions

    • Third-party liability coverage
    • Damage caused by natural calamities
    • Damage caused by accident
    • Damage caused by theft, riots, other man-made disasters

    Exclusions

    • Car Breakdown
    • Regular wear and tear caused over time
    • Personal belongings in the car
    • Accident while driving someone else’s vehicle

    Types of Car Insurance Policies

    Basically there are 3 types of Car Insurance available in the Indian Market:

    • Liability coverage

    Liability coverage is of two types:

    o Coverage for Bodily Injury

    o Coverage for Personal Property

    Liability coverage also includes covering medical expenses, personal injuries, and property damage of a third party if you’re at-fault. This is called third-party liability coverage.

    • Collision Coverage

    This policy covers the damages to your vehicle in case you hit fixed objects like a telephone pole, lamp post or guard rail, or another vehicle.

    • Comprehensive Coverage

    This claim will cover the vehicle expenses if it was damaged by natural calamities like hail storm or man-made calamities like riots, vandalism, hail, floods, animal collisions, theft, and fire.

    This coverage is also known as “Fire and Theft” or “Other Than Collision.”

    Ways to Apply for Creta car Insurance:

    Mostly, car insurance is provided by the Hyundai car dealer during the purchase of Hyundai Creta. In case you are interested in buying an insurance policy rather than availing the one that the car dealer provides, you can apply for the policy either offline and online.

    • Applying Offline:

    Here, anybody interested in buying the insurance needs to visit the insurance firm of one’s choice. The prospective policyholder will then be met by an insurance representative who will guide him or her through the different policies available and the application process.

    • Applying Online:

    Since everything has gone digital, anybody willing to get insured can browse for the best insurance policies and compare them with the click of a mouse at the comfort of one's home. There are n number of options to choose from the number of motor insurance firms available. After deciding on the insurance firm, one can visit the firm’s website and apply online. Now the online application can take place in two ways:

    o The site would ask you to fill up your name and number, and one of the representatives will get in touch with you, taking you through the best offers.

    o Or, the site will have you fill an online application form for the policy of your choice.

    Add-ons for Creta car insurance:

    Add-ons for Creta car insurance offer added insurance benefits which includes covering several damages or events other than one’s own and/or third party liability.

    Below are some of the add-ons provided for Hyundai Creta:

    • Zero depreciation

    As per the base policy, only the depreciated value of any car part is reimbursable, and not the replacement value.By adding the Zero Depreciation cover to the base policy, the policyholder can claim the complete expenses incurred to replace the car parts that are damaged due to accidents. Usually, vehicles that are three to five years old are eligible to apply for this cover and can be used for two claims only during the policy period.

    • Engine Protect

    This add-on is of use to owners of high-end brand new cars. Cars that are three or less than three years old can opt for this add-on cover. Also known as Machinery Breakdown cover, this add-on covers any engine-related repairs that are required, regardless of what the cause is, except in cases of regular wear and tear.

    • Return to invoice

    This cover will ensure that the policyholder receives the original value of the car, including road tax and registration charges paid and not just the insured declared value (IDV). You can claim this in case of theft or total loss of your car. This add-on may not cover imported vehicles and is available for cars that are up to three years old.

    • NCB Protect

    By buying this add-on, the policyholder earns a No Claim Bonus (NCB) when he or she doesn’t make any claims in the year. This protect starts at 20% and with every year that is claim-free, there is an annual percentage increase that can go up to maximum of 50%. This cover allows you to accumulate the bonuses and protects you from losing them even if you make a claim. To avail this benefit, one should not have made claims in the two preceding years. This cover is usually not available for vehicles that are more than three years old.

    • Roadside Assistance

    This add-on offers round-the-clock services like towing, refuelling, arranging for a mechanic's services, change of flat tyre, etc. in case the car breakdowns.

    • Accident coverage for car passengers

    This cover protects the passengers in case of partial or permanent total disabilities suffered or death due to an accident.

    • Daily Allowance

    In case your vehicle is under repairs in any of the authorised garages or gets stolen, this add-on covers your cost of hiring another vehicle. The number of days could vary from 10-15 days.

    • Key Replacement Compensation

    This cover comes into play if your keys get stolen or if you happen to lose or misplace them. The cover will pay for the cost of replacing either your key or the lock of your vehicle.

    • Consumables Cover

    This cover compensates the expenses on your vehicle's commodities like screen washers, engine oil, nuts and bolts, bearings, etc. in case of any accident. Cars that are more than 3 years old aren’t eligible for this cover.

    Trim Creta Car Insurance Premium

    • Select higher deductibles
    • Don’t make claims for small expenses
    • Limit the scope of coverage for old cars
    • Transfer your No Claim Bonuses
    • Avail multiple insurance policies from the same insurer
    • Install security gear
    • Buy policies with sufficient coverage
    • Provide the insurer with your precise details
    • Compare and buy the policies online
    • Become a member in automobile associations
    • Buy traditional cars rather than vintage cars or sports models
    • Timely policy renewal

    Insured Declared Value for Creta Car Insurance

    Insured Declared Value (IDV) is the market price of your car that depreciates with time. IDV has a direct impact on your premiums; higher the IDV, higher the premiums will be.

    Cashless Garages for Creta Car Insurance

    Most of the insurers in India have a fixed list of garages that offer motor repair services to their customers. The clients will be informed of this Cashless Garage facility while buying the policy and provided with this list of network garages. This list is also available online. In case the policyholder needs to get his or her car repaired, he or she can avail the service at any of the listed cashless garage and make a claim for the repairs.

    Claim Process for Creta Car Insurance

    Step 1 – Get in touch with the insurance company immediately. In case of an accident, inform the police as soon as you can and file a report .

    Step 2- Once you get in touch with the insurer, raise a claim request and provide all the necessary documents and details as instructed by the insurer.

    Cashless Claim Process for Creta Car insurance

    Under this process, the policyholder can avail car repair services from any of the cashless garages enlisted under the insurer. All the expenses for repair will be taken care of, by the insurer under the cashless claim feature.

    Steps to make a cashless claim:

    • Inform insurance company as soon as possible and provide all the necessary details
    • Handover your car to the garage
    • Inform the authorities of the network garage and avail cashless settlement

    Reimbursement Claim Process for Creta Car Insurance

    If you meet with an accident and incur expenses towards repairs or medical expenses, the same will be reimbursed by the insurance company after the proof for the same is provided. It is important to keep records of all expenses made and submit those documents while applying for a reimbursement claim.

    FAQs for Hyundai Creta Car Insurance

    1. Why should you own a car insurance?

      Car insurance protects the policyholder by covering the expenses for the following:

      • To repair the damages to either your or the third-party’s vehicle
      • In case of a car accident where the policyholder (driver) is at fault, he or she is liable to pay for any personal injury or property damage of the third party who was involved in the accident.
    2. What are the key points to remember when availing Motor Insurance ?

      When you decide to buy an insurance policy, please keep the following in mind:

      • Check if the insurer selling the policy is legit and registered with IRDAI
      • Make sure to buy the policy through a legitimate and licensed insurance agent offline or online.
      • Get to know your policy well, read the policy prospectus thoroughly to know what your policy covers and doesn’t cover.
    3. What happens to the car insurance in my name when I sell my car?

      In such case there are two options:

      1. At the time of sale, the buyer can apply to the insurer for the policy to be transferred in his or her name.
      2. The seller can cancel the existing policy and the buyer can buy a new one. Also you can transfer the policy to your new vehicle and the unexpired premium amount can be adjusted accordingly.
    4. How should I change/correct any vehicle information or the registration address or on the policy?

      For any correction or change in any vehicle information or the registration address, you are required to submit a request letter along with the RC copy.

    5. What if the insured car meets with an accident outside of the area/city/state from where policy is issued?
      • Inform the insurer about the accident and do as advised by them.
      • Check if there is a local branch of the insurance firm, if so, inform them about the accident. This in case you are unable to reach the insurer via call.
      • Take the photographs of vehicle as soon as the accident takes place, so in case you are unable to contact the insurer at the time, you have enough proof to claim the cover when you do get through to them.
      • If the accident is major, make sure to lodge a FIR/Police complaint immediately.

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