Hyundai Xcent Car Insurance

Hyundai Motor India Limited (HMIL) is an Indian subsidiary of Hyundai Motor Company. HMIL commenced its operations in India in May 1996. At present HMIL has more than 400 automobile dealers and above 1,200 service outlets across India.

Why is it Important to Insure Your Hyundai Xcent?

As per the Motor Vehicles Act, the Indian government has made it mandatory for every car owner in India to insure his or her car. Another reason to insure your vehicle is that car insurance financially protects you from unforeseen liabilities that you may incur due to a mishap.

Hyundai Xcent Insurance Providers

A number of insurers provide Hyundai Xcent insurance in India, a few of them are listed below:

• Bajaj Allianz General Insurance Co. Ltd.
• HDFC ERGO General Insurance Co. Ltd.
• Future Generali India Insurance Co. Ltd.
• Bharti AXA General Insurance Co. Ltd.
• IFFCO-Tokio General Insurance Co. Ltd.

Hyundai Xcent Models

The below table exhibits various models of Hyundai Xcent along with their starting *prices

Fuel Type	Hyundai Xcent Variants	*Ex-Showroom Price (Bangalore)
Petrol	1.2 Kappa Dual VTVT 5-Speed Manual E - Solid	Rs.5,48,231
	1.2 Kappa Dual VTVT 5-Speed Manual E - Metallic	Rs.5,50,640
	1.2 Kappa Dual VTVT 5-Speed Manual E+ - Solid	Rs.5,99,000
	1.2 Kappa Dual VTVT 5-Speed Manual E+ - Metallic	Rs. 6,01,855
	1.2 Kappa Dual VTVT 5-Speed Manual S - Solid	Rs.6,39,558
	1.2 Kappa Dual VTVT 5-Speed Manual S - Metallic	Rs.6,41,408
	1.2 Kappa Dual VTVT 5-Speed Manual SX - Solid	Rs.6,83,722
	1.2 Kappa Dual VTVT 5-Speed Manual SX - Metallic	Rs.6,85,652
	1.2 Kappa Dual VTVT 4-Speed Automatic S - Solid	Rs.7,19,592
	1.2 Kappa Dual VTVT 4-Speed Automatic S - Metallic	Rs.7,22,071
	1.2 Kappa Dual VTVT 5-Speed Manual SX (O) - Solid	Rs.7,61,121
	1.2 Kappa Dual VTVT 5-Speed Manual SX (O) - Metallic	Rs.7,62,539
Diesel	1.2 U2 CRDi 5-Speed Manual E - Solid	Rs.6,40,289
	1.2 U2 CRDi 5-Speed Manual E - Metallic	Rs.6,43,222
	1.2 U2 CRDi 5-Speed Manual E+ - Solid	Rs.6,96,266
	1.2 U2 CRDi 5-Speed Manual E+ - Metallic	Rs.6,99,425
	1.2 U2 CRDi 5-Speed Manual S - Solid	Rs.7,32,096
	1.2 U2 CRDi 5-Speed Manual S - Metallic	Rs.7,34,537
	1.2 U2 CRDi 5-Speed Manual SX - Solid	Rs.7,76,412
	1.2 U2 CRDi 5-Speed Manual SX - Metallic	Rs.7,78,964
	1.2 U2 CRDi 5-Speed Manual SX (O) - Solid	Rs.8,54,071
	1.2 U2 CRDi 5-Speed Manual SX (O) - Metallic	Rs.8,56,157

*Please note that the above prices are exclusively for Bangalore and are subject to change with respect to the city you purchase the vehicle from.

Specifications of the Hyundai Xcent Models

The below table exhibits engine specifications of the Hyundai Xcent Models

	1.2L Kappa Dual VTVT 4 Speed Automatic	1.2L Kappa Dual VTVT 5 Speed Manual	4-DOOR 1.2L U II 5 Speed Manual Transmission
Engine type	1.2L Kappa	1.2L Kappa	1.2L U II Diesel
Displacement (cc)	1,197	1,197	1,186
Max. Power (ps/rpm)	83/6,000	83/6,000	75/4000
Max. Torque (kg·m/rpm)	11.6/4,000	11.6/4,000	19.4/1,750 - 2,250
Valvetrain Type	4 cylinders, 16 valves	DOHC	DOHC

Types of Hyundai Xcent Car Insurance

There are two kinds of car insurance available for Hyundai Xcent:

• Comprehensive Car Insurance

This car insurance policy offers extensive coverage by covering both own damage as well as third-party liabilities.

• Third-party Liability Cover

This car insurance policy provides limited coverage by covering third-party liabilities alone.

Buying/renewing Hyundai Xcent Car Insurance

You can purchase or renew your car insurance online or offline depending on your convenience

• Online:

You can visit third-party insurance websites or insurer’s official website to purchase/renew the car insurance of your choice. Most of the insurance websites have premium calculators that give you quote on the estimate of your car insurance premium.

• Offline:

You can also visit the nearest office of the insurer or meet with an insurance agent to purchase or renew the car insurance of your choice.

Hyundai Xcent Car Insurance Claim Process

The claim process for Hyundai Xcent car insurance involves the following steps:

• Inform the insurer as soon as the mishap happens and raise a claim request.
• File an FIR at the nearest police station in case of theft or accident.
• After your claim has been registered, the insurer will send an authorised surveyor to assess the total loss/damage incurred due to the mishap.
• You will have to submit originals and copies of the requested documents to the surveyor or the insurer for verification.
• Post verification of the documents you can take your vehicle to the nearest garage depending on the kind of claim you have raised.
• In case of a cashless claim, take your car to the nearest insurer authorised garage and get it repaired. Post repairs, the insurer will pay for the complete repairs directly to the garage.
• In case of reimbursement claim, take your car to the nearest garage and get it repaired. Post repairs, you will have to settle the bills directly to the garage. Submit the repairs invoice and payment receipt to the insurer and get the amount you spent on repairs reimbursed.

Inclusions and Exclusions of Hyundai Xcent Car Insurance

Hyundai Xcent Car Insurance comes with a number of inclusions and exclusions, a few of them are listed below:

• Inclusions:
  • Loss/damage due to natural calamities
  • Total loss due to of fire/terrorist attack/theft
  • Own Damage liabilities
  • Third-party liabilities
• Exclusions:
  • Regular wear and tear of the vehicle
  • Electrical/mechanical failure of the vehicle
  • Damage to tyres alone
  • Loss/damage incurred when the person was driving the vehicle without a valid licence during the time of a mishap

Add-ons Offered with Hyundai Xcent Car Insurance

There are a number of add-ons available in the market for Hyundai Xcent Car Insurance, a few of them are listed below:

• Zero Depreciation Cover
• Passenger Cover
• Engine Protect Cover
• No Claim Bonus Protect Cover

Discounts Offered with Hyundai Xcent Car Insurance

The insurers offer a number of discounts to Hyundai Xcent car owners, a few of them are listed below:

• Professional Discount
• No Claim Bonuses
• If you have installed ARAI approved security devices in your car, you will get a discount on your insurance premium
• If you are a member of any automobile associations of India, you can avail a discount on your insurance premium

Hyundai Xcent Car Insurance FAQs:

1. What is a voluntary deductible in car insurance?

   A part of the insured amount that you opt to pay at the time of claim settlement is called voluntary deductible.

2. Does my geographical location have an impact on my car insurance premium?

   Yes, your geographical location has an impact on the car insurance premium you pay.

3. Can I cancel my car insurance policy anytime?

   Yes, You can cancel your car insurance policy anytime, provided you don't have a standing claim 30 days prior to the policy cancellation and you have availed another car insurance for which you can submit relevant proof.

4. What does depreciation in car insurance mean?

   Depreciation in car insurance is the loss in the market value of your car due to the regular wear and tear of the car as a result of aging.

5. What is a cover note in car insurance?

   A cover note is a temporary document that is provided by the insurer to the insured until the original insurance policy document can be issued. The cover note will have all the relevant policy details and is valid for 60 days.