Kia Sonet Car Insurance Online

Benefits of Buying Online Car Insurance for Kia Sonet

Buying Kia Sonet insurance online is convenient, flexible, and cost-effective.

• Ease of Comparison: The customers can instantly compare the premium rate, coverage benefit, and claim settlement ratio from different insurers to arrive at the lowest Kia Sonet insurance cost.
• Quick and Paperless: From quotation to policy document issuance, the process will be entirely digital, ensuring a seamless and time-saving experience.
• Transparency and Trust: All policy terms, add-on benefits, and claim details are given upfront as per IRDAI guidelines to help customers make an informed decision.
• 24/7 Availability: The owner can thus view his policy, initiate a claim, or finish Kia Sonet insurance renewal from anywhere and at any time.

Types of Car Insurance Plans for Kia Sonet

The owners of a Kia Sonet have three primary options for insuring their car:

• Third-Party Liability Only Policy: As required and bound by the Motor Vehicles Act, 1988, it covers financial liabilities due to third-party injury, death, and property damage. It does not insure any damage to the policyholder's vehicle.
• Standalone Own Damage Policy: Covers loss or damage to the Kia Sonet by an accident, theft, fire, or even natural calamity. It can be purchased along with a Third-Party policy, affecting the overall Kia Sonet insurance price.
• Comprehensive Car Insurance Policy: This type of insurance provides the widest coverage, as it combines Third-Party and Own Damage covers. For instance, the policy covers financial losses resulting from accidents, theft, and natural disasters. It gives peace of mind.

What’s Covered in Kia Sonet Insurance? (Inclusions)

A standard comprehensive insurance for the Kia Sonet typically covers:

• Accident, fire, explosion, lightning, and self-ignition-related damage or loss.
• Theft or burglary of the vehicle.
• Natural disasters such as floods, earthquakes, or cyclones.
• Man-made events include strikes, riots, or acts of terrorism.
• Third-party liability in case of injury, death, or damage to property.
• Personal Accident Cover for the registered owner-driver.

What's Not Covered in Kia Sonet Insurance (Exclusions)

Standard exclusions under car insurance include:

• Normal wear and tear or depreciation of vehicle components.
• Damage while driving without a valid license.
• Damage while driving under the influence of alcohol or drugs.
• Mechanical or electrical breakdowns are not caused by external impact.
• An injury sustained outside the policy's geographical area.
• War, nuclear risks, or civil unrest can cause loss or damage.

Disclaimer: The above inclusions and exclusions are illustrative. For full details, please refer to the policy wording.

Add-ons for Kia Sonet Insurance

The following are some important add-ons for extended cover:

• Zero Depreciation Cover :

  Allows a full claim on replaced parts without deduction due to depreciation.

• Engine Protection Cover :

  Insures against engine and gearbox damage caused by oil leakage or water ingress.

• Roadside Assistance:

  Provides towing, fuel delivery, or repair support during roadside emergencies.

• Return to Invoice Cover :

  Pays the total invoice value in the event of theft or total loss.

• No Claim Bonus Protection :

  This feature retains the earned NCB even after limited claims.

These add-ons can affect the total Sonet insurance cost, but they offer better financial protection.

How to Buy Kia Sonet Car Insurance Online?

Here is a step-by-step procedure to buy insurance for a Kia Sonet online:

• Step 1: Log in to the website or sign in to the SBIG app.
• Step 2: Enter vehicle details, including the registration number, model, and variant of the Kia Sonet.
• Step 3: Select the preferred policy type and review quotes to compare the Kia Sonet insurance price.
• Step 4: Choose relevant add-ons like Zero Depreciation or Engine Protection.
• Step 5: Pay online. A soft copy of the policy document will be sent instantly to the registered email address.

How to Renew Kia Sonet Car Insurance Online?

A timely Kia Sonet insurance renewal keeps the coverage uninterrupted. Here’s how to renew it online:

1. Log In: Access the SBIG website or mobile application.
2. Update Details: Confirm the car and personal information. If the policy lapses for over 90 days, a vehicle inspection may be required.
3. Premium: The renewal premium with applicable discounts for NCB will be displayed.
4. Make Payment: Check the Kia Sonet insurance price cautiously and pay online to get the renewed policy instantly.

Claim Procedure

The claim process for Kia Sonet insurance is fast, transparent, and easy to use:

1. Inform Insurer:

   Contact the insurance provider immediately following this incident.

2. Claim Form Submission:

   Submit a duly filled claim form with the RC, driving licence, and policy copy.

3. Inspection:

   The insurance company's surveyor inspects the vehicle and confirms the damage.

4. Settlement:

   The insurer, after assessment, makes direct settlements for repair bills with the garage, minus the applicable deductibles.

(Note: For theft or third-party claims, an FIR has to be filed with the police.)

Kia Sonet: Key Features

Kia Sonet is a popular car on the Indian roads, and below are the highlight features in the latest model:

• Engine Options: 1.2L Petrol, 1.0L Turbo-Petrol, and 1.5L Turbo Diesel.
• Safety: Brake Assist System, Hill-start Control, Vehicle Stability, six airbags, lane keep assist, and more.
• Technology: 10.25-inch Touchscreen Display, BOSE 7-speaker system, rear-view camera with guidelines.
• Other: Smart Pure Air Purifier, traction modes, voice recognition with Kia Connect.