Hyundai Car Insurance
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Hyundai Motor Company is one of the most popular automobile manufacturers in the world. Based out of South Korea, the brand’s diverse range of vehicles are extremely well-received by Indians as well.
Now, if you are one among the thousands of Indians who own a four-wheeler from Hyundai, you will also naturally require a well-rounded Hyundai car insurance policy to accompany it.
There are several reasons that back your need for a car insurance policy for your Hyundai vehicle. For starters, as per the Motor Vehicles Act of 1988, every automobile plying on Indian roads must possess a valid insurance cover. Failure to comply with this rule can lead to hefty fines, amounting to Rs.2000 in the first instance, and up to Rs.4000 for repeated offence.
Apart from this legal mandate, Hyundai insurance policies are also extremely important to help you deal with financial losses arising from damage or theft of your vehicle, as well as liabilities due to third party damages caused by your car.
Now, availing a third-party car insurance policy is mandatory. However, if you want to secure your finances against damage to your Hyundai car, you should definitely consider comprehensive car insurance policies.
What’s Covered in Hyundai Car Insurance by Digit?
Accidents
Common damages to your own Hyundai car like accidents & collisions
Theft
If unfortunately your Hyundai car gets stolen
Fire
Common damages due to Fire
Natural Disasters
Damages due to any natural calamities
Personal Accident
If there is a car accident and unfortunately it leads to death or disability of the owner
Third Party Losses
Damage your car causes to someone else's car or any other property
Add-ons for Hyundai Car Insurance
Following are the Add-ons for Hyundai Car Insurance:
What’s not Covered in Hyundai Car Insurance by Digit?
It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Why Should You Buy Digit's Hyundai Car Insurance?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Digit's Car Insurance Policy
Car Insurance Plans for Hyundai
Third Party
A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive
A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Own Damage
The Own Damage Car Insurance covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
How to Buy Hyundai Car Insurance with Digit?
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
More about Hyundai Cars in India
Hyundai is currently the second-largest car manufacturer operating in India. Over the years, this brand has raked in the goodwill and reputation that equals the likes of Maruti Suzuki.
Today, consumers place immense trust in the company’s vehicles. Here are some reasons for Hyundai’s success -
- Cars Packed with Features: Hyundai vehicles come equipped with the latest technology and features, significantly increasing the value-for-money factor of each car. Ask any Hyundai owner to list out all features in their car, and they will not be able to complete in one breath! For instance, the 2020 edition of the Hyundai Verna comes with smart boot, ventilated front seats and wireless charging facilities.
- Hyundai Vehicles are Powered by Impressive Engines: You can place your bets on a Hyundai car’s engine any day! They provide top-notch performance, speed and durability. Moreover, the company is quick to adopt new technology for its engines. For example, the manufacturer was the first in India to equip one of its vehicles, the Hyundai Venue, with a BS-VI compliant turbo-petrol engine.
- Affordable Range: Indians prefer high-quality cars, but they also need to adhere to a strict budget. Hyundai offers a range of commuter vehicles that are perfect for daily use. The Hyundai Santro, Hyundai Grand i10 Prime, Hyundai Elite i20 are just some of the vehicles under Hyundai’s affordable range.
- You can Easily Rely on its Safety Features: Hyundai takes immense care with safety measures for its vehicles. Apart from cutting edge braking technology, you can take advantage of several other safety features, including airbags, emergency stop signal and much more with any of the company’s cars.
Moreover, Hyundai is quick to replace products that suffer from safety issues. For instance, when customers discovered a flaw in the Hyundai Eon’s safety features, the company quickly recalled the faulty vehicles.
Thus, to protect your valuable vehicle with so many amazing features, you must absolutely buy the best Hyundai car insurance policy.
Although fitted with diverse safety technology, these cars can suffer physical damage during accidents or natural calamities. An insurance policy can limit your financial losses when an event transpires.
Why Should You Purchase or Renew Your Hyundai Car Insurance Policy?
Legal compulsion aside, insurance policies can greatly benefit you in several situations. Still not convinced?
Listed below are a few reasons to avail or renew the car insurance policy for your Hyundai:
- Third-Party Liability Coverage: When your Hyundai vehicle is involved in an accident, it can cause damage to a third-party vehicle, individual or property. As the driver-owner, you are responsible for financial repercussions arising from such damages. However, as a third-party insurance policyholder, you do not need to bear such expenses out of your pocket since your insurance provider will cover them.
- Own-Damage Cover: If you opt for a comprehensive Hyundai car insurance policy, you can also claim the expenses to cover the damages sustained by your own vehicle. These damages may arise from accidents, storms, earthquakes, floods or a range of other reasons. The comprehensive policy is above and beyond the third-party liability policy, whose benefits are included under the purview of the former as well.
- Personal Accident Cover: The IRDAI since 2019 has mandated every owner-driver of a vehicle to purchase a personal accident cover under their car insurance policies. This particular cover comes into effect when the driver-owner of a car suffers from an accident leading to his/her death or disability. In the event of the death of the driver-owner, the individual’s family members can claim the payout.
- No Claim Bonus: Are you an extremely safe driver who has never been involved in an accident? If you are, then Hyundai car insurance renewal will provide additional benefits to you. No claim bonus is a discount offered on the own damage premium portion of your insurance policy for every claim-free year.
- Coverage for Car Theft or Irreparable Damage: Loss of your precious Hyundai vehicle due to theft can be a devastating blow. Absence of a comprehensive insurance plan at such a time will force you to bear this entire financial loss without any help. Comprehensive policyholders, on the other hand, can rely on their insurers to provide a significant portion of the lost vehicle’s value.
If your vehicle is totalled, you can also claim this sum from the insurance provider. This amount would be in accordance with the current Insured Declared Value or IDV of your Hyundai car.
Now that we have established the importance of a Hyundai car insurance policy, you must be wondering which policy and which provider to choose for optimum benefits. Fortunately, we have a recommendation in this regard!
Digit is one of the leading vehicular insurance companies in the country, providing immense benefits to car insurance policyholders.
Why Digit, you ask?
How Can You Reduce Your Hyundai Car Insurance Premium?
Do you desire lower premiums? Follow these tips!
- Don’t Let Minor Claims Damage your NCB: You must remember that No Claim Bonus in car insurance can help you avail better rates for your car insurance during renewal. But, if you claim a policy for small repairs, you stand to lose out on the NCB and a substantial reduction on your policy premium.
- Choose Plans with an Increased Deductible:Â If a particular policy seems unaffordable, you opt for a higher voluntary deductible amount. While policyholders cannot change the compulsory deductible portion of a plan, they can opt for additional deductibles in lieu of lower premium payment.
- Pick Only the Necessary Add-Ons: You can customise Digit’s Hyundai car insurance policy with additional coverage in the form of riders. Nevertheless, not every policyholder requires all of the add-ons available at our company. Opting for too many riders can increase your premium burden unnecessarily.
You can employ these tricks to avail a Hyundai insurance policy at affordable rates. Nevertheless, you must judge such a plan by the quality of financial protection it offers, rather than focusing solely on its expense aspect.
Drive Safe!
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