Hyundai Santro Car Insurance

Discover comprehensive Hyundai Santro car insurance options. Learn about policy types, benefits, and prices to ensure your Santro is fully protected.
Buy/Renew Hyundai Santro Car Insurance
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3 min
03-August-2024
The Hyundai Santro, a popular compact hatchback, is known for its reliability, efficiency, and affordability. Whether you own a new Santro or the classic Santro Xing, having the right car insurance is crucial for safeguarding your vehicle against unexpected events. With the appropriate Hyundai Santro car insurance, you can drive with peace of mind, knowing you're financially protected from accidents, theft, and other damages.

What is Hyundai Santro car insurance?

Hyundai Santro car insurance is a financial safeguard that provides coverage against various risks associated with owning and driving a Santro. It typically includes coverage for damages due to accidents, theft, natural calamities, and third-party liabilities. Depending on the policy, it can also cover personal injuries to the driver and passengers.

Why choose Hyundai Santro car insurance?

Choosing Hyundai Santro car insurance ensures that your vehicle is protected from potential financial losses. It covers repair costs, medical expenses, and legal liabilities, providing comprehensive protection. Additionally, having insurance is a legal requirement, ensuring you comply with the law while enjoying your Santro.

Types of Hyundai Santro car insurance policies

There are various types of insurance policies available for the Hyundai Santro. Understanding the differences can help you choose the best one for your needs.

Insurance typeCoverage details
Comprehensive Car InsuranceCovers damages to your vehicle, third-party liabilities, theft, natural calamities, and personal accident cover.
Third-Party Car InsuranceCovers damages to third-party property and injuries to third-party individuals.
Own Damage Car InsuranceCovers damages to your vehicle only, excluding third-party liabilities.
Zero Depreciation Car InsuranceProvides full claim amount without considering depreciation on parts.


Key features and benefits of Hyundai Santro car insurance

Here are some of the key features and benefits of car insurance policies for Hyundai Santro:

  • Own damage coverage: Covers repairs or replacement costs for your Hyundai Santro in case of accidents, theft, or natural disasters.
  • Third-party liability coverage: Protects you from financial losses caused to third parties.
  • Personal accident cover: Provides compensation in case of death or disability of the insured.
  • No Claim Bonus (NCB): Offers discounts on renewal premiums for claim-free years.
  • Add-on covers: Optional covers like engine protection, zero depreciation, roadside assistance, and passenger cover can be purchased for enhanced protection.

Car insurance add-ons you can consider

Additional coverage options, known as add-ons, can be purchased alongside a comprehensive car insurance policy for your Hyundai Santro. Here are some of the add-ons available for purchase:

  • Zero depreciation cover: Ensures full reimbursement for repairs without factoring in depreciation during claim settlements.
  • Engine protection cover: Provides coverage for the repair or replacement of the engine in the event of damages caused by accidents or water ingression.
  • Roadside assistance: Offers aid in emergencies such as breakdowns, flat tires, fuel shortages, or towing services.
  • Return to invoice: Guarantees reimbursement of the invoice value of your car in case of theft or total loss.
  • Personal accident cover: Extends coverage to passengers in the vehicle, providing financial protection in case of accidents resulting in death or disability.
  • No-Claim Bonus protection: Safeguards your accumulated no-claim bonus in the event of a claim, allowing you to retain the discount on your premium.
  • Consumables cover: Covers the cost of consumable items such as engine oil, coolant, nuts, bolts, etc., during repairs.
  • Key replacement cover: Provides coverage for the replacement cost of lost or stolen car keys, including locksmith charges.
  • Daily allowance benefit: Offers a daily allowance for alternate transportation expenses while your car is undergoing repairs.
  • Invoice price cover: Ensures reimbursement of the invoice price of your car in case of total loss or theft, including registration and road tax.

Car insurance claim process

Cashless claim process:

A cashless car insurance process simplifies the repair of your Hyundai Santro car by eliminating the need for upfront payment at a network garage. Here's a step-by-step guide to the cashless car insurance claim process:

  • Inform your insurance company about the accident or incident through phone, website, or mobile app.
  • Provide all relevant details of the incident to the authorities, particularly if it involves accidents, theft, or fire. File an FIR if required.
  • Take photographs of the damages to your insured car and any bodily injuries sustained immediately after the incident to serve as evidence during the claim process.
  • Find the nearest network garage and take your car there for cashless repairs. If your vehicle is stalled due to damage, contact your insurer for towing assistance.
  • Once at the garage, a surveyor from your insurance company will assess the damage. Ensure you have all necessary documents such as your car registration certificate, driving license, and FIR available for inspection.
  • The surveyor will evaluate the claim amount and prepare a report to submit to your insurer. Your insurer will then either approve or reject the claim based on the surveyor's findings.
  • Upon approval, the network garage will proceed with the repairs. Once the repairs are completed, your insurer will settle the bills directly with the garage.

Reimbursement claim process

The reimbursement claim process requires you to initially pay for the repair bills and later seek reimbursement from your insurer. Below is the reimbursement car insurance claim process for your car:

  • Inform your insurance company about the incident and register your claim.
  • Take your car to a workshop or garage of your choice for repairs.
  • A surveyor appointed by your insurer will assess the damages at the garage.
  • The surveyor will prepare and submit a claim report to your insurer.
  • The garage will repair your car and provide you with a bill, which you will need to pay.
  • Submit the original repair bills along with a claim form to your insurance company.
  • Your insurer will review the repair bills and claim form and reimburse your repair costs accordingly.

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy
Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Hyundai Santro car insurance is essential for protecting your vehicle against financial losses due to accidents, theft, and other damages. By understanding the various types of insurance policies, their benefits, and the claim process, you can make informed decisions to ensure your Santro remains covered and secure. Always choose a reliable insurance provider and renew your policy on time to maintain continuous protection.

Frequently asked questions

What does comprehensive car insurance cover for Hyundai Santro?
Comprehensive car insurance for Hyundai Santro covers damages due to accidents, theft, natural calamities, third-party liabilities, and personal injuries.

What is a No Claim Bonus (NCB)?
A No Claim Bonus (NCB) is a discount on the premium for each claim-free year, encouraging safe driving and reducing insurance costs.

Will the insurer inspect my Hyundai Santro car before renewal?
This depends on insurer policies, claim history, and car age. Some may require inspection, while others offer hassle-free renewals.

Is roadside assistance included in the policy for Hyundai Santro?
Many comprehensive policies for Hyundai Santro include roadside assistance for breakdowns, towing, and emergency repairs.

How do I make a claim if my car is stolen for Hyundai Santro?
To make a claim for a stolen Hyundai Santro, inform the police and your insurer, submit an FIR, fill out the claim form, and provide necessary documents.

Can I transfer my existing policy to a new car?
Yes, you can transfer your existing car insurance policy to a new car by informing your insurer and making necessary adjustments to the policy.

How is the premium for car insurance calculated?
The premium for car insurance is calculated based on factors such as the vehicle's age, make and model, location, driver’s history, and chosen coverage.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler up to 1,500 CC. Premium may vary based on the specification of the vehicle.

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