Kia Carnival Car Insurance

Protect your Kia Carnival with comprehensive car insurance. Explore different policies, benefits, and how to get the best coverage for your vehicle.
Buy/Renew Kia Carnival Car Insurance
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3 min
10-August-2024
The Kia Carnival is a premium multi-purpose vehicle (MPV) that combines luxury, space, and performance. Given its premium status, securing the right car insurance is crucial to protect your investment. Kia Carnival car insurance ensures that your vehicle is safeguarded against accidents, theft, natural disasters, and third-party liabilities, providing peace of mind for owners.

What is Kia Carnival car insurance?

Kia Carnival car insurance is tailored for the Kia Carnival MPV. It covers the cost of damages to the vehicle due to unforeseen incidents like accidents, theft, natural calamities, and more. The insurance also offers third-party liability coverage, ensuring that damages or injuries caused to others are covered. Depending on the type of policy chosen, the insurance may also offer additional benefits like roadside assistance, engine protection, and zero depreciation.

Why choose Kia Carnival car insurance?

Choosing Kia Carnival car insurance is essential for several reasons. This insurance policy is specifically designed to cater to the unique needs of the Kia Carnival, offering comprehensive protection that covers a wide range of risks:

  • Comprehensive protection: Covers damages to your vehicle from accidents, theft, and natural disasters.
  • Third-party liability: Protects you against legal liabilities arising from third-party injuries or property damage.
  • Peace of mind: Ensures financial security and peace of mind while driving your high-value vehicle.
  • Customisable plans: Offers various add-on covers like zero depreciation, engine protection, and roadside assistance.

Types of Kia Carnival car insurance policies

There are several types of insurance policies available for the Kia Carnival. These are designed to suit different needs and budgets, providing varying levels of coverage:

Insurance TypeCoverage Details
Third-party liabilityCovers damages to third-party property and bodily injury.
Own damage insuranceCovers damages to your own vehicle due to accidents.
Comprehensive insuranceCovers both third-party liability and own damages.
Personal accident coverProvides coverage for the driver/owner in case of accidents.
Zero DepreciationProvides full claim amount without deducting depreciation.


Key features and benefits of Kia Carnival car insurance

Understanding the key features and benefits of Kia Carnival car insurance can help you make an informed decision:

  • Extensive coverage: Protection against accidents, theft, natural calamities, and third-party liabilities.
  • Cashless repairs: Network of authorised garages for hassle-free repairs.
  • No Claim Bonus (NCB): Discounts on premiums for claim-free years.
  • 24/7 roadside assistance: Support in case of breakdowns or emergencies.
  • Add-on covers: Additional coverage options like engine protection, zero depreciation, and more.

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 Kia Carnival. 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.

How to buy/renew Kia Carnival car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Kia Carnival. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

Step 4

Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Kia Carnival with a car insurance policy.

Car insurance claim process

Cashless claim process:

A cashless car insurance process simplifies the repair of your Kia Carnival 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.Top of Form

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.

Kia Carnival car insurance is an essential investment to protect your luxury vehicle from unforeseen risks. By choosing the right policy, you can ensure comprehensive coverage that meets your specific needs, whether it's for accidents, theft, or natural disasters. Always compare policies, understand the benefits, and follow the correct procedures for buying, renewing, and claiming your insurance. With the right coverage, you can drive your Kia Carnival with confidence and peace of mind.

Frequently asked questions

What does comprehensive car insurance cover for Kia Carnival?
Comprehensive car insurance for the Kia Carnival covers damages from accidents, theft, natural disasters, fire, and third-party liabilities. It also includes coverage for the vehicle's own damages.

What is a No Claim Bonus (NCB)?
A No Claim Bonus (NCB) is a discount on the premium offered by insurance companies for every claim-free year. It can significantly reduce the cost of your Kia Carnival insurance over time.

Is roadside assistance included in the policy for Kia Carnival?
Yes, most comprehensive car insurance policies for Kia Carnival include 24/7 roadside assistance for breakdowns, towing, and other emergencies.

How do I make a claim if my car is stolen for Kia Carnival?
If your Kia Carnival is stolen, immediately file an FIR with the police and inform your insurance provider. Submit the required documents, including the FIR and claim form, to initiate the claim process.

Can I transfer my existing policy to a new car?
Yes, you can transfer your existing Kia Carnival car insurance policy to a new car. Contact your insurance provider to initiate the transfer and update the policy details accordingly.

How is the premium for car insurance calculated?
The premium for car insurance is calculated based on factors such as the vehicle's make and model, age, engine capacity, geographical location, and the type of coverage chosen.

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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 above 1,500 CC. Premium may vary based on the specification of the vehicle.

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