Hyundai Santro Insurance

The best car insurance for your Santro is one that fits your requirements and price point. The easiest way to find a policy that works for you is to purchase online. With a few clicks, you can compare different car insurance providers, the quotes they offer and their network of cashless garages to make an informed choice. You can also check their claim settlement ratio. It is an effective tool to measure the reputation of the insurance provider. Also, check customer reviews to understand their customer service quality.

Yes, car insurance will cover the cost of your shattered windshield if it was caused due to a mishap. But only if you have either a standalone own damage cover or a comprehensive cover. Additionally, keep in mind if there was any illegal driving involved in the mishap the insurance provider will compensate for the damages.

Yes, your second hand Santro and every other car driving on Indian roads are required to have at least a third party insurance according to the Motor Vehicles Act of 1988. Getting caught on the road without it can mean that you receive a fine of Rs. 2,000 and/or are imprisoned for up to 3 months. Additionally, purchasing third party insurance is beneficial, it takes care of third party liabilities in case of a mishap including bodily injuries, death and property damage.

The insurance premium amount of your Santro is primarily determined by the Insured Declared Value of the car. The IDV is also the highest amount of compensation the insurance provider will give the policyholder in case of theft or total loss. The IDV is affected by the age of the car. This means, due to the depreciation rate, the older the car the lower the IDV, the claim amount and the insurance premium.

To make a car insurance claim for your Santro follow the below-mentioned steps:

• Step 1: If your car was stolen, or there was a road accident or a case of vandalism, file an FIR at the nearest police station.
• Step 2: Inform the insurance provider by contacting them on the helpline and remember to confirm the documents you are required to submit.
• Step 3: Submit the required documents along with a duly filled claim form.
• Step 4: In case the car needs to be repaired the insurance provider will first send a surveyor. They will check the car and draw up a report. After this, your claim will go through a verification process before it can be approved.
• Step 5: Once approved you can take your car to a garage and get it repaired. If you choose a network garage, you have the added benefit of the insurance provider settling the bill in a cashless manner.

The No Claim Bonus is a reward given by the insurance provider to the policyholder for every claim-free year. The reward is cumulative in nature and goes up to 50% in the fifth year. NCB is only available with own-damage covers.

Zero Depreciation Cover is an add-on that can be purchased with an own-damage cover. It mitigates the depreciation rate of the car during claim settlement. However, it is only available for cars that are less than 5 years old and can only be used a limited number of times within a year.

The IDV of a car is calculated by deducting the depreciation rate of the car based on its age from the manufacturer’s selling price.

Follow these steps to renew your car insurance:

• Step 1: Visit our website InsuranceDekho and select the car insurance tab. A drop-down menu will appear, select renewal from the available options.
• Step 2: In the given section provide your car’s registration number, fuel type and variant.
• Step 3: Provide your previous policy’s expiry date, insurance provider’s name and details of claims if any. Also enter your personal details, i.e., name and phone number.
• Step 4: The quotes available in your category will be visible on the screen. Select one that suits you best and also any add-ons that you require.
• Step 5: Make the payment for your selected policy and the insurance policy document will be sent to your registered email ID.