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Best Crossover Cars In India And Their Cost Of Insurance

Written by Sumit Arora
Updated On Oct 17, 20232 min read
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Want to purchase a crossover car? Here's what you should know about cost of insurance for a crossover car in India

Crossover automobiles, which are frequently a blend of two different types of vehicles, provide the best of both worlds. A crossover vehicle can be less expensive than a full-fledged SUV (Sports Utility Vehicle). Some advantages, on the other hand, are passed on.

Best Crossover Cars In India And Their Cost Of Insurance

Crossover Cars in India and their Cost of Insurance

Cars have surpassed the status of a luxury item for India's middle and upper classes, and have become the preferred form of transportation due to their comfort and privacy. As more people buy automobiles, manufacturers are innovating to provide customers with the greatest possible experience. Hatchback automobiles were once thought to be good for families, whereas SUVs were sought after by adventurous parties for road excursions. Manufacturers have started manufacturing crossover vehicles in recent years that combine the greatest features of both automobile sectors, providing the ideal vehicle for Indian buyers.

Difference between a Crossover Car and a Crossover SUV?

Cars are divided into three categories: hatchbacks, sedans, and SUVs. While the body of the automobile and the frame (skeleton) of the car are not fused together in an SUV, the body and frame of a crossover car are one piece of metal. It's also known as "unibody." This improves the car's stability. Another significant distinction is that a crossover does not always feature a four-wheel-drive system. As a result, most crossover vehicles, such as hatchbacks, only drive the front two wheels. Crossover vehicles have the appearance of a smaller counterpart of huge SUVs. You can uncover the top crossover SUVs in India by conducting a fast web search.

List of the Greatest Crossover Vehicles

The best crossover vehicles in India are listed below:

1. Maruti Suzuki S-Cross

Maruti Suzuki S-Cross is available in four models, with prices starting at Rs 8.6 lakhs. The crossover is powered by a 1248-cubic-inch engine. This model is estimated to cost Rs. 12,000 to insure. Critics dubbed it a "big hatchback," but Maruti erased that label when the S-Cross received a makeover in 2017. The Maruti Suzuki S-Cross gets roughly 18-19 kilometers per liter.

2. Redi-GO Datsun

The revised Datsun Redi-GO features a 999cc engine that achieves an average of 21-22 km/l. This car's starting price is roughly Rs. 3.8 lakhs. Long-term owners laud the car's robust body, lack of vibrations at high speeds, and attractive interiors.

3. WR-V Honda

The vehicle gets 17-24 km/l on average. The engine has a displacement of 1498cc. Automatic temperature control and a navigation system are among the other amenities.

4. Ford Freestyle

This is a low-cost option for buying a crossover. The Ford Freestyle has a starting price of Rs. 7.28 lakhs. The Maruti Suzuki Ignis can be likened to this hatchback crossover. A Ford Freestyle costs roughly Rs. 16,000 to insure. It gets roughly 19-24 kilometers per liter of fuel.

Cost of Crossover Car Insurance Policy In India

On the basis of coverage, there are three types of car insurance policies available in India for crossover cars - Third Party insurance policy, Standalone Own-Damage insurance policy and Comprehensive insurance policy. 

A third party car insurance policy is the most basic insurance cover and the most affordable one. However, it does not provide any coverage for the own-damages incurred by the insured car. The premium for third-party car insurance, solely depends on the engine size of the insured car.

Whereas, a standalone own-damage car insurance policy provides coverage for own damages of the insured vehicle but nothing towards third-party liabilities. A Comprehensive car insurance policy is the one which provides coverage for both third party liabilities as well as own damages of the insured car. It is also called the bundled policy and offers the maximum coverage among all the 3 policy types. The premiums for a standalone own-damage car insurance plan and comprehensive plans depend on the factors such as IDV (Insured Declared Value), make, model, and variant of the car, its safety features, RTO location, type of engine, amount of coverage required, type of insurance coverage, etc. 

Take Away

Crossover vehicles have recently seen a boom in popularity in the automotive industry. Crossovers, as the name implies, are vehicles that combine elements from both the SUV and Hatchback sectors. Currently, prominent manufacturers such as Ford, Hyundai, Maruti, Fiat, and others are striving to deliver India's finest crossover. The greatest crossover vehicles combine the practicality of hatchbacks with the toughness of SUVs. In India, there are a plethora of fantastic crossover vehicles to pick from, making it difficult to decide which one to buy. To assist you to pick which crossover car to buy, we've produced a list of the top crossover cars in India and their attributes.

Also read - Common Questions Asked by Car Insurance Companies

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Sumit Arora
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 Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequent columnist and speaker at major insurer conventions and is a heard name in insurance circles In his free time, Sumit likes to spend time with his family and go on trips

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