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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

Network garages for KIA cars

With ICICI Lombard car insurance, you get access to a network of cashless garages and service centres for your car, including KIA cars. ICICI Lombard have tie-ups with various service centres of KIA. You can get your vehicle repaired at these facilities without making any upfront payments (except deductibles and exclusions under the policy) as we directly settle repair bills with the network garage. You can locate the nearest network garage for your KIA vehicle here.

What is KIA car insurance?

Car insurance for KIA Car, commonly read as KIA insurance, offers financial protection if your car is damaged due to natural or man-made events like fire, theft, explosion, terrorist activity, etc. It also covers third-party liabilities, helping you stay legally compliant. With KIA car insurance, you can drive with peace of mind, knowing you're protected against unexpected mishaps.

Features of KIA car insurance

Car insurance for KIA has the following features:

Third-party liability

Accidents involving your car can sometimes lead to injuries, property damage or even fatalities involving others. Such incidents may result in high legal and financial liabilities. KIA car insurance covers these third-party liabilities, ensuring you’re protected from unexpected legal troubles.

Personal accident cover

Driving comes with risks. Accidents can lead to serious injuries. Car insurance also comes with personal accident cover for the owner-driver. This helps you manage hospital bills and treatment costs without straining your savings. It provides essential support during difficult times.

Extensive protection

Besides providing coverage for third-party liabilities, car insurance also provides strong protection against risks including theft, fire, floods, frost, riots, etc. This helps you avoid large out-of-pocket expenses for repairs and recovery.

Add-on covers

You can opt for a range of add-ons to enhance your KIA car insurance. Some popular ones are zero depreciation, roadside assistance, return to invoice, key protection and more. These optional covers allow you to enhance coverage from your policy by paying a nominal extra premium.

What are the types of coverage in KIA car insurance?

KIA car insurance offers two types of coverage, namely:

Third-party legal liability

This type of car insurance policy covers only third-party liabilities. It’s mandatory to have at least a third-party insurance policy while driving your KIA car on Indian roads. This policy doesn’t include own damage cover.

Own damage coverage

Own damage car insurance protects your vehicle against a range of man-made and natural calamities. These include flood, fire, theft, lightning, strikes, etc.

Comprehensive coverage

A comprehensive car insurance policy covers your own damage along with third-party liabilities. As the name suggests, it offers comprehensive protection against various risks.

What’s covered and not covered by car insurance?

  • Inclusions
  • Exclusions

Inclusions

  • Legal liability to third parties in case your KIA car causes accidental injury, death or property damage to a third person. This protects you from legal and financial hassles.
  • Loss or damage due to natural events such as earthquakes, floods, cyclones, storms, hailstorms, landslides, rockslides, lightning, frost, and more.
  • Loss or damage from man-made causes, including theft, burglary, riot, strike, malicious acts, terrorism, or damage during transit by road, rail, inland waterways, lift, elevator, or air.
  • Personal accident cover for the owner-driver while travelling, mounting, or dismounting the insured KIA car.

Process to renew KIA car insurance online

Renewing KIA car insurance online is easy. All you need to do is:

  • Visit our official website. You can click here or do a simple online search for our website.
  • Go to the 'Renewals' menu in the top right corner and click on 'Car Policy' from the dropdown
  • 3. Choose between 'Policy Number' or your KIA vehicle's registration number for renewal.
  • Click on 'Proceed', follow the instructions, and pay the renewal premium to renew your KIA vehicle insurance

How to buy KIA car insurance online?

Applying for KIA insurance online is simple. All you need to do is:

  • Visit the official website of ICICI Lombard. You can search for our website through a simple online search or click here.
  • Click on 'Car Insurance' and you'll find a form in the top-right corner. Enter details and then click on 'Get Quote'.
  • 3. Follow the instructions on the page and pay the required premium.

KIA car insurance policy: Claiming process

Follow these steps to file a car insurance claim for your KIA car:

Inform us

Call our toll-free number, use our website or IL TakeCare App to report the incident. Try to inform us as soon as possible after the damage. This helps us start the claim process quickly.

Complete your video survey

Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.

Submit your documents

Share all necessary documents along with the filled claim form. This includes your registration, license, policy and any other required papers.

Note: For more details, please click here.

Documents required for KIA car insurance claims

Here are the crucial documents you need to raise a claim from car insurance for KIA:

1

Policy copy

The policy copy outlines the terms, conditions, and coverage details of your KIA insurance. It serves as proof that your vehicle was insured at the time of the incident. This document helps the insurer verify coverage and process the claim accordingly.

2

Registration certificate

The registration certificate is an official document proving your KIA car's ownership. It contains important details such as the vehicle's registration number, chassis number and engine number. Insurers require it to verify that the car involved in the claim is indeed the insured vehicle.

3

Driving license

A valid driving license is essential to prove that the person driving the car at the time of the incident was legally permitted to do so. It also helps insurers ensure that the driver satisfies the eligibility conditions laid out in the policy. Submitting a license copy is a standard part of the claim process.

This list is only indicative. Please check with the insurance company for the complete list of documents required.

Car insurance for other brands

Note: The aforesaid list is only illustrative not exhaustive

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Frequently asked questions

Is car insurance mandatory in India?

Yes, having a third-party insurance is mandatory under Indian law. It covers damage or injury caused to others and is required for legally driving your KIA on Indian roads.

What does car insurance for KIA typically cover?

Car insurance for KIA usually covers own damage due to accidents, theft, fire, inundation and third-party liabilities. You can also opt for add-ons like zero depreciation or engine protection.

Can I renew my KIA car insurance online?

Yes, renewing KIA car insurance online is simple. Enter your policy or registration number on the insurer's website, review coverage and make the payment to renew your policy instantly.

How can I lower the premium for car insurance for KIA?

You can reduce your KIA insurance premium by maintaining a clean driving record, opting for higher deductibles, using anti-theft devices and not making small claims to retain your no-claim bonus.

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