Insurance For Hyundai Xcent

Securing insurance for your Hyundai Xcent is crucial if you are an existing owner. Even though Hyundai has ceased manufacturing new models, it remains a popular choice in the second-hand market. This is majorly due to its affordability and availability in both petrol and diesel variants. When purchasing a Hyundai Xcent, it's important to consider all associated costs, including registration charges and insurance premiums, as they contribute significantly to the overall on-road price. By ensuring your car is adequately insured from the outset, you can protect your investment and drive with confidence.

The following table should give you some idea of what you could have paid for some of the variants of the Hyundai Xcent:

Disclaimer: The above ex-showroom price for Hyundai Xcent is in Delhi only. Third-party premium rates are indicative. The actual premium that you might have to pay may change depending on various factors. Please check the prevailing premium prices before purchasing your car insurance policy.

If you wish to purchase a second-hand Xcent, you should know how to buy insurance for this car in India.  The steps are outlined for you below:

• Visit Bajaj Markets’ website and go to the ‘Car Insurance Premium Calculator’ page

• Fill in the registration details of your car and your phone number

• Make sure you complete the required application form with relevant details

• Check out the insurance plans for Hyundai Xcent that are available online and pick one that suits your requirements

• Make the payment for the premium online

 

After completing the process, your vehicle policy will be sent to you by email.

 

Securing insurance for your Hyundai Xcent  is crucial as it provides several advantages:

•  Legal Obligation

 In India, it's a legal mandate to insure your Hyundai Xcent against third-party liabilities

• Financial Security

Your insurance policy covers repair costs for accidental damages, relieving you from unexpected expenses

• Extensive Protection

Comprehensive insurance extends coverage to damages caused by natural or man-made disasters, providing thorough protection

• Supplementary Advantages

Car insurance plans frequently offer beneficial add-on covers, bolstering the overall security of your Hyundai Xcent

Mainly, you can avail of three kinds of car insurance when you buy Xcent insurance. So that you make an informed decision about coverage, you should know what the following types entail:

• Third-Party Car Insurance

Third party car insurance offered in a plan covers you legally. It helps you pay for any liabilities arising from your car’s fault to third parties and property.

• Comprehensive Car Insurance

For a broader scope of coverage, this insurance gives you financial security for third-party damage and harm and protection if your own car or you are harmed. Furthermore, you can expand your comprehensive car insurance cover with add-ons.

• Own Damage Car Insurance

Own damage car insurance offers vital protection for damages to your vehicle, regardless of third-party liabilities. It safeguards against accidents, theft, vandalism, and natural disasters, alleviating financial strain and ensuring your car's security.

 

Whatever Xcent insurance plan you opt for, you will come across certain conditions in the plan that are covered by insurance. These are: 

• Loss or damage to a third party

• Bodily injuries and death of the victim

• Personal accident cover for the owner-driver

• Own damage to your vehicle

• Third-party liabilities

• Theft and other perils

When you pay the insurance amount for your Hyundai Xcent, you may notice specific common inclusions. These are:

• Frequent wear and tear of your car

• Damage or loss due to driving without a valid license

• Damage or loss caused while driving without an active insurance policy

• Mechanical or electrical breakdown

• Damage or loss due to war-like circumstances

• Damage or loss resulting from malicious activity

• Damage or loss while driving under the influence of alcohol or in an intoxicated condition

Your Hyundai Xcent insurance cost may not cover everything you require in your regular insurance plan. Hence, you can buy add-on coverage to make your existing Xcent insurance plan extensive in its coverage scope if you wish to. The following are the common add-ons available:

• Zero Depreciation

Ensure your car's value remains intact with zero depreciation cover, eliminating deductions for depreciation during claim settlements

• Lock and Key Replacement Cover

Stay worry-free with lock and key replacement cover, providing assistance in case of lost or damaged keys, ensuring seamless access to your Hyundai Xcent

• Accessories Cover

Protect valuable accessories with this cover, ensuring compensation for damages or theft of accessories fitted in your Hyundai Xcent

• No-Claim Bonus Cover

Enjoy rewards for safe driving with no-claim bonus cover, preserving your hard-earned bonus even after making a claim, and reducing your future premium costs

• Report the accident immediately to your insurer

• Choose a Network Garage

• Take your vehicle to the nearest network garage for repairs

• Submit relevant documents and bills to your insurer

• Your insurer will directly settle the claim with the garage after verifying the paperwork

• Notify your insurer of the vehicle damage or loss

• File a First Information Report (FIR) if the damage involves a third party or theft

• Submit FIR and other relevant documents to your insurer

• Arrange repairs for your Xcent at your expense

• Provide original receipts and bills to your insurer

• Upon verification, your insurer reimburses the approved amount to you

While filing a claim for your Xcent insurance, valid documents have to be submitted in support of your claim. The documents you should keep prepared are:

• Your insurance policy

• Your insurer’s details

• Your vehicle’s details

• Any details pertaining to the given incident

• A copy of the FIR filed, if applicable

• All bills and receipts in their original form

Discover effective strategies to reduce the cost of your Hyundai Xcent insurance premium:

• Avoid Small Claims

For minor damages, consider out-of-pocket repairs instead of filing insurance claims to prevent potential premium hikes

• Compare Plans Online

Evaluate multiple insurance plans online to find one that aligns with your budget and coverage requirements

• Opt for Essential Add-Ons

Assess your needs carefully and select add-on covers that are essential. Avoid unnecessary covers to optimize your insurance policy

• Leverage No Claim Bonus (NCB)

Maintain a claim-free record throughout the policy term to unlock NCB benefits and renew your policy at a reduced premium rate

• Install Anti-Theft Devices

Enhance security and qualify for lower premiums by installing ARAI-approved anti-theft devices in your Skoda Octavia

Ensure peak performance and longevity with these maintenance tips:

• Maintain Tyre Pressure

Keep your Octavia's tyre pressure at optimal levels to alleviate strain on the engine

• Regular Service

Schedule biannual servicing at a reputable garage to uphold your car's performance and condition

• Engine Care

Safeguard the engine by avoiding aggressive driving and maintaining gentle handling

• Avoid Overloading

Prevent excess wear and tear by refraining from overloading your Octavia with passengers or luggage