Kia Car Insurance

Kia car insurance in the UAE offers extensive security from various vulnerabilities such as road accidents, fire, explosions, and allied perils. The insurance also secures the insured vehicle from man-made calamities, including vandalism, riots and third-party malicious act. The article below throws light on Kia car insurance, its inclusions and exclusions and various ways of acquiring it.

Kia Car Insurance Cost in the UAE

Kia car Insurance is cost-effective and easy to acquire. You can conveniently purchase a suitable insurance plan by visiting the insurer’s website or with an in-house purchase while buying from the showroom. Depending on the Kia vehicle model, cost and manufacturing year, the cost of a Kia car insurance starts from AED 200. 

With Kia car insurance, you can protect your vehicle from various threats such as fire, explosion and allied perils, cyclones, storms, floods, including man-made calamities like riots, vandalism and more. The comprehensive policy also includes damages to third party properties along with vehicle theft or burglary. Before purchasing a specific type of vehicle insurance, you need to understand the process of motor insurance cost calculation.

How is the Motor Insurance Cost Calculated?

An insurance company determines the insurance premium based on the insured declared value (IDV). An IDV is the maximum amount of security you recieve in an insurance policy. Meaning, in case of an accident, your insurance company can provide coverage equal to the insured declared value. 

During an IDV calculation, your insurer calculates the coverage amount by deducting the depreciation rates and various insurance exclusions from the selling price of your Kia car model. Additionally, the rates are also based on the age and claim history of the car. A new Kia car has a higher IDV, eventually increasing the cost of insurance. For used cars, the insurer also takes the previous claim history into account while deciding the insurance cost. 

Types of Kia Car Insurance in the UAE

With numerous customisation options, the Kia company offers two types of insurance plans to secure your vehicle. You can opt for a comprehensive protection plan that provides extensive security against a range of threats or go for third-party insurance to secure the uninsured. Following are the various types of Kia car insurance plans.

Kia Comprehensive Car Insurance

Comprehensive car insurance from Kia offers broad protection against unforeseen damages to your vehicle, whether it is running on the road or parked. The policy also includes the medical coverages and hospitalisation expenses for the driver and the passengers.  

Along with personal accident coverage, the comprehensive Kia car insurance provides third-party liability cover for the losses to uninsured individuals’ properties and life due to insured vehicles. Although offering extensive coverage, the Kia car insurance has some exclusions that you need to ensure while buying a comprehensive plan. 

Kia Third-Party Liability Insurance

In some cases, an insured vehicle may cause damages to an individual who is not a part of the insurance contract. For such accidents, the companies in the UAE offer Kia car insurance. In other words, third-party liability insurance covers the repair and recovery expenses of the uninsured vehicle due to an insured vehicle. It also covers the medical and hospitalisation expenses of an uninsured individual. 

According to the RTA rules and regulations, third-party liability insurance is mandatory for taking your car on the roads of the UAE. In comparison to comprehensive plans, third party liability insurance is cheaper since it provides basic protection to the uninsured. 

It must be noted that third-party Kia car insurance does not cover the damages to the insured vehicle during a road accident. 

Reason to Buy Kia Car Insurance in the UAE

Security against unforeseen situations on the road is the prime reason to buy a car insurance plan. However, the insurance companies in the UAE provide attractive deals and customisation within your budget. Following are the important reasons to buy Kia car insurance in the UAE. 

• Kia car insurance is affordable and comes with numerous customisation options suiting your protection requirements. You can select the best car insurance plan within your expenses and fulfiling your protection requirements. 
• Companies offer both comprehensive and third-party liability insurance for all the available models in the UAE. 
• Along with basic protection, the Kia car insurance provides several add-ons to let you choose the type of protection you require. Buying an additional rider raises the overall cost of your insurance plan.
• When you buy online car insurance, you can enjoy attractive discounts and offers. 
   
• Along with security against road accidents, you also get extensive roadside assistance services within the insurance plan. With a roadside assistance service, you get quick vehicle recovery after an accident. 
• With a broad network of dealerships and authorised service centres, you get quick and hassle-free vehicle recovery. 
• With an online claim application process, you get a quick and convenient car insurance settlement.   
• While filing a claim application, the company offers a team of professionals to guide them through the process.
• Apart from the vehicle damage cover, you also get personal accident cover that secures the passenger and the driver against bodily injury and death. 
• Kia car insurance comes with a cashless claim process where do not require any cash handling. Through cashless claims, the company pays the repair and recovery expenses directly to the dealership, making the process easy for the policyholder. 
• An uninsured individual (third party) can also apply for insurance claims directly at the insurance providers’ portals.
• You can conveniently buy Kia car insurance online after comparing various available plans in the UAE. 
• To find various insurance plans and attractive discounts, you can visit the car insurance section at Policybazaar.ae.

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Kia Car Insurance Inclusion

Kia car insurance protects your vehicle against various threats that are included in the policy inclusions. Kia car insurance provides extensive protection from the below-mentioned threats and perils:

Following are the extent of coverage to the insured Kia vehicle

• Protection against fire, explosion and fire due to self-ignition,
• Coverage for the vehicle damage due to natural calamities such as storms, earthquakes, cyclones, floods etc,
• Protection from third-party malicious acts resulting in vehicle damages and losses,
• Security against strike, riot and vandalism,
• Protection against theft, house break-in, burglary etc,
• Coverage against accidental damages to the external and internal vehicle body,
• Coverage for the vehicle loss during transit and transportation,
• Protection against road accidents

Following are the inclusions for Kia third-party liability Insurance

• Coverage for the third party bodily injuries and death.
• Protection against accidental damages to the third party property or vehicle.
• Personal Accident cover for the car owner, passenger and the third party.

Kia Car Insurance Add-ons

Add-on (commonly known as additional riders) enhances your car protection coverage with a nominal increase in the insurance premium. You can opt for the add-on rider along with the comprehensive or third party insurance plan. The following add-ons are offered with Kia car insurance.

• Zero Depreciation Cover: With a zero dep add a cover, the insurer does not cover the depreciation value of your Kia car while calculating the IDV (Insured Declared Value). Since it is an additional rider, purchasing a zero dep cover increases your insurance premium cost. However, it helps to get the invoice amount in case of vehicle damage. 
• Tire Damage Cover: With tire damage add-on, the insurer covers the tyre replacement cost of your Kia vehicle due to accidental damages. However, wear and tear due to normal operations are not covered in the insurance.  
• Cost of Consumable Items: Consumable items refer to the things that get depleted during the normal operation of the vehicle such as engine and brake oil, nut, bolts and bushes etc. With a consumable item cover, you get the expenses for replacing these items in your vehicle. 
• Engine and Transmission Cover - With an engine and transmission cover, you can secure the gearbox and the engine of your Kia vehicle during accidents. Fire due to self-ignition is not covered in the engine and gearbox cover. 
• Add-on Cover for Electrical and Non-electrical Accessories - With an accessory cover, you get protection against damages to the spare parts and accessories installed in your Kia car.
• Personal Accident Cover: With a personal accident cover, you can secure the driver and passengers involved in a road accident. 
• Roadside Assistance Cover: When you opt for a roadside assistance cover, you get complimentary roadside assistance during a mishap or vehicle breakdown. Roadside assistance includes towing service, emergency fuel delivery, flat tyre fixing, battery boosting, off-road recovery and more. 
• Return to Invoice Cover: With a return to invoice add-on, the insurance company provides you with an insurance benefit equal to the invoice value of your Kia vehicle instead of the insured declared value (IDV).  
• No Claim Bonus Cover - When you opt for a no claim bonus add-on, you get discounts on your Kia car insurance renewal if you made no insurance claims during the preceding year.

Kia Car Insurance Exclusions

Despite comprehensive coverage, Kia car insurance has some security limitations. The events and the accidents not covered under the insurance plan are known as exclusion. Based on legal and moral obligation, the following are the various Kia car exclusions. 

• Accidents due to Intoxication - Accidents occurring under the influence of drugs, alcohol and other intoxicating substances are not covered under the Kia car insurance. If at any stage during the survey, it is found that the mishap resulted due to intoxication. You won’t receive a claim settlement. 
• Self Inflicted damages - A vehicle owner may damage his car for monetary benefits or ill-intentions. To discourage such activities, Kia car insurance providers do not settle insurance claims resulting due to self-inflicted injury. 
• Mechanical and Electrical Failure - Kia car insurance plan does not secure against any mechanical or electrical failure. As a vehicle owner, you to needs to bear the expenses of repair on his/her own. 
• Failure due to normal wear and tear - For failures due to wear and tears under normal working conditions, the insurer does not provide insurance coverage.  
• Accident by a Non Licensed Driver - If an accident occurs due to the negligence of a non-licensed driver, the insurance company is not liable to pay any insurance benefits. You must ensure to have a valid license issued by the Road Transport Authority in the UAE. 
• Accident due to Un-Approved Vehicle Use - If a car owner uses his/her Kia vehicle for un-approved purposes, criminal activities etc, the insurance company is not liable to pay any insurance benefit in case of an accident. 
• Accident due to Overloading - If the cause of the accident proves to be due to passenger or goods overloading, the insurance provider is liable to settle your accident claim. It is always advisable to drive your Kia car within the permissible limits.
• Damages due to Nuclear Accidents and Attacks - Kia car insurance do not provide any coverage due to foreign invasion and attacks, including Nuclear attacks and explosions.  

How to Purchase a Kia Car Insurance in the UAE?

Various Kia car insurance plans are available in the UAE that you can buy online and offline. Online purchases accompany additional benefits and discounts. Additionally, you can easily research and compare various car insurance policies. The steps to buying Kia car insurance online are as follows. 

1. Visit Policybazaar.ae or the official website of Kia car insurance provider.
2. Navigate through the available plans and select the kind of insurance policy available for your Kia car. After entering the details like vehicle cost, manufacturing year, and model, you will find a list of plans along with insurance cost approximation.
3. After selecting your plan, click on ‘Buy now’. Subsequently, you need to enter your personal and vehicle detail, including your contact information.
4. Once you have filled the online form, proceed to the subsequent step, where you can find the plan details specific to your model. Read all the details carefully and select a mode of insurance premium payment.
5. After paying your insurance premium, you need to download the payment receipt and policy documents. Since the policy details are crucial during the insurance claim application, you must keep them safe for all future references. 

In the case of offline applications, you need to visit an insurance agent or the nearest office of Kia car insurance providers along with all the details and documents pertaining to your identity, driving license, vehicle details etc.

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Kia Car Insurance Renewal Process

After the end of the tenure, you need to renew your car protection plan by paying the insurance premium. While you can renew your Kia car insurance plan conveniently through online or offline mode, the earlier is preferred due to the hassle-free process. The following are the steps to renew your car insurance plan online -   

1.  Visit Policybazaar.ae or your insurance provider’s official website.
2. Select the Kia car insurance renewal option provided in the car insurance section,
3. Enter the policy details such as the owner’s identity and policy number
4. After filling in all the details, continue with the online payment options
5. Later, you will receive the details of your car protection plan along with the amount to be paid.
6. Check and verify all the policy details and proceed with premium payment to complete the Kia car insurance renewal process.

Note - If you have not claimed a car insurance benefit in the former year, you may be eligible for the no claim bonus as per your insurance providers’ terms and conditions. During insurance renewal, you can confirm your eligibility and enjoy attractive discounts in your Kia car insurance renewal.

Kia Car Insurance Claim Process

Most car insurance providers in the UAE offer an online claim process for every Kia car. Online claim processes are convenient, hassle-free and involve a few simple steps. While filing a claim, you need to enter the details in the online application form. Subsequently, you need to upload the supporting documents. Step by step guide to the Kia car insurance claim process is mentioned below.  

• Report the Vehicle Accident to Your Insurance Provider - During an accident, you need to report the event to the insurance provider. In case of bodily injuries, you must also call an ambulance and the police authority. For a road accident, it is critical to report to the police because you need a copy of an FIR and a final police report at the time of the insurance claim. 
• Study your Kia Car Insurance - Once reported, you should go through the Kia car insurance policy details and check whether you can opt for emergency roadside services. Intimate your insurer’s support team and ask for assistance. If your car insurance includes personal accident cover, the insurer will bear the hospitalisation and medical expenses of the injured passengers and the driver.
• Collect all the Required Documents - While filing an insurance claim, you need to submit some documents related to your identity, vehicle and proof of the accident. You can record and submit a video proof or take images to aid the investigations. 
• Filling the Car Insurance Claim Form - After all of your documents are ready, apply for an online car insurance claim by visiting the provider’s website and entering all the required details. During the insurance claim application, you also need to submit the relevant documents and upload the proof of accident during claim filing. 
• Approval and Claim Settlement - Once you have successfully submitted your claim forms, the insurer conducts a survey and document verification. Later, your claim application will be approved and the recovery expenses will be paid to the authorised dealership through cashless claim settlement. 

Note - To have a cashless claim settlement, you need to visit an authorised service center or the dealership. No claims are settled for the repair at unauthorised dealerships. 

Documents Required for Kia Car Insurance Claim Process

As mentioned above, you need to submit various documents while filing an insurance claim. To have a hassle-free claim, keep adequate documents handy during the process. Following is the list of documents required during the Kia car insurance claim. 

• A duly filled Kia car insurance claim form,
• The details of your car insurance policy, including policy number and receipt,
• Kia car registration number,
• A copy of the police FIR and inspection report (For road accident claims),
• Survey and the police final investigation report.
• Owner’s driving license or the person driving the vehicle during the accident. 
• Supporting proofs such as video or images related to the accident.

Note - Your insurer may require additional documents for investigation and verification during the settlement process. It is advisable to contact your insurer, report your mishap, and ask for all the documents you need to submit.

Frequently Asked Questions