Hyundai Creta car
insurance starting at just ₹238/month*
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Up to 90% Discount
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11,000+ Network Garages
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Buy, Renew & Claim on App
Hyundai Creta Insurance
The Hyundai Creta is a popular crossover SUV known for its impressive dimensions and distinctive design. The SUV comes with advanced safety technologies, efficient powertrains, and an ergonomic design. The car is designed to meet the varying needs of young individuals, families, and empty-nesters. Even after so many features, the car is prone to various unexpected incidents.
For instance, during heavy rains, Hyundai Creta drivers often face slippery roads where the car can skid and hit another vehicle. Such accidents can damage both your Creta’s body and nearby vehicles, leading to hefty repair costs. A comprehensive car insurance policy protects your Creta from these expenses and also covers your financial liability for third-party damages.
Considering this, we at IndusInd General Insurance (formerly known as Reliance General Insurance) offer a car insurance plan to vehicle owners based on their needs. With our unique 15+ add-ons, including 3 EV add-ons, we ensure that Hyundai Creta owners get enhanced vehicle coverage.
With our IndusInd Insurance app, you can access the Hyundai Creta insurance at your fingertips, from downloading the policy documents, filing a claim, to carrying out self-inspection and more.
IndusInd General Insurance offers customised car insurance plans with access to unique add-ons, a strong cashless garage network, a high claim settlement ratio and more, to offer all-round protection to your Hyundai Creta.
15+ Add-On Covers Available
Customise your Hyundai Creta insurance.
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature Available
File claims via the IndusInd Insurance app
24/7 Customer Assistance
Get support from anywhere in India
Why Do You Need Hyundai Creta Insurance?
Legal Mandate
Vehicle owners in India need to have a third-party car insurance before getting on the road. Driving without a third-party plan can invite fines and penalties from the traffic authorities. The fine ranges between ₹2,000 - ₹4,000 based on the severity of the traffic rule violation, and in some extreme cases, it can also lead to imprisonment. Therefore, having this insurance is mandatory for Hyundai Creta owners.
Covers Car Repairs
Creta is loved for its smooth drive, roomy cabin, and ability to handle city traffic. But long trips or rough patches can sometimes cause dents, scratches, or even tyre damage. Repairs for these issues can quickly add up. A comprehensive Hyundai Creta car insurance plan helps take care of such expenses, covering damages to your own car and others involved, so you can focus on enjoying the ride without financial stress.
Covers Car Theft
Creta is an investment for vehicle owners, with its starting price range of ₹11,11,293 for the base variant. This makes it an easy target for theft. There have been multiple cases of car theft in Delhi and Mumbai. To protect your car from incidents like theft, it is essential to have our comprehensive car insurance plan. We also offer unique add-ons like return-to-invoice covers, where you get a full reimbursement amount.
Covers Flood Damage
Intense monsoon downpours can turn roads into deep pools, posing a real challenge for Creta owners. Water can seep into the engine or damage key components, leading to costly repairs. Choosing our car insurance plan with an engine protection add-on helps keep your Creta safe from these risks. It covers expenses caused by floods or storm damage, so you can drive with confidence, no matter how unpredictable the weather gets.
Covers Fire Damage
A fire in your Hyundai Creta, whether from faulty wiring or an unexpected short circuit, can ruin vital parts and lead to heavy repair costs. Having a good car insurance policy ensures you are protected from losses caused by fire, sparing you from paying out of pocket for expensive repairs or replacements. With our car insurance plan, you are financially safe if an accidental fire damages your vehicle.
Network Garages and Spare Parts
Finding a garage for the Creta is easy since it is a popular vehicle in the SUV segment. There are various local and authorised garages for Creta servicing and repair. However, the legitimacy of parts and materials used in these garages can be questionable. We at IndusInd General Insurance offer a wide network of over 11,000 authorised garages, where only authentic parts and materials are used for vehicle servicing.
Types of Hyundai Creta Insurance Plans
Comprehensive Car Insurance
This plan offers all-around protection to your Creta. With this plan, you can protect your vehicle from third-party and property damage as well as vehicle own-damage. For instance, your vehicle is involved in a collision, which causes damage to your vehicle and other vehicles. Such incidents are covered under our car insurance plan. We also provide unique add-ons to enhance the vehicle coverage.
Pay As You Drive Car Insurance
This is another car insurance plan where the premium is paid based on usage. It means you need to pay a car insurance premium depending on how much you drive your Creta per year. With the IndusInd PAYD car insurance plan, you can choose a kilometres limit between 2,500–10,500 km* and also get a 125 km grace buffer*. You can also carry forward the unused kilometres and top up the kilometres.
Third Party Car Insurance
For Hyundai Creta owners looking for essential protection at a low cost, third-party car insurance is a smart choice. It is mandatory coverage by law and carries penalties for driving without it. We at IndusInd General Insurance offer a third-party car insurance plan with a 3-year policy option, paying the premium once and enjoying uninterrupted cover. It is a practical way to stay legally compliant while avoiding unexpected expenses on the road.
Own Damage Car Insurance
It is a standalone policy that protects your Hyundai Creta from damage and losses. This plan goes well with the third-party car insurance plan. With this plan, you will be protected against your own vehicle caused by fire, natural hazards, theft, etc. We at IndusInd General Insurance offer short-term plans of up to 1 month and long-term plans of up to a year, tailored to your needs.
The Hyundai Creta is a practical vehicle for a big family for short and long commutes. Whether you are navigating city traffic or cruising on the highway, we at IndusInd General Insurance offer features that suit your driving needs.
What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.
Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your Hyundai Creta except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
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Hyundai Creta Insurance Add-On Covers
To protect your expensive investment against various damages and losses, it is crucial to have add-on covers like roadside assistance, consumable cover and so on. For instance, if you want to receive maximum compensation during the claim, nil depreciation is a beneficial add-on. With add-ons, you can enhance the Hyundai Creta insurance coverage based on your car's unique needs. Considering this, we at IndusInd General Insurance offer 15+ unique add-ons, including 3 EV add-ons for your vehicle.
Nil Depreciation Cover
The nil depreciation or zero depreciation add-on for the Hyundai Creta offers full reimbursement on depreciable parts like rubber, plastic, etc. It is a useful add-on as it increases the vehicle's claim settlement amount.
Pay As You Drive
Those who drive their Hyundai Creta occasionally can opt for this add-on, where the premium is calculated based on the kilometres driven. In this add-on, you can select the 2,500 to 10,500 km* range based on your needs.
Return to Invoice Cover
If the Creta suffers a full loss due to an accident or theft, then this add-on will give the full original invoice value of the car. It includes the taxation and registration fees vehicle owners pay at the time of purchase.
Engine & Gearbox Protection Cover
The Creta comes with a powerful diesel and petrol engine. Repair of such engines can be expensive in case of damage. With the engine and gearbox protection cover, you can protect your vehicle against such hefty expenses.
Tyre Protection Cover
If you drive your Hyundai Creta regularly on poor roads with potholes, it can cause damage to the car tyres. With a tyre protection add-on, you can save on expensive expenses for tyre repairs and replacements.
Key & Lock Replacement
The Creta key fobs are expensive. If your car key is lost, damaged or stolen, then you do not need to spend extra money on its replacement. This add-on will cover the cost of replacing keys.
Consumable Expenses Cover
It covers the cost of consumables such as nuts, bolts, engine oil, etc used during repairs. For Creta owners who drive through traffic or dusty city roads, it helps handle the additional expenses on small components.
RIM Protection Cover
You can keep Creta’s alloy or steel wheels safe. Standard car insurance usually doesn’t pay for rim damage, but this cover shields them from scrapes, dents or cracks caused by rough or uneven roads.
24/7 Roadside Assistance
A sudden breakdown of your Creta can happen anytime without prior warning. With this add-on, you can get help for flat tyres, towing, jump-starting the battery or even arranging fuel, so you’re never stranded.
Loss of Personal Belongings
Individuals who use the Creta for work commute carry their personal belongings like a laptop, mobile phone, etc., in a vehicle. If you have lost these items, this add-on will reimburse you for items worth ₹ 5,000 or more.
Daily Allowance Benefit
Suppose the Hyundai Creta repairs at an authorised workshop take longer than three days. Then the Daily allowance add-on reimburses alternate travel costs like cabs, buses or trains until your Creta is back on the road.
EMI Protection Cover
If you have financed your Creta, long repair timelines can make loan payment stressful. This add-on helps by covering your loan installments for the duration mentioned in your policy if the vehicle remains in the garage.
No Claim Bonus Cover
No claim bonus is the reward policyholders get for not claiming policy tenure. With the no-claim bonus protection cover, you can make up to 2 claims per year during the policy tenure and still enjoy the accumulated bonus.
Voluntary Deductible
Choose a fixed amount to pay yourself during claims and get a lower Hyundai Creta premium every year. A smart pick for careful drivers who drive safely and rarely make any claims at all.
Replacement Car
Get a temporary car while your Hyundai Creta is being repaired at the garage after an accident. Keep your daily commute, office trips and school runs completely smooth and uninterrupted throughout the entire repair period.
EV Battery Protection
It is for the Creta electric variant. With this add-on, you can protect your EV battery from water ingress, power surges, etc. This provides a crucial safety net for owners, saving them from hefty battery expenses.
Electric Motor Protect
Electric motor repairs can be expensive and need trained specialists. The add-on pays for repairs or replacement if your EV’s motor gets damaged by water, short circuits, or overheating.
EV Charger Cover
This add-on helps you recover the cost of fixing or replacing your EV charger if it suffers damage from fire, theft, or sudden power fluctuations. Because installing or repairing a home charging station can be expensive.
Preferred Network Garage Benefit
Get your Hyundai Creta repaired at the top selected trusted garages with priority service every single time. Enjoy faster repairs, quicker claim approvals and much less paperwork so your car is back on the road sooner.
Hospital Cash Cover
Get daily cash support right away if you are hospitalised after a serious Hyundai Creta accident. Covers room charges, medicines and test fees so unexpected hospital bills never become a financial burden during your recovery.
Up to 90% Discount*
Easy Video Claims via App*
11,000+ Network garages*
Factors Affecting Hyundai Creta Premium
The Hyundai Creta insurance premium is decided based on various factors such as IDV, insurance type, add-ons, etc. Here we have listed down some parameters that can affect the Hyundai Creta insurance premium, so you can make informed decisions.
Hyundai Creta IDV
The Hyundai Creta’s insured declared value is the current market value of the vehicle chosen at the time of the buying plan. The higher IDV means the higher car insurance premium. Hence, it is crucial to choose IDV carefully.
Type of Coverage
The type of coverage also affects the car insurance premium. For instance, third-party car insurance offers basic coverage, which is why the premium is lower. Comprehensive car insurance has a higher premium because of enhanced coverage.
Include Add-ons
Add-ons are voluntary offerings that can enhance the vehicle insurance coverage for a marginally increased premium. The more add-ons you include in your car insurance plans, the higher the premium will be.
Make and Model
The Hyundai Creta's make and model, as well as its engine capacity, fuel type, manufacturing year, and vehicle usage, can also affect the premium. For instance, the vehicle used for commercial purposes has a higher premium.
Claim History
A clean driving history also helps lower car insurance premiums. For instance, fewer or no claims during policy tenure result in the no-claim bonus discount, which lowers the Hyundai Creta car insurance price.
Anti-theft Devices
Anti-theft devices are a great way to lower the car insurance premium, as they lower the risk of car theft. Insurance providers offer discounts to customers who have installed the anti-theft device on their car.
Insure the Best Parts of Your Hyundai Creta Car
Step 1: Inform Us
You must inform us within 24 hours and and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.
Step 2: Claim Verification
Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.
Step 4: Claim Approval
Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.
Step 5: Bill Settlement
After we approve, we pay the bill directly to the garage and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.
Step 2: Visit Garage
Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
Step 3: Register Claim
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
Step 4: Upload Documents
As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate
Step 5: Money Transfer
Upon approval, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Hyundai Creta - Models and Prices
Depending on the fuel type and transmission, the Hyundai Creta are available in multiple variants. From off-road touring to a long weekend getaway, the Hyundai Creta is a suitable vehicle for friends and family. Here is the list of variants of the Hyundai Creta.
Hyundai Creta | Price (as of August 2025)# |
|---|---|
Hyundai Creta E | ₹11,11000 |
Hyundai Creta EX | ₹12,32000 |
Hyundai Creta E Diesel | ₹12,69000 |
Hyundai Creta EX (O) | ₹12,97000 |
Hyundai Creta S | ₹13,54000 |
Hyundai Creta EX Diesel | ₹13,91000 |
Hyundai Creta EX(O) iVT | ₹14,37000 |
Hyundai Creta S (O) | ₹14,49000 |
Hyundai Creta EX (O) Diesel | ₹14,56,000 |
Hyundai Creta S (O) Knight | ₹14,62,000 |
Hyundai Creta S (O) Knight DT | ₹14,77,000 |
Hyundai Creta S Diesel | ₹15,00,000 |
Hyundai Creta SX | ₹15,47,000 |
Hyundai Creta SX DT | ₹15,62,000 |
Hyundai Creta EX (O) Diesel AT | ₹15,96,000 |
Hyundai Creta S (O) iVT | ₹15,99,000 |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
The Hyundai Creta car is a perfect car for small and midsize families who want to enjoy an exhilarating driving experience. The Creta comes with a bold, modern, and functional design perfect for everyday commuting. With its price range starting from ₹ 11,11,000, the car is a significant financial decision for individuals and families.
That is why having car insurance is crucial to safeguard the asset from unexpected damages and losses. With a comprehensive car insurance plan from IndusInd General Insurance (formerly known as Reliance General Insurance), you can offer to protect your Hyundai Creta from losses and damages resulting from accidents, collisions, floods, etc.
Not just this, you will also get mandatory third-party coverage with our comprehensive car insurance plan that safeguards your financial liability for third-party and property damage caused by the insured Hyundai Creta. With add-ons like roadside assistance, you can get services like fuel delivery, jump start, etc, even in remote areas.
Using the IndusInd Insurance app, policyholders can access their Hyundai Creta insurance plan in just a couple of minutes. Whether you want to download a policy document or file a claim, you can do it without any hassle. With this in mind, get a customised and affordable Hyundai Creta Insurance plan with us now!
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like IndusInd Limit Sure-Pay As You Drive.
Comprehensive Car Insurance/Car Insurance UIN: Details mentioned here are for the product- IndusInd Private Car Package Policy. UIN: IRDAN103RP0010V02100001; IndusInd Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; IndusInd Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.
Own Damage UIN: Details mentioned here are for the product- IndusInd Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819
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