Kia Seltos Car Insurance

The Kia Seltos is a popular compact SUV loved by young professionals, small families and first-time SUV buyers across India. With its stylish looks, smart features, and smooth performance, it's perfect for city drives and highway trips. But owning this beautiful SUV means protecting it from unexpected damage and losses.

Imagine driving your Seltos through heavy monsoon rains when your car suddenly goes through deep water. The engine stops working and makes strange noises. Without proper Kia Seltos insurance, engine repairs could cost thousands. But with engine protection in your policy, insurance pays for all repairs.

Now consider another scenario where your Seltos might be stolen from a market. Losing your car to theft means losing your entire investment of lakhs of rupees. Your Kia Seltos car insurance protects you in such situations by paying the full Insured Declared Value (IDV) of your car.

IndusInd General Insurance (formerly Reliance General Insurance) makes protecting your Seltos simple. Our IndusInd Insurance App lets you buy insurance, renew policies, file claims and track everything from your phone. We have 11,000+ garages* for cashless repairs, and our team helps you 24/7* with your Kia Seltos insurance policy.

Why Us?

Why 5 Crore+ Policyholders Trust Us?

IndusInd General Insurance offers complete protection for your Kia Seltos with affordable premiums and smart features. Get instant policy purchase, easy claims and round-the-clock support to keep your SUV safe every day.

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15+ Add-On Covers Available

Customise your Kia Seltos 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 Kia Seltos Insurance?

Legal Mandate

Indian law requires that every car on the road have the appropriate insurance. The Motor Vehicles Act states that all Kia Selto drivers must have third-party insurance before they can properly drive. Without valid insurance of Kia Seltos, you could face fines up to ₹2,000 or even license suspension. Keeping your insurance up to date makes sure you follow the law and can drive with confidence

Repair Costs

The Kia Seltos has high-tech parts and components, so it's important to keep it in good shape. Regular use and occasional minor accidents can lead to repair costs ranging from ₹20,000 to ₹50,000 at authorised service centres. Your Kia Seltos car insurance handles these expenses by covering bodywork, painting, and part replacements.

Covers Car Theft

Protecting your valuable Seltos investment is essential, especially when parking in various locations throughout the day. Your Kia Seltos insurance policy provides comprehensive coverage that includes protection against unforeseen security incidents. If something unexpected happens, the insurance compensates you with the full Insured Declared Value of your vehicle.

Covers Floods, Storms, and More

India experiences various weather conditions, especially during the monsoon season, that can affect vehicles parked outdoors. Your insurance policy protects your Seltos against floods, storms, cyclones, earthquakes, and hailstorms that are beyond your control. The Kia Seltos insurance price you pay includes comprehensive coverage for all these natural events.

Covers Fire and Fire-Related Damage

Fire incidents, though uncommon, can cause complete damage to your Kia Seltos within a short time. These situations may arise from engine overheating, electrical system faults, or external fire spreading to your parked vehicle. Your insurance policy covers all types of fire damage, including accidental fires, explosions, lightning strikes, and self-ignition issues.

Network Garages and Spare Parts

IndusInd General Insurance works with over 11,000 authorised garages* spread across India for your convenience. If your Seltos needs repairs, all you have to do is take it to any network garage and get service without paying anything up front. These approved centres have original Kia parts in stock and hire trained technicians who know everything there is to know about your car.

Types of Kia Seltos Car Insurance Plans

Comprehensive Car Insurance

Comprehensive insurance gives complete protection for your Kia Seltos against almost everything. This plan covers accidents, natural disasters like floods and storms, fire damage and theft. It also handles third-party liabilities if you damage someone else's vehicle or property. For example, if your Seltos gets damaged in heavy rains and hits another car, this insurance for Kia Seltos handles both situations.

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Pay As You Drive Car Insurance

Pay As You Drive calculates the insurance cost for Kia Seltos based on actual kilometres driven. You choose a limit like 5,000 km or 10,000 km yearly and pay accordingly. This suits Seltos owners who don't drive daily or use their car mainly for weekend trips. For instance, if you work from home and drive only 6,000 km yearly, you save money compared to regular insurance.

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Third Party Car Insurance

Third-party insurance is legally required by the Motor Vehicles Act for all Kia Seltos owners. This basic coverage doesn't protect your own Seltos but covers your liability if you harm others. For example, if you accidentally hit another car or injure someone, your car insurance for Kia Seltos pays for their losses and medical bills. It's the most affordable but only covers legal liability.

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Own Damage Car Insurance

Own Damage insurance protects only your Kia Seltos without third-party coverage. This works if you already have separate third-party insurance. For example, if a tree falls on your Seltos during a storm, this insurance will pay for the necessary repairs. If you want to drive legally, you need to get separate coverage for third parties.

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Key Features

Key Features of IndusInd Kia Seltos Insurance

Get comprehensive car insurance for Kia Seltos from IndusInd General Insurance with affordable premiums, complete protection, and easy claims. Enjoy cashless repairs, multiple add-ons and 24/7 support to keep your Seltos safe on every journey you take.

Key Features

Key Features	Descriptions
Starting Premiums	₹238/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer toa your policy documents for more information

Inclusions & Exclusions

Kia Seltos Car Insurance: Inclusions & Exclusions

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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.

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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 Kia Seltos 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.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Keep Your Kia Seltos Protected

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Kia Seltos Car Insurance Add-On Covers

Add-ons give extra coverage for your Kia Seltos when basic insurance isn't enough. For instance, if you drive through waterlogged roads often, engine protection helps. At IndusInd General Insurance, we offer 13+ add-on covers to reduce the insurance cost of Kia Seltos while adding the protection you need.

Nil Depreciation Cover

Money Saver

This cover pays full replacement cost for plastic and rubber parts without depreciation deductions. Your Seltos gets complete protection for all body parts and panels during repairs.

Pay As You Drive

Money Saver

Pay a premium based on your actual yearly driving of your Seltos. Choose between 2,500 to 10,500* km limits and save money on your Kia Seltos car insurance costs easily.

Return to Invoice Cover

Money Saver

If your Seltos gets stolen or totally damaged, this cover pays the full original purchase price, including all taxes and registration fees you paid initially.

Engine & Gearbox Protection Cover

Extra Car Protection

Covers expensive engine repairs when water enters your Seltos engine during floods. Also protects against oil leaks, causing serious and costly engine damage to your SUV.

Tyre Protection Add-On Cover

Extra Car Protection

Covers repair and replacement costs when your Seltos tyres get damaged on bad roads or burst suddenly while driving in city traffic or on highways.

Key & Lock Replacement Cover

Extra Car Protection

Pays for new keys and locks when you lose your Seltos keys or they get stolen. Also covers smart key programming and reprogramming costs for replacement.

Consumable Expenses Add-On Cover

Money Saver

Covers small repair items like oils, bolts and brake fluids mechanics use while fixing your Seltos during service. These costs add up quickly during repairs.

RIM Protection

Extra Car Protection

Protects your Seltos wheel rims from damage caused by hitting curbs or driving on bad roads, which can bend and damage the rims permanently over time.

24/7 Roadside Assistance

Best Seller

Get help anytime when your Seltos breaks down on the road. Services include towing, fuel delivery and battery jump-start through our IndusInd Insurance IndusInd Insurance app or helpline number.

Loss of Personal Belongings

Extra Car Protection

Get money back if someone steals your laptop, phone or bags worth ₹5,000+* from your locked Seltos while parked anywhere in the city or outside.

Daily Allowance Benefit

Money Saver

Get daily cash when your Seltos stays in the garage for more than three days for major repairs. Use this money for taxis and other transport needs.

EMI Protection Cover

Money Saver

This cover helps pay your Seltos loan EMIs when major repairs take longer than 21, 42 or 63 days* in the garage for extensive repair work needed.

No Claim Bonus (NCB) Retention Cover

Money Saver

Keep your discount benefits even after making an insurance claim (up to 2 claims yearly*) for your Seltos. This saves money on future premium payments and renewals.

Electrical Accessories Cover

Extra Car Protection

Protects extra electrical items you add to your Seltos, like music systems, parking sensors and GPS devices that cost extra money to buy and install separately.

Non-Electrical Accessories Cover

Extra Car Protection

Covers custom parts like special seat covers, bumper guards and decorative items you add to make your Seltos look different and more stylish than the standard model.

EV Battery Protection

Extra Car Protection

Protects your electric Seltos battery against damage caused by accidents, water, moisture, power surge, mechanical shock or explosion problems that can occur unexpectedly.

Electric Motor Protect

Extra Car Protection

We cover repair costs if your electric Seltos motor is damaged due to short circuits, coolant leakage, water entering the motor, overheating or electrical failures.

Electric Vehicle Charger

Extra Car Protection

Helps pay for the repair or replacement of your electric Seltos home charging unit, whether damaged by rats, accidents, theft or natural disasters like floods.

How to Buy

How to Buy/Renew Kia Seltos Car Insurance?

Model - Car

Buy Online

On top of this page, enter the car registration and mobile number to get started.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Kia Seltos Car Insurance Premium

Your Kia Seltos Car's IDV

The IDV shows your Seltos's current market value, which insurers use to calculate your premium. When your Seltos is new, the IDV stays higher, so the Kia Seltos insurance renewal costs more. As your car ages, the IDV drops due to depreciation, meaning older Seltos models get lower premiums. You can customise your IDV within a range to balance adequate coverage and affordable costs.

Car's Make and Model

Kia Seltos is a popular compact SUV, and this affects your insurance premium rates. Insurance companies study how much Seltos spare parts cost and how often these models face accidents. Since the Seltos has excellent safety ratings and uses reasonably priced parts, your Kia Seltos insurance policy premium stays affordable compared to luxury SUVs. Higher variants with bigger engines have slightly higher premiums.

Type of Coverage

The Kia Seltos insurance plan type you select changes your yearly premium. Third-party insurance costs the least but only covers damages to others' cars and property. Comprehensive insurance costs more upfront because it protects your own Seltos from all damages completely. Your choice depends on your budget and how much protection you want for your SUV investment on the road.

Add-On Covers

Every add-on you choose increases your premium cost, but gives better protection. Engine protection and nil depreciation cost more initially, but save thousands during claims. The more add-ons you pick, the higher your yearly Kia Seltos insurance price becomes, but coverage gets significantly better. Choose add-ons based on your driving conditions and specific protection needs for your Seltos.

Claim History

When you complete your Kia Seltos insurance renewal, your claims history affects your new premium rates. If you haven't made any claims, you get a discount called a "No Claim Bonus." This lowers your premiums every year. But if you've filed claims before, the price will go up because the insurance company sees you as a riskier. Maintaining a claim-free record keeps your insurance costs low over time.

Adding Anti-Theft Protection to Your Car

Installing anti-theft devices in your Seltos helps reduce your premium costs when you renew*. Devices like car alarms, engine immobilizers and GPS tracking make your car safer from theft. Insurers give discounts when you install these security devices because they reduce theft claims against your Kia Seltos insurance policy.

Kia Seltos Key USPs

The Kia Seltos comes with advanced safety features like 6 airbags, ABS with EBD, electronic stability control and hill-start assist that protect you during drives. These safety technologies reduce accident risks on busy roads, which is great for your insurance premiums. When you drive a car with strong safety ratings like the Seltos, insurance companies view you as lower-risk. This positively affects your Kia Seltos insurance costs, especially with a clean driving record and no claim bonus benefits.

The Kia Seltos offers generous cabin space with comfortable seating for five adults, perfect for family trips and daily commutes. The roomy interior lets you safely store personal belongings, luggage and valuable items during travels. This matters for your insurance of Kia Seltos because comprehensive policies offer add-ons like loss of personal belongings cover, protecting items worth ₹5,000+* if stolen from your locked vehicle. The Seltos's practical design helps you use such insurance benefits effectively during journeys.

The Seltos delivers reliable performance with efficient petrol and diesel engines that suit a range of driving styles. Fuel economy and reliability reduce breakdowns and claims. Plus, when you take regular care of the car (like servicing on time), it rarely breaks down. This keeps your record clean, so you get a bigger No Claim Bonus discount every time you renew your Kia Seltos insurance.

Kia builds the Seltos with high-strength steel and quality materials, which makes sure long-lasting durability on rough Indian roads. This strong build means your SUV handles minor bumps without major damage, which reduces small repair claims. An well constructed car like the Seltos keeps its value better, which is good for your Insured Declared Value numbers. Strong building means that original parts last longer, which means that your Kia Seltos insurance claims will be lower and your premiums will stay lower.

How to File?

How to File a Kia Seltos Claims?

How to File

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

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.

Kia Seltos - Variants and Prices

The Kia Seltos offers multiple variants to suit different budgets and preferences. Choosing the right variant affects your car insurance for Kia Seltos premium. Here are all available Seltos variants with their ex-showroom prices.

Kia Seltos Models	Ex Showroom Price	Features
HTE (Base Model)	1497 cc, Manual, Petrol	₹10.99 Lakh
HTE Opt	1497 cc, Manual, Petrol	₹12.09 Lakh
HTE Diesel	1493 cc, Manual, Diesel	₹12.59 Lakh
HTE Opt TGDi iMT	1482 cc, Manual, Petrol	₹12.89 Lakh
HTK	1497 cc, Manual, Petrol	₹13.09 Lakh
HTE Opt iVT	1497 cc, Automatic, Petrol	₹13.39 Lakh
HTE Opt Diesel	1493 cc, Manual, Diesel	₹13.69 Lakh
HTK TGDi iMT	1482 cc, Manual, Petrol	₹13.89 Lakh
HTK Opt	1497 cc, Manual, Petrol	₹14.19 Lakh
HTK iVT	1497 cc, Automatic, Petrol	₹14.39 Lakh
HTK Diesel	1493 cc, Manual, Diesel	₹14.69 Lakh
HTK Opt TGDi iMT	1482 cc, Manual, Petrol	₹14.99 Lakh
HTE Opt Diesel AT	1493 cc, Automatic, Diesel	₹14.99 Lakh
HTK Opt iVT	1497 cc, Automatic, Petrol	₹15.49 Lakh
HTX	1497 cc, Manual, Petrol	₹15.59 Lakh
HTK Opt Diesel	1493 cc, Manual, Diesel	₹15.79 Lakh
HTK Diesel AT	1493 cc, Automatic, Diesel	₹15.99 Lakh
HTK Opt TGDi DCT	1482 cc, Automatic, Petrol	₹16.29 Lakh
HTX A	1497 cc, Manual, Petrol	₹16.69 Lakh
HTX iVT	1497 cc, Automatic, Petrol	₹16.89 Lakh
HTK Opt Diesel AT	1493 cc, Automatic, Diesel	₹17.09 Lakh
HTX Diesel	1493 cc, Manual, Diesel	₹17.19 Lakh
HTX TGDi DCT	1482 cc, Automatic, Petrol	₹17.69 Lakh
HTX A iVT	1497 cc, Automatic, Petrol	₹17.99 Lakh
HTX A Diesel	1493 cc, Manual, Diesel	₹18.29 Lakh
X-Line iVT	1497 cc, Automatic, Petrol	₹18.39 Lakh
GTX iVT	1497 cc, Automatic, Petrol	₹18.39 Lakh
HTX Diesel AT	1493 cc, Automatic, Diesel	₹18.49 Lakh
HTX A TGDi DCT	1482 cc, Automatic, Petrol	₹18.79 Lakh
X-Line TGDi DCT	1482 cc, Automatic, Petrol	₹19.19 Lakh
GTX TGDi DCT	1482 cc, Automatic, Petrol	₹19.19 Lakh
X-Line A iVT	1497 cc, Automatic, Petrol	₹19.49 Lakh
GTX A iVT	1497 cc, Automatic, Petrol	₹19.49 Lakh
HTX A Diesel AT	1493 cc, Automatic, Diesel	₹19.59 Lakh
X-Line Diesel AT	1493 cc, Automatic, Diesel	₹19.79 Lakh
GTX Diesel AT	1493 cc, Automatic, Diesel	₹19.79 Lakh
X-Line A Diesel AT	1493 cc, Automatic, Diesel	₹19.99 Lakh
X-Line A TGDi DCT	1482 cc, Automatic, Petrol	₹19.99 Lakh
GTX A Diesel AT	1493 cc, Automatic, Diesel	₹19.99 Lakh
GTX A TGDi DCT (Top Model)	1482 cc, Automatic, Petrol	₹19.99 Lakh

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 Kia Seltos is one of the most popular small SUVs in India. Young workers and families love it for its stylish look, high-tech features and dependability on both city roads and highways.

According to the Motor Vehicles Act of 1988, you are legally obligated to get insurance for your Kia Seltos. And with high accident rates approximately 55 accidents happen every hour, car insurance is essential. It protects your Seltos from unforeseen damage caused by road accidents, natural disasters, fires, and theft.

That's why we've made getting insurance for your Kia Seltos easy and affordable. Your Kia Seltos insurance policy starts at just ₹238/month* with IndusInd General Insurance. We offer different plans like comprehensive coverage, third-party insurance, own damage coverage and Pay As You Drive insurance that saves money based on actual usage.

\Your Kia Seltos insurance policy includes cashless repairs at 11,000+ network garages* across India and personal accident cover up to ₹15 lakhs for owner-drivers. You can add 13+ covers* like nil depreciation, engine protection and roadside assistance.

Buy or renew instantly through our IndusInd Insurance app, file video claims easily and get 24/7 support* whenever needed.

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IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Mahindra car insurance starting at just ₹238 per month*!

Protect Your Seltos From the Unexpected

Repairs and accidents can be expensive. Cover your Kia Seltos with our complete insurance plans. Get easy claims, free garage repairs, and help anytime you need it.

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Frequently Asked Questions (FAQs)

Is insurance on a Kia expensive?

No, the Kia Seltos insurance price is quite affordable. Insurance for Kia Seltos starts at just ₹238/month with IndusInd General Insurance. The actual cost depends on your car's variant, IDV, coverage type, and add-ons you choose for protection.

What documents are required to buy motor insurance?

To buy insurance for Kia Seltos, you need your car's registration certificate (RC), previous insurance policy (for renewals), driving license, PAN card, Aadhaar card, and vehicle invoice (for new cars). Upload these documents online for quick processing.

Which policy is good for cars?

Comprehensive insurance is the best policy for cars as it covers your own vehicle damage plus third-party liabilities. For Kia Seltos, comprehensive insurance protects against accidents, fire, natural disasters, theft and includes personal accident cover for complete protection.

Can I transfer my Kia Seltos insurance?

Yes, you can transfer your Kia Seltos insurance when selling your car. Contact IndusInd General Insurance, provide details of the new owner and submit necessary documents. The transfer process ensures continuous coverage and may affect your Kia Seltos car insurance price for your next vehicle.

How much does Kia Seltos insurance cost?

The Seltos car insurance price varies based on factors like variant, location and coverage type. Our IndusInd car Insurance policy for a new Kia Seltos typically starts from ₹238/month*. Use our online calculator for an accurate Seltos car insurance quote.