Hyundai Creta Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Hyundai Creta car insurance policy online
The Hyundai Creta is known for its comfort, reliability, and design—but maintaining it goes beyond regular servicing. Rising repair costs and unpredictable road risks make having the right Hyundai Creta car insurance essential. Many owners, however, struggle to understand the actual Creta insurance cost per year, how the Creta insurance price varies by model, or what affects Creta insurance renewal cost. Choosing between comprehensive and third party insurance prices often adds to the confusion.
To simplify this process, Zurich Kotak General Insurance Company (India) Limited offers transparent and easily accessible coverage options for your Hyundai Creta insurance. With quick online purchase and renewal, clear pricing, and a smooth claims experience, Zurich Kotak makes car insurance simpler and more dependable, so you can focus on enjoying your drive, not worrying about the details.
Why do you need Hyundai Creta car insurance?
Having Hyundai Creta car insurance isn’t just a formality, it’s a smart way to protect your finances and your car from unexpected setbacks. Whether it’s an accident, theft, or damage from floods or fire, a good insurance plan ensures you’re never left handling hefty repair bills on your own. It also takes care of third-party liabilities and keeps you legally compliant on the road.
With Hyundai Creta insurance rates rising each year, choosing the right coverage becomes even more important. The right policy doesn’t just tick a box, it offers practical protection that fits your driving habits, location, and budget. At Zurich Kotak, you’ll find clear, affordable, and flexible Hyundai Creta insurance plans designed to give you complete peace of mind every time you drive.
Ask Zurich Kotak
Benefits of buying Hyundai Creta car insurance online
Buying Hyundai Creta car insurance online offers more than just convenience, it gives you control, clarity, and quick access to protection for your vehicle. Here’s how going digital makes your insurance experience simpler and smarter:
Why should you buy car insurance policy?
Mandatory by Law
In India as per Motors Vehicle Act 1988, it is legally required to have at least third-party car insurance to drive a vehicle. Under the Motor Vehicles Act, driving without valid insurance can lead to fines of ₹2,000 for the first offence and ₹4,000 for subsequent offences, along with potential disqualification of your driving license or even imprisonment.
Rising Traffic
Growing population and the preference for private vehicles over public transport have resulted in congested roads and an increased risk of accidents. Having a valid car insurance policy ensures financial protection against third-party liability such as bodily injury or property damage caused to third party by the insured vehicle.
Protection Against Financial Losses
Comprehensive car insurance not only fulfils legal requirements but also covers damages to your own vehicle due to accidents, natural calamities, theft, or vandalism. It saves you from unexpected repair costs, which can be significant.
Cashless Repairs
Opting for reliable car insurance providers like Zurich Kotak General Insurance gives you access to a wide network of cashless garages. This means you can get your vehicle repaired without paying directly to the garage as the insurance company settles the bill directly with the garage.
Compliance with Vehicle Inspection Requirements
Regular insurance renewals often include inspections to ensure your vehicle is in good condition. This indirectly promotes better vehicle maintenance and safety on the road.
Penalty for Expired Policies
Driving with an expired insurance policy can also result in hefty fines and legal complications in case of an accident. Renewing on time ensures continuous protection and avoids penalties.
Peace of Mind
With reliable vehicle insurance policy, you can drive confidently, knowing you’re protected from financial and legal risks.
Types of Hyundai Creta car insurance plan
Choosing the right Hyundai Creta car insurance plan depends on how much protection you want for your vehicle and your budget. Each plan serves a different purpose, offering a balance between legal compliance and comprehensive coverage.
This plan offers the broadest level of protection for your vehicle. A comprehensive car insurance policy covers third-party liabilities along with damages to your own car caused by accidents, theft, fire, or natural disasters. It’s ideal for owners looking for complete financial security and lower out-of-pocket expenses in case of unforeseen events.
A third-party car insurance policy is the minimum legal requirement in India. It covers the cost of injury, death, or property damage to a third party if your Creta is involved in an accident. While it doesn’t cover your vehicle’s own damages, it ensures compliance with traffic laws and offers essential financial protection.
If you already have a third-party policy, a own damage cover helps protect your Creta against damages from accidents, natural calamities, or theft. It gives you the flexibility to strengthen your protection without increasing your Hyundai Creta insurance cost unnecessarily.
Get Quick Support
I’m here to help.
premium? I'm here to help.
Hi there, how can we help you?
I wanna know about my premium car
What's covered/not covered under the Hyundai Creta car insurance policy?
When you buy or renew your Hyundai Creta car insurance with Zurich Kotak, it's important to know what's included and what's not. Understanding these details helps you make informed decisions about your Hyundai Creta insurance cost and coverage.
Accidental Damage
Covers repair or replacement costs if your car is damaged due to unexpected collisions or impacts.
Fire, Explosion & Self-Ignition
Protects your vehicle against losses caused by fire, explosion, or spontaneous ignition.
Theft & Total Loss
Offers compensation up to the Insured Declared Value (IDV) if your Hyundai Creta is stolen or declared a total loss.
Natural & Man-Made Calamities
Provides cover against damage from floods, storms, earthquakes, riots, and other natural or man-made disasters.
Third-Party Liabilities
Covers legal liabilities for injury, death, or property damage caused to third parties by your insured car.
Personal Accident Cover
Provides financial protection for the owner-driver in case of accidental injury or death, as per the policy terms.
Mechanical & Electrical Failures
Damage caused solely by mechanical or electrical breakdown or normal wear and tear is not covered.
Consumables & Excessive Labour Costs
Expenses related to consumables such as oil, nuts, and bolts, or excessive labour charges are excluded.
Driving Without Licence / Under Influence
Claims are not accepted if the driver does not hold a valid licence or is under the influence of alcohol or drugs.
Racing or Unauthorised Commercial Use
Coverage does not extend to vehicles used for racing or unauthorised commercial purposes such as ride-sharing or delivery.
War & Nuclear Risks
Losses caused by war, nuclear incidents, or related risks are excluded from the policy.
Intentional or Fraudulent Damage
Any deliberate damage or fraudulent claims will lead to rejection of the claim.
Normal Wear & Tear
Routine ageing and depreciation of vehicle parts are not included.
Out-of-Territory Accidents
Incidents occurring outside the geographical limits specified in the policy are not covered.
Available add‑ons & enhanced covers
Depreciation Cover
This add-on ensures you receive the full approved claim amount for replaced parts without any depreciation deductions. It helps maximise your payout during repairs, especially after accidental damage
Engine Protect
Useful during heavy monsoons, this cover includes repair or replacement costs for engine and gearbox damage caused by water ingression, oil leakage or unexpected mechanical failure.
Roadside Assistance Cover
Ideal for daily city travel, this cover gives you 24×7 support for towing, battery jump-starts, flat-tyre changes, emergency fuel delivery and minor mechanical fixes whenever your vehicle breaks down.
No Claim Bonus (NCB) Protection
Preserves your NCB benefits even after a claim.
Return to Invoice
In case of theft or total loss, this add-on pays the difference between your car’s invoice value and its insured declared value, helping you recover the original purchase amount.
Towing Assistance
Covers expenses for towing your car to the nearest garage after an accident or breakdown.
Consumables Cover
Covers the cost of consumable items such as oils, nuts, bolts, brake fluids, AC gases and filters that are replaced during authorised claim-related repairs.
Loss of Personal Belongings
Provides compensation for personal items that are stolen or damaged inside the insured vehicle during a covered incident, subject to policy limits.
Tyre Protect
Covers repair or replacement of tyres and tubes damaged due to road debris, potholes or accidental impact, excluding regular wear and tear.
Clutch Protect
Includes repair or replacement of the clutch assembly and related components if they get damaged due to clutch burn, reducing unexpected repair expenses.
Key Replacement
Reimburses the cost of replacing lost or stolen car keys, including reprogramming expenses for smart or electronic keys.
Why choose Zurich Kotak General Insurance for vehicle insurance?
Protect your vehicle today with our reliable car insurance and enjoy peace of mind on the road.
Wide network of cashless garages for seamless repairs.
Quick and hassle-free online purchase process.
Comprehensive coverage with customisable add-on covers.
24/7 customer support to assist you every step of the way.
How to buy or renew Hyundai Creta insurance policy?
Buying or renewing your Hyundai Creta car insurance with Zurich Kotak is quick and convenient. You can complete the entire process online in just a few steps.
For Creta insurance renewal, log in using your policy number or customer ID and renew your existing plan within minutes.
Visit the Zurich Kotak Car Insurance page.
Click on the car insurance section to start your purchase or renewal process.
Enter your car details.
Provide your Hyundai Creta’s registration number, make, and model to get an accurate car insurance quote.
Get a quote.
Instantly view your Hyundai Creta insurance cost per year and compare available plans.
Select your preferred plan.
Choose the coverage that best fits your needs and add any additional protection you require.
Make the payment.
Complete the payment securely online to receive instant policy confirmation.
Download Now
Download Now
Cut the wait time
Intimate Claim
Quick Verification
Instant Settlement
Reviews & Ratings
Look what they have to say
We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.
Car Insurance
5 | 4 months ago
Car Insurance
5 | 4 months ago
Car Insurance
5 | 4 months ago
Factors impacting the premium of Hyundai Creta car insurance
Several key factors influence the Hyundai Creta car insurance premium. Understanding these helps you make informed decisions and manage your insurance costs effectively.
How to renew hyundai creta car insurance for an old car
Renewing your Hyundai Creta car insurance for an older vehicle with Zurich Kotak is simple and straightforward. If your policy has not been expired for long, you can renew it online without inspection.
Renewing your Hyundai Creta insurance with Zurich Kotak keeps your car protected against damages, accidents, and third-party liabilities while ensuring uninterrupted coverage.
Visit the Zurich Kotak website.
Go to the car insurance renewal section for older cars.
Enter your details.
Provide your existing policy number or customer ID along with your mobile number, and click on ‘Submit’.
Verify your policy details.
Your details will be verified, allowing you to review your existing policy and make changes if required.
Choose your renewal plan.
Select the plan that suits your Hyundai Creta’s age and condition.
Make the payment.
Pay the renewal premium online to activate your policy instantly.
Documents required for filing a car insurance claim
To raise a motor insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to download your Hyundai Creta car insurance policy copy?
Here is your step-by-step guide to access your policy copy
Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
Visit the Website
Enter Policy Number
Enter Contact Details – Use your registered mobile number or email ID
Get OTP – Click to receive an OTP for verification.
Download Policy Copy – Enter the OTP and download your digital car insurance policy document instantly.
Zurich Kotak General Insurance cashless network garages
Allows you to repair your vehicle at network garages without paying upfront, with the insurer settling the bill directly with the garage.
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
Head over to our learning centre
Other quick links
Easy access to more, check out these quick links
Car insurance for your favorite brands
We've got you covered with car insurance for your favorite brands
Car insurance by city
Your city, your coverage so you pick the right car insurance!
Frequently Asked Questions
Renew your Hyundai Creta car insurance online by visiting your insurer’s official website, entering your policy number or vehicle registration details, reviewing your Insured Declared Value (IDV), and selecting any desired add-ons. Once the payment is completed, your renewed policy document is emailed instantly, ensuring uninterrupted coverage. For Zurich Kotak customers, the process is particularly seamless, with instant verification, flexible payment options, and prompt delivery of policy documents to your registered email address.
Yes, Zero Depreciation Cover is highly beneficial for Hyundai Creta owners, especially for vehicles up to five years old. It ensures full claim settlement on replaced parts without deducting depreciation, significantly reducing out-of-pocket repair costs after accidents. This add-on enhances financial protection beyond the standard policy coverage and is strongly recommended for new or relatively new cars.
Yes, you can transfer your No Claim Bonus (NCB) to your new Hyundai Creta when you renew or purchase insurance within the renewal period. The NCB rewards claim-free years from your previous policy and helps lower your premium, encouraging safe and responsible driving habits.
The Insured Declared Value (IDV) represents the current market value of your Hyundai Creta. It is calculated by deducting depreciation, based on the vehicle’s age and variant, from its original price. This amount is the maximum sum payable in cases of total loss or theft and directly influences the premium of your car insurance policy.
The cost of Hyundai Creta car insurance varies depending on factors such as the city of registration, vehicle variant, coverage type, and selected add-ons. On average, comprehensive premiums range between INR 14,000 and INR 45,000 annually. Third-party liability insurance is more affordable but provides limited protection. Zurich Kotak offers competitive premiums with value-added benefits and attractive discounts for policyholders.
A comprehensive car insurance policy covers damages to your Hyundai Creta resulting from accidents, theft, third-party liabilities, and natural disasters such as floods or earthquakes. It also includes personal accident cover for the owner-driver, providing extensive financial protection against unforeseen risks.
Yes, some insurers, including Zurich Kotak, may allow policy renewal without physical inspection for relatively new Hyundai Creta cars or renewals made online within the grace period. However, the insurer may still request an inspection depending on the vehicle’s condition and policy terms.
You can check your policy status online by logging into your insurer’s website or mobile app using your policy number or vehicle registration details. Zurich Kotak provides instant access to policy status, renewal options, and downloadable policy documents through its digital platform.
Yes, roadside assistance is available either as an add-on or included in some comprehensive plans. It offers services such as towing, fuel delivery, battery jump-starts, and minor on-site repairs, ensuring safety and convenience during emergencies.