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Hyundai Xcent Insurance
The Hyundai Xcent is a subcompact sedan car model produced by the South Korean automaker Hyundai. It was first launched in India in 2014 and has been a popular choice among Indian car buyers. The Xcent is known for its sleek and stylish design, fuel efficiency, and spacious interior. It is available in a range of petrol and diesel engine options, with manual and automatic transmission options.
However, in 2020, Xcent was discontinued and replaced with Hyundai Aura. If you own the Hyundai Xcent for it has become your passion, it is crucial to stay insured, as it provides financial protection in case of accidents or damage and offers peace of mind while driving.
In India, you can buy stand-alone own damage, third-party liability, or comprehensive car insurance policies. A stand-alone own damage car insurance policy only covers the damages caused to the insured vehicle. Third-party liability insurance provides financial protection for third-party damages and liabilities caused due to your insured vehicle. And finally, comprehensive car insurance provides coverage for your insured vehicle while including third-party liabilities.
Motor insurance policies include coverage for accidents, natural disasters, theft, and fire, among other incidents, based on the individual policy terms and conditions. In addition, you can raise the coverage scope by adding riders by paying an additional premium. Therefore, comparing different insurance options and choosing a policy that best suits your needs and budget is vital. At Tata AIG, we offer a range of product solutions that provide financial coverage against various unforeseen circumstances with customisable features.
Hyundai Car Insurance Renewal/Buy via Tata AIG
The cost of repairing a discontinued model, like the Hyundai Xcent, is always high due to the difficulty in locating spare parts. If you own this model and are driving it without insurance, you must get one immediately to avoid legal or financial troubles. Here are the quick steps to getting Hyundai car insurance online with us.
Visit the official website of Tata AIG, navigate to the “All Products” option, and select Car Insurance under Motor Insurance or click the four-wheeler insurance page for the Hyundai Xcent insurance.
On the displayed webpage, you will find "Get Price" and "Renew" options.
If you are insuring your Hyundai Xcent for the first time or switching from another insurer to Tata AIG, click "Get Price." Then on the new screen, enter your vehicle's registration number and click the "Get Price" button.
If you are on our website to renew your membership, you must select the "Renew" option. You will be directed to a new page where you must enter your Hyundai Xcent registration information and then click the "Renew" button.
Now, fill out the renewal/purchase form with the necessary information.
Determine your Hyundai Xcent's Insured Declared Value (IDV) using our car insurance calculator and enter the result by selecting it from the drop-down menu.
Share your Xcent's claim history. If you have spent a claim-free insurance period, use the No Claim Bonus (NCB) while paying for coverage and avail of a discount of 20-50%.
Choose riders, such as engine protection or roadside assistance, based on your requirements.
Review the Hyundai Xcent quotation and make changes as needed.
Pay by selecting one of the digital payment options on the screen.
Once your payment is confirmed, you will receive a confirmation email with a copy of your policy.
If you are not comfortable with online renewal for any reason, you can visit our local branch or contact a registered motor insurance agent. However, keep in mind that the involvement of middlemen (agents) who earn commission on renewal/purchase raises your car insurance policy premium slightly.
Hyundai Xcent Insurance Cost– Your Premium Amount
Motor insurers in India offer three insurance products with various riders to extend protection to your Hyundai Xcent. The premium for each of these products is computed differently.
The Insurance Regulatory and Development Authority of India (IRDAI) is in charge of deciding the premium for third-party liability insurance. It is determined by the engine’s cubic capacity.
The premium for a comprehensive car insurance policy is determined by the individual insurance providers based on the following factors:
Insured Declared Value (IDV)
Age Of The Car
Make and Model
IDV is one of the most significant factors. It refers to the present market value of your Hyundai Xcent. It is determined by deducting the depreciation from the original sales invoice. It is the maximum amount you can claim for your Hyundai XCent if it is stolen or suffered a complete loss. It is directly proportional to the premium, which means a higher IDV attracts a higher premium cost.
Add-ons for Hyundai Xcent Car Insurance by Tata AIG
Riders are additional coverage options available in exchange for an extra premium if you have comprehensive or standalone own-damage coverage. Individuals having Tata AIG Hyundai Xcent car insurance can choose any or all of the following riders at the time of renewal.
Roadside assistance cover
Add-on for No Claim Bonus protection
Daily allowance cover
Key replacement cover
Rider for emergency hotel expenses and transport
Add-on for repairs of plastic, glass, and fibre parts
Engine secure cover
Tyre secure cover
Add-on for consumables expenses
Add-on for loss of personal belongings
Return to invoice cover
Zero depreciation cover
Things Covered and Not Covered under Tata AIG’s Hyundai Xcent Insurance
Each motor insurer offers nearly identical coverage with only minor variations. They differ in terms of premium amount, available riders, and car insurance claim settlement process. In case you are curious about the scope of coverage, particularly for Tata AIG Hyundai Xcent insurance, the details are provided below.
|Things Covered under Tata AIG Hyundai Xcent Insurance
|Things Not Covered under Tata AIG Hyundai Xcent Insurance
|We cover third-party injuries or property damages caused by your insured Hyundai Xcent.
|Our Hyundai Xcent insurance policy excludes unavoidable wear and tear, such as rusting, ageing, and electrical or mechanical damage to your four-wheeler.
|We reimburse repair costs for collision-related damages to your four-wheeler in the event of an accident.
|Any damage to your car or third-party property caused by your driver's intoxicated driving is not covered by our policy.
|We pay for the medical bills for treating injuries to the driver/passengers in the insured Xcent per the terms of the personal accident coverage in the policy. In the event of death, the nominee of the deceased policyholder will receive a lump sum.
|If your Xcent caused the accident on purpose or the damage was incurred while engaging in illegal activity, our policy benefits do not apply.
|We cover damage caused by natural disasters like landslides, floods, earthquakes, cloudbursts, and cyclones.
|Any damage sustained will not be covered if you drive your insured four-wheeler outside the geographical boundaries specified in the policy or use it in an unauthorised area.
|Any damage to your Hyundai Xcent sustained because of uninsured third-party negligence is subject to our policy inclusion.
|Our coverage becomes null and void if the driver is found to be driving without a valid licence or underage at the accident scene involving your four-wheeler.
|We cover any damage to your Hyundai Xcent four-wheeler while it is being transported by elevator, road, airway, inland waterway, rail, or lift.
|The use of a Hyundai Xcent for speed testing, racing, or adventurous activities that causes damage is not covered by our motor insurance.
|We cover human-caused disasters like vandalism, strikes, riots, and terrorism that lead to damage to your Hyundai Xcent.
|Raising a claim for insured car damage if you only have third-party liability coverage will result in a car insurance claim rejection.
|We will reimburse you up to the IDV if your Hyundai Xcent is stolen from the garage or anywhere else. However, the scenario only applies if the entire four-wheeler is stolen rather than just a few of its parts.
|Our Hyundai car insurance does not protect against biological weapon attacks, nuclear perils, or other war-like events that cause damage to your four-wheeler.
|We will pay for damage caused by collisions with wild animals such as deer and buffalo.
|We do not cover loss or damage caused by your driver's misconduct or neglect.
Why is it Important to Have Tata AIG for Your Hyundai Car Insurance?
At Tata AIG, we ensure you don't have to face any trouble owing to your damaged Hyundai Xcent. Some of the reasons to choose us as your motor insurance companion are–
We are a well-known name in the motor insurance industry, with over five crores of satisfied customers.
We have an extensive network of garages across the country, over 7500, where you can get your car repaired free of cost.
Raising a claim with us requires the completion of just four steps. Moreover, with a claim settlement ratio of 98%, you can rest assured of the smooth processing of your repair bills.
We offer a diverse range of coverage options you can tailor by picking from twelve riders to meet your particular requirements.
Overview - Hyundai Xcent Car
Hyundai Xcent is one of the most economical sedans on the market. The stylish exterior, spacious cabin, and powerful-punched performance make this model a must-have. Let's take a look at some of its technical aspects.
Engine displacement of 1197 cc
ARAI-certified mileage of 20.14 km/litre
Maximum torque of 114 Nm @ 6000 rpm
Maximum power of 83 PS @ 6000 rpm
Boot space of 407 litres
Minimum turning radius of 5.2 metres
Ground clearance of 165 mm
Fuel tank capacity of 43 litres
Hyundai Xcent Price in India and its Variants
Prior to discontinuation, the Hyundai Xcent was available in thirteen different variations. You can also choose from five different colours: Star Dust, Fiery Red, Polar White, Typhoon Silver, and Marine Blue. The base model cost ₹5,37,000, while the top model costs ₹8,75,000.
|Prime T Plus CNG BS-IV
|Xcent 1.2 VTVT E
|Xcent 1.2 VTVT E Plus
|Xcent 1.2 VTVT S
|Xcent 1.2 CRDi E
|Xcent 1.2 CRDi E Plus
|Xcent 1.2 VTVT SX
|Xcent 1.2 VTVT S AT
|Xcent 1.2 CRDi S
|Xcent 1.2 VTVT SX Option
|Xcent 1.2 CRDi SX
|Xcent 1.2 CRDi SX Option
It is worth noting that the above is the last recorded price of the Hyundai Xcent. They are now available on the second-hand car market at a much lower price.
Unique Selling Points: Hyundai Xcent Features
Since the discontinuation of the Hyundai Xcent, the market has seen the introduction of several four-wheelers with various advanced features, a few of which are manufactured by Hyundai. However, when the Xcent was on the market, it ruled the hearts of car enthusiasts with the following attributes.
The Hyundai Xcent's safety features include an engine immobiliser, front and rear airbags, central locking, parking assistance, and an auto-dimming rearview mirror.
Xcent's cabin includes power windows, electric power steering, an analogue + digital instrument console, a rake adjustable steering column, and cupholders on the armrests.
This discontinued model has an Aux-in & USB audio system, adjustable headrests in the second row, a cooled glove box, and a manual ventilation system in terms of comfort and smart features.
Rivals of Hyundai Xcent
At present, there are various models on the market that outperform the Hyundai Xcent in terms of features and performance. These include-
Maruti Suzuki Dzire
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
What is roadside assistance coverage in Hyundai Xcent car insurance?
What is roadside assistance coverage in Hyundai Xcent car insurance?
Car enthusiasts have various queries about Xcent models and their auto insurance. We have addressed the most relevant ones here.
Roadside assistance is an add-on available with a standard or standalone own-damage policy offered by Hyundai Xcent car insurance providers that extends assistance to drivers in the event of a breakdown or other emergency while on the road. The RSA add-on can cover incidents like jump-starting a dead battery, changing a flat tire, or towing the vehicle to a repair shop. The level of service and coverage provided can vary depending on the insurer and the specific policy.
What effect does my Hyundai Xcent registration location have on my insurance premium?
Cars driven primarily in cities or areas with higher traffic and accident rates may be considered higher risk and result in a higher premium. Local weather conditions also play a role in determining the insurance premium. For example, if you live and drive in a coastal region, your Hyundai Xcent is at a higher risk of damage due to salt corrosion and other weather-related factors. Similarly, cars driven in areas with heavy monsoon or heavy snowfall may also be considered higher risk and result in a higher premium.
Do I need to insure my Hyundai Xcent car?
Yes, insuring your Hyundai Xcent is mandatory in India. According to the Motor Vehicles Act of 1988, you must have at least third-party liability insurance. This type of insurance covers any damages or injuries caused to a third party, such as another driver or pedestrian, in the event of an accident involving the insured vehicle.
The main reason for making car insurance mandatory in India is to provide financial protection for all road users in case of accidents. Without insurance, the cost of accidents can be financially devastating for the person at fault and the person who sustained injury. By mandating insurance, the government aims to ensure that all vehicle owners have sufficient means of covering these costs, reducing the burden on individuals and the healthcare system.
Is the Hyundai Xcent a good car?
The Hyundai Xcent is a subcompact sedan four-wheeler model known for its stylish design, fuel efficiency, and spacious interior. This model offers features such as an infotainment system, rear parking sensors, and power windows. Xcent also comes with dual airbags, ABS, and a rearview camera.
However, it is worth noting that individual preferences and needs vary. Furthermore, because it is a discontinued model, it is always a good idea to test drive a car and consider factors such as fuel efficiency, maintenance costs, and features before deciding if you are purchasing it from the used car market.
What is the No Claim Bonus in Hyundai Insurance In India?
No Claim Bonus (NCB) is a discount offered by your insurance company if you have not made any claims during the tenure of your Hyundai Xcent car insurance policy. In other words, it is a reward for maintaining a good claims history. It is applicable only on the Own Damage (OD) cover of a car insurance policy. The NCB is typically offered as a percentage of the OD premium, with the rate increasing each claimless year.
For example, if you have an NCB of 20%, you are eligible for a 20% discount on the OD premium for the next policy year. The NCB percentage can range from 20% to 50%.
What is an endorsement in Hyundai Xcent insurance?
An endorsement is an addition or amendment to a car insurance policy that modifies the terms of the Hyundai Xcent insurance coverage. You can use it to add or remove coverage, change limits or deductibles, add a specific rider to the policy, or add or modify the nominee. Endorsements are used to tailor your Hyundai Xcent policy to your specific needs.
What papers are necessary for raising a Hyundai Xcent car insurance claim?
The papers necessary for raising a Hyundai car insurance claim will vary depending on the type of claim. However, in general, you will need the following documents to process a claim:
A copy of the police report if the claim is associated with theft or accident Insurance policy copy A copy of the vehicle's registration certificate (RC) proving that you are the legal owner A copy of the driving license of the person driving the insured Xcent at the time of the accident Duly filled claim form Original repair bills and receipts Original purchase invoice of the vehicle Any other relevant document that your insurer may require
What factors affect the Hyundai Xcent car insurance price?
Two different Hyundai Xcent owners need to pay distinct premiums because of the following parameters.
Manufacturing year Make/model of your four-wheeler Place of registration Type of registration Insured Declared Value (IDV) Engine capacity Claim history Type of Coverage Discounts by your insurer Add-ons purchased Driving history and record. Mode of purchase
Can I transfer my Hyundai Insurance if I sell my Xcent car?
Yes. In fact, an insurance transfer is required to avoid future legal complications. It is important to note that the details of the Xcent owner on the vehicle registration paper must match those on the Hyundai insurance during the claim process.
However, while transferring the insurance, the NCB you have accumulated over the years is non-transferable and remains with you. You can use that NCB to reduce the insurance premium cost of your new car.
What is the starting price of the Hyundai Xcent?
Before discontinuation, the Hyundai Xcent was available in thirteen different configurations. The last known price for the base model, Prime T Plus CNG BS-IV, was ₹5,37,000; the top model, the 1.2 CRDi SX Option, was priced at ₹8,75,000 in India. You can now get this car for a lower price on the used car market.
Disclaimer: All the car prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.