Kia Carens Clavis Car Insurance

The Kia Carens Clavis is a premium crossover that combines the practicality of an MPV (multipurpose vehicle) with the comforts and safety of an SUV. It comes in several different variants and combinations, including a 1.5 turbo petrol with manual, clutch pedal-less and dual-clutch options, an entry-level petrol with 6-speed manual and a 1.5 diesel with manual and automatic variants. Each of these has slightly different specs.

• Range of Choices: The Carens Clavis comes in 7 different trims, 3 different engines, 4 transmission types and 6-7 seater arrangements, offering a wide range of configurations.
• High-Quality Finish: The Clavis sports a sleek and modern look with a satin chrome finish, icecube LED headlamps, Kia digital tiger face, and crystal-cut dual-tone alloy wheels.
• Powerful Engine: The Kia Clavis is powered by a 1.5-litre petrol or diesel engine with powerful torque, fuel-efficient performance and proven reliability.
• Advanced Safety Features: This car has 20 autonomous safety features, including ADAS Level 2, front and rear collision warning, lane assist, cruise control, front and rear collision avoidance assist systems, and more.
• Comfort and Convenience: As a family-focused car, the Clavis offers comfort-related features, such as ventilated seats, Smart Pure air purifier, 67.62 cm panoramic display panel and BOSE premium sound system.

Third Party Car Insurance

Third-party car insurance is basic and legally mandatory, and covers third-party damages and injuries. TATA AIG’s Third-party Car Insurance Plan covers legal liabilities due to bodily injuries, fatalities and property damage up to ₹7.5 lakhs as well as legal defence expenses. You can get personal accident cover, affordable premiums and quick claim processing with these plans.

Own Damage Car Insurance

Own damage insurance for Kia Caren Clavis covers damage or loss to the insured car from accidents, fire, theft, floods, riots and other risks. TATA AIG’s Standalone Own Damage Car Insurance Plan provides financial protection at affordable premiums with up to 50% No Claim Bonus and customisability. This plan is a perfect choice if your car already has third-party coverage.

Comprehensive Car Insurance

A comprehensive car insurance plan provides both third-party and own damage insurance coverage. TATA AIG’s Comprehensive Car Insurance Plan offers personal accident cover up to ₹15 lakhs, access to 6300+ cashless garages and up to 50% NCB benefits. It’s a perfectly customisable plan with over 20 add-ons to enhance your coverage, including zero depreciation cover, roadside assistance, engine secure, and more.

Cover Against Damages

Damage or loss from accidents or a car theft can lead to massive financial losses. For a premium crossover like the Carens Clavis, repair costs for substantial damages can run into lakhs of rupees. Without a car insurance plan, you have to bear these costs on your own, depleting your savings.

Legal Compliance

As per Section 146 of the Motor Vehicles Act, 1988, no person is allowed to drive a vehicle in any public space in India without insurance covering third-party risk. To avoid negative consequences like fines and vehicle seizure, getting at least third-party Carens Clavis insurance is necessary.

Financial Protection Against Disasters

A disaster, such as a flood, earthquake, hurricane or heavy snowfall, can cause major damage or the complete loss of your vehicle despite your best precautions. A Carens Clavis insurance policy covers the cost of repairs and replacement of your expensive car from both natural disasters and manmade acts like riots or vandalism.

Protection for Family Members

A car accident, leading to fatality or permanent disability of the vehicle owner, can cause enormous financial stress to surviving family members. As car insurance plans have mandatory personal accident cover, this can help alleviate the financial distress of your loved ones in your absence.

Wide Range of Protection

TATA AIG’s car insurance plans cover a wide range of risks to your insured car, including fire, theft, floods, riots, earthquakes, accidents, transit-related damage, etc. Our insurance plans also provide third-party coverage, which protects you from financial liabilities arising from causing accidental damage to third parties.

Savings on Premiums

With TATA AIG, you can save on Kia Carens Clavis insurance costs as we offer the most competitive rates starting at ₹2,094 per year. You can save more with online discounts up to 85% for both new and old vehicles.

Personalised Insurance

You can get the right TATA AIG plan by choosing between different insurance types and coverage limits based on your car’s Insured Declared Value (IDV). You can also choose between short-term and long-term plans and enhance your coverage with 20 add-on covers, including No Claim Bonus Protection and Emergency Medical Expenses.

Seamless Claims Process

When you select TATA AIG for car insurance online, you are assured of a seamless claim settlement experience, with both cashless and reimbursement options through multiple channels. From raising claims to verification and settlement, the entire process is digital, paperless, and user-friendly.

Extensive Cashless Garage Network

Our Kia Carens Clavis insurance plans provide you with access to a reliable insurer with an extensive pan-India network of authorised service centres and multi-brand garages. You can take your damaged Kia crossover to any of our 6300+ network garages for cashless claim settlement. We have garages in every major city.

A car insurance plan covers the cost of repairs and replacement of the insured vehicle in exchange for a payment called the premium. Here’s how it works:

Step 1: Policy Purchase

First, you must select a policy from the available options and make the payment to the insurance company to complete your purchase. This activates your insurance coverage during the insurance period, and you receive the policy documents.

Step 2: Claim Filing

If you face an incident like a car accident, theft or natural disaster covered by the plan, inform the insurer immediately via official channels. You must file a claims settlement form with the required documents, such as your driving licence and policy papers.

Step 3: Claim Settlement

After filing your claim, take your car to a network garage to get cashless repairs or visit a non-network garage and claim reimbursement later. After the insurer checks your claim documents and inspects the vehicle, it will settle your claim directly with the garage or reimburse you.

Step 4: Policy Renewal

When your current policy period ends, your insurance coverage will end as well. To continue your coverage, you must renew your Kia car insurance by paying the updated premium costs.

Carens Clavis Insurance Inclusions

• Fire: Covers damage or loss from fire-related accidents, explosions, lightning or self-ignition.
• Theft: In case of complete loss of the vehicle, the policy compensates a maximum amount of the car’s IDV.
• Accidents: Includes repair costs and part replacements for accidental damage.
• Transit Damage: This includes damages that happen during transportation of the vehicle via rail, road, inland waterways, air, lifts or elevators.
• Third-Party Liability: It covers third-party liabilities due to injuries, fatalities and property damage.
• Personal Accident Cover: Provides personal accident cover for the owner-driver’s death or permanent disability.
• Natural Calamities: Covers damage/loss due to cyclones, typhoons, hurricanes, floods, earthquakes, landslides, rockslides, inundation, and natural occurrences.
• Manmade Disasters: Damage/loss from housebreaking, burglary, riots, strikes, terrorist acts, vandalism and other malicious activities.

Carens Clavis Insurance Exclusions

• Extraordinary Circumstances: Damage/loss from war, invasion, war-like operations and nuclear perils are excluded.
• Improper Usage: Damage/loss due to the driver’s negligence or for commercial usage.
• Intoxication: Driving under the influence of alcohol, drugs or other intoxicating substances.
• Wear and Tear: Damage due to age-related wear and tear, depreciation, electrical and mechanical breakdowns
• Maintenance Costs: Maintenance expenses, including regular upkeep and routine services

1. Depreciation Reimbursement: Depreciation Reimbursement or Zero Depreciation Cover is an add-on covering the depreciation deducted from parts repaired or replaced due to an accident. It helps cover the full part replacement costs.

2. Return to Invoice: The Return to Invoice Add-On covers additional costs over the car’s Insured Declared Value, including accessories, bi-fuel kit, road tax, registration charges and insurance costs, helping cover the vehicle’s on-road price.

3. Consumable Expenses: This add-on pays for small items and consumables, such as engine oil, gearbox oil, lubricants, grease, distilled water, oil filters, nuts and bolts, washers, A/C gas, etc.

4. Emergency Medical Expenses: It covers medical treatment at a hospital or nursing home for the driver and passengers due to an accident involving the insured car. It also pays for ambulance costs and supporting items up to ₹5000.

5. Roadside Assistance: The Roadside Assistance is an add-on covering 24x7 emergency repairs and breakdown services at the chosen location. It covers tyre repairs, battery jumpstarting, towing, etc.

6. Engine Secure: The Engine Secure Cover covers repairs and replacement of internal parts of the engine, gearbox, transmission or differential assembly and consumables. It’s only available for water ingress or oil leakage in the covered parts.

7. Electric Surge Secure: A specialised add-on for electric vehicles, it covers damage or loss to the EV, battery and chargers from electrical problems, such as arcing, short circuiting or electrical leakage.

8. Tyre Secure: The Tyre Secure Add-On covers damage or loss of tyres and tubes due to an accident but excludes normal wear and tear. It covers up to 4 replacements during the policy period.

9. Daily Allowance Plus: The Daily Allowance Plus lets you choose between a daily cash allowance or a courtesy car to manage travel when your insured car is under repair following a claim. These benefits extend up to 15 days for theft/total loss.

10. Additional Third-Party Property Damage Cover: This add-on provides additional third-party property damage coverage beyond the standard limit of ₹7.5 lakh provided by third-party and comprehensive car insurance plans.

Disclaimer: These are only a few add-on covers offered with TATA AIG car insurance. For more details, check the Policy Wording document.

Your Insurance Needs

Before getting your car insurance plan, understand the type of policy and coverage level you require based on your driving habits, financial requirements and hazards you are exposed to. For example, a comprehensive plan is a good choice for an expensive car.

Detailed Comparison of Plans

To choose the best insurance for Kia Carens Clavis, compare car insurance plans based on features, exclusions and costs. Compare different options available to you using online comparison tools and premium calculators, and choose the best option as per your assessment.

Insured Declared Value of the Car

The IDV of your Kia Carens Clavis is the maximum amount that an insurance provider will pay based on the car’s current market price. Insurers can offer higher or lower IDV; a higher IDV increases your coverage and costs, and vice versa.

Services Offered

When selecting a 4-wheeler insurance plan, you should check the quality of services offered by the insurance company. A good insurer should provide prompt customer service, a hassle-free claims procedure and have a record of servicing claims with a high Claim Settlement Ratio (CSR).

Car Insurance Add-Ons

Add-ons are extra covers that increase the coverage features and limits of your base policy. To get the best car insurance plan, you should assess if the add-ons offered meet your insurance needs. For example, you may need additional protection for the engine and other parts if you expect water-related hazards where you drive.

Step 1: Scroll to the top of this page. In the premium quote tool, type in your car registration number and click on the ‘Get Price’ button.

Step 2: Enter the required details, including your personal and vehicle-related information. Select the insurance coverage and add/modify add-ons to enhance your plan.

Step 3: When you enter the details, you will get instant Kia Carens Clavis insurance quotes. If you want to proceed, make the premium payment online to complete your purchase.

Step 1: Click on the ‘Renewal’ menu at the top of the page and select ‘Car’.

Step 2: On the next page, enter either your car registration number or existing policy number and click on ‘Renew’.

Step 3: Review the updated Carens Clavis insurance cost and No Claim Bonus. Update your coverage by changing the IDV or adding/modifying add-ons.

Step 4: Pay the premium amount to renew your car insurance policy. Download the policy documents after your purchase.

The premium cost of a car insurance plan is determined by the type of policy chosen, add-ons, IDV of your car, applicable discounts and bonuses, and other factors. This includes your vehicle’s engine capacity, make and model, age, region of registration, your claims history, driving records, etc.

Third-Party Car Insurance Premium

Third-party car insurance premium rates are determined by the IRDAI (Insurance Regulatory and Development Authority of India). These are fixed for all insurance providers and determined by the car’s engine size and fuel type.

Own Damage Car Insurance Premium

Kia Carens Clavis insurance price in India for own damage insurance is decided by the insurance company. The premium rates are based on the car’s IDV, insurer’s tariff rates, applicable discounts (including No Claim Bonus) and chosen add-ons.

Comprehensive Car Insurance Premium

Comprehensive car insurance premium costs are determined by adding the third-party car insurance premium, own damage insurance premium, and the cost of add-ons (if any). Applicable discounts and No Claim Bonus are deducted from the total amount.

Cashless Claims

Step 1: Inform TATA AIG within 48-72 hours of the unfortunate incident. Register your claim online via our claims support page.

Step 2: Fill out the cashless claim form with details, such as your name, contact details, driving licence number, policy number, etc.

Step 3: Upload photos/videos of the damage to the link sent to your phone number. Coordinate with the TATA AIG surveyor sent for vehicle inspection.

Step 4: Take your Kia Carens Clavis to any network garage to get it repaired. After the repairs are completed, we will settle your bills directly with the garage based on policy terms and conditions.

Reimbursement Claims

Step 1: If you cannot find a TATA AIG network garage near you, get the repairs done at any non-network garage and pay the bills from your own pocket. Ensure to collect the bills and payment receipts for documentation.

Step 2: Fill out the reimbursement claim form with the required details and relevant documents, such as car RC, driving licence, repair bills, estimate, and proof of damage. You can file your claim online via our homepage, claims portal or helpline (022 6489 8282).

Step 3: We will assign a surveyor to inspect the damage and verify your documentation. After approval, we will issue the reimbursement based on our damage estimates and policy limits.

• Duly filled and signed claim form
• Copy of car insurance policy documents
• The driving licence of the person driving your vehicle
• Car registration certificate
• Photographs or videos of the damaged vehicle
• Garage repair estimate
• FIR or police report for major damage, theft or third-party injuries
• Identity and address proof for reimbursement claims
• Original car keys and RC with RTO cancellation for theft/total loss
• NOC from the financial institution for a loaned vehicle
• Court summons/notice and medical bills, if applicable, for third-party claims

The Kia Carens Clavis comes in 9 trim levels with different prices for engine, transmission and seating configurations, a total of 37 combinations.

Disclaimer: Prices can vary with different car configurations, locations, dealerships and availability. Please check with the seller individually before buying.

Your Kia Carens Clavis is a complex machine whose functioning depends on the performance of various important components. It’s essential to protect the following parts with a car insurance policy:

• Engine: Called the heart of a vehicle, the engine converts fuel into energy and drives the wheels, powering the car. The Carens Clavis is powered by a 1.5-litre petrol or diesel engine in three variants built for power and efficient performance.
• Transmission: The transmission transfers power to the wheels from the engine and helps regulate the car’s speed and torque. The Carens Clavis comes with a manual or automatic transmission system, which helps to maintain control and efficiency.
• Battery and Alternator: The battery supplies electrical power to the starter motor and ignition system and powers electrical components like lights and air conditioning. The alternator charges the battery during its operation.
• Suspension: The suspension system connects the wheels to the vehicle chassis and reduces vibration and absorbs shocks from roads. The Kia Carens Clavis has beefy suspension with coil springs that ensure good handling on rough roads.
• Brakes: The braking system slows and stops the vehicle, ensuring critical safety for the occupants in emergencies. The Carens Clavis features disc brakes in front and rear, along with ABS (anti-lock braking system) and other safety features.
• Steering System: The steering system directs the wheels to control the car’s direction while driving. Based on your chosen variant, the Carens Clavis offers manual and power steering options for optimal vehicle handling.

The Kia Carens Clavis is a mid-range, premium crossover that offers reliable performance, high comfort levels and a plethora of safety systems. While it doesn’t have high-performance or advanced tech, the Carens Clavis is a good choice for an everyday family vehicle. To protect your expensive ride, get an effective Kia Carens Clavis insurance plan from a provider like TATA AIG for wide coverage and personalisation.