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Variants of Hyundai Verna Car
The Hyundai Verna comes in 12 variants across 4 trims – the E, S+, SX, and SX (O). You get the option of a 1.5l MPi petrol engine, or a 1.5l U2 diesel engine. There’s also a variant with a 1.0 litre turbocharged engine with the SX (O) trim. The manual transmission is available across the trims, while the automatic is reserved for the SX and SX (O) trims. Select variants now get wireless Android Auto and Apple CarPlay with the new update.
| Petrol (1.5 litre MPi) | Diesel (1.5l U2) |
| Verna SX (O) MT | SX (O) MT |
| Verna S+ MT | SX (O) AT |
| Verna SX IVT | S+ MT |
Types of Hyundai Verna Car Insurance HDFC ERGO Offers
The Verna has always been a popular car from the house of Hyundai, especially in the Indian market, which has seen various competitors in the segment come and go, over the years. Every generation of the Verna has done well, and the past few years has seen it include some segment-first features. No matter the generation of your Hyundai Verna, we have a suitable car insurance plan for you.
A comprehensive car insurance policy comes with two major components – the mandatory third-party liability insurance, and the recommended own damage cover. The former is compulsory for every vehicle on the road, providing coverage against liabilities to a third-party person as a result of accidental injury, or damage to their property. The latter provides coverage against damage to your own vehicle – be it accidental, or due to natural/manmade disasters.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
The most affordable Hyundai Verna car insurance plan, it covers against injury, disablement or death of a third-party person in an accident involving your vehicle. This is a mandatory cover that every plying vehicle must have. As a sole insurance plan, it can only be recommended for old vehicles or cars you intend to sell soon.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover can be bought separately to complement your third-party insurance cover to provide comprehensive coverage. This is the plan to choose if you have a sole third-party liability coverage or if your annual own damage cover is expiring with an existing long-term third-party plan. It will help cover against damage to your own vehicle as well as theft.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
It is the plan that is crafted by insurance experts for your utmost convenience. It is just like a comprehensive car insurance plan, except that the third-party component comes with a validity of three years. Meant for new vehicles, this plan ensures you’re insured for longer, without having to renew your policy every year. However, it does come with an annually renewable own damage component which you can choose to renew every year when the time comes.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Hyundai Verna Car Insurance
Accidents happen without warning, and sometimes even when it is no fault of your own. Which is why it is essential to have a comprehensive car insurance policy to mitigate your financial risk. While a third party car insurance may sound attractive due to its affordability, you will always be burdened with the risk of knowing that any accident could severely dent your finances. Lower your financial risk with a comprehensive cover that includes the following:
Accident coverage
India has the highest number of road accidents in the world, with a significant number of uninsured vehicles. If you’re involved in an accident, especially with an uninsured vehicle, even if it is the latter’s fault, there’s no guarantee of receiving compensation. But if you have comprehensive coverage, it will help tide over your financial obligations.
Natural or manmade calamities
Damage to your Verna due to rain, floods, earthquakes, storms, riots, vandalism and more, are all covered under your car insurance policy, so you can stay worry-free no matter how the weather turns out to be.
Theft
The Verna is a desirable car and of interest to potential thieves. So, if your car gets stolen, you have very little to no guarantee of getting it back, which is why theft is covered under the policy too.
Personal accident
This is a mandatory cover, along with third-party liability, covering the treatment costs including pre- and post-hospitalisation, daily expenses, medicine expenses, and treatment procedures. It provides a minimum coverage of Rs 15 lakhs.
Third-party liability
Damage to a third-party person or their property as a result of an accident is covered under this Hyundai Verna car insurance policy. It includes injury, disablement or death of the person, destruction of property, legal fees, and accident cover.
To keep insurance affordable for all, there are specific scenarios that are out of its coverage. A car has several moving mechanical components, prone to heat and friction. Thus, wear and tear are inevitably going to cause the parts to malfunction. Furthermore, it is a combination of complex electromechanical components, all of which may act up after a certain period. Read the fine print of your policy to understand what it does not cover. Usually, the exclusions are:
Depreciation
Depreciation is natural for any vehicle. In case of damage to a certain part of your car, requiring a replacement, you will be getting a new part for a depreciated one. However, the insurer will only pay the depreciated value, and the rest will have to be borne by you as depreciation cost.
Wear and tear
Wear and tear of components is inevitable, causing them to malfunction over time. These are considered as the manufacturer’s responsibility, as a result of which it falls outside the purview of insurers.
Electrical breakdown
Breakdowns of electrical nature are common and can have several causes including personal negligence and the weather. Which is why they are not covered under the car insurance policy. However, electrical breakdown as a result of an accident or vandalism is covered.
Illegal behaviour
Your claim can get rejected if you exhibit any illegal behaviour while driving your vehicle. This includes driving under the influence of alcohol or drugs, driving without a valid license etc.
How to Renew Hyundai Verna Car Insurance?
Much like modern cars, which are packed with technological advances, insurers too have embraced this technological revolution and are now available online for your convenience. Most insurance operations can be conducted remotely, including renewal and purchase, at your own convenience.
Step #1Log onto the HDFC ERGOwebsite or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Hyundai Verna Car Insurance from HDFC ERGO?
When you’re browsing through Hyundai Verna car insurance plans, it’s vital to research the insurer as well, as the plans are only as effective as the insurer. Choose an insurer which has a healthy market share, extensive network across the country, and is reputed for a hassle-free and smooth claim settlement process. Choose HDFC ERGO.
Cashless facility
We have more than 8000 cashless garages across the country, so you can get your car serviced easily without shelling out too much from your own pocket.
Easy claims
HDFC ERGO processes nearly 80% of car insurance claims on the same day, ensuring there’s minimal delay in getting your car back in shape.
Overnight repair service
You can now sleep peacefully at night while we take care of minor repairs in your car and get it ready for you the next morning.
24x7 assistance
Never get stranded helplessly, as we offer 24x7 roadside assistance service to help you with tows, breakdowns, and minor repairs.
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