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Hyundai Xcent Car Insurance Online
Variants of Hyundai Xcent Car
Being a sub 4 meter sedan, the car was eligible for lower taxes and that is why it saw healthy sales numbers all through its lifetime. The basic Xcent E model came with a petrol engine and 5 speed manual transmission. You could also buy the basic E model with a diesel engine. Apart from these were the petrol and diesel S models. The petrol-based S model also came with the option to choose a 4 speed automatic transmission model for those who didn’t worry about clutch and gear shifting.
Then came the SX models that were highly praised for offering great value for money. Offered in both petrol and diesel engine choices, the car was highly preferred by most buyers because of its perfect balance between price and features. At the top sat the SX(O) models which were fully loaded in all aspects and had features to rival even higher segment cars.
| Model | Engine Options | Transmission | Fuel |
| Xcent E | 1.2l Kappa Dual VTVT | 5-speed Manual | Petrol |
| Xcent E | 1.2l U2 CRDi Diesel | 5-speed Manual | Diesel |
| Xcent S | 1.2l Kappa Dual VTVT | 5-speed Manual/4 speed Auto | Petrol |
| Xcent S | 1.2l U2 CRDi Diesel | 5-speed Manual | Diesel |
| Xcent SX | 1.2l Kappa Dual VTVT | 5-speed Manual | Petrol |
| Xcent SX | 1.2l U2 CRDi Diesel | 5-speed Manual | Diesel |
| Xcent SX(O) | 1.2l Kappa Dual VTVT | 5-speed Manual | Petrol |
| Xcent SX(O) | 1.2l U2 CRDi Diesel | 5-speed Manual | Diesel |
Types of Hyundai Xcent Car Insurance HDFC ERGO Offers
At HDFC ERGO, we are committed to providing a wide array of insurance products to our customers. You can choose from many options when it comes to insuring your Hyundai Xcent. Depending upon your requirement and budget, you can choose a third party or comprehensive cover for a single year or multiple years. Own damage cover is also available for car owners who have third party cover still active from the time of their car purchase.
This is a full-package insurance policy for your car in which you get cover for your own car, personal accident cover, as well as third party cover. Your vehicle will be covered in the following cases:
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
This is the basic legal protection insurance which only provides third party damage cover. This car insurance policy does not offer protection for your own car. So, you only get cover for:
Personal accident cover
Third-party property damage
Injury to a third-party person
For people who still have the third party cover that came with their new car, HDFC ERGO offers own damage cover to protect your own car. In this car insurance policy, you will get protection in the following cases:
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This is like the single year comprehensive plan, but you can purchase it for as long as three years in one go. Buying a multi year plan will help you save a lot of money and also eliminate the need to renew the policy every year. You will get coverage for:
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Hyundai Xcent Car Insurance
When you buy a Hyundai Xcent car insurance policy, you get a number of features and covers that are meant to provide the best possible protection to your car. We try to cover as many kinds of problems as we can. So, with your comprehensive car insurance policy, you get:
Accident coverage
No matter how safely you drive your car, there is always a risk of accident. Luckily, any damage caused by accidents will be covered by your insurance policy. You can get your car repaired at any of our network garages.
Natural calamities
When you buy a comprehensive car insurance policy, you will get natural calamity protection, which will cover situations like an earthquake, hailstorm or snowstorm, flood as well as any other similar problem. Any damage caused by a natural calamity will be compensated by your insurance.
Theft
If your car gets stolen, and the police fail to get it back, you can file a claim with the insurer. Car theft is a widespread crime in India and people need protection against it. The good news is that car theft cover is offered as a standard protection under Hyundai Xcent car insurance.
Personal accident
IRDAI mandates a personal accident cover of INR 15 lakhs for the owner-driver of the vehicle. This is meant to be used in case of accidental injuries which need treatment in a hospital.
Third-party liability
In case of a third party car insurance policy, you are covered for any damage, injury or disability caused to any third party. This is the legally mandated cover that you need to become eligible for driving your car on a public road in India.
As with any other legally binding contract, your car insurance policy also comes with certain exclusions. This is to ensure that we can serve the largest number of people. Besides, some exclusions can be balanced out by buying special add-ons at very low prices. Here are some exclusions under your Hyundai Xcent car insurance policy:
Depreciation
Regular usage of your vehicle will cause its value to decline. This is because of the ongoing wear and tear of its parts as well as the usage of its consumables. If you just have a standard comprehensive policy, the depreciation cost will be deducted from your claim amount. However, you can take a zero-depreciation add-on to offset this exclusion.
Government Levies and Taxes
The government charges many different taxes and levies when you buy a car. These are generally not included in the Hyundai
Electrical breakdown
As with any other machine, you need to maintain your car by getting it regularly serviced and replacing its consumables in a timely manner. Failure to do so may result in mechanical or electrical breakdowns which are not covered by your car insurance policy.
Illegal behaviour
Your insurance cannot cover any illegal activity. So, if you are caught driving in a drunken state or without valid and legally required documentation or using private registration vehicle for commercial purposes, the policy will not cover you.
How to Renew Hyundai Xcent Car Insurance?
If you are looking to renew your Hyundai Xcent car insurance policy, HDFC ERGO makes the process very simple. With our five-step process, you can get the policy you need instantly. Here is how you can do it.
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 Xcent Car Insurance from HDFC ERGO?
You will find a number of companies selling car insurance for your Hyundai Xcent, but none can compete the service, professionalism and reliability of HDFC ERGO. Over the years, we have taken many steps to earn the leading position in the insurance market. Here are a bunch of reasons why HDFC ERGO is the best option for you:
Fast turnaround time
We realise that you rely on your car a lot for your daily activities and vehicle downtime can lead to significant inconvenience. This is the reason why we offer an overnight repair service where smaller claims can be filed and processed in a day and the car can be fixed overnight at an eligible garage so that it is ready for you the next morning.
Multiple renewal options
We realise that many customers find it quite a hassle to renew their policy and not everyone may be the perfect fit for buying a multi-year insurance plan. This is the reason why we have introduced multiple ways for you to renew your Hyundai Xcent car insurance policy. You can renew your policy over the internet, through a phone call or even by contacting an agent.
Vast network of cashless garages
Across India, we have more than 8000 garages where you can get your vehicle repaired by making a cashless claim. These garages are manned by trained professionals and have modern equipment.
Add-ons that match your requirements
At HDFC ERGO, we know that no two customers are the same. The add-ons that you choose with your Hyundai Xcent car insurance may not be suitable for another customer and vice-versa. Hence, we allow full customisation of policy add-ons.
Get the best discounts
We have introduced a number of discount options for our customers, which allow you to get the best deals on your car insurance policy. If you are a member of the automobile association, you get a 5% discount on your own damage cover. Another 5% discount is available if you fit an ARAI approved anti-theft device in your vehicle. If you don’t file claims for 5 consecutive years, you can collect up to 50% discount on your own damage cover.
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