Kia Carens Car Insurance

Name: Kia Carens Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The Kia Carens is a spacious Multi-Purpose Vehicle (MPV) that has been designed specifically for Indian families. The seven-seater car offers premium interiors, ventilated seats, a large touchscreen with wireless play and gives a smooth driving experience for long rides. The features make it ideal for new families, young working professionals and travellers who need practicality, modern tech and enough space. The Carens is able to seamlessly integrate into the driver’s daily routine, whether it is errand trips across the city, office commutes, or weekend trips.

Spending long durations on the road increases the chance of accidents or unexpected damage. Imagine heading out for a family trip in your Carens, only to hit rough roads and potholes with water from heavy rains. Damage to the underbody in such situations can be expensive to fix, especially for a premium family car like Carens. This is where car insurance comes into play. It covers cashless services at network garages for own damage and damages to third parties.

IndusInd General Insurance (formerly Reliance General Insurance) has simple insurance solutions, for family cars, all of which can be bought, renewed and claimed online. Raise claims yourself by video recording on the IndusInd Insurance app, services at 11,000+ network garages, and discounts at low monthly premiums.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

With IndusInd General Insurance, you get access to complete protection for your Kia Carens. Choose from 15 plus* riders, discounts, NCB, online claims process and a 24/7 customer support to answer all your queries whenever you need us.

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15 plus add-on covers

Customise your Kia Carens insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why Do You Need Kia Carens Insurance?

Legal Requirement

Having at least a third-party insurance is mandatory by law in India. Driving your Kia Carens without insurance could land you in legal trouble with heavy fines. If you plan to use your car as a family car, getting insurance is important. Meet the legal requirement and protect yourself from financial liability with car insurance for your Kia Carens.

Cost of Repairs

Kia Carens has a host of modern features and advanced electrical components. These features add to the car’s look and enhance comfort, but they also increase repair costs in the event of damage. Even a minor accident can significantly increase repair costs. A car insurance policy will cover the repair costs, and you don’t need to pay out of pocket.

Covers Car Theft

Attractive cars like the Kia Carens make them targets for thieves. Theft of a major investment like your car can leave you stressed and in financial debt from having to buy a new one. A comprehensive car insurance will provide you compensation for the insured declared value (IDV) of the stolen car. One bad incident will not wipe out your investment.

Natural Disasters Coverage

Your Kia Carens will be used for multiple road trips and will be exposed to various weather conditions. Natural disasters such as rain, cyclones, earthquakes, and landslides can cause severe damage to cars. Repairs and replacements of these damages can be expensive. Your vehicle insurance will share your financial burden by covering your expenses.

Fire and Fire-Related Damage Protection

Cars can catch fire easily from electrical short circuits or external sources, destroying them completely in minutes. Car insurance, particularly comprehensive car insurance, will cover all replacement or repair costs of the burnt components of your damaged car. It will save you from massive expenses and allow you to get back on the road quickly.

Network Garages and Spare Parts

Repairs and replacements after an accident must be done right with authentic parts. Fake or cheaper parts can do more harm than good. Our motor insurance holders have access to a large network of garages where they can get quick cashless service. They use genuine Kia parts, ensuring your car stays in top condition and remains safe for your family.

Types of Kia Carens Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance provides complete protection for private cars against accidents, natural calamities, theft, and third-party damage to property and person. The car owner gets compensated for the repair or replacement costs for car parts which have sustained partial or total damage. You can enhance the protection of your policy with over 15+* add-on options and get additional discounts as well.

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Pay As You Drive Car Insurance

A usage-based car insurance, the Pay As You Drive policy lets you pay only for the distance you aim to travel in a policy year. If you are an infrequent driver, choose between 2,500 and 10,500* kilometres and receive a buffer distance of 125* kilometres. Any leftover distance can be carried over. This flexible plan is perfect for commuters who sometimes travel by public transport or use multiple cars.

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Third Party Car Insurance

A mandatory vehicle insurance, the third-party insurance will give you compensation for any legal and financial liabilities against third parties. This reimbursement amount covers for the damages caused to other person’s property and also death. The premium for a third-party insurance is calculated based on the engine capacity of your car, and you can also pay once in advance for five years* of coverage.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) policy protects your car against repair expenses arising from accidental damage, theft, fire, and natural calamities. It helps keep your vehicle financially secure during unexpected situations and costly repairs. The policy complements your existing third-party insurance coverage.

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Key Features

Key Features of IndusInd Kia Carens Insurance

IndusInd General Insurance has plans for Kia Carens with premiums starting at ₹308 monthly*. Get discounts for NCB, online purchase, along with the ability to submit videos on the IndusInd Insurance app for cashless claims.

Key Features

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: For updated information on your insurance features, refer to your policy documents.

Inclusions & Exclusions

IndusInd Kia Carens Car Insurance: Inclusions & Exclusions

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What is Covered?

Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.

Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.

Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.

Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.

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What is not Covered?

Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage to your Kia Carens except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

Disclaimer: Refer to your policy documents for the full list of exclusions and inclusions.

Insure your Kia Cares with insurance that handles repairs, losses and unexpected costs.

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Kia Carens Insurance Add-On Covers

Riders or add-ons provide enhanced protection for your car by covering specific components of your car. With your add-ons, we cover the costs of repairing or replacing your engine, key and lock, rims, and also account for the depreciation of your car.

Nil Depreciation Cover

With the Nil Depreciation add-on, you can claim the full value of repairing or replacing the plastic, rubber and fibre parts of your car. Your insurer will not deduct depreciation from your claim amount during settlement.

Pay As You Drive

If you do not drive frequently, you can pay only for the distance travelled. Choose between 2,500 and 10,500* kilometres for the policy year and pay premiums accordingly. Top up or carry over leftover kilometres as needed.

Return to Invoice Cover

Claims made for total loss of the car do not include the car’s full value. The Return to Invoice cover will pay you the full invoice value of your car during claim settlement in case of theft or irreparable damage.

Engine and Gearbox Protection Cover

Getting the engine of your Carens repaired can be expensive. Get reimbursement for repairs or replacement in case of water damage, oil leakage or mechanical breakdown, with the engine and gearbox protection add-on.

Tyre Protection

Your car tyres get worn out quickly due to daily use and poor road conditions. Cover the costs of replacing or repairing your Kia Carens’ tyres with the Tyre Protection add-on. However, this will not cover minor tyre repairs.

Key and Lock Replacement

Most car insurance does not cover the cost of key and lock replacement and repair.Opt for the key and lock replacement add-on, which will pay for lost, damaged or stolen car keys, including electronic keys, like key fobs.

Consumable Expenses

This rider reimburses you for the consumables used in your car during car repairs. This includes nuts, bolts, grease, washers, brake oil, lubricants, and other small parts, which are not covered under a standard policy.

RIM Protection

The rims of a car can easily be damaged by blowouts or driving over kerbs and potholes. The Rim Protection add-on will reimburse you for the repair or replacement of rims on your car that are made only of specific materials and are damaged.

24/7 Roadside Assistance

If your insured car breaks down somewhere, the roadside assistance rider will provide emergency services. Contact us to get towing service, on-site repairs, tyre changes, key replacements, and battery jumpstarts.

Loss of Personal Belongings

Get compensation for the loss of personal belongings from your insured car with the loss of personal belongings add-on. This will cover the costs of damage to mobile phones, laptops, and bags costing ₹5,000 or more.

Daily Allowance Benefit

If your car is in a network garage for repairs for more than three days, the daily allowance rider will cover your daily travel costs. It provides compensation for cab fares, buses, trains or other forms of public transport.

EMI Protection Cover

The EMI protection cover will pay a set number of EMIs if you face any hardships, such as theft, accidents, or hospitalisation. Keep up with your financial obligations even when you face job loss or unexpected expenses.

No Claim Bonus (NCB) Retention

Your NCB lapses if not used. You can keep it intact, even if you make claims on your policy with the NCV retention add-on. You can make up to two* claims in a year and get discounts on your premium for the next year.

Voluntary Deductible

Choose a fixed amount to pay yourself during claims and get a significantly lower Kia Carens premium every year. This works best for careful drivers who drive safely and very rarely make any claims.

Replacement Car

Get a temporary car while your Kia Carens is being repaired at the garage after an accident. Stay on the move and keep your daily commute, errands and school runs completely uninterrupted throughout all repairs.

Preferred Network Garage Benefit

Get your Kia Carens repaired at top selected trusted garages with priority service every single time. Enjoy faster repairs, quicker claim approvals and significantly less paperwork so your car is back on road sooner.

Hospital Cash Cover

Get daily cash support right away if you are hospitalised after a serious Kia Carens accident. Covers room charges, medicines and test fees so unexpected hospital bills never ever become a financial burden during recovery.

How to Buy

How to Buy/Renew Kia Carens Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Kia Carens Car Insurance Premium

We determine the premium you pay for your Kia Carens based on the factors, like its model, make and how much you plan on using it. The factors listed below can help lower your Kia Carens insurance cost and save considerable money.

Car’s IDV

IDV is the market value of the car that is paid out to you by the insurer if your car has been damaged beyond repair or stolen. It is the highest amount you will get for the total loss of your car. IDV is estimated by calculating the car’s depreciation and the cost of fitted accessories.

Coverage Type

Depending on the coverage you take for your Carens, the price of your insurance will change. Comprehensive policies have higher premiums, and third-party plans have lower premiums. Choosing add-ons will further change your Kia Carens car insurance price.

Add-On Covers

Add-on covers provide additional coverage for specific components of your car, like the engine, rims, keys, lock, and electrical components. These not only protect your car but also make your insurance premiums expensive.

Make/Model of Car

The make and model of a car will influence its insurance premium. Higher-end cars will have higher premiums because their parts are expensive. Similarly, cars with larger engines have higher premiums as it is expensive to get them repaired and maintained.

History of Claims

The more claims you make on your insurance, the riskier you are for the insurer, resulting in higher premiums. Additionally, as you make claims, you do not get the No Claim Bonus. This will also make your premiums high.

Installing Security Devices

Installation of security devices, approved by the IRDAI, like alarms and GPS trackers, will increase your premiums. These make your car more secure and harder to break into for insurers.

Kia Carens Key USPs

The Kia Carens comes built with multiple safety features, rated 3 stars by Global NPAC 2022, which makes it ideal for families. The car has six airbags, hill-start control (HAC), a rear-view camera and a highline tyre pressure monitoring system (TPMS). Its solid build and advanced safety systems lower the risk of crashes and injuries. Cars like the Carens have lower premium rates as they are safer and have lower claims.

Your Carens is built for large families. The cabin is spacious, comfortably fitting three adults in the third row. Each row is built at different heights for a better view for passengers in the row behind them. Ventilation and AC vents have been built for each row of seats, ensuring there is optimal comfort for daily family activities and long road trips. By prioritising passenger comfort, the Carens reduces driver fatigue, enhances safety, and reduces the risk of accidents.

Inside your Carens, you find a touchscreen, providing GPS capability and wireless Android Auto and Apple CarPlay. The panoramic sunroof offers unmatched views in different weather. Stay connected with the internet with wireless charging and charging ports at all rows of seats. The advanced accessories fitted into the Carens make driving fun and navigation in cities stress-free.

The Kia Carens is available in two versions, a 1.5-litre petrol variant and a 1.5-litre diesel variant. It can also be outfitted with a CNG kit at the dealership, further reducing the costs of running it. The engine gives good mileage, making everyday rides feel effortless. The quality of materials used ensures high durability and fewer breakdowns, making it ideal for long-term ownership.

How to File?

How to File a Kia Carens Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage and drop off your car at your address.

Step 1: Initiate the Claim

To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval, we will transfer the claim amount directly to your bank account.

Disclaimer: For the latest information on filing claims, please refer to your policy documents.

Kia Carens - Variants and Prices

Kia has three variants of the Carens car in India: Premium, and two CNG and diesel variants. Priced between ₹10 lakhs to ₹12 lakh, the Carens is a practical choice for families looking for comfort, space and value within their budget.

Model	Price as of January 2026
Carens Premium Opt	₹10.99 lakh
Carens Premium Opt CNG	₹11.77 lakh
Carens Premium Opt Diesel	₹12.77 lakh

Disclaimer: Prices mentioned here are subject to change. Prices have been taken from this source.

Key Takeaways

Whether you use your Kia Carens to drop your kids to school, transport goods for your business, or drive through uneven village roads, you know it’s built for versatility. But even the most reliable MPVs face risks, be it flash floods, tyre blowouts, or accidental damage due to rough terrain and frequent use.

That’s why protecting your Carens with a robust car insurance plan is essential. With IndusInd Kia Carens Insurance (formerly Reliance Kia Carens Insurance), you get coverage starting at just ₹308/month*, along with 24/7 support and a seamless digital experience.

We cover accidents, fire, theft, and natural disasters like floods and earthquakes. You also get third-party liability protection to stay legally compliant

Plus, with access to 11,000+ network garages, you won’t need to pay upfront,IndusInd settles the bill directly. Claims are quick and easy via the IndusInd Insurance app, using video-based claim submission.

Don’t wait! Get your Kia Carens insured today and drive with confidence, knowing you’re covered against life’s unexpected turns.

Author - Model Car

IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Get all-around protection for your Kia Carens with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.

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Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

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Frequently Asked Questions (FAQs)

What is the cost of a Kia Carens insurance?

The cost of premiums for your Kia Carens will depend on the make, model, engine capacity and other factors. Our premiums start at ₹308* monthly. Use our dedicated premium calculator to get quotes for your Carens.

My Kia Carens insurance has lapsed. What do I do?

Your Carens will not be covered by the policy if it expires. Reimbursements will be rejected if you make any claims. IndusInd policies can be renewed instantly from our website. Enter your policy details, make a payment, and your policy will be renewed.

What documents do I need to raise claims for my Kia Carens insurance?

To raise a claim for your Carens insurance, submit the filled-out form with FIR (in case of theft or third-party liability), RC and policy documents. In case of a reimbursement claim, bills and payment receipts must be uploaded as well.

Can I avail of any discounts for a Kia Carens insurance?

We provide discounts up to 90%* on online purchases of our policies. Additionally, we have NCB discounts of up to 50%. Installation of anti-theft devices will also give you additional discounts. Disclaimer: For the latest discount figures, contact us or refer to your policy documents.

What is included in a Kia Carens insurance?

A comprehensive insurance for your Kia Carens will cover own damage and third-party liabilities. It will compensate you for damage or total loss of your car due to accidents, collisions, natural disasters, and theft.