Kia Niro Car Insurance

An eminent South Korean car manufacturing brand, Kia has established itself in the UAE market with its top-class and performance-driven Sedans, SUVs, and MPVs. Among the most performance-driven cars from the manufacturer is Kia Niro. This is a 5-seater SUV specially designed for the UAE roads, with its recent models even having exceptional and comfortable interiors and exteriors. ...read more

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If you are planning to buy a Kia Niro or proudly own one, you should have your Kia Niro car insurance in place. To know more about Kia Niro car insurance and the top plans in the UAE, read the following sections of the upcoming article.

  • Comprehensive
  • Third Party
*Above mentioned prices are for Kia Niro EX 1.6L, 2023 model.
*Above mentioned prices are for Kia Niro EX 1.6L, 2023 model.

Features of Kia Niro Car

Before diving into the types of Kia Niro insurance plans, let’s know more about the features of this car -

  • The internal features include a tachometer, a digital multi-trip meter, leather seats and a leather-wrapped steering wheel, a clock with digital display, a computerised odometer, electrically-adjustable seats, driving convenience control eco, and a centrally positioned fuel tank.
  • The exterior of Kia Niro features a roof rail, chromium grille, adjustable headlamps, front fog lamps, a power-adjustable rear view mirror, a back window sweeper, alloy wheels, a telescopic antenna, a rear spoiler, a turn indication for the exterior rearview, and a rear spoiler.
  • The model has plenty of safety features such as driver airbag, front and rear passenger airbag, front impact girder, side impact girder, childproof locks, rear seat belts, seat belt alert, and height-accommodating front-seat safety belts. You can also find further features like rearview camera, parking sensors, collision sensor, engine check alerting, tyre pressure monitor, front effect beams, and door-ajar alert.

Specifications of Kia Niro Car

The following table lists the major specifications of Kia Niro -

Description Specifications
Engine 1.6L Petrol Engine, 4-Cylinder 16 Valve
Fuel Type Petrol
Transmission Type DCT
Gear Box 6-speed
Engine Displacement 1599 cc
Torque  147 Nm
Power  104 hp
Cargo Volume 427 L
Fuel Tank Capacity 45 L
Seating Capacity 5 Seats
Secondary Engine Max Power 43 hp
Secondary Engine Type Electric Motor

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Top Kia Niro Car Insurance Plans

Moving on to the insurance part, you can apply for comprehensive Kia Niro car insurance or third-party liability coverage in the UAE. You can find a description of the two types of vehicle insurance plans below:

  • You can get the most comprehensive financial protection with a comprehensive Kia Niro car insurance plan. It can provide coverage in the event of third-party liabilities, damage to one's own vehicle, personal accidents, and losses from theft, fire, and natural disasters.
  • In case an accident is brought on by a third party, the third-party Kia Niro car insurance policy will pay for car repair costs, medical care costs in the event of bodily injuries, and more.

It must be kept in mind that your insurance company would be liable for these third-party expenses if you were at fault for the collision. This kind of auto insurance does not provide coverage for damage to your car. 

Note: In the UAE, third-party liability auto insurance is required.

Here are the top Kia Niro insurance plans in the UAE -

Car Insurance Plan Excess Amount
GIG Gulf (Previously AXA) Comprehensive (Agency) AED 500
Dubai National Insurance Comprehensive (Premium Agency) AED 350
Tokio Marine Comprehensive (Garage) AED 350
Watania Takaful Edge SUV Agency AED 350
Sukoon Insurance (Previously Oman Insurance) NA
Salama Insurance Third Party Only NA

Buy Kia Niro Car Insurance from Policybazaar.ae

As long as your Kia Niro is covered by car insurance, you can drive with confidence. To get the best coverage for your car, you should visit policybazaar.ae and buy auto insurance online.

Policybazaar UAE, a third-party aggregator website, hosts the top Kia Niro car insurance policies in the UAE from the major market players. The website is user-friendly and can help you easily get car insurance coverage.

Start by clicking on either the "Car Insurance" item on the home screen or the "Car Insurance" option in the menu bar. After you are taken to the lead form, provide specific details about the model and version of your car. A link will take you to a page with vehicle insurance rates after you complete the lead form.

On this page, you can go through a wide range of choices for both third-party and full-coverage car insurance. Browse the available options, evaluate them, and select the plan that best matches your needs by clicking the "Apply" tab, which is present throughout the product. After that, you can follow the prompted steps to complete the application.

Compare Car Insurance Plans

When you buy Kia Niro car insurance from policybazaar.ae, you can take advantage of numerous advantages and services such as -

  • Unified platform for comparing the policies from the top insurers in the UAE
  • Access to 24-hour client service
  • Receiving renewal notifications for your Kia Niro car insurance
  • Help from our team of experts if you're unsure about your options
  • Special discounts on insurance policies

When applying for a Kia Niro car insurance plan, make sure you have the following documents handy-

  • Driving licence
  • Emirates ID
  • Valid passport with a resident visa page (for expatriates)
  • Mulkiya (vehicle registration certificate)
  • Passport sized photograph
  • Bank statements to show your financial condition
  • Proof that the car is GCC-specified

How to Renew Your Kia Niro Car Insurance Plan in UAE?

Policybazaar.ae, a great place to purchase Kia Niro car insurance, is also the best option to renew your coverage while the grace period is still in effect. The normal length of a car insurance contract in the UAE is 13 months. You get a grace period of one month during which you can renew your coverage.

If you don't renew your car insurance within this time period, your current policy will expire and any collected benefits would be nullified. Moreover, a traffic penalty and points will be added to your driving record.

You can easily avoid this scenario with Policybazaar UAE, which notifies you frequently on your user dashboard throughout the grace period. You have two options: remain with the current strategy or adopt a new one. If you wish to switch to a new Kia Niro car insurance plan, you must fill out the lead form. Once you're done, you'll be brought to the car insurance quotes page. From this list, you can select the plan that interests you.

Keep these essential considerations in mind when renewing a Kia Niro car insurance policy -

  • Comparing insurance providers - Even if it is a common practice to stick with the current insurance company, you shouldn’t skip the comparison of providers. You can discover elements that your current plan might be missing by comparing Kia Niro insurance options with those offered by other auto insurance providers. You can easily compare plans and providers on websites like Policybazaar.ae, where you can also find special savings for the purchase.
  • Utilise Your No-Claim Bonus - You are eligible for a no-claim bonus incentive if you haven't filed a claim on your Kia Niro car insurance in a few years. This bonus increases for each year that passes without a claim. Use this reward to save money on a new policy when your car insurance is up for renewal.  To take advantage of this incentive, ask your current insurance provider for a no-claim bonus certificate.
  • Avoid Waiting Until the Policy Tenure Expires - In order to maximise your accrued benefits, make sure that your policy doesn't expire. Your insurance will expire if you don't renew it within 90 days of its expiration or the 13th month permitted by the Kia Niro car insurance policy. Research and compare the policies provided by the major UAE insurance firms during the 13th month, which is a penalty-free month to renew the car insurance policy.
  • Examine the Add-On Benefits Available -  Check your car insurance policy for all kia models, for the available riders before making the final purchase. Add-ons like Oman extension, roadside assistance, personal accident insurance, and so on can be incorporated into your package. With these riders, your motor insurance coverage is improved.

Keep the following documents handy when renewing your Kia Niro car insurance plan -

  • Emirates ID
  • A valid copy of your passport with UAE residence visa page (for expatriates)
  • Driving licence and its copy
  • Pollution test certificate
  • Mulkiya (car registration details)
  • No-claim bonus certificate (if applicable)

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How to File Your Kia Niro Car Insurance Claim?

You can file a claim on your Kia Niro car insurance coverage in case of any unintentional damage, theft, or fire. To begin the process, you must first notify the incident to police and your insurance provider. Get a copy of the police report from the nearest station once you're done, then deliver it to the insurance company.

The company will have your damaged vehicle inspected thoroughly before taking any further action, usually at a network garage. Note that if your vehicle is stolen, you would have to wait while the police search for it. The claim would be settled only after your vehicle is categorised as unrecoverable by the police.

You should be aware that Policybazaar.ae does not provide support for Kia Niro insurance cases. To file the claim, direct contact with the insurance provider would be necessary.

How to File Your Car Insurance Claim in the UAE

FAQ's

Q1. What is the complete tenure for Kia Niro car insurance in the UAE?

Ans: The car insurance plan is valid for 13 months.

Q2. Is off-road coverage covered under the Kia Niro insurance in the UAE?

Ans: Off-road driving and damage coverage are fundamental benefits offered by some auto insurance companies in the UAE. In case this cover is not there in your plan, you can always get an add-on for the same.

Q3. Can you transfer your no-claim bonus to another car owner?

Ans: Your no-claim bonus, the cumulative benefit for not making a claim throughout the policy's term, cannot be transferred to another vehicle owner.

Q4. Can you add a hired driver to your Kia Niro car insurance plan?

Ans: Yes, you can include a hired chauffeur in your auto insurance policy. Nevertheless, confirm that your chauffeur has no violations on their driving record.

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