The Kia Seltos is India's highest-selling compact SUV and the car that established Kia's dominance in the Indian market. Kia launched an all-new, second-generation Seltos on January 2, 2026 (bigger, more feature-rich and with revised variant names and pricing), making it one of the most widely insured vehicles in its segment across India. Whether you own the base HTE Petrol MT or the top-spec X-Line (A) with the 7-speed DCT, having the right car insurance is both a legal requirement under the Motor Vehicles Act, 1988 and essential financial protection. SMC Insurance helps you compare 30+ insurers, choose the right plan for
your Seltos and get an instant policy in minutes, with zero paperwork.
There are three broad types of motor insurance available in India, and the right one for your Seltos depends on how much financial exposure you are comfortable with.
Third-Party Insurance (Mandatory) Third-party car
insurance is the minimum legal requirement under the Motor Vehicles Act, 1988, for every Kia Seltos on Indian roads.
It covers damage, injury, or death caused to a third party in an accident involving your car, but it does not cover
damage to your own vehicle. While it carries the lowest premium, it leaves your Seltos
(even the entry-level HTE Petrol MT) completely unprotected against accidents, theft, or natural calamities.
Comprehensive Insurance (Recommended)
Comprehensive car insurance covers third-party liability and your own vehicle damage,
making it the strongly recommended choice for all Kia Seltos owners. It protects
against accidents, theft, fire, floods, earthquakes and other perils. Given that even
Kia's most affordable Seltos variant costs upwards of Rs. 10.99 Lakh ex-showroom,
comprehensive coverage ensures you are never left with a large out-of-pocket
repair bill. Optional add-on riders are available for enhanced protection.
Standalone Own Damage (OD) Policy
If you already hold a valid third-party policy from another insurer, you can
purchase a Standalone Own Damage policy separately to cover repair
costs for your Kia Seltos. Standalone OD policies became available
following IRDAI regulatory changes, giving car owners the flexibility
to choose their own-damage insurer independently of their TP policy.
New (2nd-Gen) Kia Seltos — What Changed for Insurance Buyers
The new Seltos launched in January 2026 uses a fresh variant
structure (HTE, HTE(O), HTK, HTK(O), HTX, HTX(A), GTX, GTX(A) and X-Line/X-Line(A)), replacing the earlier
HTX/HTX+/GTX+ naming. It's larger (4,460mm long, up 95mm), gets 6 airbags as standard and is offered
with a 1.5L turbo-petrol (158bhp/253Nm, 6-speed iMT or 7-speed DCT), a diesel option and a CNG option.
If you're insuring a pre-2026 Seltos, your RC will likely still show the older HTX/GTX/X-Line naming,
that's not an error, just the previous generation. Always match your add-on and IDV choices to the
exact variant and model year on your registration certificate, since the price (and therefore IDV)
differs meaningfully between generations. Note also that Kia has announced a price hike of up to 2%
across Seltos variants effective July 1, 2026, so if you're buying new around that date, check the latest ex-showroom price
before finalising your policy.
Kia Seltos Car Insurance Premium — Model-Wise Price Table
The insurance premium for your Kia Seltos depends on
the variant, fuel type, IDV and the city of registration. The table below gives indicative
premiums for current (2nd-gen) Seltos variants, for brand-new cars registered in
Zone A cities (Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune, Ahmedabad).
Car Model
Ex-Showroom Price (Approx.)
IDV (Approx.)
Zero Dep Add-on
Comprehensive Premium (Bundled)
Kia Seltos HTE Petrol MT
Rs. 10.99 Lakh
Rs. 10.44 Lakh
Rs. 2,600 approx.
Rs. 21,500 onwards
Kia Seltos HTK Petrol MT
Rs. 12.61 Lakh
Rs. 11.98 Lakh
Rs. 3,000 approx.
Rs. 24,500 onwards
Kia Seltos HTX Petrol MT
Rs. 15.59 Lakh
Rs. 14.81 Lakh
Rs. 3,700 approx.
Rs. 29,500 onwards
Kia Seltos HTX(A) Turbo-Petrol DCT
Rs. 17.49 Lakh
Rs. 16.62 Lakh
Rs. 4,100 approx.
Rs. 33,000 onwards
Kia Seltos GTX(A) Turbo-Petrol DCT
Rs. 19.49 Lakh
Rs. 18.52 Lakh
Rs. 4,600 approx.
Rs. 36,500 onwards
Kia Seltos X-Line (A) Turbo-Petrol DCT
Rs. 19.99 Lakh
Rs. 18.99 Lakh
Rs. 4,700 approx.
Rs. 37,500 onwards
Kia Seltos Diesel MT (mid variant)
Rs. 12.89 Lakh
Rs. 12.25 Lakh
Rs. 3,100 approx.
Rs. 25,000 onwards
Kia Seltos Diesel (A) (top variant)
Rs. 19.99 Lakh
Rs. 18.99 Lakh
Rs. 4,700 approx.
Rs. 37,500 onwards
Premiums are indicative estimates for brand-new cars registered at
Delhi (DL) RTO, inclusive of 18% GST. Actual premiums vary by registration year, variant, fuel type, IDV chosen,
city and insurer. Use the quote tool above for your exact price.
GST on Kia Seltos Car Insurance
All motor insurance premiums in India (third-party, comprehensive,
own-damage and add-ons) attract a flat 18% GST, unchanged by the September 2025 GST 2.0 reforms (which exempted only
individual life and health insurance). So on a Rs. 25,000 comprehensive premium (pre-tax), GST adds Rs.
4,500, for a total of Rs. 29,500. The GST 2.0 reforms did reduce GST on small and mid-size new cars, which can modestly lower ex-showroom price and IDV (and therefore the own-damage premium) for buyers of new Seltos units purchased after September 22, 2025. Existing policyholders
renewing older Seltos policies see no change and continue paying 18% GST as before.
IRDAI Third-Party Premium Slabs for Kia Cars
Third-party (TP) premiums for private cars are
regulated and notified by the Ministry of Road Transport & Highways (MoRTH) in consultation with IRDAI. These rates
have been unchanged since FY 2019-20:
Annual Third-Party Premium (Private Cars)
Engine Capacity
Annual TP Premium
Up to 1000cc
Rs. 2,094
1000cc to 1500cc
Rs. 3,416
Above 1500cc
Rs. 7,897
Kia Seltos's 1497cc petrol / 1482cc diesel engine falls
in the 1000cc–1500cc slab — TP premium Rs. 3,416/year.
Note: MoRTH and IRDAI are currently reviewing a proposal to raise TP premiums by 10–25%, the first revision in over six years. The new rates have not yet been officially notified at the time of writing. Check the IRDAI website (irdai.gov.in) or
your insurer's portal at the time of renewal for the rate applicable on your policy start date.
Kia Models by CC Slab:
CC Slab
Kia Models
Up to 1000cc — Rs. 2,094 TP
None currently in the Kia India lineup
1000cc–1500cc — Rs. 3,416 TP
Kia Seltos, Kia Sonet, Kia Carens, Kia Carens Clavis
Above 1500cc — Rs. 7,897 TP
Kia Carnival, Kia EV6
How IDV Is Calculated for Kia Seltos
The Insured Declared Value (IDV) is the
maximum amount your insurer will pay in case of total loss or theft of your Kia Seltos. IDV is calculated based on the ex-showroom
price minus depreciation, as per IRDAI-prescribed depreciation rates.
Car Age
Standard Depreciation
IDV Retained
Less than 6 months
5%
95%
6 months to 1 year
15%
85%
1 to 2 years
20%
80%
2 to 3 years
30%
70%
3 to 4 years
40%
60%
4 to 5 years
50%
50%
For cars older than 5 years, IDV is agreed upon mutually between the insurer and the policyholder.
Always avoid choosing the lowest IDV to reduce premium, as this leaves you under-insured in case of total loss.
Kia Seltos Car Insurance Premium by City
IRDAI classifies Indian cities into Zone A and
Zone B for own-damage (OD) pricing. Zone A cities carry slightly higher premiums due to greater traffic density,
accident frequency and theft rates.
Zone A Cities: Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune, Ahmedabad
Zone B Cities: All other cities and towns in India
Estimated Premium for a 3-Year-Old Kia Seltos HTK Petrol MT:
Zone
Estimated Comprehensive Premium
Zone A (e.g., Delhi, Mumbai)
Rs. 13,500 – Rs. 19,500
Zone B (e.g., Coimbatore, Jaipur)
Rs. 11,500 – Rs. 16,500
Premiums vary further based on insurer, IDV, NCB and add-ons selected.
No Claim Bonus (NCB) on Kia Seltos Car Insurance
If you haven't made any claim during a policy year, you earn a No Claim Bonus (NCB) — a discount applied to the own-damage (OD) portion of your premium at renewal.
NCB is one of the most valuable benefits for careful Kia Seltos owners.
Claim-Free Years
NCB Discount
1 year
20%
2 consecutive years
25%
3 consecutive years
35%
4 consecutive years
45%
5 consecutive years
50%
Key NCB Facts:
NCB belongs to the owner, not the car — it transfers when you change insurers or when you sell your Seltos and buy a new vehicle.
NCB is lost if you make an own-damage claim during the policy year.
You can protect your accumulated NCB with an NCB Protect Add-on — especially useful for high-NCB policyholders (45–50%).
Add-on covers for Kia Seltos car insurance
Standard comprehensive insurance covers the broad strokes, but it has more gaps than most Seltos owners realise. The right add-ons close those gaps without dramatically inflating your premium. Here are the most relevant ones for Kia Seltos owners.
Zero Depreciation Cover (Zero Dep):
At the time of a claim, insurers normally deduct depreciation from parts (plastic, rubber, glass, metal). Zero Dep eliminates this deduction — you receive the full repair or replacement cost without any depreciation cut. Strongly
recommended for Kia Seltos under 5 years old.Visit Learn more
Engine protector cover
Covers damage to the engine and gearbox caused by
water ingression, hydrostatic lock or leakage of lubricating oil — events not covered under standard
comprehensive policies. Particularly important for Seltos owners driving in flood-prone areas.Visit
Learn more
Return to invoice (RTI) cover
In case of total loss or theft, RTI pays you
the original invoice value of your Kia Seltos rather than the depreciated IDV. Strongly recommended for new Seltos
cars in their first 1–3 years.Visit Learn more
Roadside assistance (RSA)
Provides 24×7 help if your Seltos breaks down anywhere —
towing, battery jump-start, flat tyre assistance and emergency fuel delivery. Available from most insurers at a
minimal additional premium.Visit Learn more
Key and lock replacement cover
Covers the cost of replacing lost or
damaged car keys and locks — a practical and affordable add-on for urban Seltos owners.Visit Learn more
Tyre protection cover
Covers repair or replacement of damaged tyres and tubes
due to accidental damage, bulging, or burst — expenses not covered under standard comprehensive policies.
Consumables cover
Covers the cost of consumables like engine oil, coolant, nuts and bolts and grease that are usually excluded from standard claims. Useful for Seltos owners who want maximum claim settlement without deductions.
NCB protect
Allows you to make one own-damage claim in a policy year without losing your accumulated NCB. Highly
recommended for Seltos policyholders with 35–50% NCB after several claim-free years.
Covered (Inclusions)
Accidental damage to your Kia Seltos
Theft or total loss of the vehicle
Damage due to fire, explosion or self-ignition
Damage due to natural calamities including floods, earthquakes, cyclones and storms
Man-made calamities including riots, strikes and terrorism
Third-party bodily injury or death
Third-party property damage
Personal accident cover for the owner-driver (compulsory — Rs. 15 lakh cover)
Transit damage by road, rail, air or inland waterway
Not Covered (Exclusions)
Normal wear and tear of parts
Mechanical or electrical breakdown
Damage while driving without a valid licence
Damage while driving under the influence of alcohol or drugs
Damage due to war, nuclear risks or radioactive contamination
Consequential losses
Claims arising from use of vehicle for hire or reward (unless a commercial policy is held)
Depreciation on replaced parts (unless Zero Dep add-on is active)
How to Buy or Renew Kia Seltos Car Insurance Online at SMC
Enter your registered vehicle number and click on "View Quotes."
Step 4
The upcoming prompts will ask you for your vehicle details like brand, model, fuel type, variant and respective RTO.
Step 5
Once given, you can check the policy start and end date, confirm NCB details and view quotes from various insurers.
Step 6
SMC will display a list of available plans or quotes from partner insurers. You can view plan details like coverage, benefits, inclusions/exclusions, add-ons (if available) and insured declared value.
Step 7
Compare the available options and consider things like third-party vs comprehensive, add-ons (e.g. zero-depreciation, roadside assistance) as per your needs.
Step 8
Once you select the plan you want, click the button labelled "Buy Now." Fill out your personal details as required and ensure all details are accurate.
Step 9
Make the payment via the online gateway. After payment confirmation you will receive your policy document electronically. Keep a digital or printed copy for future reference.
Throughout the buying process, you have the option to contact the
SMC Team for any kind of support you need.
Renewing Existing Insurance:
1. Enter your registration number above.
2. Your existing policy details are fetched automatically.
3. Review your current insurer's renewal quote.
4. Compare with other insurers for a better rate.
5. Apply your NCB discount and choose add-ons.
6. Pay and get instant renewal — no inspection required for timely renewal.
Why Buy Kia Seltos Car Insurance Through SMC?
30+ Insurers Compared: Get quotes from HDFC ERGO, Tata AIG, Bajaj General, ICICI Lombard, New India, SBI General and more in one place.
100% Online, Zero Paperwork: Buy or renew in under 2 minutes from your phone or laptop.
Dedicated Claim Support: SMC's in-house claims team assists you from intimation to settlement.
4.1/5 Google Rating: Verified customer reviews reflect our service quality.
Instant Policy Issuance: Policy document sent to your email and WhatsApp immediately on payment.
Summing Up
Choosing the right insurance for your Kia Seltos ensures
that your Kia Seltos stays protected on every journey. Whether you opt for a budget-friendly third-party
policy to meet legal requirements or a comprehensive plan with the right add-ons to secure your
Seltos's full value, SMC Insurance makes the process effortless. Compare quotes from over 30 leading insurers,
leverage your No Claim Bonus and secure instant digital protection for your Kia Seltos today — with zero paperwork and complete peace of mind.
Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product's performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
I have purchased a new vehicle and was looking for the car insurance with comprehensive coverage. SMC Website was quick to assist me with the premium amount and the payment process was easy. Happy with their services.
Payal kaur Chandigarh, April 28, 2025
Smooth Process
I purchased my car insurance from SMC, and it has truly been worth it. When my car caused third-party damage, I simply shared the photos and videos with them. Thanks to Sachin, the customer executive, my insurer settled the claim within just a week. Really satisfied with the service!
Rajnish Singh Puna, April 16, 2025
Excellent Support
This is the best insurance company as they have assisted me well while buying the car insurance policy. Kudos to SMC!
Yes, under the Motor Vehicles Act, 1988, every Kia Seltos on Indian roads must carry at least a valid third-party liability policy. Driving without insurance attracts a fine of up to Rs. 2,000 for the first offence and Rs. 4,000 for repeat violations. Given the Seltos's position as a premium compact SUV with ex-showroom prices ranging from Rs. 10.99 Lakh to nearly Rs. 20 Lakh, comprehensive coverage is strongly recommended over bare-minimum TP cover.
The legal minimum is a third-party (TP) policy. For a newly purchased Kia Seltos, a 3-year bundled TP policy is mandatory at registration. For existing Seltos cars, annual TP renewal is required. A TP-only policy, however, leaves your Seltos — one of India's most popular compact SUVs, completely unprotected against accidents, theft, fire and natural calamities. Comprehensive insurance is essential for this price segment.
IDV equals the ex-showroom price of your Kia Seltos minus IRDAI-prescribed depreciation. A Seltos HTE Petrol priced at Rs. 10.99 Lakh that is 2 years old would carry an IDV of approximately Rs. 8.79 Lakh (after 20% depreciation). Always insure at an IDV close to the market value, setting it too low saves a marginal premium but results in significant under-compensation in a total loss or theft claim.
Yes, NCB is fully portable across insurers. You need an NCB certificate or your previous renewal notice to carry it forward. NCB belongs to the owner (not the vehicle) so it also transfers if you sell your Seltos and buy a new car. Five consecutive claim-free years earns a 50% discount on OD premium, which can mean a saving of Rs. 5,000–10,000 or more annually on a Kia Seltos comprehensive policy.
Yes, standard comprehensive insurance covers damage caused by floods, waterlogging, cyclones and storms. However, engine damage from hydrostatic lock (water entering the engine while driving through a flooded road), is excluded unless you have added an Engine Protector rider. Kia Seltos owners in cities like Chennai, Mumbai and Hyderabad should strongly consider this add-on, particularly given India's increasingly severe urban flooding during monsoons.
A lapse of more than 90 days requires a pre-acceptance inspection of your Kia Seltos before the insurer will reinstate coverage. You also forfeit all accumulated NCB, potentially losing years of claim-free driving discount. For lapses under 90 days, most insurers renew without inspection. Always renew before the expiry date to protect your NCB, avoid inspection delays and remain legally compliant on Indian roads.
Standard comprehensive insurance deducts depreciation on replaced parts, typically 25–50% on plastic bumpers, rubber seals and glass. Zero Depreciation (Zero Dep) eliminates this deduction, so you receive the full repair or replacement cost. For Kia Seltos under 5 years old, Zero Dep can significantly boost claim payouts, especially for bumper, sensor cluster, or panoramic sunroof replacements on higher variants. It adds approximately Rs. 2,600–4,700 to your annual premium depending on variant.
Every Kia Seltos insurance policy mandatorily includes a Compulsory Personal Accident (CPA) cover of Rs. 15 lakh for the owner-driver. This covers accidental death or permanent total disability while driving. Optional co-passenger PA cover can be added as a rider. The CPA premium is Rs. 750/year and is bundled into your policy, it cannot be waived unless you hold a separate standalone personal accident policy.
Yes, an 18% GST applies to all motor insurance premiums in India (third-party,
comprehensive, own-damage and add-ons) and this was unaffected by the September 2025 GST 2.0
reforms that exempted individual life and health insurance. New Seltos buyers may see a
marginally lower own-damage premium where the GST 2.0 cut reduced ex-showroom price and
IDV, but the 18% tax rate on the insurance premium itself remains unchanged.
.png "Kia Seltos Car Insurance - Buy/Renew Online")
Instant Renewal.
No Paperwork.
