The Kia Syros is one of Kia's most feature-loaded compact SUVs, slotting neatly between
the Sonet and the Seltos and quickly becoming a popular choice among Indian buyers — making it among the most widely insured SUVs in its segment.
Whether you own the base HTE or the fully-loaded HTX(O), having the right car insurance is both a legal requirement and essential financial protection.
SMC Insurance helps you compare 30+ insurers, choose the right plan for your Syros and get an instant policy in minutes — with zero paperwork.
Third-Party Insurance (Mandatory) Third-party car insurance is the
minimum legal requirement under the Motor Vehicles Act, 1988, for every Kia Syros on Indian roads. It covers damage, injury, or death caused to a
third party in an accident involving your car. It does not cover damage to your own vehicle. While it carries the lowest premium, it leaves your
Syros — even the entry-level HTE — 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 Syros owners. It protects against
accidents, theft, fire, floods, earthquakes and other perils. Given that even Kia's most affordable Syros variant costs upwards of Rs. 8.42 Lakh
ex-showroom, comprehensive coverage ensures you are never left with a large out-of-pocket repair bill. You can also add optional riders 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 Syros.
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.
Kia Car Insurance Premium — Model-Wise Price Table
The insurance premium for your Kia Syros depends on the variant, fuel type, transmission,
IDV and the city of registration. The table below gives indicative premiums for popular Syros variants for brand-new cars registered in Zone A cities
such as Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune and Ahmedabad:
Car Model
Ex-Showroom Price (Approx.)
IDV (Approx.)
Zero Dep Add-on
Comprehensive Premium (Bundled)
Kia Syros HTE 1.0 Petrol MT
Rs. 8.42 Lakh
Rs. 8.00 Lakh
Rs. 1,400 approx.
Rs. 28,500 onwards
Kia Syros HTE(O) 1.0 Petrol MT
Rs. 9.15 Lakh
Rs. 8.70 Lakh
Rs. 1,500 approx.
Rs. 30,200 onwards
Kia Syros HTK (EX) 1.0 Petrol MT
Rs. 9.85 Lakh
Rs. 9.35 Lakh
Rs. 1,600 approx.
Rs. 32,000 onwards
Kia Syros HTK+ 1.0 Petrol MT
Rs. 10.85 Lakh
Rs. 10.30 Lakh
Rs. 1,750 approx.
Rs. 34,800 onwards
Kia Syros HTK+ 1.5 Diesel MT
Rs. 11.65 Lakh
Rs. 11.05 Lakh
Rs. 1,900 approx.
Rs. 37,500 onwards
Kia Syros HTK+(O) 1.0 Petrol DCT
Rs. 12.35 Lakh
Rs. 11.75 Lakh
Rs. 2,000 approx.
Rs. 39,800 onwards
Kia Syros HTX 1.5 Diesel AT
Rs. 13.95 Lakh
Rs. 13.25 Lakh
Rs. 2,250 approx.
Rs. 44,200 onwards
Kia Syros HTX(O) 1.0 Petrol DCT
Rs. 14.75 Lakh
Rs. 14.00 Lakh
Rs. 2,400 approx.
Rs. 46,800 onwards
Kia Syros HTX(O) 1.5 Diesel AT
Rs. 15.82 Lakh
Rs. 15.00 Lakh
Rs. 2,600 approx.
Rs. 50,500 onwards
Note: Premiums are indicative estimates for brand-new cars
registered at Coimbatore (TN-38) RTO. Actual premiums vary by registration year, variant, fuel type, IDV chosen, city and insurer. Use the quote
tool above for your exact price. The HTK (EX) trim reflects Kia's current MY2026 Syros variant lineup, which replaced the earlier standalone
"HTK" trim.
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. The TP rates applicable for Kia Syros are:
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
Note: The Kia Syros's 1.0-litre T-GDi petrol engine (998cc) falls in the up to
1000cc slab, making its TP premium Rs. 2,094/year. The 1.5-litre CRDi diesel engine (1,493cc) falls in the 1000cc–1500cc slab, making its TP
premium Rs. 3,416/year.
Note: A Third-Party Premium Revision May Be Coming in FY 2026-27 MoRTH and IRDAI are currently discussing a proposal to raise third-party premiums by 10-25%, varying by vehicle segment based on claims experience — the
first such revision in nearly six years. The exact new rates have not yet been officially notified. Until a fresh notification is issued, the rates in
the table above remain in force. Kia Syros owners renewing soon may wish to do so before any revised rates take effect.
Kia Models by CC Slab
Slab
Kia Models
Up to 1000cc — Rs. 2,094 TP
Kia Sonet (1.0 Turbo Petrol), Kia Syros (1.0 T-GDi Petrol)
1000cc–1500cc — Rs. 3,416 TP
Kia Syros (1.5 Diesel), Kia Sonet (1.5 Diesel), Kia Seltos (1.5 Petrol/Diesel)
Above 1500cc — Rs. 7,897 TP
Kia Carens/Carens Clavis (higher-capacity variants), Kia Carnival (2.2 Diesel)
How IDV Is Calculated for Kia Syros
The Insured Declared Value (IDV) is the maximum amount your insurer will pay in
case of total loss or theft of your Kia Syros. 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. Higher IDV means better coverage but slightly higher premium. Always avoid choosing the lowest IDV to reduce premium —
it leaves you under-insured in case of total loss.
Kia Syros 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 Syros HTK+ 1.0 Petrol MT:
Zone
Estimated Comprehensive Premium
Zone A (e.g., Delhi, Mumbai)
Rs. 14,500 – Rs. 19,000
Zone B (e.g., Coimbatore, Madurai)
Rs. 11,800 – Rs. 16,200
Premiums vary further based on insurer, IDV, NCB and add-ons selected.
No Claim Bonus (NCB) on Kia Syros 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 Syros
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.
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 Syros car insurance
Standard comprehensive insurance can be enhanced with optional add-on covers. The most useful ones for Kia Syros owners are:
Zero depreciation cover
At the time of a claim, insurers normally deduct depreciation from
parts such as plastic, rubber, glass and metal. Zero Dep eliminates this deduction — you receive the full repair/replacement cost without any
depreciation cut. Strongly recommended for the Kia Syros, which carries premium body panels and a large panoramic sunroof.
Engine protector cover
The engine
protector coverage 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 Syros owners driven in flood-prone areas.
Return to invoice (RTI) cover
In case of total loss (theft or beyond-economical-repair damage), RTI
pays you the original invoice value of your Kia Syros — not just the depreciated IDV. Strongly recommended for new Syros cars in their
first 1–3 years.
Roadside assistance (RSA)
RSA provides 24x7 help if your Syros breaks down anywhere — towing, battery jump-start, flat tyre assistance, emergency fuel and more.
Available from most insurers at a minimal additional premium.
Key and lock replacement cover
Key and lock replacement cover provides the cost of replacing lost or damaged car keys and locks — a
practical add-on for urban Syros owners, especially given the smart key and electric parking brake system.
Tyre protection cover
Covers repair or replacement of damaged tyres and tubes due to accidental damage,
bulging, or burst — expenses not covered under standard policies.
Consumables cover
Covers the cost of consumables like engine oil, coolant, nuts and bolts,
grease and other items that are usually excluded from standard claims. Useful for Syros 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 policyholders with 35–50% NCB.
What Is Covered And Not Covered Under Kia Syros Car Insurance?
Accidental damage to your Kia Syros
Theft or total loss of the vehicle
Damage due to fire, explosion or self-ignition
Damage due to natural calamities — floods, earthquakes, cyclones, storms
Man-made calamities — riots, strikes, 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 (road, rail, air, inland waterway)
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/reward unless commercially insured
Depreciation on replaced parts (unless Zero Dep add-on is active)
How to Buy or Renew Kia Syros Car Insurance Online at SMC
On the homepage, click the insurance category you want, such as Car Insurance or Bike Insurance.
Step 3
Enter your registered vehicle number and click on View Quotes.
Step 4
Enter your Kia Syros details such as fuel type, variant and RTO.
Step 5
Check the policy start and end date, confirm NCB details and view quotes from multiple insurers.
Step 6
SMC displays a list of available plans from partner insurers. View coverage, benefits,
inclusions/exclusions, add-ons, IDV and deductibles.
Step 7
Compare options based on comprehensive vs third-party coverage, IDV, zero depreciation,
engine protection and roadside assistance.
Step 8
Select your preferred plan and click Buy Now.
Step 9
Fill in owner details, address, contact information, driving licence/RTO details and any
other required fields.
Step 10
Make payment through the supported online gateway. After confirmation, your policy document
is sent electronically through email, WhatsApp or your account.
Step 11
Keep a digital or printed copy of your policy/certificate for future reference.
Throughout the buying process, you can contact the SMC team for support whenever needed.
Renewing Existing Insurance:
To renew insurance you will have to follow a similar process as well:
Enter your registration number above.
Your existing policy details are fetched automatically.
Review your current insurer's renewal quote.
Compare with other insurers for a better rate.
Apply your NCB discount and choose add-ons.
Pay and get instant renewal — no inspection required for timely renewal.
Why Buy Kia 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 Syros ensures that Kia's
feature-rich compact SUV stays protected on every journey. Whether you opt for a budget-friendly third-party policy to meet legal requirements
or an add-on-heavy comprehensive plan to secure your Syros's 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 Syros 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!
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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 car on public roads in India must carry at least a valid third-party liability insurance policy. Driving your Kia Syros without insurance carries a fine of up to Rs. 2,000 for the first offence and Rs. 4,000 for subsequent offences, along with possible vehicle impoundment. We strongly recommend a comprehensive policy over bare-minimum third-party coverage. Read more on fines for driving without car insurance in India.
The minimum is a third-party (TP) insurance policy. For new Kia Syros cars, a 3-year bundled TP policy is mandatory at the time of purchase. For Syros cars already on the road, annual TP renewal is required. While TP is the legal minimum, it leaves your Syros unprotected against accidents, theft, and natural calamities — comprehensive insurance is strongly recommended for better financial protection.
IDV (Insured Declared Value) is the ex-showroom price of your Kia Syros minus depreciation as per IRDAI norms. For example, a Syros HTK+ with an ex-showroom price of around Rs. 10.85 Lakh that is 2 years old would have an IDV of approximately Rs. 8.68 Lakh (after 20% depreciation). Always choose an IDV close to the actual market value — setting it too low saves a small premium but severely under-insures your car.
Yes, NCB (No Claim Bonus) is fully transferable when you switch insurers at renewal. You need an NCB certificate or your previous renewal notice from your existing insurer to carry it forward to the new policy. Since NCB belongs to the owner — not the car — it even transfers if you sell your Syros and buy a new car. NCB can reduce your OD premium by up to 50% after 5 claim-free years.
Yes, damage caused by floods, waterlogging, or cyclones is covered under comprehensive car insurance. However, if water enters the engine due to driving through a flooded area (causing hydrostatic lock), that specific engine damage is typically excluded unless you have an Engine Protector add-on. Kia Syros owners in flood-prone cities like Chennai, Mumbai, or Bengaluru should strongly consider adding Engine Protector cover at a modest additional premium.
If your policy lapses by more than 90 days, the insurer will require a pre-acceptance inspection of your Kia Syros before renewing. You also lose your accumulated NCB — potentially losing up to 50% OD premium discount built over years. For lapses under 90 days, most insurers renew without inspection. Always renew before the expiry date to avoid inspection hassle, NCB loss, and the legal risk of driving uninsured.
Yes, slightly. The 1.0-litre T-GDi petrol (998cc) falls in the "up to 1000cc" TP slab (Rs. 2,094/year), while the 1.5-litre CRDi diesel (1,493cc) falls in the "1000cc–1500cc" slab (Rs. 3,416/year). Own-damage premiums also differ marginally, since diesel variants typically carry a slightly higher ex-showroom price and IDV than the equivalent petrol trim. Your final premium depends on the specific variant, IDV and city selected.
Every car insurance policy in India mandatorily includes a Compulsory
Personal Accident (CPA) cover of Rs. 15 lakh for the owner-driver.
This covers accidental death or permanent disability of the policyholder
while driving the Kia Syros. Additional PA cover for co-passengers can be added as an optional rider.
The CPA premium is Rs. 750/year and is included in your bundled policy — it
cannot be opted out of unless you have a separate standalone PA policy.
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