r/Seltos_india

I was thinking of buying the Seltos Top variant with IVT. I wanted to know the actual city and highway mileage that the users are getting. Please help me out. I live in a Tier 2 City. Thank you so much

Hi everyone,

I'm looking for some advice from people who've actually dealt with motor insurance claims in India.

I have a 2025 Kia Seltos HTK(O) 1.5 NA Petrol MT, purchased about 10 months ago. The dealership insisted that I take their insurance, so my insurer is HDFC ERGO. I also have Zero Dep, Return to Invoice, Consumables Cover, etc.

Unfortunately, over the past 10 months, I've ended up with three cosmetic scratches on three different panels, all on the left side of the car, but they happened on three different occasions:

Front quarter panel – happened on the 2nd day after delivery.

Rear quarter panel (below the fuel lid) – happened about 2–3 months later.

Driver's door – happened around 10 days ago while manoeuvring in my apartment parking after washing the car. This one damaged the PPF significantly and appears to have gone down to the primer (not bare metal).

The car is otherwise in excellent condition and is usually kept covered.

I called the dealership today to ask about claiming insurance, and over the phone they told me that only one panel can be claimed and that the other panels cannot be included.

This confused me because I always thought insurance is based on the incident, not the number of panels.

So my questions are:

Is there any actual rule (IRDAI/HDFC ERGO policy) that says only one panel can be repaired under an own-damage claim?

Or is the real reason that my scratches happened in three separate incidents, so they would be treated as separate claims?

Has anyone with HDFC ERGO had a similar experience?

Is the dealership correct, or should I wait until the surveyor/insurance coordinator inspects the car before assuming only one panel can be claimed?

I'd really appreciate hearing from people who've gone through this themselves, especially with HDFC ERGO or Kia dealerships.

Thanks in advance!

Hi All! I have bought a new Kia seltos and I am a first time car buyer, do you all think that ppf, ceramic, teflon or graphite coating gives any value to car and are they value for money?

Also have you ever used it in your own car?

Hey everyone,

I need some urgent advice. As most of you know, Kia is hiking prices by 2% across its lineup starting tomorrow, July 1st.

I’ve booked a Kia Seltos HTX Diesel at a dealership in Andhra Pradesh. The physical car is available in their stockyard, my bank is fully ready to disburse the loan amount, and we have submitted all valid documents (including a perfectly active PAN card).

I am pushing the dealer to generate the final system invoice today (June 30th) so we can lock in the pre-hike price. However, the dealer keeps making excuses, saying it's "not possible" to bill it tonight and pushing it to July. If it crosses midnight, I will easily lose ₹35,000 to ₹40,000 extra for absolutely no fault of mine.

Has anyone faced this kind of delay from a dealer right before a price hike?

Should I immediately drop a formal email to Kia India corporate escalating this refusal to invoice a ready-to-pay customer? Will corporate actually intervene and protect my price?

Any advice on how to handle the dealer or escalate this before midnight tonight would be highly appreciated!

Thank you

Hi everyone,

I'm buying my first car, a Kia Seltos GTX Diesel, and need some advice on choosing car insurance.

The dealer has quoted ₹80,000 for insurance, so I'm looking to buy it outside the dealership.

I'm currently considering a 3+3 policy (3-year Own Damage + 3-year Third Party). The quotes I've received are:

HDFC ERGO: ~₹70,000

ICICI Lombard: ~₹63,000 (both with zero dep and RTI)

Both insurers have tie-ups with Kia service centers. Should I go with one of these, or is there another insurer you'd recommend based on claim experience?

Also, would you recommend 3+3, or is it better to go with 1-year OD + 3-year TP and renew the OD policy every year?

Thanks in advance!