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We are all going to be paying for this through increased insurance premiums.

2420 Views 52 Replies 19 Participants Last post by  Sparklander
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I recently purchased a new 2023 Niro EV. I got quotes from pretty much every insurance provider in the states. I was turned down by two, with no reason given, and they wouldn't tell me why. I have a clean driving record, never missed any payments or had any lapses in coverage. I had to wonder if it had something to do with previous KIA models? The systems are all automated through algorithms. It shouldn't matter because all the newer models have addressed the old theft issues and increased anti-theft protocols significantly, engine immobilizer, built in theft tracking and integrated options through virtual. Some quotes came in ridiculously high, while others were about the same as my previous gas. Two companies came in much lower. Allstate and Lemonade (formerly Metro Mile), both offer pay by the mile insurance, which is much cheaper for me since I don't drive much. Allstate was still significantly lower for full coverage without going the mileage route.
The issue is that the hoodlums aren’t bothering to verify if the Kia they target is old or new, does or doesn’t have push button start or even one of the models possibly affected. They see Kia and think…let’s try it. They break in, damage the vehicle, see its pushbutton and just say oh well let’s move on to another. That’s why this issue is affecting ALL Kia’s in some way, shape or form.
I recently purchased a new 2023 Niro EV. I got quotes from pretty much every insurance provider in the states. I was turned down by two, with no reason given, and they wouldn't tell me why. I have a clean driving record, never missed any payments or had any lapses in coverage. I had to wonder if it had something to do with previous KIA models? The systems are all automated through algorithms. It shouldn't matter because all the newer models have addressed the old theft issues and increased anti-theft protocols significantly, engine immobilizer, built in theft tracking and integrated options through virtual. Some quotes came in ridiculously high, while others were about the same as my previous gas. Two companies came in much lower. Allstate and Lemonade (formerly Metro Mile), both offer pay by the mile insurance, which is much cheaper for me since I don't drive much. Allstate was still significantly lower for full coverage without going the mileage route.
EV's tend to get totalled easily because the battery can be damaged in a minor collision and then the car is a write-off. Not to mention the fact that if it catches fire, it's done. Few insurance companies want to get involved, especially if your EV burns down your home.
We don't get free steering wheel locks if the car gets the free software update. BTW, it prevents the engine from starting if you use the fob to lock it. They can break in, but it won't start.
Progressive and State Farm are the primary ones denying coverage. Others, while not outright denying coverage, are raising rates on those brands.

Progressive gave me a reasonable average quote for full coverage, Geico came in the same. I was denied by Liberty Mutual and Nationwide, with no explanation. My driving record is squeaky clean. Allstate and Lemonade (formerly Metro Mile) gave me the lowest quotes by a large margin for full coverage on my 2023 Niro EV.
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We don't get free steering wheel locks if the car gets the free software update. BTW, it prevents the engine from starting if you use the fob to lock it. They can break in, but it won't start.
If they dont open a door and brake a rear window and climb in they still can drive away after the update

If they dont open a door and brake a rear window and climb in they still can drive away after the update

Ughh, hopefully the keyless are less prone. Sounds like when my Audi got stolen last year. Bullet casings and they drove it for nearly 2 weeks adding over 700 miles, spray painted parts of it different colors, sold the custom rims and tires put on cheap ones, took out the customs floor mats and also put in different ones, stuck a baby onboard sticker in the rear, and destroyed the undercarriage (which put the estimate beyond repair). Probably did hard drug in it as it stank of something foul, but Progressive didn't test for substances regardless of my suspicions. No one ever discovered how it was stolen, it used a digital inserted key FOB, steering column was intact with only the passenger window broken out. Ended up being a blessing in disguise because insurance paid actual market value, which was way more for what I could sell it for or get in trade. I wouldn't of wanted a nasty tainted vehicle back regardless!
Ughh, hopefully the keyless are less prone. Sounds like when my Audi got stolen last year. Bullet casings and they drove it for nearly 2 weeks adding over 700 miles, spray painted parts of it different colors, sold the custom rims and tires put on cheap ones, took out the customs floor mats and also put in different ones, stuck a baby onboard sticker in the rear, and destroyed the undercarriage (which put the estimate beyond repair). Probably did hard drug in it as it stank of something foul, but Progressive didn't test for substances regardless of my suspicions. No one ever discovered how it was stolen, it used a digital inserted key FOB, steering column was intact with only the passenger window broken out. Ended up being a blessing in disguise because insurance paid actual market value, which was way more for what I could sell it for or get in trade. I wouldn't of wanted a nasty tainted vehicle back regardless!
The vehicles with push button start aren’t vulnerable at all regardless of model/year. It’s just a matter of whether the hoodlums break in first before realizing they cant take it.
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My now ex-wife found out that Traveller's Insurance won't cover Kia/Hyundai at all for comprehensive, but only liability. And that's for ALL Kia Hyundai models it seems like.
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The vehicles with push button start aren’t vulnerable at all regardless of model/year. It’s just a matter of whether the hoodlums break in first before realizing they cant take it.
Push button can be more difficult to swipe or not but their still stolen regularly and not that difficult overall.

When your key fob is in close proximity to the vehicle, thief's use a repeater and all they have to do is get close enough to where your FOB so that repeater can pick up the signal and broadcast it to them so they can on-lock and start the vehicle.

Invest in a KeyFob blocker like this one to store the FOB at home:

There are several other ways to protect vs thief but thinking that push button start is not vulnerable is not one of them, just sayin..
Push button can be more difficult to swipe or not but their still stolen regularly and not that difficult overall.

When your key fob is in close proximity to the vehicle, thief's use a repeater and all they have to do is get close enough to where your FOB so that repeater can pick up the signal and broadcast it to them so they can on-lock and start the vehicle.

Invest in a KeyFob blocker like this one to store the FOB at home:

There are several other ways to protect vs thief but thinking that push button start is not vulnerable is not one of them, just sayin..
Not vulnerable to the Kia Boys hack is what I meant. I’m well aware that there is no such thing as a theft proof vehicle. Just sayin.
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Push button can be more difficult to swipe or not but their still stolen regularly and not that difficult overall.

When your key fob is in close proximity to the vehicle, thief's use a repeater and all they have to do is get close enough to where your FOB so that repeater can pick up the signal and broadcast it to them so they can on-lock and start the vehicle.

Invest in a KeyFob blocker like this one to store the FOB at home:

There are several other ways to protect vs thief but thinking that push button start is not vulnerable is not one of them, just sayin..
There's a pretty big difference between a theft that a tween with a screwdriver can perform in seconds and something that requires a modicum of technical knowledge, specific equipment, proximity to the key.
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Not vulnerable to the Kia Boys hack is what I meant. I’m well aware that there is no such thing as a theft proof vehicle. Just sayin.
Takes more time and effort on the KIA boys hack; breaking and entering the vehicle, steering column, ignition switch, etc.

There's a pretty big difference between a theft that a tween with a screwdriver can perform in seconds and something that requires a modicum of technical knowledge, specific equipment, proximity to the key.
Insurance rates factor in risk and potential $$ liability. The risks have gone up as has the potential financial liabilities, Sportages are a target.

Rates have been rising on most KIAs in metro areas because they have become a target, does matter who's doing the damage or what kind of starter system the vehicle has. Some will give discounts on additional security measures such as lojack but nobody is giving discounts because you might have a standard push button starter.

Kia reputation has taken a hit as has the used vehicle resell values so unfortunately just like the OP stated we all might be paying for it no matter what sooner or later.
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My now ex-wife found out that Traveller's Insurance won't cover Kia/Hyundai at all for comprehensive, but only liability. And that's for ALL Kia Hyundai models it seems like.
Yep, that is what I was saying, but very few believed me that insurance companies are casting a wide net over ALL Kia/Hyundai models/years.

Unfortunately, we are probably heading back to the days of increased depreciation on Kia/Hyundai vehicles.
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