Renault Duster Car Insurance

Buy car insurance policies for your Renault Duster car online. Check Renault Duster insurance plans, coverage details, and steps to buy online.
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Buy/Renew Renault Duster Car Insurance
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3 min
25-April-2024

The Renault Duster is a compact SUV renowned for its robust design, efficient use of space, and advanced technological integrations. It delivers a comfortable driving experience with excellent fuel economy, making it suitable for both urban and highway use. For owners, it's essential to protect this investment with comprehensive car insurance that covers repair costs and provides liability coverage for damages or injuries caused to third parties.

Renault Duster car models and insurance price

Refer to the table below for an estimated third-party insurance premium cost for Renault Duster car insurance. Premiums differ based on the chosen variant of the vehicle.

Renault Duster Variant

Third-Party Premium Rates (FY 23-24)

 

Renault Duster 2015-2016 RXE

Rs. 7,897*

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Renault Duster RXE BSIV

Rs. 3,416*

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Renault Duster RXE

Rs. 3,416*

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Renault Duster 2015-2016 85PS Diesel RxE

Rs. 3,416*

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Renault Duster RXS BSIV

Rs. 3,416*

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Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key inclusions of car insurance

Here are some of the key components included in car insurance policies:

  • Accidents: Car insurance for your Renault Duster provides coverage for damages incurred by unforeseen accidents.
  • Theft: If your car is stolen, insurance coverage extends up to the insured declared value mentioned in the policy.
  • Natural and man-made disasters: Your car insurance offers protection against both natural calamities such as fire and earthquakes, as well as man-made incidents like vandalism or acts of terrorism.
  • Personal accident: Coverage of up to Rs. 15 lakh is provided for the death or disability of the owner-driver resulting from an accident.
  • Third-party liabilities: Insurance provides protection for third parties in case of injury, disability, or death caused by your vehicle.

Key exclusions of car insurance

Here are some of the main exclusions of car insurance policies:

  • Normal wear and tear and depreciation: Excludes coverage for routine deterioration and value loss due to age and use.
  • Mechanical or electrical breakdown: Not covered as these are typically maintenance issues.
  • Driving under the influence: Excludes coverage for incidents under the influence of drugs or alcohol.
  • Driving without a valid driving licence: Damages during such instances are not covered.
  • Geographical limits: Damages outside specified territorial limits are not covered.

Car insurance add-ons you can consider

Add-ons are additional coverage options that can be bought along with a comprehensive car insurance policy for your Renault Duster. Here are some of the add-ons that you can buy along with your Renault Duster car insurance policy:

  • Zero depreciation cover: Receive the total claim amount with no depreciation deduction, ideal for new cars.
  • Engine protection cover: Protects against engine damage from water ingress or oil leakage, not typically covered by standard policies. Best for vehicles in areas susceptible to flooding.
  • Roadside assistance: Offers services such as towing, flat tyre changes, and emergency fuel delivery when your vehicle breaks down.
  • Return to invoice: Compensates the full invoice price of your car, rather than its depreciated value, if it's totalled or stolen.
  • Personal accident cover: Provides compensation for death or permanent disabilities due to a car accident.
  • No-Claim Bonus protection: Allows a certain number of claims without impacting your no-claim bonus, maintaining your discount even after filing claims.
  • Consumables cover: Covers the costs of consumables like engine oil and bolts during repairs, which are generally not included under a standard policy.
  • Key replacement cover: Reimburses you for the cost of replacing lost or stolen car keys.
  • Daily allowance benefit: Offers a daily cash benefit if your car is under repair for a lengthy period, helping with the costs of alternative transport.
  • Invoice price cover: Similar to Return to Invoice, this ensures compensation up to the invoice price in case of total loss or theft of the car.

How to buy/renew Renault Duster car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Renault Duster. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

Step 4

Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Mahindra Thar with a car insurance policy.

Car insurance claim process

The car insurance claim process can be categorised into two main types: cashless claims and reimbursement claims. Each type follows specific steps and requirements to ensure a smooth handling of the claim. Here's a detailed explanation of each point within these processes:

Cashless claim process

  • Notify your insurer: As soon as an accident or damage occurs, you should contact your insurance company to report the incident. It's important to provide comprehensive details including the date, time, and circumstances of the incident to facilitate efficient claim processing.
  • Vehicle assessment: The insurance company will arrange for a surveyor to inspect the damage to your vehicle. The surveyor's job is to assess the extent of damage and prepare a detailed report estimating the repair costs. This assessment is crucial as it forms the basis of the claim settlement between the insurance company and the repair garage.
  • Send vehicle to network garage: You need to take your vehicle to a garage that is within the insurer’s network of approved service providers. These network garages have agreements with the insurance company, which allows for the cashless settlement of repair costs.
  • Claim and repair approval: The garage will provide an estimate of the repair costs to the insurance company for approval. Once approved, the garage will proceed with the necessary repairs on your vehicle. This step ensures that all repairs are authorised and accounted for within the terms of your insurance policy.
  • Settlement between insurer and garage: After the repairs are completed, the insurance company settles the bills directly with the garage. You may be required to pay any applicable deductibles or for parts of the repair that are not covered under your policy, such as certain types of damage or premium parts.

Reimbursement claim process

  • Inform your insurer: Similar to the cashless process, the first step in a reimbursement claim is to inform your insurer about the accident or damage. Providing detailed information about the incident is essential for a smooth claim process.
  • Document damage: It is advisable to take photographs of the damage and to collect any other relevant documentation or receipts that pertain to the incident. This documentation is essential for substantiating your claim.
  • Repair at any garage: In a reimbursement claim, you can choose to have your vehicle repaired at any garage, not just those within the insurer's network. This is particularly useful if a preferred or specialised service provider is needed.
  • Submit claim form: After the repairs, you need to fill out a claim form provided by your insurer and attach all necessary documentation, including repair bills, payment receipts, and potentially a police report if the incident was severe or required police involvement.
  • Claim assessment: The insurer will review your submitted claim form along with the provided documents. They will assess the legitimacy of the claim and calculate the compensation amount based on the terms of your policy and the submitted evidence.
  • Reimbursement: Once your claim is approved, the insurance company will reimburse you for the costs you incurred for the repairs. The reimbursement will take into account any deductibles and exclusions outlined in your policy.

The choice between cashless and reimbursement claims often depends on the circumstances, such as the availability of network garages near the incident location or personal preferences for specific repair services. Understanding these processes and knowing your policy details can significantly aid in handling car insurance claims effectively.Top of Form

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy

Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Frequently asked questions

What factors affect the Renault Duster car insurance premium amount?

The insurance premium for a Renault Duster can be influenced by factors such as the car's age and model, the engine capacity, the geographical location where it's primarily used, the driver's age and driving history, the type of coverage selected (comprehensive or third-party), and any additional riders or benefits included in the policy.

How can I reduce my Renault Duster insurance premium?

To reduce your Renault Duster insurance cost, consider increasing your deductible, which lowers your premium but increases out-of-pocket costs for claims. Bundle your insurance policies if possible, maintain a clean driving record, and shop around for competitive quotes. Additionally, installing safety features can qualify you for discounts.

Will the insurer inspect my Renault Duster car before renewal?

Yes, your insurer might inspect your Renault Duster before policy renewal, especially if your insurance has lapsed. This inspection is to assess the current condition of the vehicle and identify any pre-existing damage, ensuring that the new policy terms accurately reflect the vehicle’s state. Always check with your insurer for specific requirements.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler exceeding 1,500 CC. Premium may vary based on the specification of the vehicle.