Renault Kiger Car Insurance

Buy car insurance policy for your Renault Kiger car online. Check Renault Kiger insurance plans, coverage details, and steps to buy online.
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Buy/Renew Renault Kiger Insurance
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3 min
27-April-2024

The Renault Kiger is a compact SUV known for its robust design and efficient performance. For financial protection against accidents, theft, and damage, car insurance is essential for Renault Kiger owners. It ensures coverage for repairs, replacements, and liability in case of unforeseen events, offering peace of mind and legal compliance.

Renault Kiger car models and insurance price

For an estimated third-party premium cost on your Renault Kiger car insurance, consult the table below:

Renault Kiger Variant

Third-Party Premium Rates (FY 23-24)

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Renault Kiger RXE

Rs. 2,094*

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Renault Kiger RXT

Rs. 2,094*

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Renault Kiger RXT Opt

Rs. 2,094*

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Renault Kiger RXT AMT

Rs. 2,094*

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Renault Kiger RXT AMT Opt

Rs. 2,094*

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Renault Kiger RXT AMT Opt DT

Rs. 2,094*

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Renault Kiger RXZ

Rs. 2,094*

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Renault Kiger RXZ DT

Rs. 2,094*

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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

Car insurance policies offer a range of inclusions that provide comprehensive protection in various scenarios. Here are some key inclusions typically covered:

  • Accidental damage: Covers the cost of repairs to your vehicle following a collision, regardless of who is at fault. This helps mitigate financial burdens from unexpected repair bills, ensuring your car returns to road-worthy condition without significant out-of-pocket expenses.
  • Theft: Protects against the loss of your car due to theft. In such events, the insurance will compensate you up to the insured declared value (IDV) of the vehicle, helping you recover financially from the loss.
  • Natural and man-made calamities: Provides coverage against damages caused by natural disasters such as floods, earthquakes, and hurricanes, as well as man-made events like vandalism and riots. This ensures that your vehicle is protected in almost all adverse situations.
  • Personal accident: Offers a safeguard for the owner-driver in the event of accidental death or permanent total disability arising from a car accident. This coverage is crucial for providing financial security to the policyholder’s family.
  • Third-party liabilities: Covers legal liabilities for injuries or damages caused to a third party or their property by your vehicle. This is legally mandatory and protects you from potential financial losses arising from litigations related to third-party damages.

Each of these inclusions plays a vital role in providing a safety net against various common and severe risks associated with driving and owning a car.

Key exclusions of car insurance

Here are some key exclusions typically found in car insurance policies, which are important to understand as they outline what is not covered:

  • Normal wear and tear and depreciation of the vehicle: Insurance does not cover the gradual deterioration of the car due to age and usage. This includes depreciation, which is the decrease in the value of the car over time. Insurance policies exclude these to avoid claims on expected and inevitable vehicle ageing.
  • Damage due to mechanical or electrical breakdown: Any damage to the car resulting from mechanical or electrical failure is not covered. Insurance is designed to assist in sudden, unforeseen incidents rather than maintenance issues which are the car owner’s responsibility.
  • Damages due to driving under the influence of drugs/alcohol: Driving while intoxicated is not only illegal but also excluded from coverage. Accidents occurring under the influence violate policy terms and void coverage, reflecting the legal and safety standards enforced by authorities.
  • Damages while driving without a valid driving licence: Operating a vehicle without a valid licence is a breach of both legal requirements and insurance policy conditions. Claims related to incidents occurring during such circumstances are not entertained as they constitute unlawful behaviour.

Car insurance add-ons you can consider

Add-ons, or additional coverage options, enhance your comprehensive car insurance policy for your Renault Kiger. Here are some add-ons available for your Renault Kiger car insurance policy:

  • Zero depreciation cover: Provides full reimbursement without factoring in depreciation during claim settlements.
  • Engine protection cover: Covers repair or replacement of the engine due to damages from accidents or water ingression.
  • Roadside assistance: Offers help in emergencies like breakdowns, flat tyres, or fuel shortages.
  • Return to invoice: Ensures reimbursement of the invoice value of your car in case of theft or total loss.
  • Personal accident cover: Extends coverage to passengers for accidents resulting in death or disability.
  • No-Claim Bonus protection: Safeguards your accumulated no-claim bonus in case of a claim, retaining the discount on your premium.
  • Consumables cover: Covers the cost of consumable items during repairs.
  • Key replacement cover: Provides coverage for the replacement cost of lost or stolen car keys.
  • Daily allowance benefit: Offers a daily allowance for alternate transportation expenses during repairs.
  • Invoice price cover: Ensures reimbursement of the invoice price of your car in case of total loss or theft, including registration and road tax.

How to buy/renew Renault Kiger 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 Kiger. 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 Renault Kiger with a car insurance policy.

Car insurance claim process

Cashless claim process:

  • Notification: Inform your insurer about the incident through phone, website, or app.
  • Documentation: Provide relevant details to the authorities and capture photos of damages for documentation purposes.
  • Garage visit: Take your car to a network garage for assessment by a surveyor appointed by your insurer.
  • Assessment: The surveyor evaluates the damages and prepares a report to submit to the insurer.
  • Approval: Upon approval from the insurer, the network garage proceeds with the repairs.
  • Direct settlement: The insurer settles the repair bills directly with the garage, eliminating the need for upfront payment.

Reimbursement claim process:

  • Inform your insurer and register your claim.
  • Choose a garage for repairs and have a surveyor assess damages.
  • Pay for repairs and submit original bills and claim form to your insurer.
  • Your insurer reviews and reimburses your repair costs.

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 Kiger car insurance premium amount?

The insurance premium for a Renault Kiger can be influenced by several factors including the car's age and model, engine size, geographical location, the owner’s driving history, and chosen deductible amount. Additionally, the extent of coverage and any selected add-ons like zero depreciation or engine cover will also impact the premium cost.

How can I reduce my Renault Kiger insurance premium?

To reduce your Renault Kiger insurance cost, consider increasing your voluntary deductible, which lowers premiums but increases your out-of-pocket expense during claims. Opt for no-claim bonuses by driving safely and not claiming minor damages. Additionally, install anti-theft devices approved by the Automotive Research Association of India (ARAI) to qualify for discounts.

Will the insurer inspect my Renault Kiger car before renewal?

Whether your insurer conducts an inspection before renewal depends on their policies, your claim history, and the age of your car. While some may require an inspection, others offer hassle-free renewals.

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 within 1,000 CC, between 1,000 and 1,500 CC and exceeding 1,500 CC. Premium may vary based on the specification of the vehicle.