Renault Kwid Car Insurance

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

The Renault Kwid is a compact and fuel-efficient hatchback known for its affordability and practicality, making it ideal for city driving. Car insurance is essential for Renault Kwid owners as it provides financial protection against accidents, theft, and damage. It ensures coverage for repairs, replacements, and liability in case of unforeseen events, offering peace of mind and legal compliance.

Renault Kwid car models and insurance price

For an estimated third-party premium cost on your Renault Kwid car insurance, consult the table below. Premiums differ based on the chosen variant of the vehicle. The own damage insurance premium is determined by the insurer, considering factors like cubic capacity (CC), make, model, variant, fuel type, RTO location, claim history, and various other factors.

Renault Kwid Variant

Third-Party Premium Rates (FY 23-24)

 

Renault KWID STD BSIV

Rs. 2,094*

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Renault KWID STD

Rs. 2,094*

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Renault KWID RXE BSIV

Rs. 2,094*

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Renault KWID RXE

Rs. 2,094*

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Renault KWID RXL BSIV

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.

Inclusions in Car Insurance policies:

Car insurance policies encompass a variety of inclusions for thorough protection across different scenarios:

  • Accident damage: Covers repair costs for your vehicle post-collision, irrespective of fault.
  • Theft: Offers compensation up to the IDV if your car is stolen.
  • Natural and man-made calamities: Protects against damages from both natural disasters and human-induced events like vandalism.
  • Personal accident: Provides financial support to the owner-driver in cases of accidental death or severe disability resulting from a car accident.
  • Third-party liabilities: Covers legal liabilities for injuries or damages your vehicle causes to a third party or their property.

These inclusions form a safety net against diverse risks associated with driving and vehicle ownership.

Exclusions in car insurance policies:

  • Normal wear and tear and vehicle depreciation
  • Mechanical or electrical breakdown damages
  • Incidents involving driving under the influence of drugs or alcohol
  • Driving without a valid licence
  • Damages occurring outside geographical limits specified in the policy.

Car insurance add-ons you can consider

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

  • Zero depreciation cover: No deduction for depreciation on replaced vehicle parts.
  • Engine protection cover: Covers engine damage from non-accidental causes.
  • Roadside assistance: Support for issues like flat tyres or dead batteries.
  • Return to invoice: Compensates the invoice price of the car in total loss scenarios.
  • Personal accident cover: Extends accident coverage to passengers.
  • No-Claim Bonus protection: Keeps no-claim bonus intact after a claim.
  • Consumables cover: Covers costs like engine oil, nuts, and bolts.
  • Key replacement cover: Covers expenses for replacing lost or stolen car keys.

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

Car insurance claim process

Cashless claim process:

A cashless car insurance process enables repairs for your Renault Kwid car without upfront payment at a network garage. Here's a guide to the cashless car insurance claim process:

  • Notify your insurer about the incident via phone, website, or app.
  • ·Provide relevant details to authorities and capture photos of damages.
  • Take your car to a network garage for assessment by a surveyor.
  • The surveyor evaluates damages and submits a report to the insurer.
  • Upon approval, the garage conducts repairs, and the insurer settles bills directly.

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 Kwid car insurance premium amount?

The insurance premium for a Renault Kwid is influenced by various factors including the car's age, model, and engine size. Other determinants include the driver's geographical location, driving history, and the chosen deductible amount. Additionally, the level of coverage and selected add-ons like zero depreciation also impact the premium cost.

How can I reduce my Renault Kwid insurance premium?

To lower your Renault Kwid insurance premium, consider opting for a higher deductible plan, comparing quotes from multiple insurers, and maintaining a clean driving record with minimal or no claims. These measures can effectively reduce the cost of your Renault Kwid car insurance premium.

Will the insurer inspect my Renault Kwid 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 up to 1,500 CC. Premium may vary based on the specification of the vehicle.