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What is car insurance for Renault?

Car insurance for Renault protects your vehicle from various risks on the road. With this insurance, your vehicle is covered whether it's damage from natural calamities like explosions or lightning or losses due to incidents like theft. It also offers third-party liability protection. Commonly known as Renault car insurance, this insurance offers peace of mind whenever you hit the road as you know you are cushioned in case of any eventuality.

Benefits of Renault car insurance

Here are the benefits that Renault car insurance offers:

Third-party legal liability

Accidents can occur without warning. If your Renault car causes injury to someone or damages their property, you may be held legally accountable. Renault car insurance provides third-party liability cover for such legal and financial responsibilities.

Personal accident cover

Renault car insurance also includes personal accident coverage for the owner-driver. In case you suffer injuries while driving, this cover helps manage medical expenses and hospitalisation costs. It ensures you get financial support during your recovery without draining your savings.

Add-on covers

You can fortify coverage from your Renault car insurance by choosing from a range of add-on covers. These optional benefits offer extra protection and convenience in unexpected situations. Popular add-ons include zero depreciation, roadside assistance and return to invoice, among others.

Robust protection

Your Renault vehicle is exposed to various risks. While some are natural, like floods and storms, others are man-made, like riots and accidents by external means. Comprehensive Renault car insurance safeguards against these threats. This helps you avoid hefty repair bills and protects your finances from taking a dip.

Why do you need Renault car insurance?

You require Renault car insurance to:

Stay legally compliant

Driving without a valid third-party insurance policy for your Renault car can lead to heavy fines and legal troubles. It’s a mandatory requirement under Indian law.

Lower repair costs

Fixing a damaged car can be costly. Costs can shoot up especially for major repairs or part replacements. A Renault car insurance policy helps cover these expenses. This can ease your financial burden significantly.

Peace of mind

With car insurance, you’re covered whether it’s a minor scratch or major damage to your Renault car. It provides peace of mind that comes with knowing that your repairs will be taken care of.

Types of coverage

There are three types of car insurance coverage. These include:

Comprehensive car insurance

A comprehensive car insurance covers your own damage along with third-party liabilities. It provides coverage for damages/losses caused by natural disasters, accidents, theft as well as damages/losses to third-parties. This policy gives well-rounded, 360-degree protection for your Renault car.

Own damage car insurance

An own damage car insurance policy covers your vehicle against natural and man-made calamites. This includes floods, lightning, accidents, theft, etc. You can enhance this policy with a range of add-ons like zero depreciation, return to invoice cover, pay as you drive and more.

Third-party car insurance

This policy covers only third-party liabilities. It doesn’t include own damage cover. Since it covers only third-party liabilities, the premium is slightly lower than a comprehensive policy. It’s mandatory to have a third-party policy while driving your Renault car on Indian roads.

What’s covered and what’s not covered under car insurance?

Inclusions
Exclusions

A car insurance for your Renault vehicle covers:

Damage to your Renault car and its accessories caused by inundation, self-ignition, tempest, storms, earthquakes, rockslides, etc
Loss or damage due to burglary, riots, strikes, accidents or other malicious acts
Legal liabilities if your car causes injury, death, or property damage to a third party
Accidental injury or death while driving, mounting, or dismounting your Renault vehicle

Factors affecting the premium of Renault car insurance

Here are the key factors that affect the premium of Renault car insurance:

Car's model and variant

The type of Renault car you own. Whether it's a compact model or a premium SUV, it plays a big role. Higher-end models often have parts that are more expensive to repair or replace. This can have a bearing on the premium amount.
Coverage selected

Whether you go for third-party cover or a comprehensive policy makes a difference. More coverage typically comes with a wider range of protection. However, it also affects the premium amount you need to pay for your policy.
Claim history

Your past insurance claims are taken into account. A clean record can work in your favour when the insurer assesses your profile. A neat claim history makes you eligible for no claims bonus which has an effect on the premium.

Add-ons for Renault car insurance

You can enhance your Renault car insurance with various add-ons. Some popular ones include:

Roadside assistance

If your car breaks down suddenly, this add-on ensures help reaches you quickly. Whether it’s towing, fuel delivery or fixing a flat tyre, you’re covered. It’s especially useful during long drives or unfamiliar routes.

Engine protect plus

This add-on covers damage to your engine and gearbox caused by water or oil leakage. It’s especially useful during heavy rains or floods. It helps you avoid high repair costs. Such damages are usually not covered under standard policies.

Return to invoice

In case your car is stolen or completely damaged, this add-on pays the full invoice value. It includes registration and road tax. You get closer to the amount you originally spent. It can be ideal for new or high-value vehicles.

Zero depreciation

This add-on ensures no deduction for wear and tear during claims. You get the full value of replaced or repaired car parts. It helps you save more in the long run. You can opt for it if you’ve a luxury Renault car model.

Note: Please go through the policy wordings to know more add-ons.

How to buy Renault car insurance online?

Buying Renault car insurance online is simple. All you need to do is:

Visit the official website of ICICI Lombard. You can search for our website through a simple online search or click here.
Next, go to the 'Motor Insurance' section at the top-left corner and click on 'Car Insurance'. Once you hover over 'Motor Insurance,' you'll find 'Car Insurance' in the dropdown.
Once you click 'Car Insurance', you'll find a form in the top-right corner. Enter your Renault car's registration number and then click on 'Get Quote'.
Follow the instructions on the page and pay the required premium. Upon payment, you’ll receive a soft copy of the policy via mobile and email.

How to make a claim for car insurance?

It’s quite easy to file a car insurance claim for your Renault vehicle:

Inform us

Call our toll-free number, use our website or IL TakeCare App to report the incident. Try to inform us as soon as possible after the damage. This helps us start the claim process quickly.

Complete your video survey

Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.

Submit your documents

Share all necessary documents along with the filled claim form. This includes your registration, license, policy and any other required papers.

Note: For detailed info on the claim process, please click here.

Documents required for car insurance claims

The documents you need to submit while making a claim for Renault car insurance are:

Policy copy
Registration certificate
Driving license
FIR or police report (depending on loss type)
Garage estimate
Repair invoice
Any other document/information required by the insurer

Note: Please click here to see the complete list of documents required

Car insurance for other brands

MARUTI
HYUNDAI
M & M
TATA
HONDA
TATA MOTORS
MAHINDRA
VOLKSWAGEN
KIA MOTORS
FORD
Toyota
SKODA
MERCEDES
MORRIS GARAGES
BMW
NISSAN
JEEP
AUDI
GM
KIA

Note: The aforesaid list is only illustrative not exhaustive

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Is it mandatory to have insurance for my Renault car?

Yes, as per Indian law, having a third-party insurance is mandatory for all vehicles, including Renault cars. Comprehensive insurance, while optional, is highly recommended for better coverage.

Can I renew my Renault car insurance before it expires?

Yes, you can renew it before the expiry date. Renewing early ensures continuous coverage and may help you retain your No Claim Bonus (NCB).

What is No Claim Bonus (NCB) in Renault car insurance?

NCB is a reward for not raising any claims during the policy year. It can reduce your renewal premium over time.

What happens if my Renault car insurance lapses?

If it lapses, your vehicle won’t be legally allowed on the road. Also, you’ll lose accumulated NCB. Renew it as soon as possible to avoid inspection or penalties.

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