Renault Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Renault car insurance policy online
The Renault range of cars is known for its striking design, innovative features, and fuel-efficient engines, delivering both comfort and safety on every drive. Models like the Renault Kwid, Duster, and Triber combine performance, space, and reliability, making them a preferred choice for both families and individual drivers in India.
Along with owning a Renault comes the responsibility of protecting it against unforeseen events. Purchasing car insurance is crucial to safeguard your vehicle from accidents, theft, natural disasters, and third-party liabilities. A valid Renault insurance policy or timely Renault car insurance renewal ensures that you are financially secure and can enjoy each journey with peace of mind. With easy online options, Renault insurance renewal is quick, convenient, and hassle-free, providing instant confirmation and uninterrupted coverage.
Why Do You Need Renault Car Insurance?
Every Renault is built to deliver comfort and performance, but owning a car also comes with risks such as accidents, theft, and natural disasters. A Renault insurance policy provides financial protection against these uncertainties, reducing the burden of high repair costs. It also covers third-party liabilities in compliance with the Motor Vehicles Act, making insurance a legal requirement for all car owners. A timely Renault car insurance renewal ensures uninterrupted protection and allows you to retain benefits, such as the No Claim Bonus (NCB). With Zurich Kotak, you get the assurance of reliable coverage, easy renewals, and quick claim settlements to keep your Renault safeguarded.
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Types of car insurance plans for Renault
When selecting a Renault insurance policy, it's crucial to understand the various coverage options available to ensure your vehicle is adequately protected. Zurich Kotak provides a range of plans tailored to meet diverse needs and preferences.
A comprehensive car insurance policy offers extensive coverage, combining both own-damage and third-party liability protection. This plan safeguards your Renault against a wide array of risks, including accidents, theft, fire, natural disasters, and man-made incidents. It's particularly beneficial for new or high-value Renault vehicles, providing robust financial security and peace of mind.
The Own Damage car insurance policy focuses on covering damages to your own vehicle resulting from accidents, fire, theft, or natural disasters. This option is ideal for policyholders who already possess third-party liability coverage and wish to enhance protection for their Renault without opting for a comprehensive plan.
Third-party car insurance is mandatory under Indian law, as stipulated by the Motor Vehicles Act, 1988. This policy covers legal liabilities arising from injury, death, or property damage caused to third parties by your Renault. While it doesn't extend coverage to your own vehicle, it ensures compliance with legal requirements and protects you from substantial third-party claims.
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Benefits of Buying Renault Car Insurance Online
Purchasing or renewing Renault insurance online is convenient, quick, and cost-effective. Here’s how it helps you:
● Instant Policy Issuance
Get your Renault insurance policy issued immediately after purchase, without physical paperwork, so your vehicle is covered immediately.
● Easy Renewal Process
Renew your Renault car insurance online to avoid gaps in coverage and maintain continuous protection for your vehicle.
● Compare Plans Easily
Compare car insurance plans, features, and coverage options for various Renault insurance policies online to select the plan that best suits your needs and budget.
● Secure Digital Policy Storage
Access your digital policy documents anytime. With Zurich Kotak, these are stored safely and can be accessed via the website or mobile app.
● Claim Management Online
Register and track claims digitally, making the process faster and clearer for policyholders.
● Exclusive Online Discounts
Enjoy special offers and lower premiums available only for online purchases, helping you save on your Renault insurance.
What's covered/not covered under Renault Car Insurance Policy?
Covered under Renault Car Insurance
● Accidental damage due to collision or impact.
● Theft or burglary of the insured Renault.
● Natural disasters such as floods, cyclones, and earthquakes.
● Man-made perils like riots, vandalism, strikes, or terrorism.
● Damages caused by fire, explosion, or lightning.
● Third-party liabilities, including bodily injury, death, or property damage.
● Personal accident cover for the owner-driver.
● Add-ons purchased, such as zero depreciation or roadside assistance.
● Damage sustained while the vehicle is in transit by road, rail, or water.
Not Covered under Renault Car Insurance
● Driving without a valid licence at the time of the incident.
● Accidents caused while driving under the influence of alcohol or drugs.
● Normal wear and tear, ageing, and depreciation of the vehicle.
● Mechanical or electrical breakdowns not linked to accidents.
● Damages occurring outside India without international coverage.
● Losses caused by war, nuclear risks, or civil disturbances.
● Consequential losses, such as oil leakage or engine failure after flooding.
● Use of the Renault for unlawful purposes, racing, or hire.
● Claims made when the policy has expired or lapsed.
Renault Car Insurance Add-ons
You can enhance your basic Renault insurance policy with optional add-ons that provide extra protection for your car and peace of mind. Here’s a breakdown:
Depreciation Cover
This ensures that when parts of your car are replaced after a claim, you receive the full cost without deductions for depreciation. It’s especially useful for new cars or expensive components.
Engine Protection Cover
Covers repairs to your car’s engine caused by issues such as water damage or oil leaks, which are generally not included in a standard policy.
Roadside Assistance
Offers support when you face emergencies on the road, such as towing, fuel delivery, tyre replacement, or jump-starting your car.
Return-to-Invoice Cover
If your car is stolen or written off, this add-on compensates you for the full original invoice value, rather than the depreciated current market value.
Consumables Cover
Covers small but essential items used during repairs, such as engine oil, nuts, bolts, and lubricants, so you don’t have to pay extra out of pocket.
Tyre Protection Cover
Protects against repair or replacement costs if your tyres are damaged due to road hazards or accidents.
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys, including key fobs.
Personal Belongings Cover
Reimburses losses of personal items kept inside the car in case of theft or an accident.
Why choose Zurich Kotak General Insurance for your Renault car insurance?
Zurich Kotak ensures that your Renault insurance policy goes beyond basic coverage to deliver convenience, flexibility, and complete protection.
Extensive Cashless Network
Access thousands of cashless garages nationwide for quick repairs.
Digital Convenience
Buy, renew, and track your policies online in minutes.
Affordable Premiums
Transparent pricing and NCB discounts keep the Renault car insurance price budget-friendly.
Customisable Add-ons
Personalise your policy with options like engine protection or zero depreciation cover.
24/7 Customer Assistance
Dedicated support in emergencies, ensuring help is always available.
Quick Claim Settlements
Hassle-free claims with simple documentation and faster payouts.
How to buy/renew Renault Car Insurance Online
Purchasing or renewing your Renault car insurance with Zurich Kotak is a simple, paperless, and quick process.
Visit Zurich Kotak’s official website and go to the Car Insurance section.
Enter your Renault’s registration details and previous policy number (for renewal) & Select the policy type—third-party, comprehensive, or standalone OD.
Choose add-ons such as zero depreciation or roadside assistance & Review the premium and coverage details.
Pay securely online using a debit card/credit card, UPI, or net banking & Receive your digital Renault insurance policy instantly on email and SMS.
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Factors Impacting the Premium of Renault Car Insurance
The cost of Renault car insurance depends on several important factors that insurers consider when calculating your premium:
How to Renew Your Renault Car Insurance for Old Cars
Timely renewal keeps your Renault protected, even if it’s an older model. Zurich Kotak makes it hassle-free:
Regular Renault car insurance renewal preserves your No Claim Bonus (NCB), prevents lapses in coverage, and ensures you stay compliant with motor insurance laws, regardless of your Renault’s age.
Visit the Zurich Kotak car insurance renewal page.
Enter your policy number or customer ID & Verify car details and existing coverage.
Choose add-ons tailored to older cars, such as roadside assistance.
Pay online securely & Download the updated policy instantly.
How to file a car insurance claim at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
List of documents required for filing a car insurance claim
Get familiar with the documents needed for speedy claim process
Documents required for car insurance claim
To raise a motor insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to Download your Renault car insurance policy copy?
If your documents are lost, downloading a Renault insurance policy copy is easy:
This ensures you always have valid proof of insurance during renewals, claims, or traffic checks.
Visit Zurich Kotak’s official website.
Log in with your registered mobile number, policy number, or customer ID.
Select the option to download a duplicate car insurance policy.
Verify your details using OTP authentication.
Instantly download or email the Renault insurance copy for your records.
Cashless network garages of Zurich Kotak
Our network cashless garages make roadside assistance simple
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance with the need for upfront payment
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Frequently Asked Questions
Yes. Third-party Renault car insurance is mandatory under the Motor Vehicles Act, 1988. Driving without valid insurance can result in penalties and legal consequences.
Premiums vary by model, age, and coverage, but a basic third-party plan starts from as low as ₹2,094*. Comprehensive policies cost more but provide broader protection.
Yes. Zurich Kotak offers a seamless process for buying or renewing Renault car insurance online, with instant policy issuance and digital documentation.
Yes. Comprehensive Renault insurance policies cover damage caused by natural disasters, including floods, cyclones, landslides, and earthquakes.
Car Insurance add-ons such as zero depreciation, roadside assistance, and engine protection provide additional financial protection, ensuring reduced out-of-pocket expenses in the event of a claim.
Maintain a claim-free record for NCB, install anti-theft devices, choose voluntary deductibles, and compare policies online to optimise your Renault car insurance price.
Yes. The NCB benefit is linked to the policyholder, not the car, and can be transferred when purchasing a new Renault car insurance policy.
Zurich Kotak ensures quick claim processing. Cashless claims are settled directly with garages, while reimbursement claims are credited after verification and approval.
Typically, you need your policy number, RC details, and a valid driving licence. For expired policies, inspection may be required before renewal.
If not renewed on time, you lose both your NCB benefit and insurance coverage. Renew quickly online with Zurich Kotak to avoid lapses.