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Renault Kwid Car Insurance

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Reviewed by  Manish Sinha:

Manish Sinha

Deputy Vice President

14 years of vast experience in General Insurance Industry and Motor Underwriting, Digital Underwriting, Underwriting IT, Insurance Motor Products & development.

​​The Renault Kwid is an eye-catching hatchback with an SUV-like look, making it stand out in the Indian four-wheeler market. With its stylish design and impressive performance, the car has grabbed the interest of many drivers. If you are thinking about buying this amazing vehicle, it is important to buy Renault Kwid insurance to keep it safe on the roads.

When looking for a Renault Kwid insurance policy, Reliance General Insurance provides excellent options tailored specifically for this popular hatchback. Buy car insurance for Renault Kwid with us. Our plans are designed to meet the diverse needs of Kwid owners, offering comprehensive coverage that protects against a wide range of risks.

With Reliance General Insurance as your #CarKaYaar, you can benefit from the following together with your car insurance for Renault Kwid:

5 crore+

Happy Customers*

100%

Claims Settled*

₹238/month

Starting Premiums*

11,000+

Network Garages*

How to Buy Renault Kwid Car Ins​urance - Online & Offline

Renault Kwid Car Insurance Online Buying Process

  • To buy car or Renault Kwid insurance online, head to the Reliance General’s Car Insurance

  • Provide the necessary details for your Renault Kwid, which includes the registration number, your email ID and your contact number.

  • After submitting your information, you will receive a tailored quote depending on the specifics of your vehicle’s make and model.

  • Please take a moment to ensure that the quote fits your financial plan and explore options to select add-ons from our diverse range of features.

  • Carefully review the details you entered and the options you choose to confirm their accuracy before proceeding.

  • Once you are satisfied with everything, complete the payment process to secure your Kwid insurance

Renault Kwid Car Insurance Offline Buying Process

  • Use the Branch Locator on the Reliance General website to find the closest insurance branch to your location.

  • Once at the branch, ask the staff about the various Renault Kwid insurance plans available.

  • Fill out the required application form and submit any necessary documentation as requested by the representatives.

  • Finally, select your preferred payment method to complete the transaction and secure your car insurance offline.

Process for Renault Kwid Car Insurance​ Renewal in India

  • For a hassle-free renewal of Renault Kwid insurance online, begin by navigating to the official site of Reliance General Insurance.

  • Look for the “Renewal” tab in the menu and click on "Renew Car Insurance".

  • Input your existing policy number along with the details of your vehicle.

  • If desired, select any add-ons that can enhance your Renault Kwid yearly insurance

  • Carefully check all the entered details and the Renault Kwid insurance renewal price to ensure everything is correct.

  • Finally, finalise your renewal by completing the payment using your preferred payment method.

By following these steps, you can easily renew your Renault Kwid car insurance in India with Reliance General!

How to Buy Car Insurance for a Sec​​ond-Hand Renault Kwid Car

Regardless of whether you are purchasing a used Renault Kwid or a brand-new one, securing insurance is crucial. If you are considering a second-hand model, here is how you can acquire and pay the Renault Kwid car insurance price that you selected:

  • Before insuring a second-hand Renault Kwid, it is crucial to inspect the vehicle. We assess the engine's condition and, once approved, proceed with the required documentation.

  • Next, you must collect the essential documents, including Form 29 and Form 30 duly signed by the previous car owner, a copy of the registration certificate (RC) transfer and your driving licence.

  • Start by visiting our Car Insurance page and entering your personal and vehicle details, including model, make and registration number. You will also find Renault Kwid insurance prices based on different policy options.

  • Select the appropriate policy type and any add-ons you may need, then proceed to pay the exact Renault Kwid insurance price to finalise your insurance purchase. You can choose any online payment mode for the Reliance General Kwid car insurance price.

Why Do You Need Car Insurance for Your Renault Kwid Car?

Here are some compelling reasons to invest in a Renault Kwid car insurance plan:

  • A Renault Kwid car insurance policy is essential in India since it ensures legal compliance. At a minimum, third-party insurance is required to cover damages to other properties or vehicles in an accident.

  • Opting for a comprehensive Kwid car insurance plan enhances your protection, covering risks like fire, accidents, theft and natural disasters. It helps you avoid unexpected repair or replacement costs.

  • Furthermore, car insurance offers vital financial support, with personal accident cover helping to cover medical costs for driver injuries in the event of an accident.

  • With the right Renault Kwid insurance, like the ones Reliance General Insurance puts forward, you can enjoy your drives confidently, knowing you are well-protected.

Features and Benefits of Car Insu​rance for Renault Kwid

When you opt for Renault Kwid vehicle insurance from Reliance, you secure comprehensive coverage, competitive Renault Kwid insurance prices and outstanding customer service, giving you confidence and reassurance with every drive.

Here are some of the key features and benefits of Kwid car insurance plans offered by Reliance General Insurance:

Budget-friendly Premiums

Starting at just ₹238 per month*, our Renault Kwid insurance plans offer both affordability and extensive coverage. Use our car insurance calculator to compare options and find the perfect fit for you effortlessly.

Premium Discounts

Take advantage of discounts reaching up to 80% for online transactions. Also, with a possible 50% reduction through the No Claim Bonus, you can maximise your savings with your Renault Kwid insurance policy.

All-Inclusive Coverage

Your Renault Kwid is safeguarded against numerous risks, including accidents, theft, natural disasters and man-made incidents. With Reliance car insurance for Renault Kwid cars, you get comprehensive financial and mental protection from these issues.

Liability Coverage

Since we deliver the best insurance for Renault Kwid cars, our policy includes third-party liability coverage. This protects you from financial repercussions due to injuries or damages inflicted on others in an accident involving your Renault Kwid.

Personal Accident Insurance

Receive mandatory Personal Accident Insurance coverage of up to ₹15 lakhs. It provides financial security in cases of permanent disability, injury or the unfortunate death of the owner-driver.

Usage-Based Insurance

Perfect for occasional drivers or older vehicles, our Pay-​As-You-Drive cover adjusts premiums based on actual kilometres travelled, making it a smart and economical choice.

Extensive Add-on Options

Enhance your coverage with a selection of over 10 add-ons, such as Nil Depreciation and Roadside Assistance. All these are tailored to meet your specific needs with Reliance car insurance for your Renault Kwid.

Hassle-Free Cashless Repairs

Enjoy the convenience of cashless repairs at over 11,000 authorised garages throughout India. It simplifies the repair process and eliminates the need for upfront payments.

Exceptional Claim Settlement Ratio

With a perfect 100% claim settlement ratio for FY 2023-24, Reliance General Insurance shows its commitment to swift and reliable financial support. It ensures you receive timely assistance when needed.

Streamlined Claim Process

Experience a quick, straightforward claims process featuring real-time tracking, video claims and minimal paperwork. This guarantees your Renault Kwid will be back on the road without delay.

24/7 Customer Assistance

Our dedicated support team is available 24/7 to assist with emergencies and policy-related inquiries. We ensure that you receive help whenever you need it.

Types of Renault Kwid Car Insura​nce Plans

Types of Renault Kwid Car Insurance Plans

Description

Renault Kwid Third-Party Car Insurance

Our third-party insurance meets all legal obligations and offers protection against liabilities arising from property damage, injuries or even fatalities involving third parties.

Renault Kwid Own Damage Car Insurance

Our own damage insurance of Kwid cars covers expenses related to damages resulting from accidents, theft, natural disasters and more.

Renault Kwid Comprehensive Car Insurance

For wide-ranging protection, our comprehensive Renault Kwid insurance plan combines third-party coverage and own damage protection in one policy. This offers extensive coverage and allows for add-on options to suit your needs.

Renault Kwid Pay-As-You-Drive Insurance

A versatile add-on tailored to your driving habits, offering potential savings of up to 90% on premiums. With this option, you only pay for the kilometres you expect to drive each year, making it perfect for those who drive less frequently or seek a more customised insurance solution.

Renault Kwid Zero Depreciation Insurance

With Zero depreciation car insurance or nil depreciation, when you file a claim, you receive the full cost of replacing damaged car parts without any deduction for depreciation.

Renault Kwid Insurance Coverage - Ke​y Inclusions & Exclusions

Renault Kwid Insurance Policy Inclusions

  • Coverage for damages inflicted on third-party vehicles or properties during an accident

  • Besides Renault Kwid insurance third-party benefits, your Renault Kwid is covered against various types of damage, including:

  • Explosions, fire or self-ignition

  • Theft or damaged due to burglary

  • Natural calamities such as hurricanes, floods, hailstorms and earthquakes

  • Damages incurred during an accident

  • Damage resulting from terrorist activities

  • Sustains damage while being transported, whether by road, rail or air

  • In the regrettable event of theft or total loss due to an accident

  • Personal Accident Cover for car insurance of Kwid protects the owner-driver against death, injuries and permanent disability.

  • Additional coverage options, such as Roadside Assistance and Nil Depreciation, can be included along with your car insurance of Renault Kwid, based on your chosen add-ons.

Renault Kwid Insurance Policy Exclusions

  • Any losses incurred outside the designated geographical area specified in your policy.

  • Claims arising from any contractual liabilities.

  • If the vehicle is used for purposes other than those intended as per the policy.

  • If the driver is found operating the vehicle without a valid driving licence.

  • If the driver is found to be under the influence of alcohol or any other substances at the time of the incident.

  • Any damages caused indirectly or directly by nuclear materials or weapons.

  • Damages resulting from acts of war, hostilities or invasion, including actions by foreign enemies.

  • Normal wear and tear on the vehicle.

  • Accidental damages that occur due to the driver's negligence.

Renault Kwid Insurance Add-on Co​​vers

Pay-As-You-Drive Insurance:

It tailors your car insurance premiums for Renault Kwid based on your mileage, making it a perfect choice for those who drive infrequently or short distances.

Around-the-Clock Roadside Assistance:

This service delivers 24/7 support for vehicle breakdowns and emergencies, ensuring you are never left stranded regardless of the time or place.

Nil Depreciation Coverage (Bumper-to-Bumper):

This add-on with your Renault Kwid insurance policy ensures that you receive the full replacement value for parts without any deductions for depreciation.

Engine Coverage Protection:

This add-on with your insurance of Renault Kwid car shields you from expensive engine repairs caused by damage or malfunction.

Total Cover:

This add-on option offers compensation for the full on-road price of the Renault Kwid in cases of severe damage or total loss.

Return-to-Invoice Coverage:

It guarantees reimbursement of the initial purchase price of your Renault Kwid car in the event of theft or total loss.

EMI Protection Cover:

This facilitates the payment of car loan EMIs during extended periods of repair, removing financial strain while your Renault Kwid is out of commission.

No Claim Bonus Protection Cover:

It allows you to maintain your No Claim Bonus discounts even after filing a claim, guaranteeing your premiums remain affordable.

Key Replacement Coverage:

It covers expenses related to replacing lost or stolen vehicle locks and keys, reducing the inconvenience of such situations.

Daily Allowance Benefit:

It provides a daily financial allowance for alternative transportation while your four-wheeler is undergoing repairs, helping you stay mobile.

Rim Protection Coverage:

This addresses the costs associated with repairing or replacing damaged rims, making sure your wheels remain in top condition.

Consumables Expenses:

It reimburses the costs for essential consumables like nuts and bolts and oil following an accident, certifying that your vehicle is roadworthy post-repair.

Tyre Protection Coverage:

This one includes both repair and replacement for damaged tyres, promoting safety and performance on the road.

Personal Belongings Loss Coverage:

This provides reimbursement for personal items that are stolen from your vehicle, protecting your valuables.

Geo Extension Coverage:

This extends your insurance protection to additional countries, allowing for worry-free international travel by your Renault Kwid car.

Electrical Accessories Coverage:

This safeguards against damage or theft of custom-installed electrical components, ensuring your upgrades are protected.

Non-Electrical Accessories Coverage:

Protects against damage or theft of non-electrical modifications made to your vehicle, allowing for customisation without worry.

Emergency Hotel Accommodation:

This covers hotel costs if you find yourself stranded far from home due to a breakdown, helping to ease the burden of unexpected travel disruptions.

Reliance General car insurance also provides specialised add-ons tailored for electric vehicles, including battery protection and charger coverage. It guarantees that all aspects of your EV are well-protected.

Renault Kwid Car Insurance Claim​​ Process

To file a Renault Kwid insurance claim with Reliance General, follow this simple step-by-step guide:

Renault Kwid Car Insurance Claim: Cashless Claim

  1. ​To begin your car insurance claim for your Renault Kwid car, please do so within 24 hours of the incident by following one of these methods:
    • Call our dedicated helpline at +91 22 48903009 (paid call).

    • Log in to the Reliance Self-i App for convenient access.

    • Visit our Car Insurance Claim page on our website to start your claim online.

  2. Locate a nearby authorised network garage for seamless and hassle-free repair services.

  3. Submit the necessary claim form and supporting documents to the designated surveyor.

  4. Benefit from a swift claim survey process, with a survey scheduled within 48 hours of claim initiation.

  5. Our experienced surveyors will thoughtfully inspect your Renault Kwid car to assess the extent of damages and liabilities.

  6. Receive a clear and timely decision on your claim, with either approval or denial based on the findings of the survey.

  7. After you arrive, you may enjoy the convenience of cashless repairs at the authorised network garage. This eliminates the need for upfront payments.

  8. We will directly settle the repair costs with the garage once it is completed, guaranteeing a smooth and efficient process.

*Please be aware that we do not cover costs for deductibles, uninsured parts or depreciation. You will be responsible for settling these amounts related to the repair.

Renault Kwid Car Insurance Claim: Reimbursement Claim

  • Begin the claims process the same way – via our helpline, the Reliance Self-i App or by visiting our car insurance claims

  • Collect all relevant evidence from the incident, including photographs and any other supporting materials.

  • You can take your vehicle to any nearby garage to process your reimbursement claim.

  • Have the necessary repairs performed on your Renault Kwid four-wheeler.

  • Ensure you collect all bills, receipts and invoices from the garage, as these will be essential for submitting your Renault Kwid car insurance policy claim.

  • Carefully complete the claim form, providing a detailed description of the incident.

  • Send in all necessary paperwork, including the bills and invoices, to support your claim.

​*Please keep in mind that for reimbursement claims, you will need to pay the garage bills upfront.

You can also track the status of your claim online by simply inputting your claim or policy number.

Documents for Renault Kwid Insur​ance Claim

Below are the required details and documents for a Renault Kwid insurance claim:

  • Renault Kwid motor insurance policy number

  • Name of the policyholder registered on the insurance for Renault Kwid paper

  • Your Contact number

  • Date and time of the accident

  • Make and model of the four-wheeler

  • Extent of loss

  • Registration certificate copy

  • Geographical location of the loss

  • Name of the garage (with proper address and contact information)

  • Driving licence copy

  • Repair bills

  • FIR (if the claim is for theft or third-party liabilities)

  • NOC of the financer

  • Form Nos. 28, 29 and 30 properly signed by the policyholder (in case of liability)

If you need further information, you can also review the complete list of documents required for a car insurance claim.

Renault Kwid Car Insurance Claim​: Cashless vs Reimbursement

Parameters

Renault Kwid Cashless Insurance

Renault Kwid Insurance Reimbursement

Claim Process

Our cashless car insurance for Renault Kwid is streamlined and faster.

Reimbursement claims involve a more detailed process, resulting in longer settlement times.

Bill Settlement​

Bills are settled directly with the network garage after repairs.

You must pay the garage directly before seeking reimbursement.

Convenience

Offers high convenience as there are no upfront costs involved.

Less convenient, as you need to handle both payment and the claims process yourself.

Documentation

Requires minimal paperwork at the garage, as we handle coordination directly.

Involves more extensive documentation, including original invoices, receipts and a completed claim application form.

Processing Time

Generally quicker processing for cashless claims.

It may take longer due to a more thorough verification process.

Renault Kwid Car Insurance Pre​mium

Various factors can influence your Renault Kwid insurance price. By grasping how these elements affect the cost, you can make better choices and obtain more affordable coverage options.

For third-party car insurance, the premium rates are set by the IRDAI (Insurance Regulatory and Development Authority of India), which publishes annual rates according to the engine's cubic capacity. Generally, a larger cubic capacity results in a higher premium.

When it comes to comprehensive car insurance premiums, the Renault Kwid insurance price list is influenced by the following factors:

Car Model and Variant

The particular model and variant of your Renault Kwid, including its engine capacity and any additional features, significantly influence the premium of Renault Kwid insurance price for 1 year. Typically, premiums for models with enhanced features incur higher costs.

For example the Renault Duster SUV price may be higher than the insurance cost for the base model.

Insured Declared Value

The Insured Declared Value (IDV) indicates the current market worth of your Kwid and establishes the policy's maximum coverage limit. A higher IDV leads to an increased premium but puts forth more extensive protection in the event of total loss or theft.

Age of the Vehicle

As vehicles age, their IDV generally decreases, which can lead to a reduction in premium prices. However, older cars may also be perceived as riskier, potentially impacting the overall premium.

Location

The area where you primarily drive and park your Renault Kwid can influence the insurance premium. Vehicles located in urban centres or regions with higher traffic congestion and theft rates are likely to face increased premiums due to elevated risk factors.

Deductibles

Choosing a higher voluntary deductible (the amount you agree to pay out-of-pocket before your car insurance kicks in) can result in a lower premium. However, this choice also increases your financial obligation in the event of a claim.

Also Read: Basic Factors That Affect the Rates of Car Insurance

How to Calculate Renault Kwid Car Ins​​urance Premium?

Assessing your Renault Kwid car insurance price before making a purchase is crucial for understanding the estimated costs involved. You can easily calculate your Renault Kwid car insurance price online with our free-to-use car insurance premium calculator. It allows you to compare various plans in just moments.

To get started, simply follow these steps:

  • Input your vehicle's registration number, along with your mobile number and email address.

  • Indicate whether you currently hold an existing policy with us.

  • After entering the required information, the tool will provide you with an estimated Renault Kwid insurance price.

  • For those insuring a used vehicle, additional details such as claim history, fuel type and vehicle model will also be necessary.

Also Read: Tips To Lower Car Insurance Premiums

Renault Kwid Car Insurance: Third-Party Insurance Premium

In the case of third-party car insurance, the IRDAI determines premium rates based on the engine capacity of your vehicle. This rate is standardised and applies uniformly across all insurance companies.

Therefore, you can find the corresponding premium rates based on your car's cubic capacity:

For Private Four-Wheelers

Engine Capacity (in cc)

Premium for 1 Year (in ₹)

Till 1000 cc

₹2,094

More than 1000 cc but not above 1500 cc

₹3,416

Over 1500 cc

₹7,897


For Electric Four-Wheelers

Battery (in kW)

Premium for 1 Year (in ₹)

Till 30 kW

₹1,780

More than 30 kW but not above 65 kW

₹2,904

Over 65 kW

₹6,712

Renault Kwid - Overview and U​SPs

  • The Renault Kwid is a crossover city car designed primarily for the Indian market and was launched in 2015.

  • The Kwid has a 999 cc petrol engine, available in manual and automated manual transmission (AMT) variants.

  • Known for its impressive fuel economy, the Kwid ranges from 21.46 km/l to 22.30 km/l, making it one of the most fuel-efficient options in its segment.

  • It features an SUV-inspired design with a high ground clearance of 184 mm, giving it a bold and robust appearance.

  • The car features stylish chrome accents, LED daytime running lights and a distinctive front grille, enhancing its eye-catching look.

  • Positioned as an entry-level hatchback, the Kwid offers a competitive price point, making it accessible for first-time car buyers.

Renault Kwid - Models and P​​rices

Renault Kwid Car Model

Price in Delhi (as of September 2024)*

KWID 1.0 RXE

999c, Petrol, Manual, 21.46 kmpl

₹4,70,000

KWID 1.0 RXL Opt

999c, Petrol, Manual, 21.46 kmpl

₹5,00,000

KWID 1.0 RXL Opt AMT

999c, Petrol, Manual, 21.46 kmpl

₹5,45,000

KWID 1.0 RXT

999c, Petrol, Manual, 21.46 kmpl

₹5,50,000

KWID CLIMBER

999c, Petrol, Manual, 21.46 kmpl

₹5,88,000

KWID 1.0 RXT AMT

999c, Petrol, Automatic, 22.30 kmpl

₹5,95,000

KWID CLIMBER DT

999c, Petrol, Manual, 21.46 kmpl

₹6,00,000

KWID CLIMBER AMT

999c, Petrol, Automatic, 22.30 kmpl

₹6,33,000

KWID CLIMBER DT AMT

999c, Petrol, Automatic, 22.30 kmpl

₹6,45,000

*These prices may fluctuate over time, depending on your purchase location and the specific model variant.

Renault Car Insurance for Which R​eliance Offers Insurance (Model Names)

Renault Kwid

Renault Triber

Renault Kiger

Renault Duster

Frequently Asked Questio​ns on Renault Kwid Car Insurance

  • What does Renault Kwid insurance cover?

    When you choose Reliance General Insurance for your Renault Kwid hatchback, your policy covers vehicle damage from fire, accidents and natural and man-made disasters. Also, it covers third-party liability for claims made by others.

  • How do I buy Renault Kwid insurance?

    Buying insurance for your Renault Kwid or another car model like Duster is a breeze with Reliance! Just visit our official web portal, fill out a simple online form with your details, choose your coverage and pay online. It is quick and convenient!

  • Are there discounts for Renault Kwid insurance?

    Absolutely! Reliance General Insurance often provides various discounts on your Renault Kwid model price for insurance. These can include no-claim bonuses for claim-free years, discounts for installing safety features and loyalty discounts for renewing your policy on time with us. Be sure to check our website for the latest offers!

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).​

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