Renault Car Insurance

Renault cars are renowned for their stylish design, feature-rich interiors, fuel efficiency and robust safety features. They offer a perfect blend of style and substance for the modern driver and are ideal for India’s diverse driving conditions. But while Renault vehicles promise a smooth and reliable ride, they also face everyday risks, such as accidents, theft and natural calamities. That is where having Renault insurance becomes essential to protect your prized vehicle.

Imagine you are driving your Renault Triber on a weekend getaway with your family. While navigating a narrow hill road, a minor misjudgment causes your car to scrape against a rock, damaging the rear door and bumper. The repair costs for the bodywork and paint job can run high, but with IndusInd Renault car insurance, the financial burden is taken off your shoulders. We will cover the cost of repairs so you can get your car restored to its original condition without draining your savings.

Starting at only ₹238 per month*, our car insurance plans make protecting your Renault both affordable and effortless. You can get your policy issued online in just 2 minutes* and file claims instantly via the IndusInd Self-i app video streaming*. From minor scratches to major damages, IndusInd General Insurance (previously Reliance General Insurance) has you covered every step of the way.

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Why 5 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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Up to 3 Years Coverage*

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Why Do You Need Renault Car Insurance?

Legal Obligation

Since car insurance is mandatory by law in India, driving your Renault without it is like hitting the road without a seatbelt. It is not only risky but also illegal. If caught, you could face fines ranging from ₹2,000 to ₹4,000, and in some cases, even imprisonment for up to 3 months. So, get your Renault insured today and protect yourself and your vehicle against life’s unexpected twists.

High Quality Repairs

Renault cars are engineered with advanced safety and smart tech features that protect you on the road. If a sudden collision damages critical parts like airbags, sensors or the chassis, the costs to restore them can be significant. In such a scenario, you can rely on our car insurance to cover the repair expenses, ensuring your car remains safe, reliable and ready for every journey without straining your finances.

Protection Against Theft

Renault cars stand out with their sleek design and advanced features, making them highly sought after and common targets for theft. Imagine your Renault Kiger gets stolen from your parking lot. It is a sinking feeling, but with Renault insurance, it becomes manageable as we cover such losses by paying the Insured Declared Value (IDV). Plus, with our Return to Invoice add-on, you can even get the original invoice amount of your car.

Covers Natural Calamities

Renault cars are built tough, but they can still suffer from natural calamities such as water damage from flooding, hail dents on the body and electrical system faults caused by heavy rains or storms. So, if your Renault sustains damage due to natural disasters, we step in to cover the repair costs and help you get back on the road quickly, saving you from out-of-pocket expenses.

Covers Fire-Related Losses

Renault cars feature advanced electrical and engine systems that, while reliable, can sometimes be vulnerable to fire hazards caused by short circuits, engine overheating, lightning strikes or explosions. Such incidents can cause severe damage, leading to expensive repairs. Our car insurance covers the resulting costs, ensuring fire and fire-related damage do not drain your savings.

Network Garages and Spare Parts

Local garages often use local parts to repair vehicles. While cheaper, these can seriously compromise your Renault’s performance and safety, leading to frequent breakdowns, a poor driving experience and a significant drop in resale value. With us, you do not have to settle for anything less than the best. With a vast network of 11,000+ garages where original parts are used, we ensure your car receives the care it deserves.

Types of Renault Car Insurance Plans

Comprehensive Car Insurance

It protects your Renault against accidents, theft, fire and natural disasters while also covering the costs if you damage someone else or their property. For example, if your car skids on a wet road, causing damage to both your car and a parked vehicle, we will cover the repair costs for both.

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Pay As You Drive Car Insurance

This plan lets you pay premiums based on the distance you actually drive, making protection personalised and cost-effective. You can choose a distance limit starting from 2,500 km up to 10,500 km* (in multiples of 1,000) and enjoy 125 km grace kilometres*. And if you drive less, your unused kilometres can be carried forward to the next year.

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Third Party Car Insurance

This insurance is legally mandatory for every Renault owner, covering damages or injuries caused to others or their property. For example, if you cause a minor accident that damages another vehicle or injures someone, this insurance covers their repair and medical expenses, protecting you from hefty out-of-pocket costs.

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Own Damage Car Insurance

This standalone plan covers costs resulting from damage to your Renault. For instance, if rats cause damage to the wiring of your car, we will cover the repair expenses to help you get your car back on the road in perfect condition. You can purchase this insurance with third-party insurance for 1 month or up to 1 year*..

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Key Features of IndusInd Renault Car Insurance

IndusInd General Insurance offers a range of car insurance plans designed to meet the unique needs of every Renault owner. Explore the key features that make these plans your trusted shield against unexpected risks -

Key Features	Descriptions
Starting Premiums	₹238/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Quick claim survey within 24 hours* of claim intimation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Self-i App
Network Garages	Over 11,000* network garages* nationwide
Instant Buying/Renewal	Available for policy purchase and renewal*
Add-Ons	13+ add-ons including 3 EV-specific add-ons*
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs* is available
24/7 Customer Support	Available through WhatsApp and Calls

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Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions and Exclusion

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Accidents and Collisions: Our plan covers the repair costs for damage to your Mahindra car caused by a road accident.

Third-party Damages: Our Mahindra car insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Mahindra car for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

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Depreciation: Depreciation of Mahindra car parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your Mahindra car, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

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Renault Car Insurance Add-On Covers

Standard car insurance policies are not always enough for Indian roads. That is why we offer a variety of add-ons that let you customise your coverage as per your unique needs. Whether you want flexible coverage or targeted protection for specific situations, our add-ons give you the freedom to safeguard your Renault your way.

Nil Depreciation

Money Saver

Also called bumper-to-bumper cover, it provides full payout without depreciation on plastic, rubber and metal parts. Beneficial for Renault car owners as it covers costly repairs/replacements of components like bumpers, trim, and body panels unique to Renault models.

Pay As You Drive

Money Saver

With this add-on, you pay premiums based on your actual car usage in kilometres. You can choose a distance between 2,500 and 10,500 km* and top up if you exceed it. Perfect for Renault owners who drive occasionally or do not travel long distances.

Return to Invoice

Money Saver

In case your Renault is stolen or damaged beyond repair, this add-on ensures you receive the full invoice amount, including taxes and registration fees, instead of the depreciated market value. This means you can replace your car without any financial loss.

Engine & Gearbox Protection

Extra Car Protection

Many Renault engines use advanced turbocharging and fuel-injection technology, making repairs expensive. So, this add-on covers damages to your car’s engine and gearbox caused by issues like oil leaks, mechanical breakdowns or water damage.

Car Tyre Protection Cover

Extra Car Protection

This add-on covers repair or replacement costs for damaged tyres due to reasons like cuts or bursts. It is especially useful for Renault car owners who drive on rough or uneven roads, encounter unpredictable weather or want to avoid costly tyre repairs.

Key & Lock Replacement

Extra Car Protection

This add-on covers the cost of replacing keys, repairing locks and reprogramming smart key systems. It is valuable for those who own Renault models equipped with advanced smart key and remote locking technology, such as the Renault Kwid, Kiger and Triber.

Consumables Expenses

Money Saver

Repairs need items like engine oil, brake oil, nuts, bolts, coolant and filters, called “consumables”. This add-on covers the cost of these small but essential parts, ensuring Renault owners do not have to pay these extra costs themselves.

RIM Protection

Extra Car Protection

Renault cars are known for their distinct alloy wheel designs that enhance the look but are vulnerable to damage from potholes, curbs and rough roads. This add-on offers protection against such damage by covering the cost of repairing or replacing rims.

Roadside Assistance

Extra Car Protection

This add-on provides reliable help through our helpline or IndusInd Self-i app whenever and wherever you need it, whether you face a breakdown, battery issue or need towing. Ideal for Renault owners who drive in varied terrains or cover long distances away from home.

Personal Belongings

Extra Car Protection

This add-on provides compensation if valuables costing more than ₹5,000* like laptops, phones or bags are stolen from your locked car. Essential for those who carry expensive gadgets and items in their car or frequently park in public places.

Daily Allowance Benefit

Money Saver

If your car is in the garage for repairs for over 3 days* after an accident and you lack a backup car, this add-on pays a fixed daily amount, easing your commute during the repair period. Especially important for Renault owners who rely on their car for work or family needs.

EMI Protection Cover

Money Saver

This add-on covers your monthly EMIs if your car is severely damaged or totalled due to an accident and the repairs take more than 21, 42, or 63 days*. It is the perfect financial backup that keeps your payments covered, easing financial stress during extended repair periods.

No Claim Bonus (NCB) Retention Cover

Money Saver

This add-on protects your NCB even after making a single claim* in the policy year, ensuring you do not miss out on valuable discounts when renewing your policy. It helps you save on your future premiums while keeping your hard-earned bonus intact.

Electrical Accessories Cover

Extra Car Protection

It protects non-standard electrical upgrades, such as premium audio systems, GPS units and rear cameras, offering Renault owners added security for their valuable tech investments by covering repairs or replacements.

Non-Electrical Accessories Cover

Extra Car Protection

If your Renault has added non-electrical accessories like CNG kits, alloy wheels or designer seat covers, this add-on protects them from damage or loss. Ideal for individuals who prefer to customise their Renault car beyond the standard features.

EV Battery Protection

EV Car Protection

This add-on covers EV (Electric Vehicle) battery damage caused by accidents, water ingress, power surges or mechanical shocks, providing crucial coverage for your battery so you can enjoy electric driving without the stress of unforeseen expenses.

Electric Motor Protect

EV Car Protection

Protect your EV’s motor from costly repairs due to short circuits, coolant leaks, water damage, overheating or similar electrical failures with this add-on, offering dedicated protection to your vehicle’s most critical component.

EV Charger Cover

EV Car Protection

If your Renault EV charging unit (including fixed unit and adaptor) gets damaged during an accident or due to theft, rat bites, fires or natural disasters, this add-on helps with repair or replacement.

Geo Extension Cover

Adventure & Travel

This add-on extends your Renault insurance policy coverage to India’s 6 neighbouring countries* (including Nepal, Bhutan, Sri Lanka and more). It is perfect for Renault owners who love exploring beyond India and want seamless protection on their cross-border journeys.

How to Buy and Renew

How to Buy/Renew {Page Name}?

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Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

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How to Renew

Go to the calculator on top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Renault Car Insurance Premium

Many factors come into play when calculating your Renault insurance premium, shaping the price and extent of your coverage. These include -

Your Renault’s IDV

The Insured Declared Value (IDV) represents the current value of your vehicle after factoring in depreciation and influences the calculation of your insurance premium. A higher IDV leads to a higher premium but also means greater coverage in case of total loss or theft. At IndusInd General Insurance, we help you choose the optimal IDV for your Renault, ensuring a balanced level of protection and a reasonable premium.

Vehicle Make and Model

Features like the Renault model, engine size, fuel type, vehicle age and safety systems affect premium pricing. For instance, higher engine capacity often leads to higher premiums due to increased repair costs and risk while advanced safety features can help reduce your insurance costs. Similarly, Renault CNG cars may have higher premiums compared to petrol variants due to higher maintenance costs.

Coverage Type

Comprehensive car insurance plans offer extensive protection against damages, theft and third-party liabilities, resulting in higher premiums. In contrast, third-party liability covers damages to others, making it more affordable but less inclusive. Choosing the right coverage balances cost with the level of protection you need for your Renault. In short, the more protection you choose for your Renault, the higher your premium will be.

Add-Ons

Opting for add-on covers increases Renault insurance premiums by extending coverage beyond the basic policy. They protect against specific risks like engine damage, zero depreciation or accessories repair and replacement. While this raises your premium, it offers greater financial security and reduces out-of-pocket expenses, allowing you to tailor your insurance to suit your unique needs and driving habits better.

Claim History

Your past claim record affects your Renault insurance premium. If you have made multiple claims, insurers may charge higher premiums due to increased risk. However, if you have not made any claims during the policy term, you can earn a No Claim Bonus (NCB) that can reduce your premium by up to 50%*. Maintaining a good claim history helps lower your insurance costs while keeping your Renault protected.

Anti-Theft Device Installation

Installing IRDAI-approved anti-theft devices in your Renault car reduces the risk of theft or unauthorised use. Since these devices lower the likelihood of insurance claims, insurers consider your car less risky and often offer discounts on your premium. This helps you save on insurance costs and enhances your vehicle’s security, providing better protection against theft, particularly in high-risk areas or busy urban locations where crime rates are higher.

Disclaimer: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.

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How to File

How to File a {Page Name} Claims?

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How to File a Mahindra Car Insurance Claim?

Cashless Claim

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Self-i app.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Self-i app's live video survey feature or by submitting photos.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days* after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).

Reimbursement Claims

Step 1: Initiate the Claim

o initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

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Renault - Models and Prices

Renault offers a diverse range of cars, from practical MPVs and stylish SUVs to compact hatchbacks. Each model combines style and functionality, making it easy to find the perfect ride for your unique journeys.

Renault Models	Price (as of August 2025)#
Renault Kiger (Manual/Automatic \| Petrol/CNG)	₹6.15 - ₹11.23 Lakh
Renault Triber (Manual/Automatic \| Petrol)	₹6.30 - ₹9.40 Lakh
Renault Kwid (Manual/Automatic \| Petrol/CNG)	₹4.70 - ₹6.45 Lakh
Renault Kiger (Manual \| Petrol)	₹6 Lakh
Renault Bigster (Manual \| Petrol)	₹12 Lakh
Renault Kardian (Manual \| Petrol)	₹11 Lakh
Renault Duster (Manual \| Petrol)	₹10 Lakh
Renault Kwid EV (Automatic \| Electric)	₹5 Lakh

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Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

Renault cars have undoubtedly carved a special place in the hearts of Indian drivers. From the city-friendly Kwid to the family-oriented Triber, the perfect blend of style, performance and affordability of Renault cars resonates deeply with everyday commuters and car enthusiasts alike.

The excitement is set to grow even further with the highly anticipated new-generation Duster and electric Kwid. These new launches are poised to garner even more love by offering advanced technology, striking designs and enhanced performance, catering to the evolving tastes of Indian consumers.

However, even the most well-engineered cars can suffer from road hazards, be it suspension damage from a pothole or scratches from a minor accident, and this can lead to significant repair bills. This is where car insurance comes in, acting as a crucial shield against high repair bills.

Whether it is a minor scratch or a major repair, IndusInd General Insurance stands by you at every turn. Starting at just ₹238 per month*, IndusInd Renault Car Insurance (formerly Reliance Renault Car Insurance) offers affordable and reliable protection and access to 11,000+ garages* nationwide that use only genuine parts.

With an impressive claim settlement ratio (CSR) of 99.57%* and an online claim filing process via the IndusInd Self-i app, we ensure your claims are processed smoothly and efficiently. Do not leave your Renault’s safety to chance.

Get IndusInd Car Insurance and keep your car protected with a plan tailored just for you!

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Reliance General Insurance

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Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Protect Your Ride with Coverage as Unique as Your Car

Secure your Renault car with extensive coverage against damage, theft and other risks! You can also customise your coverage further by adding helpful add-ons tailored to your needs.

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While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.