Car Insurance for Renault Kwid
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Home / Motor Insurance / Car Insurance / Car Insurance for Make and Model / Renault / Kwid

Buy/Renew Kwid Car Insurance

Kwid Car Insurance
Kwid, Renault’s entry level vehicle made quite the splash with its crowd-pleasing SUV-like stance and affordability. Designed specifically for the Indian market, with localisation in nearly 98% parts, it was a gamechanger for Renault in India, getting nearly 10% market share in its segment within two months of its launch in 2015.

Types of Renault Kwid Car Insurance HDFC ERGO Provides

The Renault Kwid has been designed entirely in India and is the French manufacturer’s highest selling car in the country. While it was a roaring success when it was launched back in 2015, the facelift in 2021 takes the car ahead of its competitors in all areas. With a thoughtfully designed car, you also need a thoughtful insurance policy. At HDFC ERGO, we have several options that can suit your requirements.

A comprehensive Renault Kwid car insurance policy includes a third-party liability component and an own damage (OD) component. The comprehensive car insurance policy for Kwid is notable for the latter component, which provides coverage against damage to your own vehicle as a result of an accident, or due to natural/manmade disasters. It also covers you against theft of the vehicle.

X
Suitable for car lovers seeking all-rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

The third-party liability insurance component can be bought as a standalone plan, as it is mandatory for each car on the road to have one. This is the most affordable form of car insurance, providing coverage against financial obligations to a third-party person as a result of an injury due to an accident, or damage to their property.

X
Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

The standalone own damage cover is similar to a comprehensive insurance policy, but without the mandatory third-party liability insurance. It provides coverage against damage to your own vehicle due to accidents, and natural or manmade causes, and even covers against theft. This is only recommended for pairing with an existing third-party liability insurance policy to achieve comprehensive cover.

X
Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

This is a highly recommended plan, crafted by experts for your utmost convenience and coverage. It comes with a third-party liability insurance component, valid for three years, and an annually renewable own damage cover. It provides flexibility in your coverage while also keeping you continuously covered for a relatively longer duration.

X
Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

Inclusions & Exclusions of Renault Kwid Car Insurance

Starting with the third party insurance cover, you are covered against any financial liability to a third-party person as a result of an accident that harms them or their property. This includes medical expenses as well as legal fees. The own damage cover provides coverage against damage to your own vehicle, which in addition to the third-party cover, results in comprehensive coverage. Here’s what is covered under Renault Kwid car insurance:

Covered in Car insurance policy - Accident coverage

Accident coverage

Accidents happen without warning and can cause significant out-of-pocket expenses. With insurance, your finances can breathe easy, while your policy takes care of the repairs to your vehicle.

Covered in Car insurance policy -Natural or manmade calamities

Natural or manmade calamities

Weather events can damage your Kwid directly or indirectly. With the right car insurance policy, natural disasters as well as manmade events such as vandalism, rioting, arson, etc., are covered.

Covered in Car insurance policy - theft

Theft

Theft of your car can be a traumatic and frustrating event, given the substantial cost of a Renault Kwid. Your insurance plan will provide the Insured Declared Value of the vehicle in case of theft, if it is irrecoverable.

Covered in Car insurance policy - Personal accident

Personal accident

Accident bill are often hefty and unavoidable leading to a drain in your financial resources. The personal accident cover provides the mandatory INR 15 lakhs coverage to take care of your cost of treatment.

Covered in Car insurance policy - Third party liability

Third-party liability

Damage to a third-party person or their property as a result of an accident is covered under this policy. It includes injury, disablement or death of the person, destruction of property, legal fees, and accident cover.

How to Renew Renault Kwid Car Insurance?

Renewing your Renault Kwid car insurance policy is easier than ever before, as most insurers have moved critical operations online. You no longer need to visit the insurer’s branch office or call your agent to do it for you. You can do it yourself, in a matter of minutes, from your home or anywhere else.

  • Step #1
    Step #1
    Log onto the HDFC ERGOwebsite or download the mobile app, and choose the renew option
  • Step #2
    Step #2
    Enter your car details, including registration, location, previous policy details, NCB, etc.
  • Step #3
    Step #3
    Provide your email ID and phone number, to receive the quote
  • Step #4
    Step #4
    Pay online and get the coverage you need

Why Buy Renault Kwid Car Insurance from HDFC ERGO?

A ‘good’ insurer is one that processes claims without any hassles and does it quickly and conveniently. Also, it must have extensive presence across the country, and a good claims settlement ratio. And that is why HDFC ERGO is your best bet.

Cashless garages

Cashless garages

An accident might require you to initially pay for the repairs before it gets compensated by the policy. But the funds may not always be available. Luckily, HDFC ERGO has tie-ups with over 8000 cashless garages across the country, so you can get your car repaired without any significant financial outlay.

Easy claims

Easy claims

Almost 80% of car insurance claims are processed on the same day at HDFC ERGO, ensuring little time is lost between the accident and repair.

Overnight repair service

Overnight repair service

Minor repair works on your car are carried out through the night, so that it’s ready for you in the morning when you need it.

24x7 assistance

24x7 assistance

With our 24x7 roadside assistance service, you will never be stranded helplessly, no matter how remote the location.

8000+ cashless Garagesˇ Across India

Frequently Asked Questions


Depending on your budget and personal preferences, you can go for the best-selling RXL or the 1.0l Climber AMT Opt DT. The former is a no-nonsense city option, while the latter is the top-spec, stylish cousin with a more powerful engine, dual tone paintjob, and various internal enhancements. If you’re looking for something in between, then the RXT or the 1.0 RXL AMT could be your options depending on your budget. Note, that the cost of insurance increases with the overall value of the car.
The engine capacity plays a major role in the cost of insurance. More powerful the engine, higher the insurance cost. So, one way to lower your insurance cost is to choose the 0.8l engine option. Another way is to increase your deductibles, which is the amount you will pay in case of an accident. Finally, you can purchase the car insurance policy online to save on the insurer’s administrative costs.
The Kwid comes with class-leading ground clearance at 184 mm and can handle low flooding better than its rivals. However, water above the clearance limit will likely seep into the engine and interiors and is not good for the general health of the vehicle. So, it is recommended that you avail an engine protection add-on with your Renault Kwid car insurance policy to protect your engine from the effects of flood water.
The first, second, and third service at 10,000, 20,000, and 30,000 kilometres respectively, are free of cost. However, apart from these services, routine maintenance, such as engine tune-ups or oil changes are chargeable, and are not typically covered under your car insurance policy.