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Customer RatingsBuy/Renew Kwid Car Insurance
Variants of Renault Kwid Car
The Kwid comes in 11 variants in the RXE, RXL, RXT, and Climber series. The base RXE series comes with a 0.8l engine while you get the option of a 1.0l engine across the other trims. Further, the mid-trims RXL and RXT, and the top-end Climber series also come with the option of automatic transmission. The only fuel option is petrol across the variants. The 2021 facelift of the Kwid also provides dual front airbags as standard, along with additional safety and driver aids.
| Top-selling Variants |
| Kwid RXL |
| Kwid RXE |
| Kwid 1.0 RXL AMT |
| Kwid Climber 1.0 AMT Opt DT |
| Kwid Climber 1.0 MT DT |
| Kwid 1.0 RXT AMT Opt |
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.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
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.
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.
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.
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:
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.
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.
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.
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.
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.
Renault Kwid car insurance covers a whole lot of possible and likely scenarios but certainly does not cover everything! The nature of the commodity that it covers – a car, which has mechanical moving parts prone to friction, wear and tear, and malfunction, dictates that certain problems are inevitable. Therefore, the most common and likely scenarios are covered, while others may come at an additional cost. Here are the exclusions:
Depreciation
Every component of your vehicle undergoes depreciation, which is why, when it comes to parts replacement, while you get a new part, the insurer pays the depreciated amount for the part, whereas you have to bear the rest of the cost.
Wear and tear
Wear and tear of components is natural and that is why malfunction due to the same is not covered under your car insurance policy.
Electrical breakdown
Electrical circuitry and components are vulnerable to real-world conditions and can malfunction without warning. Electrical breakdown as a result of an accident or vandalism, however, is covered.
Illegal behaviour
Any illegal behaviour while driving your vehicle, can cause your claim to get rejected. This includes driving without a valid license, driving under the influence of alcohol or drugs, etc.
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 #1Log onto the HDFC ERGOwebsite or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Pay 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
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 6700 cashless garages across the country, so you can get your car repaired without any significant financial outlay.
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
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
With our 24x7 roadside assistance service, you will never be stranded helplessly, no matter how remote the location.
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