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Car insurance is mandatory to drive a car on Indian roads. In addition to the coverage of legal liabilities, the Comprehensive Car Insurance policy provides coverage for accidental damage to your vehicle. By insuring your Renault, you are at peace knowing that you are financially protected in case of unforeseen liabilities. Read ahead to learn about Renault car insurance and the benefits of buying online car insurance.
Why Choose Online Car Insurance for Renault Cars?
Mentioned below are primary reasons why you should prefer online Renault insurance compared to the offline mode:
1. Paperless
Online car insurance is a paperless method. Through this process, you do not have to fill lengthy forms or submit documents to apply for an insurance plan. ACKO’s online car insurance process of buying/renewing the policy can be completed within a few minutes without any paperwork or documentation.
2. Easy and Fast
Online insurance is available 24/7. You can visit ACKO’s website or app to buy/renew/raise a claim against your car insurance online. You can access the website or app from anywhere and anytime using your internet-enabled smartphone.
3. Transact Directly with ACKO
With no agents or middlemen to influence your decision, you can buy or raise a car insurance claim against the policy directly with ACKO. You can even pay your Renault insurance renewal online. Due to no middlemen involved, you can buy wider coverage at an affordable cost.
Types of Car Insurance Plans for Renault Cars
Car insurance plans for Renault vehicles are mainly of two types: Third-party Insurance Policy and Comprehensive Insurance Policy. Below are the coverage details of these car insurance policies:
Third-party Car Insurance Policy
Third-party Car Insurance provides financial coverage against third-party losses arising due to injury to the third party or damages to their property. This plan is mandatory as per The Motor Vehicles Act, 1988. However, it does not cover damages to the insured vehicle.
Comprehensive Car Insurance Policy
Comprehensive insurance provides coverage not only against third-party liabilities but it also provides coverage for the insured vehicle through the Own Damage (OD) cover. The OD cover provides financial coverage in case of damages due to an accident, fire, natural calamities, man-made calamities. It also provides coverage for the insured vehicle in case of theft or total loss. You also have the option to buy add-on covers that suit your requirements.
Third-party Insurance Vs Comprehensive Insurance
| Coverage | Comprehensive Bike Insurance | Third-Party Bike Insurance |
|---|---|---|
| Third-party injury or damages to their property | ✔ | ✔ |
| Accidental damages to the Renault | ✔ | ✘ |
| Damages/losses due to man-made calamities (riots, etc.) | ✔ | ✘ |
| Damages/losses due to natural calamities (floods, etc.) | ✔ | ✘ |
| Theft of the insured vehicle | ✔ | ✘ |
| Personal Accident cover (PA) | ✘ (But mandatory with either one of the plan) | ✘ (But mandatory with either one of the plan) |
| Optional add-ons | ✔ | ✘ |
| Modify sum insured amount (Insured Declared Value) for the Renault car | ✔ | ✘ |
What’s Covered in Renault Insurance (Inclusions)?
The Comprehensive Car Insurance for your Renault comes bundled with Third-party Insurance and Own Damage cover. Here are the coverage details of the Renault car insurance:
Damage to the Renault due to accidents.
Losses due to third-party injuries or damages to third-party property.
Losses or damage due to natural calamities (flooding, storms, earthquake).
Losses or damage due to man-made calamities (vandalism, riots).
Loss due to theft of the car or in case the damage is beyond repair.
Losses or damage due to an explosion or fire.
Also, you have to purchase the mandatory Personal Accident (PA) cover along with the Third-Party or the Comprehensive Plan. You can purchase the PA cover while buying or renewing the policy.
What’s Not Covered in Renault insurance (Exclusions)?
Below are the circumstances when the Renault car insurance will not cover liabilities:
Losses or damages while driving the Renault car without a valid Driving License (DL).
Losses or damages due to regular wear and tear of the motor vehicle.
Losses or damages due to electrical/mechanical failure of the insured vehicle.
Losses or damages caused while driving the insured car in an inebriated state.
Losses or damages caused outside the specified geographical limits.
Losses or damages caused due to reckless driving.
Insurance Add-ons for Renault Insurance
Small insurance packages for specific coverage is known as car insurance add-on cover. Here are the add-ons that you can buy along with the Comprehensive Insurance Policy for wider coverage:
Consumables Cover
No Claim Bonus (NCB) Protection Cover
Roadside Assistance Cover
Invoice Protection Cover
Key Protect
Personal Belongings cover - Theft/Damage
Small Repair Claim
Loss of License or Registration Certificate (RC)
List of Add-ons for Renault Insurance
Here are the details of some of the important add-on covers that you may consider including it with the Comprehensive Plan for your Renault:
Zero Depreciation Cover
The depreciation of the motor parts being replaced is not considered while settling claims based on the terms and conditions of this add-on. With the depreciation not being considered, you get the maximum compensation during the claim settlement.
Consumables Cover
Consumables items such as bolts and nuts, engine and gearbox oil, screws and lubricants and among others are covered under this add-on. Consumables items are not covered under the basic plan.
No Claim Bonus (NCB) Protection Cover
Under this add-on even if you raise a claim during the policy period, the NCB is protected so that you can take advantage of the discount while renewing the policy.
Engine Protection Cover
The basic plan does not cover damages to the engine arising due to water ingression or oil leakage. This add-on will provide coverage in case of engine and gearbox damages.
Roadside Assistance Cover
In case of an emergency breakdown, you can avail of emergency towing service, fuel fill, minor repairs and other such roadside assistance.
Benefits of Buying ACKO Car Insurance Policy for Renault Cars:
Below are the benefits of ACKO Renault insurance for your vehicle:
1. Hassle-Free Digital Experience
Whether you want to buy/renew car insurance or raise a claim against the policy, visit our website www.acko.com or download the ACKO app to process your request instantly. Enter a few details of your Renault car and insure your vehicle within a few minutes.
2. Easy Claims
At ACKO, you can file a claim against your policy online and there is no need for any paperwork. Simply log into your account through our website or mobile app, upload the pictures of the damages to file a claim. In case of minor damages, ACKO will settle the claim through an instant on-account fund transfer so that you can repair the damages at any garage of your choice. For major damages, ACKO will pick up your vehicle, repair it at a garage of your choice and deliver it back to you in three days.
3. Low-Premium Car Insurance Plans
ACKO is a new-age digital insurance company; hence, all services are online. There are no agents or middlemen so that you can transact with ACKO directly. Since we operate in a 100% digital environment and there are no agents, we are able to reduce our operational costs. The savings are then passed on to you as low-cost car insurance plans.
4. Get Guidance from Our Insurance Experts
You can visit our website or smartphone app to learn about vehicle insurance and its benefits. For more help, you can speak to our insurance experts, who are happy to help you with any queries related to purchases, renewals or claims.
5. Take Advantage of Discounts and Offers
ACKO provides discounts and offers on special occasions and festivals. You can take advantage of the discount to avail low-cost car insurance for your Renault.
Claim Procedure
Filing a claim against your policy is not difficult and complicated. ACKO’s digital environment helps you raise claims within a few minutes without any paperwork. Here are the steps to raise a claim against your Renault car insurance from ACKO:
Step 1: Visit ACKO’s website or mobile app to log in to your account.
Step 2: Click on ‘Claim Now’.
Step 3: Answer a few questions about the damages and share photos of the damages.
Step 4: Get instant settlement through on-account payment for minor damages or in case of major damages, the claims team will guide you through the settlement process.
Frequently Asked Questions
Here are a few important questions about online car insurance:
FAQs
1. What is the Claim Settlement Ratio (CSR) of ACKO for claims related to Renault car insurance?
The CSR calculation is based on all claims settled by the insurance company. It is difficult to segregate the ratio for Renault car insurance. ACKO’s overall car CSR for the financial year 2019-20 was 98%. For more details, you can reach out to our customer care team.
2. How to buy ACKO car insurance for my Renault vehicle?
Visit ACKO car insurance or download the mobile app to buy Comprehensive Car Insurance for your Renault vehicle instantly.
3. What documents are required to insure my car from ACKO?
With ACKO, you do not have to submit any documents. The process is completely paperless. You can also renew the policy without any paperwork. You can buy or renew the plan or file a claim against your policy by visiting our website or downloading the smartphone app.
4. Which type of car insurance policy is suitable for Renault cars?
The Comprehensive Cover for your Renault cars is an excellent choice for complete coverage since it comes bundled with Third-Party Cover and Own Damage Cover. You can also buy the Zero Depreciation add-on cover to enhance your plan.
5. How to know the cost of car insurance for my Renault car online?
You can get free car insurance quotes by visiting ACKO’s car insurance premium calculator.
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