Renault Duster Insurance

When looking to purchase car insurance all of us are looking for a policy that fits our needs but is also reasonably priced. With insurance now available for purchase online you can now compare the different car insurance companies, the quotes they offer and their network of cashless garages with just a few clicks. Also, make sure to read some customer service reviews to decide on the reputation of the insurance provider and their customer service.

With own-damage car insurance, your insurance provider will compensate for the cost of a shattered windshield. However, keep in mind, if there was any form of illegal driving involved in the mishap your claim will be rejected. Own-damage covers provide compensation for a variety of situations including the theft, vandalism, road accidents, natural and manmade calamities.

Yes, your second-hand duster and every other driving on Indian roads are required to have third party insurance. The Motor vehicles ACt of 1988 made it obligatory. Hence, if caught without it you can be punished with a fine of Rs. 2,000 and/or be imprisoned for up to 3 months. In case of a mishap, the insurance provider covers the cost of third party liabilities including bodily injuries, death and property damage.

The main factor that determines the insurance premium amount of your Duster is the Insured Declared Value of the car. The IDV is the maximum compensation the insurance provider will give the policyholder in case of a mishap. It takes into consideration the depreciation of the car. Hence, the older the car the lower the IDV, the insurance claim amount and the premium.

Follow the below-mentioned steps to file a car insurance claim:

• Step 1: File an FIR at the nearest police station if there was theft, a road accident or a case of vandalism.
• Step 2: Inform the insurance provider about the situation as soon as possible. Remember to confirm the list of documents required by the insurance provider.
• Step 3: Submit the necessary documents along with the claim form duly filled to the insurance provider.
• Step 4: If the car needs to be repaired the insurance provider will first send a surveyor. They will assess the damage to the car and draw up a report. After this, your claim will go through a verification process.
• Step 5: Once approved you can take your car to a network garage and get it repaired and the bill be settled in a cashless manner.

The No Claim Bonus is a reward given by the insurance company to the policyholder for a claim-free. Year. The reward is available with own-damage covers and is cumulative in nature, going up to 50% in the fifth year.

Zero Depreciation is an add-on cover that can be purchased along with own-damage covers. It negates the depreciation rate of the car at the time of claim settlement. The add-on is available for cars that are less than five years old and can be used a limited number of times within a year.

The Insured declared Value of a car is calculated by deducting the depreciation rate of the car from the manufacturer’s selling price.

To renew your car insurance follow the below-mentioned steps:

• Step 1: Visit our website InsuranceDekho. Click on the car insurance tab and renewal from the drop-down menu.
• Step 2: Enter your car’s registration number, fuel type and variant. Next enter the expiry date of the previous insurance policy, name of the insurance provider and details of claims if any.
• Step 3: Fill in your personal details and click on ‘Submit and get Quotes’. All the quotes available in your category will be visible on the screen. Select the policy and add-ons that best suit your needs.
• Step 4: Make the payment for your selected policy and the insurance policy document will be sent to your registered email ID.