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Rapide Car Insurance

The Rapide is a luxury sports saloon from British luxury carmaker Aston Martin. The name Rapide is borrowed from the Lagonda Rapide car of the 1960s. The car production commenced in 2010. The Rapide has undergone many enhancements and is presently available as the Rapide AMR.

Key Features of Rapide

The Rapide is being offered in a petrol variant. It is a 4-door luxury car available with a 6.0-litre V12 engine that has 8-speed automatic transmission. The engine has a capacity of 5935 cc and can deliver a maximum power of 470 bhp.

The Rapide is a 4-seater luxury sedan car with a fuel tank capacity of 90 litres. It offers fuel efficiency of 10.9 km/l. It can reach a top speed of 296 km/h and can accelerate from 0 to 100 km/h in 5.2 seconds.

Some of the top features of the Aston Martin Rapide include:

  • Infotainment system with 13 speakers
  • Remote keyless entry with an integrated key transmitter
  • Cruise control with steering wheel controls
  • Automatic air conditioning
  • Leather steering wheel with power steering
  • Heated sport bucket seats
  • 6 airbags for driver and passengers

Premium for Rapide Car Insurance

When you buy car insurance for your Rapide, the premium that you pay would depend on the place where the car was registered, the year of registration, among several other factors. The premium for the Rapide variant available in the market is given below:

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

Aston Martin Rapide 6.0 RHD Petrol 5935 cc

Rs.3,29,00,000

Rs.2,80,08,265

Rs.1,34,440

Rs.3,61,525

*The price is calculated for a 2020 Rapide car registered in Bangalore.

Inclusions & Exclusions of Rapide Car Insurance

Inclusions

  • Any damages caused in an accident to your car can be claimed under the policy.
  • Damages caused to property belonging to a third-party is included.
  • The insurer would indemnify you against injuries caused to a third-party.
  • Theft of the car is covered under the policy. You can claim for losses suffered due to the theft.
  • Fire, explosions, as well as man-made hazards like vandalism, arson and riots are included in the policy.
  • Any damages caused due to natural calamities like floods, earthquakes, cyclones and landslides are included.
  • Damages caused to the vehicle during transit are included.
  • Injuries you suffer can be compensated through mandatory personal accident insurance.

Exclusions

  • The policy excludes any damages that are caused intentionally or deliberately.
  • In case you were a part of the riot that led to the car damage, the claim will be denied.
  • Your insurance claim will be denied, if at the time of the accident someone without a valid driving license drove your car or if the car was being driven for any illegal purpose.
  • Driving for commercial purposes is excluded.
  • Accidents caused when the driver was under the influence of drugs or alcohol will lead to a denial of the claim.
  • War, enemy hostilities, nuclear incidents, civil disturbances and mutinies are excluded from the scope of the policy.
  • Consequential damages are not included.
  • Any damages caused to the engine or engine parts or to the tyres and tubes are excluded.
  • Cost of consumables and damages due to general wear and tear are excluded.
  • Electrical failure and mechanical breakdown are excluded.

Add-ons Benefits

There are many add-ons that you can consider buying to enhance the scope of your Rapide car insurance policy. The add-ons would ensure certain exclusions are included in the policy.

  • Zero depreciation will ensure that the cost of depreciation is considered as zero. This allows you to get bumper-to-bumper coverage so that you can get a higher claim amount.
  • Invoice price is an add-on cover that would ensure the invoice price of the car is considered for the purpose of calculating claims, instead of the IDV. This will ensure you can get a higher claim.
  • Paid driver cover is useful if you have a paid driver driving your car. In case of an accident, the driver can get disablement benefits or his family can get death benefits in case of death.
  • Unnamed passengers cover is an add-on that includes any passenger in your car under the policy scope. They will be entitled to disablement/death benefits in case of an accident.
  • Consumables cover ensures that the costs of consumables used during repair would be included, allowing you to claim for it.

Rapide Car Insurance Renewal Process

You need to renew your Rapide car insurance on time. Doing it is very easy when you do it through PolicyX.com. The procedure for the same is given below:

  1. Scroll to the top of this page and find 'Get Instant Quotes'.
  2. You can directly see quotes from insurers by providing your car registration number and choosing the 'Get Quotes' option. You can skip this step by choosing 'Proceed without car number' and providing details of the car model, variant, city of registration (RTO code) and year of registration. Select 'Renewal' and 'Continue' to view the quotes.
  3. Go through the quotes of all the insurers, compare them, and then select one among them.
  4. You will be redirected to the website of the insurer. You can complete the transaction by making payment directly to the insurer.
  5. Once you complete the payment you will get a confirmation via email. A soft copy of the insurance policy will also be sent.

Frequently Asked Questions (FAQs)

1. If I reduce the IDV for my Rapide, the premium rate will come down. Isn't this beneficial for me?

You can benefit by paying a lesser premium by reducing the Insured Declared Value (IDV) of the car. However, you must note that if the car is completely damaged in an accident or stolen, the amount you get as compensation is calculated based on the IDV. A lower IDV means you will get a lower payout, which won't be sufficient.

2. I could not start my Rapide for a long time and the battery is dead. Can I get a battery jump-start done by availing of 24 x7 assistance under insurance?

On-road assistance is not available under the basic insurance policy. If you have purchased the 24 x7 road assistance add-on cover, then you can avail of assistance on the road for jump-starting the battery. It would be covered under the insurance policy.

3. I was driving my car under a bridge and it was stuck in a flooded road. I started the car and the engine stalled. When I claimed insurance, it was rejected! Why did that happen?

When you started the car (when it was in the water), the engine was flooded. This is an example of consequential damage, where the damage occurred due to the action of the driver. This is specifically excluded from the scope of your car insurance. Hence, your claim was rejected.

4. I had kept my mobile phone in the car when it was stolen. Can I claim for the losses suffered under the insurance policy?

Such a claim is not allowed under the basic insurance policy. In case you had purchased the personal belongings add-on cover, then it would have been included. Loss of mobile phone, laptop, and baggage can be claimed with this cover, and you will be compensated for your loss.

Last updated on 09-07-2020