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Redi-GO Car Insurance

The redi-GO is manufactured by Datsun. It was specially produced keeping the Indian market in mind. This entry-level crossover was unveiled at the Auto Expo 2014. Its production model was later released on 14th April 2016. Since then, the 5-door hatchback has been assembled in Nissan India's plant in Chennai, India. Targeted at a younger market, the Redi-Go uses the same platform as that of Renault Kwid, which is known as the Nissan CMF platform. It competes against the likes of Renault kwid, Hyundai Eon, Hyundai Santro and Maruti Suzuki Alto 800. Post its discontinuation in 2019, the latest facelift is expected to be launched in the later part of 2020 and it will be compliant with the new Bharat Standard emission norms.

Key Features of redi-GO

Datsun redi-GO has only a petrol engine to offer. This petrol engine is further available in two different variants. The 0.8L i-SAT engine produces a maximum power of 53bhp and peak torque of 72Nm. It provides a displacement of 799cc. The 1.0L i-SAT engine, on the other hand, gives 67bhp of maximum power and 91Nm of peak torque. It comes with a cubic capacity of 999 cc. As a front-engine and front-wheel-drive, both the petrol engine variants come with 5-speed manual transmission. However, the 1.0L i-SAT petrol variant is also available with a semi-automatic transmission unit.

When taking its performance into consideration, Datsun redi-GO gives mileage that is 66% better than any other hatchback. Where the manual transmission variants provide 22.7 km/l of mileage, the automatic transmission variants produce 22.5 km/l of mileage. It comes with a fuel tank capacity of 28 litres. The hatchback takes about 15.9 seconds to sprint from 0-100kmph and can attain a top speed of 140kmph.

One of its key features that make it a must-buy is the three additional body kits including Easy Kit-Sporty, Easy Kit-Premium and Kool Kit. It also comes with an audio system with AUX-in, USB, radio, CD player and MP3 Player.

Some other salient features of this car are airbags, speed-sensitive electronic power steering, ABS, electronic brakeforce distribution, headlamp beam adjuster, high mounted stop lamp, small turning radius, modern dash layout, and several others.

Premium for redi-GO Car Insurance

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

redi-GO D (799 cc)

Rs. 2,68,000

Rs. 1,81,640

Rs. 568

Rs. 7,274

redi-GO S-1.0L AMT (999 cc)

Rs. 4,35,000

Rs. 2,63,264

Rs. 823

Rs. 8,167

redi-GO S-0.8L (799 cc)

Rs. 3,75,000

Rs. 2,03,072

Rs. 635

Rs. 7,509

*The values are calculated on the basis of the city (Bangalore) and year of registration (Till March 2019).

Inclusions

  • Loss or damage caused to the car insured due to an accident.
  • Death or injury of the life insured due to an accident
  • Damage caused to the third-party vehicle or property.
  • Bodily injuries and/or death to the third-party.
  • Cashless claims at network garages.
  • Loss or damage caused to the vehicle insured due to the Act of God.
  • Loss or damage caused to the vehicle insured due to man-made disasters.
  • Total loss due to theft of the vehicle insured.

Exclusions

  • Normal wear and tear of the vehicle insured.
  • Mechanical or electrical breakdown or any consequential loss to the vehicle insured.
  • Damage caused to the engine of the vehicle insured.
  • Damage caused to the tyres and/or tubes of the vehicle insured.
  • Damage to the insured vehicle when driving under the influence of drugs or alcohol.
  • Damage to the insured vehicle when driving outside the limitations of use.
  • Damage to the insured vehicle due to nuclear or civil war.
  • Damage or loss to the insured vehicle when breaking a traffic rule.
  • Damage or loss to the insured vehicle when driving without a license.
  • Damage or loss to the insured vehicle when driving outside geographical limits.

Add-ons: redi-GO Car Insurance

You can include some of the above exclusions as part of your redi-GO car insurance policy by opting for additional cover called an add-on. These can be included with additional charges.

  • Medical Allowance: will help you/paid driver/the passengers cover the cost of hospitalization and medical treatment in case of an accident.
  • Lifetime Road Tax Clause: will allow you to claim the unexpired road tax amount in case of a total loss of your car caused due to theft or an accident.
  • Return to Invoice cover: will allow you to claim for the total loss of your insured car. This includes the road tax that was paid.
  • Windshield Glass Cover: will help you protect your car's front and rear windshield in case of any damage caused to it. This will exclude any other glass part such as windows.

Renewal Process For redi-GO Car Insurance

You can easily renew your redi-GO car insurance policy online with the help of a simple process available on PolicyX.com. You can begin this quick process by scrolling up on this page and finding the option to Get Instant Quotes. The next few steps required you to do the following:

  1. Enter your car's registration number and click on "Get Quotes" or directly click on "Proceed without car number", enter Datsun redi-GO as your car's make, its RTO code, the variant, and the year of registration in the form. Select the "Renewal" radio button and then click "Continue".
  2. You can either choose to go ahead with your current car insurance plan or opt for another suitable option from the provided list of quotes.
  3. Once you have selected your plan, you can make an online payment on the selected insurance provider's portal.
  4. Once the payment is made, you will have the car insurance policy document reach your inbox.

FAQs

1. Since I can make a few claims under NCB Protection cover add-on, will my claim for a partial theft of accessories get counted?

No, your claim for partial theft of accessories or parts of the insured car will not be considered under NCB Protection cover.

2. Do I have to bear any amount in case of any claim under Loss of Personal Belongings cover?

You may have to bear some amount for each and every claim that is made under the loss of personal belongings. This may not be true in case of some other insurance providers. However, if it is applicable, the amount that is to be borne by the policyholder may vary from company to company.

3. Is there any deductible in case of repair or replacement of engine under Engine Protection add-on?

A percentage of the claim amount may be deducted for each and every claim made for repair. The percentage of the deduction is higher in case of the claim amount for each and every claim made for replacement of the engine.

4. My car's unused tread depth was determined as <3mm. Can I make a claim for its repair under Tyre Protection add-on?

For tyres having unused tread depth of <3mm, the damage will be considered as normal wear and tear. Hence, your claim will not be accepted even under Tyre Protection add-on.

5. My car's tyres were damaged after 10 days of the inception of the policy. Can I claim for its damage under Tyre Protection add-on?

No, any loss or damage caused within the first 15 days of the inception of policy may not be accepted for a claim. The number of days in this period may vary amongst different insurance providers.

Last updated on 16-11-2020