Micra Car Insurance Renewal Online
Micra Car Insurance
PX step

Compare Car Insurance Quotes Online


Micra Car Insurance

The Micra is a supermini hatchback car manufactured by Nissan Motors and was initially launched in 1982. The fourth-generation Micra was launched in India in 2010. It was the first car made in India by Nissan. The car was re-launched in 2017 with new features. Nissan has discontinued the Micra after the BS6 norms came into effect.

Key Features of Nissan Micra

The Micra is available in both petrol and diesel variants. There are four petrol and two diesel variants of the car. The petrol variant has a 1.2-litre engine of capacity 1198 cc with 5-speed manual transmission. The diesel car has a 1.5-litre engine with 1461 cc capacity with a 5-speed transmission.

The 5-seater car has a fuel tank capacity of 41 litres. The fuel efficiency is 19.4 km/l for petrol and 23.19 km/l for diesel. The car has a boot space of 251 litres. Its ground clearance is 154mm. It has five doors and is available in six colours.

The top features of the Micra include:

  • Power steering
  • Anti-lock Braking System with EBD
  • Keyless entry
  • Drive computer
  • LED headlights
  • 14” tubeless radial tyres
  • Central locking
  • Driver airbag
  • Front and side-impact beams
  • Crash sensor

Premium for Micra Car Insurance

The Nissan Micra car insurance premium depends on the variant of the car, place of registration, the year of registration, among others. Indicative premium rates for some of the variants are presented in the table below:

Car Variant

Price of the Car*


Zero Depreciation

(Add On)*


Nissan Micra XL Petrol 1198 cc





Nissan Micra XV Diesel 1461 cc





Nissan Micra XV Petrol 1198 cc





*The prices are calculated for a 2018 Micra car registered in Kolkata.


  • All damages caused to the car due to an accident are included, allowing you to claim for damages.
  • In case a third-party's property is damaged due to the accident, it will be covered by the policy.
  • Injuries caused to a third-party in an accident are covered.
  • Any damages caused to the car by fire, explosions, or man-made hazards like riots, terror attacks, vandalism, arson, etc. are included in the policy.
  • In case of damages due to natural calamities like floods, landslides, cyclones, or earthquakes, damages can be claimed under the policy.
  • Damages caused during transit are included.
  • Theft of the car is included and losses can be claimed.


  • General wear and tear are excluded.
  • Breakdown due to electrical failure, mechanical reasons, rusting, etc. are not included.
  • An accident caused when the driver was underage, not having a valid driving license, or was using the car for an illegal purpose would invalidate an insurance claim.
  • Damages caused by a driver who was under the influence of drugs or alcohol are excluded.
  • Damages sustained by the car as a result of the action of the driver (consequential damage) are excluded.
  • Any damages to a car due to nuclear attack, war, or civil disturbances are excluded.
  • Damages caused intentionally or deliberately or by a riot where the policyholder was involved are excluded.
  • Damages to tyres, tubes, and accessories are not included in the policy.


If you want to enhance the scope of your car insurance policy and bring in additional inclusions, you can choose an add-on cover. The following are some of the add-ons you can consider:

  • Zero depreciation cover helps you get a higher claim amount since depreciation will not be calculated and deducted from the value of car parts, as is normally done.
  • Invoice price is another add-on to consider if you want a higher claim amount. Claim amount is decided based on IDV (insured declared value). This add-on considers the invoice price.
  • Key and lock replacement is an add-on that covers the costs of replacing a car key in case it is lost. Replacement of key/lock that is damaged is also possible through this add-on
  • Consumables cover will include the cost of consumable items like nuts, engine oil, gear oil, etc. This will allow you to claim for the cost of consumables.
  • Personal belongings cover is useful in case of theft. If any of your belongings like a laptop, mobile, baggage is stolen or lost from the car, then you can make an insurance claim if you have this add-on.

Renewal Process

Renewing your Micra car insurance on time is important. It is easy and convenient if you choose to get it done through PolicyX.com. Here's how a renewal of car insurance on PolicyX.com works:

  1. The first thing to do is to scroll up and find the 'Get Instant Quotes' on this page.
  2. Now provide your car registration number and then choose 'Get Quotes'. In case you want to skip this process, choose the option 'Proceed without car number'. Fill in details like your car model, variant, RTO code, and year of registration. Choose the option Renewal' and then 'Continue'.
  3. You will now be shown quotes for the premium based on the data you provided. Compare quotes from different insurers, choose one, and then select the 'Buy' option.
  4. For the next step, you will be redirected to the website of the insurer, where you can make payment and complete the renewal.
  5. Once the transaction is completed, you will get a confirmation mail, followed by a copy of your car insurance policy.

Frequently Asked Questions (FAQs)

1. Is it really important to renew my Micra car insurance on time? What if I delay by a few days?

Please note that it is a legal requirement to have car insurance. Driving without insurance is an offence and you are liable to be fined. In case of an accident, theft, or any such problem you will find yourself in big trouble if your insurance is not renewed. So be safe, avoid risks, and renew your policy well within time.

2. My car was stolen when I had parked it outside my office. Can I claim insurance? What should I do?

Don't worry! Theft is covered by your car insurance. The first thing to do is to visit the nearest police station (jurisdictional station). Lodge a complaint and follow-up until you get the FIR registered. Submit your insurance claim with a copy of the FIR. That's all you need to do. Once the claim is processed, you will be reimbursed for the losses you suffered.

3. I was teaching my son how to drive a car in an area where there is not much traffic. Unfortunately, there was an accident and he drove the car into a ditch. My insurance claim was rejected, why?

If your son was underage or did not have a valid license (like learners license) at the time of the accident, then the insurance claim will be denied.

4. Children were playing cricket and the ball hit my car and damaged my windshield. Can I get the damages reimbursed through insurance?

Yes, you definitely can. This is included under your car insurance policy coverage. You can file an insurance claim and damages will be reimbursed. You may please note that your claim will be accepted only if you have comprehensive car insurance. If you have third party insurance, you cannot make a claim.

Last updated on 18-11-2020