Nissan Car Insurance

Name: Nissan Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Synonymous with Japanese engineering excellence, Nissan cars offer a blend of reliability, futuristic design and fuel efficiency. From the rugged Nissan Magnite that dominates urban landscapes to the high-performance X-Trail, the brand caters to a diverse demographic, ensuring that whether you are a first-time car buyer or a luxury seeker, there is a Nissan built for you. However, even the most well-engineered cars face risks on the roads

For instance, your Nissan may handle city traffic with ease, but congestion or inattentive drivers can lead to dents or scratches. Similarly, long drives expose it to accidents, potholes and weather-related damage. These incidents can be costly to repair, turning a small mishap into a financial burden. This is where IndusInd Nissan car insurance comes in, providing robust protection against such damage and helping you avoid unexpected out-of-pocket expenses.

Our wide network of 11,000+ cashless garages ensures fast repairs, and 24/7 assistance is available whenever you need it. Additionally, with the IndusInd Insurance App, you can file claims instantly and get a quick claim survey within 24 hours of claim intimation. With this protection, your Nissan stays safe, and you can drive with confidence, knowing any mishap will not disrupt your finances.

Why Us

Why 8 Crore+ Policyholders Trust Us?

At IndusInd General Insurance (formerly Reliance General Insurance), we offer car insurance that delivers dependable protection at every stage of your journey, whether you are on daily city drives or long highway trips. By combining a dedicated customer-first approach with seamless digital services, we simplify every touchpoint, helping you insure your Nissan with the utmost ease.

Brand - Car

15+ Add-On Covers Available

Extra covers for enhanced protection

Up to 3 Years Coverage*

Get long and short-term coverage with us

Video Claims Feature on Our App

File quick cashless claims via mobile

24/7 Customer Assistance*

Get support from anywhere in India

Why do you need Nissan insurance?

Legal Requirement

Driving your Nissan without valid insurance can lead to a ₹2,000 fine for the first offence and ₹4,000 for the subsequent one. In some cases, you can even face imprisonment for up to 3 months. Nissan insurance protects you from these penalties, ensuring you stay compliant with the law while keeping your Nissan protected against accidental damage at all times.

Financial Protection Against Damage

Nissan cars are celebrated for their cutting-edge design and innovative technology. However, hitting a pothole at high speed, getting sideswiped in traffic, or a collision can damage these systems, leading to expensive repairs. With Nissan car insurance, you are covered for all such repair costs, ensuring your Nissan stays in top condition without depleting your personal savings.

Covers Theft

Car theft is on the rise in India, and with Nissan models priced up to ₹48.20 lakh*, the financial risk is high. Car insurance serves as your ultimate safety net against such unpredictable losses. If your Nissan is stolen, IndusInd General Insurance pays you the IDV (Insured Declared Value), effectively bridging the gap between a total loss and a new beginning.

Covers Natural Disasters

Natural disasters can strike without warning, putting your Nissan at risk. For instance, floods can damage your Nissan's electrical systems or a severe storm or cyclone can crush the roof or shatter the windows of your car. In such cases, Nissan insurance helps cover repair costs that can otherwise devastate your finances, keeping your vehicle protected and your expenses under control.

Covers Fire and Fire-Related Damage

Suppose you park your Nissan in a multi-level garage when a nearby vehicle catches fire or a short circuit causes self-ignition. The intense heat and flames severely damage your car. Repairs in such cases can be extensive and costly, often requiring replacement of major components. With Nissan car insurance, these costs are covered, ensuring your vehicle is restored without significant out-of-pocket expenses.

Network Garages and Genuine Parts

Local garages often rely on local or duplicate parts, which can compromise your Nissan’s performance, safety and overall driving experience. That is where we step in. We provide access to a trusted network of 11,000+ garages* that only use genuine Nissan parts. This way, we ensure long-lasting durability and high-quality repairs that keep your Nissan running smoothly and performing at its best, mile after mile.

Types of Nissan Car Insurance Plans

Comprehensive Car Insurance

A comprehensive policy offers the highest level of protection. It covers damage to your Nissan and third-party liability, giving you end-to-end coverage. For instance, if your car skids and hits another vehicle, causing damage to both, your Nissan car insurance will take care of your repair costs and also compensate the other driver for their losses, protecting you from an unexpected financial burden.

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Pay As You Drive Car Insurance

Perfect for low-mileage drivers, this type of car insurance lets you pay based on how much you drive. You can purchase tailored coverage ranging from 2,500 to 10,500 km*, ensuring you only pay for what you use. Additionally, it comes with a 125 km* grace buffer, ensuring you stay covered even if you slightly exceed your chosen limit, offering flexible and convenient Nissan insurance coverage.

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Third Party Car Insurance

Third-party car insurance is a mandatory requirement that covers damages or injuries you cause to another person or their property in an accident. For example, if you bump into a cyclist on the road, damage someone's fence or accidentally scratch another car while parking, this insurance will pay for the repair costs of the other vehicle and compensate for any injuries, protecting you from financial liability.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) car insurance protects your vehicle against accidental damage, theft, fire incidents, and natural calamities such as floods and storms. The policy helps reduce unexpected repair and replacement expenses during unforeseen situations. It can be purchased only if you already have a valid third-party insurance policy.

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Key Features of Nissan Car Insurance

Key Features	Descriptions
Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Quick survey within 24 hours of claim intimation*
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance app
Network Garages	11,000+ authorised garages throughout India*
Instant Buying/Renewal	Available
Add-Ons	15+ Add-ons
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs*
24/7 Support	Available through WhatsApp and Calls

Disclaimer: Please refer toa your policy documents for more information.

Inclusions and Exclusion

Nissan: Inclusions and Exclusion

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What is Covered?

Accidents and Collisions: Our plan covers the repair costs for damage to your Nissan insurance caused by a road accident.

Third-party Damages: Our Nissan insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Nissan insurance for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

Brand - Car

What is Not Covered?

Depreciation: Depreciation of Nissan insurance parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations & Outside Zone Coverage: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Buy your Nissan car insurance from IndusInd today!

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Nissan Insurance Add-On Covers

Nil Depreciation

Ensures you get full claim payout with no depreciation deductions on plastic, rubber and fibre parts. A must-have for Nissan owners as it protects the value of advanced components while reducing out-of-pocket expenses.

Pay-As-You-Drive

Allows you to pay only for the kilometres you drive, helping you save on premiums without losing protection. Ideal for occasional drivers, this add-on lets you choose between 2,500 and 10,500 km* and even top up if needed.

Return-to-Invoice

n the event of a total loss or theft, this cover pays the original invoice amount (including taxes and registration fees) for your Nissan, rather than just its market value, ensuring you recover your full investment.

Engine & Gearbox Protection

Covers engine and gearbox repairs due to water ingression, oil leaks or a mechanical breakdown. A smart choice for Nissan owners who live in flood-prone cities, drive frequently during monsoons or own a premium model.

Car Tyre Protection Cover

Reimburses repair or replacement costs if your Nissan’s tyres are damaged by cuts, bursts or road hazards, making it ideal for Nissan owners who use their car daily or drive on highways or rough roads.

Key & Lock Replacement

Covers the cost of replacing lost, stolen or damaged car keys and locks, helping you avoid high replacement costs and regain access to your Nissan without any hassle or unexpected expenses.

Consumable Expenses

Provides coverage for consumables replaced during repairs, such as engine oil, nuts, bolts and brake fluid, ensuring that these small but essential items do not lead to high out-of-pocket costs.

RIM Protection

Shields your Nissan’s stylish wheels against damage from potholes, curbs and rough roads. Covering repair or replacement of up to 4 rims, it ensures your car maintains its premium look without burdening you with extra costs.

Roadside Assistance

This cover comes to your aid if your Nissan breaks down, offering towing services, fuel delivery and even on-site repairs. For instant support, reach out to us via our helpline or the IndusInd Insurance app.

Personal Belongings

If your Nissan is broken into or your belongings worth over ₹5,000* are damaged in an accident, this cover reimburses you. Perfect for Nissan owners who often carry valuable items like laptops and gadgets in their car.

Daily Allowance Benefit

Provides a daily cash allowance for travel if your car is under repair for over 3 days* due to an accident. A must-have if you rely on your Nissan daily and do not have a backup vehicle at home.

EMI Protection Cover

Helps pay your car loan EMIs if your Nissan is under repair for 21, 42 or 63 days*. Ideal for those who wish to protect their credit score and wallet during major accidental fixes.

No Claim Bonus (NCB) Retention Cover

This cover keeps your No Claim Bonus discount intact even if you make a claim, ensuring your renewal premium stays low.

Electrical Accessories Cover

Protects your car's non-factory electrical fittings like audio systems and rear-view cameras, ensuring you are reimbursed for these costly upgrades if they are damaged or stolen.

Non-Electrical Accessories Cover

Covers non-powered upgrades like designer seat covers on your Nissan, ensuring that any stylish or functional customisations you have added are financially protected against theft or accidental damage.

How to Buy and Renew

How to Buy/Renew Nissan?

Brand - Car

Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

Brand - Car

How to Renew

Go to the top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Nissan Car Insurance Premium

Your Nissan Car’s IDV

IDV (Insured Declared Value) represents your Nissan’s current market value and is the maximum amount you will receive if your car is stolen or totalled. A higher IDV ensures better compensation during claims but increases your premium. Conversely, a lower IDV reduces the premium but may leave you underinsured. To balance adequate protection with affordable premiums, choose an IDV that accurately reflects your Nissan’s value.

Car’s Make and Model

The specific make and model of your Nissan significantly influences your premium. High-end models with larger engines or advanced technology, like the Nissan X-Trail, attract higher premiums due to expensive spare parts and repair complexity. In contrast, budget-friendly models like the Nissan Magnite often have lower premiums as their local parts are more affordable and easier to replace.

Insurance Type

A third-party policy is a budget-friendly option, but it only covers damages caused to others. In contrast, a comprehensive policy serves as the ultimate bodyguard for your Nissan, protecting it against theft, accidents, natural disasters and more. While the premium is higher, it offers complete financial security, saving you from massive repair bills when life gets unpredictable.

Add-On Covers

Add-ons are like power-ups for your Nissan insurance, letting you extend your coverage beyond standard protection. While they increase your insurance cost slightly, they provide significant savings during repairs by covering what basic plans miss, like engine damage or key replacement. Choosing the right add-ons ensures you pay only for the protection you need and avoid spending on coverage you will not use.

Claim History

Your claim history plays an important role in deciding your Nissan car insurance premium. If you make frequent claims, insurers may see you as a higher risk and charge a higher premium. On the other hand, if you have not made any claims in previous years, you earn a No Claim Bonus (NCB), which can lower your premium by up to 50%*, helping you save on your policy.

Adding Anti-Theft Protection to Your Nissan

Installing ARAI-approved anti-theft devices in your Nissan can enhance security and help reduce your insurance premiums. Insurers consider cars with approved security systems to be at a lower risk of theft, which may qualify you for discounts. It is a win-win as your Nissan stays secure with advanced locks while you enjoy lower premiums each year and fewer claim hassles.

How to File

How to File a Nissan Claims?

How to File a Mahindra Car Insurance Claim?

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Insurance app.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app's live video survey feature or by submitting photos.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).

Step 1: Initiate the Claim

initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Nissan - Models and Prices

Nissan is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. the Nissan continues to be a favourite among car buyers.

Nissan Models	Price (as of August 2026)#
Nissan New Magnite (Manual/Automatic \| Petrol/CNG)	₹5.62 - ₹10.76 Lakh
Nissan Magnite Kuro Special Edition (Manual/Automatic \| Petrol)	₹7.60 - ₹9.94 Lakh
Nissan X-Trail (Automatic \| Petrol)	₹48.20 Lakh

Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The Nissan Magnite price was taken from this source and the Nissan X-Trail price was taken from this source.

Key Takeaways

On Indian roads, where driving conditions can change in an instant, having a car that blends strength, safety, and smart technology makes all the difference. Nissan stands out with its bold design, solid build quality and reliable performance, earning the trust of drivers who value comfort, control and confidence. Equipped with advanced features, efficient engines and a reputation for durability, Nissan cars are built to handle both city traffic and long highway drives with equal ease.

While a Nissan is engineered to protect you on the road, it also needs protection from the uncertainties that come with everyday driving. Whether it is a minor fender-bender or a major environmental hazard, your Nissan deserves a shield as reliable as its engine

IndusInd Nissan Car Insurance offers this essential protection at an affordable starting price of just ₹308 per month*. Our comprehensive plans are designed to cover a wide range of risks, keeping your Nissan secure in every situation. To match your individual needs, we also provide 15+ add-ons*, allowing you to customise your policy for enhanced protection.

For added convenience, we offer breakdown assistance*, which ensures quick support whenever your car needs help on the road. With reliable, flexible coverage, instant claim filing via the IndusInd Insurance app and a wide network of 11,000+ garages, IndusInd General Insurance keeps you and your Nissan protected, always.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Get Smart Protection for Your Nissan

Insure your Nissan with IndusInd General Insurance and enjoy comprehensive coverage along with round-the-clock expert assistance that ensures you are never alone on the road.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

Is Nissan Magnite expensive to maintain?

The Nissan Magnite is relatively affordable to maintain. While routine upkeep is budget-friendly, IndusInd Nissan car insurance provides an essential safety net against expensive accidental repairs and theft.

How much is insurance for a Nissan Magnite?

The insurance premium for a Nissan Magnite can vary based on factors like your location, car variant, age of the vehicle, and chosen coverage. To know the exact Nissan insurance cost, use our car insurance premium calculator or contact our team.

Is Nissan a luxury car brand?

No, Nissan is not traditionally classified as a luxury car brand. It is a mainstream automaker known for reliable, feature-packed vehicles, though models like the Nissan X‑Trail are positioned as premium options.

Which Nissan is the cheapest to insure?

The cost of insuring a Nissan depends on several factors, including the model, variant, age of the car, engine size and your location. Generally, smaller, entry-level models like the Nissan Magnite tend to have lower insurance premiums compared to larger SUVs or premium models, but the exact cost will vary based on your driving history and coverage options.

Is OD insurance compulsory?

No, Own Damage (OD) insurance is not legally compulsory in India. However, having it is highly beneficial as it covers repair or replacement costs for your car in case of accidents, theft, fire or natural disasters, saving you from significant out-of-pocket expenses.