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Datsun Go Car Insurance

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Home / Car Insurance / Datsun Car Insurance / Datsun Go Car Insurance

Buying a car is an exciting experience. However, the responsibilities of car ownership extend beyond just purchasing the vehicle. Ensuring it is properly insured is crucial for protecting yourself financially and staying compliant with the law. In this article, we will explore key considerations for buying car insurance for the Datsun Go.

Why should you buy car insurance for Datsun Go?
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There are several important reasons to buy car insurance for your Datsun Go:

It's legally required
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Car insurance is mandatory by law in India because it protects innocent third parties in case of accidents. Without insurance, injured parties may not receive compensation for medical expenses or loss of income. Mandatory third-party liability coverage ensures financial support is available.

Protects from financial loss
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Comprehensive coverage protects your investment in your car. Vehicles like the Datsun Go represent a significant financial asset for most families. Repairing or replacing your car after an accident or theft can be very expensive if you do not have insurance. Comprehensive car insurance ensures you do not end up suffering a major financial loss.

Covers theft
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Vehicle theft is a real risk and can lead to major financial loss if your uninsured car is stolen. Comprehensive policies cover the Insured Declared Value of your Datsun Go in case it is stolen. It ensures you recover the depreciated value of your asset and prevents having to bear the full loss out-of-pocket. 

Peace of mind
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Car insurance also provides additional benefits like roadside assistance, no claim bonuses and protection of NCB at the time of renewal. This gives you complete peace of mind while driving your Datsun Go.

The most common types of car insurance for Datsun Go
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There are two primary types of car insurance policies for the Datsun Go:


Third-party liability
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This is the basic mandatory insurance required by law in India. It covers bodily injury and property damage liability to third parties arising out of the use of your Datsun Go. If an accident occurs and causes injury to someone or damage to their property, this policy covers the costs of their medical bills and property repair/replacement. It does NOT cover any damage to your own vehicle.


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This is an optional add-on policy that provides wider coverage. It includes the third-party liability cover of the above policy. Plus, it covers damage to your own Datsun Go due to accidents, theft, vandalism, natural disasters like floods, earthquakes, fires, explosions, transit (damage during transport), etc. 

What is Covered

What is not covered

What is covered in Datsun Go car insurance? (Inclusions)
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A comprehensive policy covers:

  • Third-party bodily injury and property damage liability.

  • Damage to the insured Datsun Go from accidents.

  • Theft of the Datsun Go.

  • Natural disasters like floods and earthquakes.

  • Man-made disasters like riots, strikes, etc.

  • Damage from fire, explosion, or lightning.

What is not covered by Datsun Go car insurance? (Exclusions)
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Some exclusions are:

  • Damage from driving uninsured or unlicensed.

  • Wear and tear from normal use.

  • Mechanical or electrical breakdowns.

  • Damage outside the geographical limits of the policy.

  • Damage caused while driving under the influence of drugs or alcohol.

Add-ons for Datsun Go car insurance
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Some popular add-ons to enhance coverage are:

Benefits of buying ACKO car insurance for your Datsun Go
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ACKO insurance offers advantages like:

How to Buy/Renew Datsun Go Insurance from ACKO
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Follow these steps:

  1. Visit the ACKO website or download the app

  2. Enter your Datsun Go registration number

  3. Choose a plan, add-ons and make payment

  4. The insurance certificate is emailed instantly

4 easy steps to raise a claim
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ACKO's seamless claim process:

  1. Login to the ACKO app/website and tap 'Claim Now'

  2. Answer questions about the accident/damage

  3. Upload pictures and required documents

  4. For minor damage, get an instant settlement. For major damage, ACKO representatives will contact you.

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Buying adequate car insurance is key for protecting your assets and finances. Follow the guidance in this article to select the right coverage options for your Datsun Go from a provider like ACKO that offers a fast, digital experience. This ensures you can drive your car stress-free.

Frequently Asked Questions on Datsun Go Car Insurance
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What documents do I need when buying Datsun Go insurance?

You'll need your Datsun Go's registration certificate, your driver's license, previous policy proof if renewing, and KYC documents like Aadhaar. However, at ACKO, you can buy car insurance without any documentation.

How do I get the insurance certificate after purchasing the policy?

The digital insurance certificate is emailed instantly when you complete the payment process on ACKO's website/app. You can also download it from your ACKO account.

What is the Insured Declared Value (IDV) of the Datsun Go, and how does it impact the premium?

The IDV is the insurer's maximum liability for own damage claims. It is typically the depreciated market value of the car at the time of policy purchase. A higher IDV will result in a higher premium. But it also means you can get a higher claim settlement if the car is damaged or stolen.

Does Datsun Go insurance cover punctures or tyre damage?

Tyre damage is expressly excluded unless due to an admissible claim like an accident. You must pay for puncture repairs.

Can I cancel my Datsun Go policy anytime?

You can cancel the policy anytime and get a refund on a pro-rata basis, minus a small cancellation fee.

How is the claim settlement amount calculated?

The settlement is based on IDV, depreciation, policy terms, any voluntary excess and salvage value. Deductibles also apply.