Nissan Micra Car Insurance in India

A Nissan Micra is smooth sailing for all drives, road trips and commute, but an unforeseen mishap can cause a few bumps down the road. Hence, the Nissan Micra car insurance in India protects your car from unforeseen events and damages. It covers accidents, natural calamities, vandalism and other such catastrophes. The car insurance for Nissan Micra provides coverage for injuries or untimely demise caused due to the aforementioned events as well. 


Since the Nissan Micra car insurance not only protects your car but also protects you, it helps you fulfil the Motor Vehicles Act of 1988 which requires every vehicle in India to be insured with a third-party insurance. It’s a win-win!

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Nissan Micra Variants and Insurance Cost

Nissan Micra Variants

Ex-showroom price*

Fuel Type

Estimated Third-party Premium~

Car Insurance Premium

Nissan Micra XL CVT

₹5.99 lakh



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Nissan Micra Fashion Edition XL CVT

₹6.19 lakh



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Nissan Micra dCi XL

₹6.62 lakh



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Nissan Micra XL Option CVT

₹6.62 lakh


₹ 3,383

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Nissan Micra CVT XV

₹6.95 lakh



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Nissan Micra dCi XL Comfort

₹7.23 lakh




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XL Option D

₹7.43 lakh



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Nissan Micra XV CVT

₹7.81 lakh



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Nissan Micra XV D

₹8.12 lakh



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*The ex-showroom prices are for Pune and are subject to change on the basis of the city.


~Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

How to Get Nissan Micra Car Insurance Online in Easy Steps?

Applying for a car insurance policy is a simple and straightforward process with Finserv MARKETS. Here’s how to do it:


  1. Visit the Finserv MARKETS Car Insurance Page

  2. Enter a few details such as your car registration number and your phone number. If you don’t have a registration number, you need to enter the RTO location, car model, manufacturing year and vehicle registration date.

  3. You will get an instant policy quote listing out your policy details and premium.

  4. If you are satisfied with the quote, you can proceed to make the payment online.

On successful payment, your car insurance policy will be sent to you at your registered email address.


Read More: Nissan Car Insurance

Simple Steps to Renew Your Nissan Micra Car Insurance

With just a few clicks as mentioned below, you can renew your Nissan Micra car insurance.


Step 1: Enter details like your registration number and mobile number.

Step 2: Provide your previous policy details.

Step 3: Check your renewal premium.

Step 4: Make an online payment.

Step 5: Download your insurance policy copy.


Read More: Car Insurance Renewal

Why Insure Nissan Micra?

While the Nissan Micra boasts top-notch safety features and is effortless to drive, there are always certain risks that you will be exposed to. Dangers such as accidents, injury, theft, natural calamities, malicious acts, vandalism, etc. will always be beyond your control. The repair and replacement costs of these damages can cost you anywhere between ₹1 lakh - ₹1.5 lakh and sometimes even more than that. A comprehensive car insurance policy will protect your car against all such risks by compensating for the damages caused to your car. Besides, having at least third-party car insurance is mandatory in India under the Motor Vehicles Act, 1988.

Types of Nissan Car Insurance

There are two types of car insurance to choose from:

1. Third-Party Car Insurance

According to Motor Vehicles Act, 1988, it is mandatory to have third-party car insurance. This type of insurance plan covers any damage or loss incurred by third party property, bodily injuries or even the death of the victim. The insurer shall compensate the other party in case of a mishap. However, the damage caused to your Nissan Micra is not covered under third party car insurance.

2. Comprehensive Car Insurance

As the name suggests, comprehensive car insurance provides extensive coverage to your vehicle. This coverage consists of any own damage, theft, calamities, third-party liabilities, etc. Although your Nissan Micra comprehensive car insurance price will be a little higher as compared to third-party insurance, the all-around coverage will be worth it. You can find a wide range of affordable insurance options on Finserv MARKETS!

What is Covered Under Your Nissan Micra Insurance?

Third-party car insurance includes any loss or damage caused to the third party, bodily injuries, death of the victim and a personal accident cover. On the other hand, comprehensive car insurance consists of own damage, third-party liabilities, theft, natural calamities, etc.

What is Not Covered Under Nissan Micra Car Insurance?

Some of the exclusions of your Nissan Micra car insurance are accidental losses incurred if the vehicle was being used otherwise than in accordance with the law such as speeding, driving someone else’s car, driving under the influence of alcohol, any damages caused outside the designated geographical area in the insurance policy, claims arising out of any contractual liability, any war-like situation, etc.

Get These Add-On Covers for Your Nissan Micra Car Insurance

Here are some of the add-on covers that will help in making the most out of your Nissan Micra car insurance policy:

  • Zero Depreciation Cover

A zero depreciation cover is a must-have if you do not want the depreciation rate of your car to be considered during a claim settlement.

  • Accessories Cover

In Accessories cover, any damage to the accessories of your vehicle is covered in the car insurance.

  • Engine and Tyre Secure Cover

Engine and tyres are integral components of any vehicle. Give it extra safety by opting for Engine and Tyre Secure cover.

  • Personal Accident Cover

Protect yourself financially against any unfortunate accidents or mishaps on the road by selecting Personal Accident Cover.

Read more: Add-on Covers in Car Insurance

Claim Process of Nissan Micra Car Insurance

Following documents will be required for filing a claim for your Nissan Micra car insurance:


  • Nissan Micra car insurance policy

  • Vehicle details

  • Insurer details

  • Registration certificate

  • Details of the incident

  • FIR copy in case of theft

  • Original bills and receipts of the vehicle repair


There are two types of Nissan Micra insurance claims.

  • Cashless Claim Under Car Insurance

To avail cashless claim facility, you will have to take your Nissan Micra to a network garage associated with the insurer. The bill of repair will be settled directly by the insurance provider while you need to clear the deductibles.

  • Reimbursement Claim Under Car Insurance

For this type of claim, you can go to any preferred garage that isn’t associated with the insurer. However, you will have to pay the bill first that will be later reimbursed by the insurer to get the claim amount.


Read More: Car Insurance Claim Process

Tips on How to Reduce the Nissan Micra Insurance Premium

You can follow the tips given below to make sure your insurance premium is cost-effective.

  • No Claim Bonus

You can get the no claim bonus on the insurance policy renewal premium by not making any claim throughout the policy year.

  • Proper Maintenance

If you take care of your Nissan Micra by having it serviced regularly, you can ensure a problem-free ride every time.

  • Compare Quotes

Before buying a Nissan Micra car insurance, check and compare quotes offered on insurance by different insurers to get the best policy.

  • Cautious Driving

You can keep your NCB rewards intact by driving as per the traffic rules and guidelines.

How to Keep Your Nissan Micra in Mint Condition

  • Keep Tyre Pressure in Check

Always keep a tab on the tyre pressure to avoid any sudden bursting or wear and tear of the tyres.

  • Warning Lights

Your dashboard will flash warning lights if there are any problems with the car. Ensure you lookout for any such warnings.

  • Clean the Battery

Always keep the battery of your Nissan Micra clean to avoid any problems with your car.

  • Changing Oil and Oil Filters

For the smooth functioning of your vehicle, the oil and oil filters have to be changed whenever required.

Nissan Micra Maintenance Cost

The estimated Nissan Micra maintenance cost for 5 years is around ₹26,300. You should also note that the first service after 10,000 km and the second service after 20,000 km is free and the rest after that are paid. Given below is the Nissan Micra service schedule and estimated applicable cost for the same.

Instance of Servicing


Free or Paid

Nissan Micra Service Cost*

























*Disclaimer: These are indicative prices. The actual cost of maintenance of Nissan Micra may vary and change from time to time.

About Nissan Micra

With its striking exteriors and classy interiors, the Nissan Micra is a contemporary hatchback that caters amazingly to its occupants. The classy hatchback offers a perfect blend of comfort and performance. The Nissan Micra packs numerous premium features and offers decent value for money. The frugal engine, stylish exteriors and comfortable interiors offer a fun-to-drive experience to the driver. What’s more, the Nissan Micra is available in a wide range of attractive colours such as storm white, onyx black, brick red, blade silver, olive green and turquoise blue.

Nissan Micra Specifications

Did you know the engine displacement of the Nissan Micra Petrol variant is 1198cc? Here is a look at more such Nissan Micra specifications.

Nissan Micra Specifications


Engine Displacement in cc


Fuel Type


ARAI Mileage

19.34 kmpl

Total number of cylinders


Maximum Power


Maximum Torque


Nissan Micra Seating Capacity


Type of Transmission


Boot Space (Litres)


Nissan Micra Tank Capacity

41 Litres

Body Type


Unladen Ground Clearance


Note: The actual specifications may vary depending on the Nissan Micra variant you choose.

Nissan Micra Features

Even though the car is discontinued in India, it has several features. Here is a look at some of them.


  • Power steering

  • Multi-function steering wheel

  • Anti-lock braking system

  • Driver airbag

  • Front power windows

  • Air conditioner

  • Wheel covers


Even though Nissan Micra is high on safety, you still need to get it insured to drive legally on Indian roads. To make sure your Nissan Micra is secured in case of any theft or damage, choose a suitable insurance plan from the best-suited insurance provider. You can browse through various insurance providers and opt for the best-fit car insurance plans by going to the official website of Finserv MARKETS now.

Check Out Car Insurance Plans Available at Bajaj MARKETS


FAQs on Nissan Micra Insurance

  • ✔️Do I need to buy Nissan Micra car insurance?

    Yes, it is mandatory according to the Motor Vehicles Act, 1988 to have car insurance to drive on Indian roads.

  • ✔️What will happen if I don’t buy Nissan Micra car insurance?

    If you are caught driving without a valid Nissan Micra car insurance, you will be charged a traffic challan with a fine of ₹2,000 and/or imprisonment up to three months for the first offence. After that, you will be charged ₹4,000 and/or imprisonment of up to three months for subsequent offences.

  • ✔️Can I renew my Nissan Micra car insurance online?

    Yes, you can renew your Nissan Micra car insurance online in simple and easy steps.

  • ✔️What is the Nissan Micra fuel tank capacity?

    Nissan Micra fuel tank capacity is 41 litres.

  • ✔️Can I increase the IDV of my Nissan Micra?

    Yes, the IDV or insured declared value of your Nissan Micra can be increased by paying a higher premium.

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