मोटर इन्श्युरन्स

maruti suzuki car insurance

कोटेशन मिळवा

Get Up To 85% Off*

Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your Car

प्रीमियम

सुरुवात ₹2094 पासून*

Cashless Garages

7,200+ network garages for hassle free services

ओन डॅमेज कव्हर

Covers damage to your car due to accidents, fire, theft and natural calamities

थर्ड पार्टी लायबिलिटी कव्हर

Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

पर्सनल ॲक्सिडेंट कव्हर

Starting from INR 15 Lacs

नो क्लेम बोनस

50% पर्यंत

पर्यायी कव्हर्स

Wide range of Add Ons

On The Spot Claim Settlement

You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App

24x7 स्पॉट असिस्टन्स

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

समावेश

What’s covered?

Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

Third Party Liability for Property Damage (up to INR 7.5 lacs)

If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

अपघात

Damages and losses that arise out of accidents and collisions

Natural or Man-Made Disasters

Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism

आगीमुळे होणारे नुकसान

Damages and losses if your car catches fire or explodes

चोरी

Financial losses when your car is stolen

In Transit Damage

If your car is damaged while being transported, this covers the repair costs

वैयक्तिक अपघात

Coverage if your car accident results in death or disability of car owner

अ‍ॅड-ऑन कव्हर्स

Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage

अपवाद

What’s not covered?

Intentional Damage

Any damage caused to the car intentionally

डेप्रीसिएशन

Normal wear and tear of the car due to usage and depreciation in value is not covered

मेकॅनिकल किंवा इलेक्ट्रिकल ब्रेकडाउन

If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.

War-related Damages

Losses caused by war or nuclear risks are not covered

Overloading the Vehicle

If you exceed the weight or passenger limit specified for your car, leading to an accident.

Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied

टीप

Please read policy wording for detailed exclusions

अतिरिक्त कव्हर्स

What else can you get?

24x7 रोड साईड असिस्टन्स

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

उपभोगासाठीचा खर्च

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

झिरो डेप्रीसिएशन कव्हर

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands

तुम्ही वापरत असताना देय करा

If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium

No Claim Bonus Protector

Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

Tyre Safeguard

This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle

कन्व्हेयन्स लाभ

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

इंजिन प्रोटेक्टर

Covers financial losses incurred due to damage to your car engine

Return to Invoice (RTI) Cover

Recover invoice value of your car back in case of theft or total loss

Protect Your Maruti Suzuki with the Right Car Insurance

विविध प्रकारच्या कार व्हेरियंट सह, मारुती सुझुकीही भारतातील फोर-व्हीलर्सचे अग्रगण्य उत्पादक आहे. हॅचबॅक, सेडान, एसयूव्ही आणि एमयूव्ही तसेच व्हॅन्सचा अशा विविध व्हेरियंटच्या गाड्यांच्या समावेश होतो. यामुळे त्यांना देशभरातील विविध प्रकारच्या कस्टमर साठी प्राधान्यित निवड बनते.

जर तुमच्याकडे मारुती सुझुकीकार असल्यास किंवा खरेदी करण्याची योजना असल्यास तर तुम्ही त्याचे संरक्षण इन्श्युरन्स प्लॅनसह केले आहे याची खात्री करा.

Benefits You Deserve

Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

7200+ Cashless garages

Wide network of cashless garages for hassle free service

On The Spot Claim Settlement

आत्ताच खरेदी करा

सुरक्षितपणे ड्राईव्ह करा

4.6 lacs+ road accidents reported (Ministry of Road Transport & Highways)

Avoid Legal Fines

Motor Vehicles Act, mandates Third Party Liability Cover for vehicles

Unfortunate Accident

File your claim immediately to ensure swift processing

मारुती सुझुकी कार इन्श्युरन्स ऑनलाईन खरेदी करण्याचे लाभ

मारुती सुझुकी इन्श्युरन्स ऑनलाईन खरेदी करणे अतिशय सुविधाजनक आहे. तुम्ही मोबाईल फोन किंवा कॉम्प्युटर वापरून कुठेही तुमची पॉलिसी खरेदी किंवा रिन्यू करू शकता. ऑनलाईन प्रोसेस जलद आणि त्रासमुक्त आहे, वेळ आणि पैसे वाचवते. याव्यतिरिक्त, मारुती कार इन्श्युरन्स ऑनलाईन खरेदी करणे म्हणजे अनेकदा कमी किंमती असतात कारण तुम्ही मध्यस्थांची गरज बायपास करता.

चला तर तुमच्या नवीन मारुती सुझुकी कारसाठी ऑनलाईन कार इन्श्युरन्स खरेदी करण्याचे फायदे पाहूया -

कुठेही सुविधा

खरं तर खरेदी करणे ऑनलाईन मोटर इन्श्युरन्स अनेक कारणांसाठी लाभदायक ठरते. तुम्ही तुमचा मोबाईल फोन किंवा कॉम्प्युटर वापरून ते कुठेही खरेदी करू शकता. फक्त इन्श्युररच्या वेबसाईटला भेट द्या किंवा त्यांच्या ॲपचा वापर करा, आणि तुम्ही पुढे जाऊ शकता.

तुमच्या खरेदीवर पैसे सेव्ह करा

खरेदी करण्याद्वारे ऑनलाईन कार इन्श्युरन्स, तुम्ही खर्चातील सेव्हिंग्सचा लाभ घेऊ शकता. तुम्ही एजंटच्या सहभागाशिवाय इन्श्युररकडून थेट पॉलिसी खरेदी करत असल्याने, ऑफलाईन खरेदीच्या तुलनेत मारुती सुझुकी कार इन्श्युरन्सची किंमत लक्षणीयरित्या कमी आहे.

त्वरित पॉलिसी रिन्यूवल

जर तुमची इन्श्युरन्स पॉलिसी लवकरच कालबाह्य होणार असल्यास तुमची इन्श्युरन्स पॉलिसी ऑनलाईन रिन्यू करणे क्विक आणि सुलभ आहे. इन्श्युररच्या वेबसाईटला भेट द्या आणि फक्त काही सोप्या स्टेप्समध्ये तुमची पॉलिसी रिन्यू करा. तसेच, रिन्यूवल प्रोसेस दरम्यान तुमच्या मारुती सुझुकी इन्श्युरन्सच्या किंमतीत बदल होत नाही.

At-A-Glance

Compare Insurance Plans Made for You

फीचर	Third Party Liabilty Cover Third Party Liabilty Cover ओन डॅमेज कव्हर कॉम्प्रिहेन्सिव्ह कव्हर Comprehensive Cover with Add-ons	ओन डॅमेज कव्हर Third Party Liabilty Cover ओन डॅमेज कव्हर कॉम्प्रिहेन्सिव्ह कव्हर Comprehensive Cover with Add-ons	कॉम्प्रिहेन्सिव्ह कव्हर Third Party Liabilty Cover ओन डॅमेज कव्हर कॉम्प्रिहेन्सिव्ह कव्हर Comprehensive Cover with Add-ons	Comprehensive Cover with Add-ons Third Party Liabilty Cover ओन डॅमेज कव्हर कॉम्प्रिहेन्सिव्ह कव्हर Comprehensive Cover with Add-ons
ओव्हरव्ह्यू	Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law.	Covers expenses arising out of damage to your car.	Full fedged cover comprising of Third Party Liability cover and Own Damage covers	Enhance coverage by opting for various Add-ons over and above the comprehensive cover
पॉलिसीचा कालावधी	1 or 3 years	1 वर्ष	1 and 3 years	1 and 3 years
Third Party Liability for Injury, Death & Property Damage	होय	नाही	होय	होय
अपघात आणि टक्कर	नाही	होय	होय	होय
Natural or Man-Made Disasters	नाही	होय	होय	होय
आगीमुळे होणारे नुकसान	नाही	होय	होय	होय
चोरी	नाही	होय	होय	होय
Compulsory Personal Accident	होय	होय	होय	होय
Add-on: No Claim Bonus	नाही	नाही	नाही	होय
Add-on: Zero Depreciation Cover	नाही	नाही	नाही	होय
Add-on: Lock & Key Replacement	नाही	नाही	नाही	होय
Add-on: 24x7 Roadside Assistance	नाही	नाही	नाही	होय
Add-on: Consumables Cover	नाही	नाही	नाही	होय
Explore more add-ons	नाही	Up to 27 Add Ons	Up to 27 Add Ons	Up to 27 Add Ons

मारुती सुझुकीसाठी कार इन्श्युरन्स प्लॅन्सचे प्रकार

जर तुम्ही तुमच्या मारुती सुझुकी साठी कार इन्श्युरन्स खरेदी करण्याचे प्लॅनिंग करीत असाल तर तुम्ही खालील पर्याय निवडू शकता:

थर्ड-पार्टी मारुती सुझुकी कार इन्श्युरन्स

Third-party car insurance is the fundamental insurance policy that you can buy for your car. This policy is mandatory under the Motor Vehicles Act and is designed to cover damages caused to third-party vehicles or property. It also provides coverage for third-party injuries and deaths. Along with this policy, you are required to purchase a personal accident cover.

सर्वसमावेशक मारुती कार इन्श्युरन्स

सर्वसमावेशक कार इन्श्युरन्स एकाच पॉलिसीअंतर्गत स्वत:च्या नुकसानीसाठी आणि थर्ड-पार्टी दोन्ही नुकसानीसाठी कव्हरेज देऊ करते. अपघात, नैसर्गिक आपत्ती आणि मानव-निर्मित संकटे यामुळे होणाऱ्या नुकसानीचा समावेश स्वत:च्या नुकसानीत होतो. आग किंवा चोरीमुळे झालेले नुकसान किंवा हानी देखील पॉलिसीमध्ये कव्हर केली जाते. तुम्ही त्याचे कव्हरेज वाढविण्यासाठी तुमच्या पॉलिसीमध्ये ॲड-ऑन्स समाविष्ट करणे निवडू शकता. तथापि, हे लक्षात घेणे आवश्यक आहे की या पॉलिसीचा खर्च थर्ड-पार्टी इन्श्युरन्स पॉलिसीपेक्षा तुलनेने जास्त आहे.

Maruti Suzuki – Bestselling Models

Maruti Suzuki offers a variety of bestselling models like Swift, Wagon R, Ertiga, and Brezza, catering to diverse needs. Whether you prefer a compact hatchback or a spacious SUV, the Maruti Suzuki ensures reliability and performance, making it a top choice for Indian car owners.

पॉलिसी दस्तऐवज डाउनलोड करा

Get instant access to your policy details with a single click.

ब्रोशर

पॉलिसी मजकूर

प्रपोजल फॉर्म

Claims Form

Customer Info Sheet

डाउनलोड

Why Insure Your Car with Bajaj Allianz?

आत्ताच खरेदी करा

परवडणारे प्रीमियम

Wide range of plans that suit your pocket

Tailored Plans

Customise the coverage as per your needs

7200+ Cashless garages

Network of garages for hassel-free repairs

क्विक क्लेम सेटलमेंट

सुलभ क्लेम सेटलमेंट प्रोसेस

सोपे रिन्यूवल

Continued coverage for your vehicle

24x7 Assistance

Round the clock dedicated support team

Expand Your Coverage Today!

Exclusive Savings: Special discounts for named drivers.

Extended Coverage: Protects any car driven by you.

आत्ताच खरेदी करा

Immediate Help: Round-the-clock roadside assistance.

Towing, fuel delivery, tyre repair and many more.

आत्ताच खरेदी करा

Sustainable Solutions: Repairs using refurbished parts.

Cost-effective repairs with no depreciation on parts.

आत्ताच खरेदी करा

Ultimate car protection with the option of 22 covers

Towing, pick up and drop, fuel service, flat tyre and more.

आत्ताच खरेदी करा

Smart Savings: Pay less based on miles driven

Carry forward unconsumed kilometers to the next plan.

आत्ताच खरेदी करा

Step-by-Step Guide

To help you navigate your insurance journey

खरेदी कसे करावे

0

Download the Caringly Yours app from App stores or click "Get Quote"
1

Register or log in to your account.
2

Enter your car details
3

You will be redirected to the Car Insurance Page.
4

Ensure to check your No Claim Discount
5

Choose right Insured Declared Value (IDV) that reflects your car value
6

Evaluate Covers, Add Ons, Optional Covers and Exclusions
7

Select a plan from the recommended options, or customize your own plan
8

Review the premium and other coverage details
9

Proceed with the payment using your preferred method
10

Receive confirmation of your purchased policy via email and SMS

आत्ताच खरेदी करा

How to Renew

0

Login to the app
1

Enter your current policy details
2

Review and update coverage if required
3

Check for renewal offers
4

Add or remove riders
5

Confirm details and proceed
6

Complete renewal payment online
7

Receive instant confirmation for your policy renewal

लगेच रिन्यू करा

How to Claim

0

Download our Caringly Yours App on Android or iOS
1

Register or login to use Motor On the spot claim for a smooth process
2

Enter your policy and accident details (location, date, time)
3

Save and click Register to file your claim
4

Receive an SMS with your claim registration number
5

Fill in the digital claim form and submit NEFT details
6

Upload photos of damaged parts as instructed
7

Upload your RC and driving license
8

Receive an SMS with the proposed claim amount
9

Use the SMS link to agree/disagree with the claim amount
10

Agree to receive the amount in your bank account
11

Track your claim status using the Insurance Wallet App

Claim Now

अधिक माहिती घ्या

0

For any further queries, please reach out to us
1

Phone +91 020 66026666
2

Fax +91 020 66026667

आमच्याशी संपर्क साधा

How to Raise a Claim for Your Car Insurance?

दोन प्रकारचे कार इन्श्युरन्स क्लेम आहेत, म्हणजेच कॅशलेस क्लेम आणि रिएम्बर्समेंट क्लेम.

1. कॅशलेस क्लेम

कॅशलेस क्लेम दाखल करण्यासाठी, तुम्हाला खालील स्टेप्स फॉलो करणे आवश्यक आहे:

● Contact your insurer through their website, app, or helpline number after the accident has occurred

● File an FIR if it is required

● Submit all the required documents and evidence related to the damage caused

● Get your vehicle surveyed by a surveyor arranged by the insurer

● Take your car to a network garage where the insurer will pay directly for the repairs

2. रिएम्बबर्समेंट क्लेम

रिएम्बर्समेंट क्लेमसाठी, तुम्हाला वर नमूद केलेल्या पहिल्या चार स्टेप्स फॉलो करणे आवश्यक असेल. फरक इतकाच असेल तुम्ही तुमच्या आवडीच्या गॅरेजमध्ये कार दुरुस्ती करू शकाल. दुरुस्तीचे काम पूर्ण झाल्यानंतर आणि पेमेंट केल्यानंतर , तुमच्या इन्श्युरर द्वारे देय रकमेचे रिएम्बर्समेंट केले जाईल.

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मोटर क्लेम असिस्टन्स

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मोटर इन्श्युरन्स पोर्टेबिलिटी: तुम्हाला माहित असावे असे सर्वकाही

What are the benefits of this feature?
What are the eligibility criteria for vehicle insurance portability?
Key considerations when switching car insurance providers

कार इन्श्युरन्समधील ॲड-ऑन कव्हरेज: परिपूर्ण गाईड

तुमच्या कार इन्श्युरन्स पॉलिसीसाठी ॲड-ऑन्सचे प्रकार
ॲड-ऑन्स कसे निवडावे?
कार इन्श्युरन्स ॲड-ऑन्स विषयी एफएक्यू

दायित्वाच्या पलीकडे: कार इन्श्युरन्समधील असामान्य कव्हरेज पर्याय शोधणे

Understanding car insurance coverage
Comprehensive coverage: More than just accidents
Add-on covers for enhanced protection

कार इन्श्युरन्समध्ये ब्रेक-इन कालावधी: तुम्हाला माहित असावे असे सर्वकाही

What is a break-in period in car insurance?
Myths about car insurance break-in period
How to renew car insurance during the break-in period?

मारुती सुझुकी कार इन्श्युरन्ससाठी ॲड-ऑन्स

मूलभूत कव्हरेज व्यतिरिक्त, मारुती सुझुकी साठी सर्वसमावेशक कार इन्श्युरन्स तुम्ही निवडू शकता असे अनेक ॲड-ऑन्स प्रदान करतो, ज्यामध्ये समाविष्ट आहे:

झिरो डेप्रीसिएशन कव्हर

हे ॲड-ऑन तुम्हाला तुमच्या कारची डेप्रीसिएट वॅल्यू विचारात न घेता तुमच्या क्लेमचे पूर्ण वॅल्यू प्राप्त करण्याची सुनिश्चिती प्रदान करते.

इमर्जन्सी रोडसाईड असिस्टन्स

जर तुमची कार अचानक ब्रेकडाउन झाली तर हे ॲड-ऑन तुम्हाला तुमच्या इन्श्युररकडून आपत्कालीन सेवा प्रदान करते.

की आणि लॉक रिप्लेसमेंट कव्हर

जर तुम्ही तुमची की हरवली तर हे ॲड-ऑन तुम्हाला तुमच्या डीलरकडून नवीन मिळेपर्यंत तात्पुरती की प्रदान करते.

इंजिन प्रोटेक्शन कव्हर

हे ॲड-ऑन आपल्या कारच्या इंजिनच्या योग्य कार्यावर परिणाम करू शकणाऱ्या कोणत्याही समस्या कव्हर करते.

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Awards and Accolades

अवॉर्ड्स

Bajaj Allianz General Insurance won IBEX award

Bajaj Allianz wins Product Innovator of the Year

Bajaj Allianz earns top honours for customer excel

Bajaj Allianz won best usage of data analytics

What Our Customers Say

तत्काळ असिस्टन्स

Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.

विक्रम सिंह

दिल्ली

4.6

21st May 2021

Claim Support

Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.

दीपक भानुशाली

मुंबई

4.5

18th May 2021

Quick Assistance

Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!

नवीन त्यागी

दिल्ली

5.0

1st May 2021

Claim Support

I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.

प्रमोद चंद लाकडा

जयपूर

5.0

27th Jul 2020

Reliable Service

The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.

सिबा प्रसाद मोहंती

पुणे

5.0

26th Jul 2020

Diverse Options

A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.

राहुल

लखनऊ

5.0

26th Jul 2020

FAQs

कार इन्श्युरन्स अनिवार्य आहे का?

भारतात, सर्व वाहनांसाठी कार इन्श्युरन्स असणे अनिवार्य आहे. मोटर व्हेईकल्स ॲक्ट 1988 नुसार, भारतात रस्त्यावर धावणाऱ्या प्रत्येक कारसाठी किमान थर्ड-पार्टी कार इन्श्युरन्स असणे अनिवार्य आहे. जर तुमच्याकडे पॉलिसी नसेल तर अधिकाऱ्यांमार्फत दंडाची आकारणी केली जाऊ शकते.

रोडसाईड असिस्टन्स अंतर्गत कोणत्या सर्व्हिसेस प्रदान केल्या जातात?

आपत्कालीन रोडसाईड असिस्टन्स सर्व्हिसेसमध्ये टायर रिप्लेसमेंट/रिफिलिंग, फ्यूएल रिफिलिंग, बॅटरी चार्जिंग आणि नजीकच्या गॅरेजमध्ये मोफत टोईंग यांचा समावेश होतो.

तुमचा प्रीमियम कसा कमी कराल?

अनावश्यक ॲड-ऑन्स कमी करणे, तुमच्या कारमध्ये सुरक्षा डिव्हाईस इंस्टॉल करणे आणि किरकोळ नुकसानीसाठी क्लेम दाखल करणे टाळणे हे तुमचे इन्श्युरन्स प्रीमियम कमी करण्याचे काही मार्ग आहेत.

इन्श्युरन्सच्या किंमतीवर कोणत्या घटकांचा परिणाम होतो?

तुमच्या इन्श्युरन्स प्रीमियमची किंमत तुमच्या कारचा इंधन प्रकार, क्युबिक क्षमता, तुमचे निवास क्षेत्र आणि तुमच्या ड्रायव्हिंग रेकॉर्ड यासारख्या घटकांद्वारे प्रभावित होते.

थर्ड-पार्टी इन्श्युरन्स स्वत:च्या नुकसानीला कव्हर करते का?

थर्ड-पार्टी कार इन्श्युरन्स केवळ थर्ड-पार्टी व्यक्ती आणि मालमत्तेला झालेल्या नुकसान आणि दुखापती/मृत्यूसाठी कव्हरेज प्रदान करते आणि तुमच्या वाहनाचे नुकसान कव्हर करत नाही.

How can I buy car insurance for my Maruti Suzuki car without much hassle?

You can purchase Maruti Suzuki car insurance online by visiting the Bajaj Allianz General Insurance Company website. Enter your car details, select a plan, customise it as per your needs, and pay online for instant policy issuance.

Which documents do I need while buying car insurance?

Essential documents include your car registration certificate, driving license, previous policy details (if any), and proof of personal ID. These ensure smooth and quick processing of your insurance application.

What is the procedure for Maruti insurance renewal?

Visit the Bajaj Allianz General Insurance Company website, provide your car and existing policy details, review the renewal options, and pay online. You can also customise your policy during renewal to enhance coverage.

Can I transfer my existing motor insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.

What is a Third-Party Liability Cover?

Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.

Differenciate Third-Party Liability and Comprehensive Motor Insurance?

"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"

Will my no claims bonus be transferred if I renew my motor insurance?

You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.

What is premium reduction process if no claim aquired previously?

Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.

क्लेम दाखल करण्यासाठी माझे पहले काम काय असेल?

Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

मी माझा क्लेम कसा रजिस्टर करू?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a "deductible" or "compulsory excess" in motor insurance?

It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How 'no claim bonus' is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is break-in insurance? What should I do in case of break-in?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in motor insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.