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Buy/Renew Maruti Suzuki Car Insurance

Maruti Suzuki Car Insurance

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BUY/RENEW MARUTI SUZUKI CAR INSURANCE

With a range of car variants to offer, Maruti Suzuki has been a leading manufacturer of four-wheelers in India. Their offerings include an array of hatchbacks, sedans, SUVs & MUVs, as well as vans. This makes them the preferred choice for a variety of customers across the country.

If you have a Maruti Suzuki car, or are planning to buy one, ensure that you protect it with an insurance plan.

Benefits of buying Maruti Suzuki car insurance online

Let’s look at the benefits of buying car insurance online for your brand-new Maruti Suzuki car -

 

    Convenience from Anywhere:

The convenience of buying Motor insurance online is unparalleled. You can purchase it from anywhere, using your mobile phone or computer. Simply visit the insurer's website or use their app, and you're good to go.

 

    Save money on your purchase:

By purchasing car insurance online, you can take advantage of the cost savings. Since you are buying the policy directly from the insurer without the involvement of agents, the Maruti Suzuki car insurance price is significantly lower compared to offline purchases.

 

    Instant Policy Renewal:

Renewing your insurance policy online is quick and easy if it is approaching its expiry date. Visit the insurer's website and renew your policy with just a few simple steps. Moreover, your Maruti Suzuki insurance price remains unchanged during the renewal process.

Inclusions and Exclusions of Maruti Suzuki car insurance

  • Inclusions

  • Exclusions

Damages caused to third-party vehicles and property

Third-party injuries or death resulting from an accident

Damages caused by natural calamities like earthquakes and floods

Damages caused by man-made calamities such as riots

Damage or loss of car due to fire

Damage or loss of car due to theft

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Driving with an expired or invalid license

Driving under the influence of alcohol or drugs

Using the car for unlawful activities

Wear and tear caused by usage

Issues caused by electrical or mechanical breakdowns.

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Types of car insurance plans for Maruti Suzuki

If you are planning to buy car insurance for your Maruti Suzuki, you can choose between the following options:

Third-party Car Insurance

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.

Comprehensive Car Insurance

comprehensive car insurance offers coverage for both own-damages and third-party damages under a single policy. Own damages may include damages caused by accidents, natural disasters, and man-made calamities. The policy also covers loss or damage caused by fire or theft. You can choose to include add-ons in your policy to enhance its coverage. However, it is essential to note that this policy's cost is comparatively higher than that of a third-party insurance policy.

Add-ons for Maruti Suzuki car insurance

In addition to the basic coverage, Maruti Suzuki's comprehensive car insurance offers several add-ons that you can opt for, including:

Zero Depreciation Cover

This add-on ensures that you receive the full value of your claim without considering the depreciated value of your car.

Emergency Roadside Assistance

If your car breaks down suddenly, this add-on provides you with emergency services from your insurer.

Key And Lock Replacement Cover

If you lose your key, this add-on provides you with a temporary key until you get a new one from your dealer.

Engine Protection Cover

This add-on covers any problems that might affect the proper functioning of your car's engine.

How to buy Maruti Suzuki car insurance?

You can buy your Maruti Suzuki car insurance online by following these steps:

  1. Visit the insurer's website
  2. Enter your car details and city of residence
  3. Choose a plan that suits your requirements
  4. You will receive a quote based on the type of policy you select
  5. If you opt for comprehensive car insurance, you can customise it with add-ons. Note that add-ons will increase the overall policy premium
  6. Pay for your policy online on the website

By following these simple steps, you can easily purchase your policy. Before buying the policy, you can use the car insurance calculator to get an estimated price for the policy you wish to purchase.

Renew Maruti Suzuki car insurance

You can renew your Maruti Suzuki car insurance online with the following steps:

  1. Visit the insurer's website
  2. Enter your car details and existing policy information
  3. Provide information about any claims made during the previous policy period
  4. You will receive a quote based on the details provided
  5. If you want to customise your policy, you can do so at this stage

After receiving the revised quote, you can renew your policy by making an online payment on the website.

Claim Procedure

There are two types of car insurance claims, namely cashless claim and reimbursement claim.

 

1. Cashless claim

To file a cashless claim, you need to follow these steps:

  • 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. Reimbursement claim

For a reimbursement claim, you need to follow the first four steps mentioned above. The only difference is that you can get your car repaired at a garage of your choice. Once the repair work is completed and the payment is made by you, your insurer will reimburse you for the amount paid.

Frequently Asked Questions

Is car insurance mandatory?

In India, having car insurance is compulsory for all vehicles. According to the Motor Vehicles Act of 1988, it is mandatory for every car being driven on Indian roads to have at least third-party car insurance. If you do not have a policy, you may face penalties from the authorities.

What are the services provided under roadside assistance?

Emergency roadside assistance services include tyre replacement/refilling, fuel refilling, battery charging, and free towing to the nearest garage.

How to reduce your premium?

Reducing unnecessary add-ons, installing safety devices in your car, and avoiding filing claims for minor damages are some ways to lower your insurance premium.

What factors affect the price of insurance?

The price of your insurance premium is influenced by factors such as the fuel type of your car, cubic capacity, your area of residence, and your driving record.

Does third-party insurance cover own damages?

Third-party car insurance only provides coverage for damages and injuries/deaths caused to third-party individuals and property, and does not cover damages to your vehicle.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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