Maruti Car Insurance

Car insurance is an important safety feature that your Maruti Suzuki Car should have. And as per the Motor Vehicles Act, 1988, third-party insurance is necessary for every car owner to drive the four-wheeler on roads. Under a Maruti insurance plan, you will be protected against damages and losses caused to the third-party vehicle, person or property, and loss/damage of your Maruti Suzuki car due to accident, natural disasters or even theft. So, if you have purchased a new Maruti Suzuki car, you should purchase at least a third-party cover for hassle-free driving. Continue reading this post below and know the coverage, exclusions and terms of the Maruti Insurance Plan.

Maruti Insurance Coverage

When you purchase a Maruti Insurance, you will be protected against unforeseen risks like –

Fire & Explosion – If a fire or an explosion causes burns and damages to your Maruti Suzuki car, this insurance will ensure that the crisis doesn’t burn your finances.

Natural Calamities – Natural calamities such as – floods, earthquakes, typhoons, etc. can cause unexpected and unprecedented damage to your car. But when you have Maruti car insurance, you can rest assured that such an incident won’t impact your finances.

Theft – In case of your car theft, Maruti car insurance coverage ensures that the theft doesn’t burden your finances.

Accidents – If you meet an accident, and it causes damage to the car’s exterior or interior parts, depending on the extent of damage, the insurer will compensate for its repair cost.

Personal Accident – In the case of an accident, Maruti Insurance doesn’t just take care of your car, but it takes care of you too. So, if you suffer from any injuries during the accident, the insurer will cover the medical treatment too.

Third-Party Liability – In case of an accident where your car causes damage/loss to a third party property/vehicle/person, you do not need to worry about paying out medical bills or repair costs from your pocket. Because such liabilities are covered under Maruti Insurance.

Exclusions from Maruti Insurance

Maruti Insurance Policy shall not cover the expenses arising out of the following –

Depreciation – Under this car insurance, the insurer does not cover general wear and tear or depreciation in the value of the Maruti Suzuki car.

Electrical & Mechanical Breakdown – If your car is damaged due to electrical or mechanical breakdown, the policy shall not cover such repair costs.

Illegal Driving – If you are driving without a valid driving license or under the influence of drugs or alcohol, and an accident happens, in such cases, no coverage shall be provided for any loss or damage occurred to the car or third party.

Maruti Insurance Add-on Covers

You can customize your Maruti Insurance plan by adding any of the following add-on covers –

Zero Depreciation Cover – Your Maruti Suzuki car depreciates with age. So, in case of a claim, the damage payout may be less due to the effect of depreciation. To avoid that, you can buy an add-on – Zero Depreciation Cover.

No Claim Bonus Protection – You will earn a No Claim Bonus (NCB) after every claim-free year. With the NCB, the premium amount for your Maruti Car Insurance will reduce. So if you’ve accumulated a good amount of NCB and want to protect it, buy an add-on No Claim Bonus Protection cover. This helps you protect the NCB even if you claim in the subsequent policy year.

Emergency Assistance Cover – With an Emergency Assistance add-on, you can get 24×7 emergency assistance like- refueling, tyre changes, towing assistance, lost key assistance, quick mechanic arrangement, etc.

Return to Invoice – In case your Maruti Suzuki car is stolen or damaged beyond repair, this add-on ensures you get the original invoice value of your car, including the road tax and registration fee.

Engine & Gearbox Protector – The Engine and GearBox Protector add-on safeguards you against the financial burden occurring in case of damage to the vital car parts.

Downtime Protection – The Downtime Protection add-on cover offers you alternative transport or daily financial assistance, so until your car is in repair, you won’t face any conveyance trouble.

Top Maruti Insurance Policies in India

You can purchase any of the following Maruti Insurance plans after comparing the offers mentioned below: