Maruti Suzuki Car Insurance

If you own a Maruti Suzuki car, then you must get insurance for it. You can get financial cover for damage to your car or a third-party car. When getting insurance for a Maruti Suzuki car, consider your needs, inclusions, exclusions, and other terms. 

 

Doing this will help ensure to get the best coverage at an affordable price. On Bajaj Markets, you can get insurance for a Maruti Suzuki car at a starting annual premium of ₹2,094 and enjoy the best protection.

Your car insurance premium depends on many factors, one of which is the on-road price and the model. Here is the price for the different models Maruti Suzuki offers and their estimated premium amount.

Disclaimer: 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.

Getting insurance for a Maruti Suzuki car online is easy, quick, and affordable. Here is how you can do it on Bajaj Markets: 

1. Navigate to the ‘Car Insurance Premium Calculator’ page. 

2. Fill in your mobile number and your Maruti Suzuki car’s registration number

3. Provide all the necessary details about your vehicle

4. Pick the car insurance that is best suited for your needs

5. Pay the car insurance premium online

6. Check the Maruti Suzuki car insurance policy sent to your email address 

Renewing your insurance for a Maruti Suzuki car is important as it helps ensure continued protection. You can also enjoy many benefits such as No Claim Bonus if you renew your policy. Here are the general steps you can follow: 

1. Visit your insurance provider's official website

2. Enter your Car Registration Number

3. Check the sum insured and the premium amount 

4. Pay the premium via your preferred mode

5. Check the policy document sent to your email

Getting insurance for a Maruti Suzuki car is beneficial in many ways, making it an important addition. Here are some benefits of getting insurance: 

• Mandatory for Driving

As per The Motor Vehicles Act (1988), driving without car insurance is a punishable offence

• Damage Coverage 

It provides financial protection against accident damage, disaster, and unexpected circumstances

• Third-party Liabilities

In case you are involved in an accident, it protects you against damage to third parties and covers all the liabilities

• Accidental Cover

The driver of the vehicle also gets protection with the clause to cover permanent disability in case of an unfortunate accident

• Theft and Natural Calamities Protection 

You get protection against damage to your vehicle due to any unforeseeable circumstance

• Cashless Repairs

You can opt for cashless repair at the network garage and get immediate assistance without paying anything 

According to the Motor Vehicles Act of 1988, third-party insurance is mandatory to drive a car on the road in India. This is to at least cover the damages and losses incurred by the third party involved in the accident. 

 

Comprehensive cover is optional and covers third-party as well as own damage costs. It covers all the damages incurred to your vehicle and other parties and any legal costs if the matter goes to court.

 

Since it has a broader scope of coverage, the premium for comprehensive plans is generally higher than third-party plans. Consider this along with your insurance needs when deciding on insurance for a Maruti Suzuki car.

The insurance will offer coverage as per the inclusions and terms mentioned in the policy document. This can vary depending on the insurer and the plan you get but here are the general inclusions of insurance for a Maruti Suzuki car:

• Third-party liability in case of property damage or loss of life 

• Protection against fire, explosion, self-ignition, and accidental damage

• Coverage against natural calamities such as earthquakes, landslides, lightning, hurricanes, and more

• Cover against man-made calamities, such as riots, theft, strikes, terrorist activity, and more

The insurance provider is not liable to cover the costs in some cases, which are generally listed under the exclusion section of the policy. These also vary depending on the insurer and the plan you choose but here are some common exclusions of insurance for a Maruti Suzuki car:

• Damage to the vehicle under the influence of drugs and alcohol

• Wear and tear to the vehicle body tyres and tubes with usage over the years  

• Damages caused when driving the vehicle without a valid licence or documents 

• Chaotic and uncontrollable event-related damage such as war, mutiny, nuclear attacks

• If driving over the speed limit or overloading the vehicle 

• Expenses for electrical and mechanical breakdown

• Damage outside of the geographical area

To provide extra protection to your vertical, you can opt for add-on covers. Here are some add-ons you can add to your insurance for a Maruti Suzuki car. 

• Zero Depreciation 

The value of a car goes down every year, so the insurer considers the depreciated value while offering the compensation. With this add-on, the insurer will not consider the depreciation and you will receive the full amount. 

• No Claim Bonus (NCB) Protection

Insurance providers offer a bonus for every year you do not file a claim but when you do, you lose the bonus. With this add-on, your NCB remains intact even after filing a claim. 

• Engine and Tyre Secure

Car insurance policies generally do not cover the damage to the engine, tyre, or gearbox resulting from regular wear and tear. By including this add-on, you get coverage for these and ensure that your car is safe. 

• Consumable Expenses

The cost of repair or replacement of gearbox, engine oil, screws, and other consumables is generally not covered. But with this, the insurer will cover these costs too. 

Here is a step-by-step on how you can make a claim for insurance on your Maruti Suzuki car.

1. Take pictures of the accidental site and damages to the car

2. Call your insurance company on their toll-free number or visit their website

3. File a claim by providing all the necessary details

4. File an FIR at your nearest police station

5. Get in touch with the insurance agent for inspection

6. Submit all the documents, including the pictures and FIR

7. Track your application

To enjoy the maximum coverage at the lowest prices, here are a few tips for getting the right insurance for a Maruti Suzuki car. 

• Compare Insurance Policy 

Before you get the policy online, compare multiple offers on Bajaj Markets

• Choose Needed Coverage

Select the right sum insured as per your needs and avoid add-ons that you do not need

• Be a Safe and Sensible

Not having any driving penalties and accidental history also lowers your insurance premium

• Select Right Deductible

Having a high voluntary deductible increases out-of-pocket expenses but lowers your insurance premium