Benefits of Maruti Car Insurance

As per the Motor Vehicles Act, 1988, it is mandatory to carry third-party insurance car insurance whenever you are driving on Indian roads. However, it depends on the car owner whether they want to opt for the comprehensive cover or not. If you wish to renew or purchase car insurance for your Maruti online, read ahead to have a detailed understanding of Maruti car insurance.

Read more



Stay home & renew car insurance in 2 minutes

No documents required
Processing
Get Car Insurance starting
@ only 2072/year*
  • Save up to 80%* Lowest Car Premiums

  • 20+ Insurers To Choose From

  • 25 Lakh+ Vehicles Insured

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Features of Maruti Car Insurance

Maruti Suzuki is one of the most reputed, popular, and reliable automotive brands in India. The automobile giant enjoys this reputation due to its best-in-class services, available for every income group available across the nation. Following are some of the best features of a car insurance plan from the Indian automotive giant:

  1. Cashless repairs Pan-India: With Maruti Suzuki's vast network of partner garages and service stations across India, making convenient cashless claims becomes a dream come true. The policyholder is not required to pay the cost of the repair and is only required to pay the compulsory excess and charged depreciation. Every other invoice is settled directly by the company with the garage.
  2. Transparent claim settlement process: Policyholders can expect a completely fair claim settlement process with Maruti car insurance given their vast network of cashless garages, surveyors, and reliable services.
  3. Quality service: With Maruti Suzuki's high-quality after-sales service, policyholders can experience the best-in-class quality customer experience. Vehicles are only repaired at Maruti Suzuki authorized service centers with state-of-the-art services.
  4. Towing facility: Policyholders get assisted towing facility in case of an accident. MSIL dealers tow the immobile vehicle to the nearest partner garage for making the necessary repairs.

Benefits of Buying Maruti Car Insurance

Following are the benefits of owing Maruti Car Insurance:

  1. Peace of mind: It gives happiness knowing that you are financially secure while driving on the road. Unforeseen mishaps can arrive at any time leading to unplanned financial and legal liabilities. Having car insurance keeps us secured against such liabilities, hence, allows us to drive stress-free.
  2. Legal mandate: Alongside being covered against unforeseen liabilities, you will also be fulfilling the legal mandate of having valid motor insurance while driving on Indian roads.
  3. Own-damage: In case you have opted for a comprehensive car insurance package, you get are also covered for any unplanned cost of repairs for your car arising due to road accidents.
  4. Personal accident coverage: In India, it is mandatory to opt for a personal accident cover irrespective of the type of car insurance planyou have purchased. A personal accident cover provides coverage for the owner-driver in case of an accident, providing compensation to deal with unforeseen mishaps.

Add-on Covers You Can Buy Under Maruti Car Insurance

Add-on covers enhance the overall coverage of comprehensive car insurance by providing extended protection under various circumstances. You can opt for add-on covers at the time of purchasing or renewing Maruti car insurance. by paying an additional premium amount. Following are the most commonly bought add-on covers with Maruti car insurance:

  • Return to invoice cover
  • Engine protection cover
  • Zero depreciation cover
  • Outstation emergency cover
  • Tyre protection cover
  • No claim bonus cover
  • Key replacement cover
  • Passenger cover

Please note that add-on covers increase the premium amount, hence, increasing the cost of car insurance. If you wish to know about the premium amount after including your preferred add-on covers, you can estimate car insurance using an online car insurance calculator available at the official website of Policy Bazaar Insurance Brokers Private Limited.

What is Not Covered Under Maruti Car Insurance?

Here are the conditions under which Maruti car insurance will not provide cover.

  • Loss or damage caused to the car during commercial use or any kind of race.
  • Loss or damage caused to the car during a war or because of any nuclear activity.
  • Loss or damage caused to the car outside India.
  • Loss or damage caused to the car if the driver is found driving the car under the influence of alcohol or drugs. Driving with a valid driving license.
  • Depreciation of the car’s parts.
  • Regular wear and tear of the car.
  • Electrical/Mechanical breakdown.
  • Any kind of fraudulent claim raised.
  • If the car is used in illegal activities.

How to Ensure Low Premium Cost for Maruti Car Insurance?

  1. Purchase multi-year car insurance: An ideal way to ensure a lower cost of car insurance is to opt for multi-year car insurance or a long-term motor insurance plan. You can either purchase long-term third-party car insurance or a comprehensive plan valid for 3 years. This will come with additional discounts on the premium amount to be paid.
  2. Avoid car modifications: Modifications require changing original car parts with after-market parts that are much more expensive than the original parts. This dramatically increases the car insurance premium as the cost of replacing or repairing such damaged parts will also be high.
  3. Buy car insurance online: If you wish to drastically reduce the cost of car insurance renewal, make sure that you renew/purchase car insurance online. Insurance companies offer a lot of discounts on renewing car insurance online, however, if you opt for renewing your car insurance offline through a middleman, you would have to forego all those discounts and give commission or brokerage to the agent.
  4. Renew before the policy period expires: One of the biggest mistakes you can make while trying to save on the cost of car insurance is to renew car insurance after the policy has lapsed. Hence, make sure that you renew early to enjoy additional discounts from the insurer as well as save on your accumulated no claim bonus.

To Conclude

Without a valid car insurance policy, you are not allowed to drive in India as the Motor Vehicles Act, 1988 makes it compulsory to carry car insurance while driving on Indian roads. Understandably, not everyone can afford a comprehensive car insurance policy. For this reason, you can also opt for third-party car insurance if you want to abide by the law and also drive your car peacefully.

Having said that, while carrying valid car insurance is vital, it is also important to drive responsibly. Make sure that you follow all traffic signals, drive under the speed limit, and do not drive while under the influence of intoxicating substances to mitigate the possibility of road accidents.

Written By: PolicyBazaar - Updated: 09 November 2021
You May Also Like
  • Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming increasingly common for people to purchase second-hand...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more
Search
Car insurance save up to 80
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices
Car Insurance Renewal

Car insurance articles

Recent Articles
Popular Articles
Is Cashless Car Insurance Beneficial for Car Owners in India?

24 Nov 2021

With the advancement in technology, car insurers have also evolved...
Read more
Things to Know About Total Loss Car Insurance Claim Process

22 Nov 2021

Imagine you have raised a claim after your car gets damaged in an...
Read more
Car Depreciation Calculator In India

20 Nov 2021

Are you planning to purchase a new car or sell your old one? It...
Read more
Documents Required for Car Insurance Renewal in India

19 Nov 2021

Driving on public roads poses a threat to the driver's life and...
Read more
Why Should You Buy a Long-Term Car Insurance Policy?

18 Nov 2021

Imagine what will happen if you don't have car insurance and meet...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Insurance offers much-needed financial protection in case of a crisis. When vehicle insurance is mandatory in India...
Read more
Transferring Car Insurance from One Person to Another
In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming...
Read more
How to Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Multiple Ways To Check Your Car Insurance Status Online
Keeping a check on your car insurance policy is as important as purchasing a comprehensive insurance policy for...
Read more
Difference Between Comprehensive Insurance and Third Party Insurance
Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage...
Read more