Maruti Car Insurance

What Is Covered?

Maruti Suzuki Car Insurance has the following provisions.

1. Third - party Damage: The policy covers any bodily injury/death caused to a third party in an accident involving the policyholder’s vehicle. Any damage to third-party’s car/property caused by the insured car is also covered.
2. Damages to the insured’s vehicle due to man-made damages and natural calamities.
3. Physical damage from accidents/collisions.
4. Personal accident cover for the policyholder in case of death or disability due to an accident.
5. Add-ons: Insurers give you the option of add-on covers to make your car’s financial coverage robust. Though optional, buying add-ons like engine protection cover and zero depreciation or bumper to bumper covers help in financially compensating for specific problems like an engine breakdown when you encounter one.

What Does A Maruti Suzuki Car Insurance Policy Not Cover?

• Electrical or mechanical breakdowns such as an engine breakdown due to faulty spark plugs.
• Deterioration of car spare parts due to normal wear and tear.
• Road mishaps due to driving under the influence of alcohol. Accidents that happen when policyholders do not possess the right documentation like their driving licence/insurance papers/ registration certificate while driving.
• Damage resulting from using the vehicle for illegal activities or outside the geographical limits specified in the policy.

Specific Situations Not Covered:

• Consequential losses (indirect losses resulting from an accident).
• Damage caused during organized racing or speed testing.
• Damages resulting from war, civil commotion, or nuclear incidents.

How to Renew Maruti Car Insurance Policy Online?

Car insurance renewal process for Maruti Suzuki cars is a simple and hassle-free process, especially if it is done online. To continue to enjoy the benefits of car insurance, it is compulsory for all the car owners of Maruti cars to renew their car insurance plans on time without any break. Hence, it is highly recommended to get your car insurance policy renewed before its expiry date to ensure your car getting insured and secured.

How to buy / renew Maruti Suzuki car insurance online at the InsuranceDekho platform?

Step 1: Visit the official website of the InsuranceDekho and click on the ‘Car’ tab.

Step 2: Enter the Registration Number of your Maruti car and click ‘Proceed’. Now, choose your Maruti car’s fuel type and variant to move ahead. If you do not know the registration number of your Maruti car, then you should click on the ‘Don't know your car number?’ option and choose your car’s brand, model, variant, fuel type, registration year, registration city and RTO, to proceed.

Step 3: Enter the date of expiry of your last car insurance plan and the name of your previous car insurance company. Also, share if you have raised any claim during the previous policy year and click on ‘Continue’ to move further.

Step 4: Enter your personal details which include your name, mobile number and the time for which you want your car to be insured under a car insurance policy and click on the ‘Submit and Get Quotes’ button.

Step 5: All available car insurance policy premium quotes from different insurance companies will appear on your screen. Compare and choose the car insurance policy quote that best suits your budget and requirements. At this step, you can also select a few add-on covers of your choice.

Step 6: Click on the ‘Buy Now’ tab and confirm all the details entered by you before making the payment to renew your Maruti car insurance plan. You can make the payment for the car insurance plan by using your debit or credit card, digital wallets and net banking facilities. After the successful completion of the payment process, the car insurance plan will be instantly issued and its policy document will be sent to you at your registered Email ID.

How to renew the Maruti Car insurance online through the Maruti website?

Step 1: Visit the official website of the insurance provider you wish to renew with or visit a reliable insurance comparison website.

Step 2: Navigate to the "Renew Car Insurance" section.

Step 3: Enter your existing policy details and provide the required information about your vehicle and yourself.

Step 4: Review the coverage and premium details.

Step 5: Make any necessary changes or selections for add-ons.

Step 6: Proceed to the payment section and choose your preferred payment method.

Step 7: After successful payment, you'll receive a confirmation along with the renewed policy details.

Car Insurance Cashless Garage Network for Maruti Cars

(*Claim Settlement Ratio For FY 2018-2019 As Per IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th Edition)

Documents Required to Raise Maruti Car Insurance Claim

To raise a claim for your Maruti Car Insurance, typically, you would need the following documents:

1. Claim Form: Duly filled and signed.

2. Police Report/FIR: In case of theft or serious accidents.

3. Driving License: Of the person driving at the time of the accident.

4. Registration Certificate (RC): Of the insured car.

5. Policy Document: Copy of your insurance policy.

6. Repair Bills: If repairs have been done.

Make sure to check with your insurance provider for any additional documents or specific requirements they may have for the claim process.

How to Raise Cashless Car Insurance Claim for Maruti Cars?

Step 1: Contact Your Insurance Provider: In case of an accident or damage to your Maruti car, immediately inform your insurance provider about the incident. This can usually be done through their customer service hotline or online portal. Provide all the necessary details about the incident, including the location and extent of the damage.

Step 2: File a Claim: If the damage is significant and you need repairs, file a claim with your insurance provider. They will guide you through the claim process and provide you with a claim reference number.

Step 3: Claim Intimation: Your insurance provider will guide you through the process of intimating the claim to initiate the cashless repair process. They might require some documents, such as a copy of your driving license, vehicle registration, and the insurance policy itself.

Step 4: Assessment and Survey: After claim intimation, a surveyor appointed by the insurance company will assess the damage to your Maruti car. The surveyor will determine the extent of the damage and estimate the repair costs.

Step 5: Authorisation for Repairs: Once the surveyor's assessment is complete, your insurance provider will provide authorisation to the network garage for repairs. This authorisation allows the garage to start the repair work.

Step 6: Cashless Repairs: Take your Maruti car to one of the authorised network garages associated with your insurance provider. Present the authorisation letter, your vehicle documents, and any other required information to the garage.

Step 7: Repair Process: The authorised garage will conduct the necessary repairs on your Maruti car based on the surveyor's assessment. The repairs will be carried out as per the terms of your insurance policy.

Step 8: Documentation: During the repair process, keep track of all the documentation related to the repairs. This can include repair estimates, bills, and any other relevant paperwork.

Step 9: Approval and Settlement: After the repairs are completed, the authorised garage will seek approval from the insurance company for the work done. The insurance company will review the bills and documentation, and if everything is in order, they will settle the approved amount directly with the garage.

Step 10: Your Contribution: If any deductible or excess is mentioned in your insurance policy, you might need to pay that amount directly to the garage. The insurance company will settle the rest of the repair costs covered by your policy.

Step 11: Collect Your Car: Once the repairs are approved and settled, you can collect your repaired Maruti car from the garage. Ensure that you inspect the repairs and are satisfied with the work before taking possession of the vehicle.

Step 12: Feedback and Closure: Provide feedback to your insurance provider about the claim process and the quality of repairs. This helps them improve their services and maintain customer satisfaction.

By following these steps, you can successfully claim cashless car insurance for your Maruti vehicle, ensuring that any covered damages are repaired conveniently and without upfront payments. Remember to familiarise yourself with your insurance policy's terms and conditions to fully understand the coverage and claim process.