Maruti Alto 800 Insurance

Securing your Maruti Alto 800 with a suitable car insurance policy is crucial for protecting against financial liabilities due to accidents, theft, or other damages. Car insurance not only provides peace of mind but also ensures compliance with legal requirements, making it an indispensable part of owning and driving your Alto 800.

Maruti Alto 800 Car Insurance Policy: Inclusions

A standard car insurance policy for the Maruti Alto 800 typically includes:

• Damage from Accidents: Coverage for any damages to the Alto 800 due to accidents.
• Third-Party Liability: Protection against legal liabilities arising from injuries, death, or property damage to third parties.
• Theft: Compensation in case of the theft of the Alto 800.
• Natural Disasters: Covers damages caused by natural calamities like floods, earthquakes, etc.
• Man-Made Disasters: Protection against damages due to riots, vandalism, and other man-made events.
• Personal Accident Cover: Financial protection in case of injury or death of the driver while operating the vehicle.

Maruti Alto 800 Car Insurance Policy: Exclusions

The exclusions in a Maruti Alto 800 car insurance policy often include:

• General Wear and Tear: Normal ageing and depreciation of the vehicle.
• Driving Under Influence: Damages occurring under the influence of alcohol or drugs.
• Invalid Driving License: Claims made when the car is driven by someone without a valid driving license.
• Illegal Activities: Use of the car for illegal activities or purposes like racing.
• Mechanical or Electrical Breakdown: Issues not caused by an insurable event.
• War and Nuclear Risks: Damage due to war-like situations or exposure to nuclear materials.

How to Buy Insurance for Maruti Alto 800 From InsuranceDekho

Get the best car insurance plans at InsuranceDekho. All you have to do is follow the below steps:

Step 1: Visit the official website InsuranceDekho

Step 2: In the “Get Your Quote” section, enter your car’s number.

Step 3: Then you have to enter your name and mobile number to get car insurance quotes

Step 4: Select a car insurance quote based on your budget and requirement

Step 5: Once the payment is made for your chosen insurance plan, you will get its policy document via email.

Maruti Suzuki Alto 800 Car Insurance Claim Process

Cashless Car Insurance Process

The cashless car insurance process gets your car repaired free of cost at your insurer’s network garage and makes the insurer to settle your repair expenses. Here is the cashless car insurance claim process for your Alto 800 car:

• Inform your insurance company immediately after an accident or mishap by contacting the customer care team of your insurer or through their website or mobile app, if available.
• Tell the police about the event in detail and lodge an FIR, mainly in case of accident, theft, etc.
• Click some photos of damages sustained by your car, your bodily injuries, etc., after the accident to keep them as valid proof during the claim settlement.
• Take your car to the nearest network garage for cashless repairs. You can contact your insurer to arrange towing facility if your car could not move.
• After your car reaches the garage, your insurer will send a surveyor to assess the extent of damages sustained by your car. Here you will have to show all the relevant documents like car registration certificate, driving license, FIR, etc., to the surveyor.
• The surveyor will prepare and submit a claim report stating the estimate of the claim amount. Based on the documents and surveyor's report, your insurer will approve or reject your claim.
• If the insurance company gives approval, the network garage will start repairing your car. Once the repair is completed, your insurer will settle the repair bills directly with the garage.

Reimbursement Car Insurance Process

With the reimbursement claim process, you will have to pay for the repair bills initially and then your insurer will reimburse it. Here is the reimbursement car insurance claim process for your Alto 800 car:

• Intimate your insurance company about the incident and register your claim.
• Take your insured car to any garage or workshop of your choice to get it repaired.
• The surveyor of your insurance company will visit the garage to access the damages.
• A claim estimate report will be prepared and submitted to your insurance company by the surveyor.
• The garage will start repairing your damaged car and you will have to pay the generated repair bill.
• Submit the original bills of repair issued by the garage and other relevant documents to your insurer with a claim form.
• The insurance company will examine your repair bills and claim form and then will reimburse your repair cost.