Maruti Ertiga Insurance

The car insurance policy that is best suited for your car depends on your requirements. However, a good way to find the right policy and insurance provider is to compare different car insurance companies, the quotes they offer and their network of cashless garages. The claim settlement ratio of the insurance provider is also a good way to decide on which one to select. Here are some of the insurance providers with the highest claim settlement ratio:

• Acko Car Insurance
• Bajaj Allianz Car Insurance
• Bharti AXA Car Insurance
• Chola MS Car Insurance
• IFFCO Tokio Car Insurance

The car insurance policy you have purchased must be either a standalone own-damage cover or comprehensive cover. However, in case the damage occurred due to some form of illegal driving the insurance provider will not compensate for the cost of the damage.

Yes, your second-hand Ertiga and every other car driving on Indian roads are all required to have at least a third party insurance policy. The policy covers third party liabilities including bodily injuries, death and property damage. The punishment for being caught without it is a fine of Rs. 2,000 and/or imprisonment for up to 3 months.

The insurance premium amount of a car is dependent on a number of factors but most prominently the Insured Declared Value of the car. The IDV is the maximum compensation the insurance company will pay the policyholder and is affected by the depreciation rate of the car.

In case of a mishap, such as a road accident, vandalism or theft first file an FIR at the nearest police station. Inform the insurance provider about the situation as soon as possible and confirm the list of documents you need to provide. Submit the claim form duly filled along with the required documents. If the car is damaged and needs to be repaired the insurance provider will first send a surveyor. They will check the damage of the car, draw up a report after which your claim will go through a verification process before it can be approved. Once approved you can take it to the garage to be repaired.