Mercedes Benz Car Insurance

Mercedez-Benz Financial Services offers the Mercedez-Benz Star Protect Insurance program in association with Reliance General Insurance, Tata AIG General Insurance, and ICIC Lombard General Insurance. This insurance policy is exclusive to Mercedez-Benz car owners and offers several benefits specific to the brand.

The Mercedez-Benz Star Protect Insurance Program aims to help Mercedez-Benz car owners cover the cost of repairs should their cars be damaged due to various causes. There are Eight different variants of the Mercedez-Benz Star Protect Insurance Plans that offer different covers for insurance terms ranging between 5 years, 7 years and 8-10 years. The Star Protect Insurance Policy is a collaborative effort involving Reliance General Insurance, TATA AIG General Insurance, and ICICI Lombard General Insurance.

The following covers are included within the Mercedez-Benz insurance policy.

1. EMI Cover: This cover pays the EMI (not exceeding one) falling due after the accident of the vehicle in respect of the Loan availed, provided vehicle is lying in the workshop for repairs following an accident exceeding thirty (30) days due to:
   1. Non-availability of parts at the repairer or
   2. Workshop is closed due to strike/lock-out or
   3. Extensive damage to the vehicle resulted in a man-hour requirement exceeding 30 days and certified by the independent surveyor appointed by the company
2. Vehicle Replacement: Replace Insured Car with new equivalent car of similar make and model, the reimbursement will include: Price of the car in the invoice, cost of registration including Road Tax payable and Insurance cost (Basic OD & TP portion only).
3. Engine protection: Covers the consequential damage to the internal parts of the engine and/or damage to gear box arising out of water ingression/leakage of lubricating oil, due to Accidental means.
4. Tyre & Rim Cover: In case of damage to Tyre(s) and Rim(s) of the car arising out of bulge/puncture/burst/cut, the cost of replacement of Tyre(s) and Rim(s), (Up to 4 Tyres & 4 Rims during a policy period) is covered.
5. Loss of key: The company provides a spare key in the event of loss of key.
6. Zero Depreciation Cover/Depreciation Shield: Covers the depreciation amount on assessed damaged parts allowed for replacement during repairs in the event of a Partial Loss to the Insured Vehicle.

What Is Excluded?

The following are excluded from standard policy terms unless you don’t buy a top-up cover.

Coverage for the cost of consumables required to be replaced/replenished during the repair of the damaged vehicle.

1. It includes engine oil, gearbox oil, power steering oil, coolant, AC gas oil, brake oil, AC refrigerant, battery electrolyte, windshield washer fluid, radiator coolant, nut & bolt, screw, oil filter, fuel filter, bearings, washers, clip, wheel balancing weights, and items of similar nature excluding fuel.
2. Damages to spare parts due to normal wear and tear and depreciation.
3. Problems caused due to mechanical or electrical breakdown.
4. Damages caused by driver’s negligent driving, driving under the influence of alcohol/drugs, driving without valid driver’s licence or car registration and insurance documents.
5. Damage caused due to violation of traffic regulations.
6. Damage due to wars or nuclear risk.
7. Damage to vehicle caused outside the policyholder’s specified geographical location.

How to Renew Mercedes-Benz Car Insurance Policy Online?

To renew your car insurance policy, every policyholder needs to pay the premium for the next policy year before its expiry date to keep the policy active and to continue to avail its benefits. Hence, timely renewal of car insurance policy is quite essential to keep your car insured. Given below are the steps to get your Mercedes-Benz car renewed online:

Step 1: Visit the website of InsuranceDekho and choose the ‘Car’ tab.

Step 2: Enter the registration number of your Mercedes-Benz Car and also choose the variant and fuel type of your car. If you do not know about the registration number of your car, in such a case, select the ‘Don’t know your car number?’ option and select options such as car brand, car model, car fuel type, car variant, and so on, to continue.

Step 3: Enter the name of your last insurance company and your previous car insurance policy’s expiry date. Apart from the above, you are also required to enter your car insurance claim status and in case there are any claims made by you in the last policy tenure. Afterwards, click on ‘Continue’ to move ahead.

Step 4: You are then required to mention your personal information like name, contact number, and the tenure for which you need to insure your car. After entering the details, click on the ‘Submit and Get quotes’ option.

Step 5: Many premium car insurance policy quotes which are offered by various insurance companies will get displayed on your screen. Based on your requirement and budget, you can select the most optimum insurance plan after a thorough comparison of the same. Also, in order to enhance your coverage, you can also opt for a few add-on covers.

Step 6: To initiate the payment process for the renewal of your car insurance plan, click on ‘Buy Now’ link after confirming all the details entered by you. The payment can be done through various gateway channels including debit card, credit card, net banking, etc. Once the payment is made, the car insurance plan will get issued to you instantly and mailed at your registered email ID.

Car Insurance Cashless Garage Network for Mercedez-Benz Cars

Below is a list of the cashless garage network for the insurance companies linked to the Star Protect Car Insurance Plans. The number represents the total garages in the insurer’s network. For garages that accept cashless claims for Mercedez-Benz cars, please visit the Mercedez-Benz official website

Documents Required for Mercedes-Benz Claim Process

Following are the documents required for filing Mercedes-Benz Car Insurance Claim:

• Car Insurance Policy Document
• Claim Form
• Copy of Registration Certificate
• Copy of Driver’s Licence
• Copy of Pollution Under Control Certificate (PUC)
• Copy of FIR
• PAN Card- for claim higher than Rs. 1 Lakh
• Satisfaction Voucher

How to Raise Cashless Car Insurance Claim For Mercedes-Benz Cars?

During the time of an unfortunate incident like an accident or a mishap, a cashless car insurance claim process is very important for policyholders. In order to enjoy the benefits of cashless car insurance, you should immediately inform the insurance company regarding the incident and take your Mercedes-Benz cars for the purpose of repair to a nearby network garage. The cashless car insurance facility lets you get your car repaired at a high-quality garage without needing to pay for it as it would get settled by your respective car insurance company.

A cashless car insurance claim saves you from making any payment for car repair after an accident or a mishap. The cashless claim option requires lesser formalities and no paperwork, which you are required to face during the reimbursement claim process. Moreover, a surveyor is sent by the insurer to investigate the damage caused to your car which brings transparency to the entire process. Some of the best garages are authorized by the insurance company which allows you to get your Mercedes-Benz car repaired at the best repair services without paying anything.

You can follow these steps to file a claim for your Mercedes-Benz car:

Step 1: In case of theft, a road accident or vandalism file an FIR at the nearest police station. A copy of the FIR will be required for the claim process. In case of a natural or man-made calamity, try to take pictures or a video of the car, clearly showing the damage if possible.

Step 2: Inform the insurance provider as soon as possible. Tell them about the situation and make sure to confirm the list of documents you are required to submit. The basic list of documents is mentioned above.

Step 3: Submit the required documents along with the claim form duly filled.

Step 4: If your car needs repairs the insurance provider will send a surveyor to assess the damage of the vehicle. After they check the car a report will be filed and the claim will go through a verification process.

Step 5: If the claim is approved you can take your car to a network garage and get the necessary repairs done. After this is completed, sign the satisfaction voucher and the insurance provider will settle the bill in a cashless manner. If however, you choose to go to a non-network garage you will have to pay for the repairs and the insurance company will reimburse the cost later, taking into account the IDV of the car.

If your car was stolen or it was a case of a total loss, the car insurance company will reimburse the IDV of the car after you hand in the keys, documents and any other items related to the car.