Home ยป A Comprehensive Guide To Understanding Maruti Car Insurance Coverage

A Comprehensive Guide To Understanding Maruti Car Insurance Coverage

by Angelina

Driving is thrilling but carries inherent risks, from minor incidents to severe accidents. Car insurance is a legal and financial necessity, ensuring peace of mind. Maruti car insurance offers tailored coverage options for your needs. Understanding Maruti car insurance is crucial whether you’re a new or experienced driver.

Car insurance is essential, safeguarding against unexpected events that could lead to significant financial losses, such as accidents and theft.

What Is Covered By The Maruti Car Insurance Policy?

One of the top car makers in India is Maruti, and their insurance plans provide various coverage options to meet the needs of their clients.

  1. Third-Party Liability Insurance: This coverage is required by law and protects a third party from harm or damage brought on by your vehicle. It protects against a third party’s property damage, passing away, or bodily injury-related legal liabilities. Claims are subject to terms and conditions set forth under the motor insurance policy.
  • Comprehensive Coverage: This option provides all-inclusive protection for your vehicle against various damages or losses brought on by natural disasters like floods, earthquakes, landslides, storms, and other weather-related events. Additionally, it may cover losses brought on by man-made catastrophes like riots, strikes, terrorist attacks, and collisions with other vehicles. Claims are subject to terms and conditions set forth under the motor insurance policy.
  1. Personal Accident Cover: In case of an accident-related passing away or disability, the Personal Accident Cover will assist you and your fellow passengers financially and compensate you both. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Add-On Covers Available Under The Maruti Car Insurance Policy

In specific situations, the standard policy might need more coverage. That’s where add-on covers are helpful. These optional extras, available for an extra fee, provide enhanced protection and coverage beyond the base policy. There are various add-on coverage options for Maruti car insurance policies. Add-ons can alter the prices of your insurance policy. You can estimate the cost of your policy using a car insurance calculator. The following categories of add-on coverage are included in Maruti car insurance policies:

  1. Zero Depreciation Cover: This option is advantageous if you have a new car. Without considering depreciation, it fully reimburses the cost of any car parts damaged in an accident. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  2. Engine Protector Cover: This choice shields the engine of your vehicle from harm caused by calamities caused by nature, such as floods or waterlogging, oil leaks, gearbox damage, or engine failure. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  3. 24/7 Spot Assistance: In case of a breakdown or accident, this coverage option offers immediate roadside assistance. It provides battery jump-starts, fuel delivery, help with flat tyres and towing. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  4. No-Claim Bonus (NCB) Protection: With this motor insurance choice, you can keep your NCB even if you file a claim. You can, therefore, keep getting concessions on your insurance premium. Claims are subject to terms and conditions set forth under the motor insurance policy. *
  5. Return To Invoice: In the event of theft or total loss due to an accident, the return to invoice protection reimburses the total invoice value of the vehicle. In other words, the insurance provider may pay you the total invoice value of your car as specified in your policy document if it is stolen or severely damaged beyond repair. This means that you may get your car’s depreciated value at the time of the incident and the full amount you paid for it when you bought it. Claims are subject to terms and conditions set forth under the motor insurance policy.*

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.