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Car Insurance For Maruti Car

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Maruti Insurance Policy

Reasons to Buy Maruti Suzuki Car Insurance

You've purchased a new Maruti Suzuki car and want to do everything possible to keep it protected against damages/losses. Buying car insurance is one of the measures you can take towards this. A comprehensive car insurance policy offers financial protection to the policyholder if the insured four-wheeler is involved in an unfortunate incident, such as an accident, natural calamity, human-made disaster, theft, and the like. Here are some reasons to buy a Maruti car insurance policy:

Third-party insurance is a legal requirement

According to the Motor Vehicles Act, 1988, car owners must have third-party liability car insurance as a mandate. This type of insurance protects the policyholder against third-party legal liabilities. It acts as a financial shield if the insured vehicle injures a third party or damages their property/vehicle in an accident. In the first scenario, the insurer pays the medical bills of the injured third party. In the second case, the insurance policy covers the cost of repairing the damaged third-party vehicle/property. The insurer also takes care of any legal matters involving the accident.

Coverage against loss or damage to the insured car

Natural calamities such as floods, earthquakes, hailstorms, hurricanes, and the like can severely damage the insured Maruti Suzuki car. Own-damage insurance offers financial protection if your four-wheeler gets damaged because of such unforeseen events. Own-damage insurance also covers the policyholder against damages/losses caused due to human-made disasters (acts of terrorism, riots, vandalism, and strikes, among others), self-ignition, thefts, explosions, fires, inundation, and the like.

Helps you save money in the future

Repair or replacement costs associated with your Maruti Suzuki car because of damages can take a toll on your finances. By investing a small amount in car insurance, you don't have to bear such hefty expenses later. Additionally, the insurance market is full of different products, so it's not much of a hassle to purchase a car insurance policy meeting your needs. A comprehensive car insurance policy offers protection against both third-party and own damages. You can further widen the policy coverage scope by buying add-on covers.

Time-saving

In the aftermath of an accident, you get involved with tedious, time-consuming processes like getting your car repaired and settling the matter with the third party involved. If you have a car insurance policy, the insurer takes responsibility for paying the car repair cost and negotiating with the third party. Many car insurance policies also tow the insured vehicle to the authorised network garage for repair. Reliance provides over 5000 cashless garages. All you have to do is raise a claim for to handle these tasks.

Moreover, you can also have peace of mind with an appropriate car insurance policy since your finances don't have to bear the brunt of the damages/losses caused due to your Maruti Suzuki car getting involved in an unfortunate incident.

Car Insurance Renewal Process​​

Insurers have made it easy for their customers to renew car insurance by making the process available online. Online insurance renewal is convenient and saves time. Additionally, it requires zero to minimal paperwork, doesn't need agent involvement, and helps you get the best deals/discounts. Timely renewal of your insurance policy is crucial to have uninterrupted coverage and benefits. Here's how you can easily renew your Maruti car insurance policy online:

  • Go to the Reliance General home page.
  • Enter your policy number in the box under the Car/Bike Insurance heading. You can find your policy number on the policy document you received from the insurance company.
  • Click on Renew Now and provide all the details asked for on the next page.
  • Review the policy details and your add-ons. Modify the covers if required.
  • Verify whether the premium amount shown is correct.
  • Read through the car and nominee details and if the information is accurate, click on the Pay tab.
  • Make the payment using a debit/credit card or net banking.
  • The insurer will send an e-copy of the policy document to your registered email ID.

    Keep your policy document, registration certificate (RC), RC book, and other such documents on hand while renewing the policy so that you have quick access to the information required. Doing so will help you get through the renewal process smoothly and without any delays. Non-renewal of your car insurance policy within the stipulated period results in a break-in. Moreover, you lose your policy benefits and the No Claim Bonus (NCB) if you don't renew the policy within the 90-day break-in period. Consequently, you must purchase a new motor insurance plan, typically issued after the Maruti Suzuki car clears an inspection and the insurer receives the necessary documents. A valid insurance policy is a must for filing claims.

    Car Insurance Claims Process
  • In the event of an accident or an unfortunate incident that causes damage to your Maruti Suzuki car, you may have to file a claim. You must know how to claim car insurance so that the settlement process is hassle-free. Read the inclusions and exclusions of your policy thoroughly before filing a claim. It will not only make the process easier and less stressful, but you will also be in a better position to claim if you understand what is and is not covered.

    When raising an insurance claim, you can choose between a cashless claim and a reimbursement claim. Let's take a closer look at each of these.

    Cashless claims

    With a cashless claim, you can get the insured car repaired at an insurer-authorised network garage without bearing any expenses, except the depreciation (if you don't have a zero depreciation cover), deductible, and other repair costs the policy doesn't cover. Reliance General directly settles the repair bills with the garage. To file a cashless claim:

  • Step 1
  • Inform the agent about the accident by calling them on their toll-free number, sending them an email or through the Self-i App or the website.

  • Step 2
  • Note down information about the third party involved in the accident, including their vehicle number and contact details. Collect the details of the witnesses involved, if any.

  • Step 3
  • File a First Information Report (FIR) about the accident at the nearest police station. While reporting the incident, provide as many details as possible (the location of the accident, the contact details and vehicle number of the third party, the witnesses, and the like). Make sure you have a copy of the FIR.

  • Step 4
  • You can file the claim either online or offline by submitting a claim form, along with details of the accident and the necessary documents. Visit a branch of the insurer to raise the claim offline.

  • Step 5
  • Shift the car to a network garage yourself for repair or ask the insurance provider to do it for you. The vehicle undergoes a thorough inspection at the garage. After this, the garage provides an estimate of the repair work to the insurer. Upon the insurance company's approval, the repair work begins. The garage sends the repair bills to the insurer, who then evaluates them and makes the payment. You only have to cover the deductible and depreciation.

    Reimbursement claims


    Reimbursement claims let you get the insured Maruti Suzuki car repaired at your preferred garage (even if it's not in the garage network of the insurance company). Pay the repair bills upfront, then send them to the insurance provider. The insurer reimburses you for the repair expenses based on the bills. The reimbursement claim procedure is similar to the one for filing cashless claims:
  • Follow steps 1 to 4 stated above.
  • Get the damaged car repaired at a garage of your choice.
  • Settle the repair bills with the garage.
  • Submit the original repair bills and receipts to the insurer for reimbursement after informing them about the repair work. The insurance company verifies these bills before initiating the reimbursement process.

    Remember to keep the documents required to file a claim in an easily accessible place so that there's no delay in claim settlement.​




  • ​As you can see from the chart above, Reliance General Insurance has a plethora of insurance plans to offer to help you protect your Maruti car. You can use online comparison tools to compare plans based on the factors such as Premium cost, No Claim Bonus, Zero depreciation cover etc.

    If you wish to renew your Maruti Car Insurance online instantly without any paperwork, you have to log on to https://www.reliancegeneral.co.in/Insurance/Home.aspx and enter your policy number. You need to enter all relevant details of your policy on the next page and proceed to payment through Internet banking or debit / credit card. An e-copy of the policy document will be emailed to you on successful payment.​

    ​Follow the steps given below in order to buy a Reliance General Maruti Car Insurance policy:

    Step 1: 
    Log on to https://www.reliancegeneral.co.in/Insurance/Home.aspx and fill up the following details:
    • Car registration number
    • Mobile number
    • Email address
    You may also be required to fill in some additional details such as:
    • Make and Model of your car
    • Age of the Car
    • City where car is registered
    Step 2: 
    As soon as you enter all the required details, you will get a summary of your quote, which will give you the following details:
    • IDV (Insured declared value)
    • Tax details
    • Premium amount
    You can choose to compare various quotes online by selecting the edit option to look for variations and opt for the best one that suits your requirements. If you have already narrowed down your options, simply continue to buying the car insurance:

    Step 3: 
    Further, you also have the option to opt for offers and discounts or you can enter details of previous policy to continue with the existing benefits such as:
    • NCB
    • Add-ons such as zero depreciation and personal accident cover etc
    • Discounts as a result of anti theft device in the car, voluntary deductable etc
    Step 4: 
    Finally, check to see if you have entered all the details correctly and then proceed to payment through Internet banking or through debit / credit card. On successful payment, you will receive your policy document on your registered email ID.

    ​Comprehensive car insurance, also known as package insurance, helps protect your vehicle against damages caused to your car that are not related to a collision, such as theft, vandalism, fire, natural disasters etc.

    While buying Car insurance, you must first think about how much coverage you want for your car. If you are looking for an extensive coverage and protection for your car, you must compare a few policies online to check for the inclusions and exclusions of the policy or talk to your insurance agent about your requirements.

    Comprehensive car insurance covers:
    • Damages caused to the car due to natural and man-made disasters
    • Legal liability from third party
    • Personal accident cover (can include passengers as well)
    • Damages or injuries caused to third party
    • Damages caused to third party property
    Comprehensive car insurance does not cover:
    • Damage due to wear and tear of the car
    • Losses due to depreciation
    • Damages due to electrical or mechanical problems
    • Losses incurred if the driver does not possess a valid license
    • Losses incurred if driving u under the influence of alcohol or drugs
    • Damages caused to the car due to war / nuclear attacks etc.
    Although a Comprehensive coverage is more expensive, it offers you the peace of mind since you know that you car is covered for any unforeseen event. On the other hand, if you think that you can handle the expense of repairing or replacing your car, if it were to be damaged, then it would be wise to drop the idea of buying a comprehensive Maruti car insurance.

    ​Insurance companies offer Add-on plans to cover for events in addition to the third party liability insurance that a regular motor policy offers. Depending on the car you own, the add-on covers vary and offer additional benefits to policyholders, which otherwise would be an out-of-pocket expense at the time of claim.

    Let’s breeze through the various Add-on covers available in the Indian market:
    • Zero Depreciation Add-on Cover: When filing for a claim, a zero depreciation add-on​ cover helps you recover the entire cost of the damages without factoring in the depreciated value of car parts.
    • Engine Protection Add-on Cover: This cover particularly comes in handy for brand-new cars or for cars that have a high-end engine. The engine repairing costs for such cars would be very high and so buying an Engine Protection Add-on Cover is advisable.
    • Return to invoice Add-on Cover: For vehicles up to 3 years old, an Invoice cover can ensure you that in case your car gets stolen, you will be reimbursed with the original invoice amount of your car.
    • No Claim Bonus Protect Add-on Cover: We know that NCB is earned annually by a policyholder for every claim-free year, but what most of us don’t know is that an NCB protect cover can help you preserve your NCB amount even when you make a claim in a particular year. This cover helps you preserve the discount available on subsequent year's premium. 
    • Accident Coverage for passengers: This cover provides a lump-sum compensation to the passengers insured, in case of death or permanent total or partial disabilities suffered during accidents. 
    • Alternative Vehicle Add-on Cover: If your car gets stolen or is under repairs, this add-on cover helps compensate for the costs of hiring an alternate vehicle. The benefits under these covers vary from one insurance company to another and so, you must read your policy documents very carefully.
    • Key replacement Add-on Cover: In case you misplace your keys or if they get stolen, your insurer will compensate you for the cost of replacing your vehicle’s lock and key if you’ve opted for a key replacement add-on cover.
    • Consumable Add-on Cover: This add-on covers expenses incurred by you on the consumable items such as nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil etc in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy.