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Maruti Car Insurance Price & Policy Renewal Online
Maruti Suzuki, ever since its inception, has been an automobile manufacturer, which has noted the highest sales in its vehicles year after year. Owing to the high demand for Maruti cars, the need for Maruti insurance policies is also quite pronounced in the country.
Apart from being mandatory under the Motor Vehicles Act, 1988, availing a Maruti car insurance policy is paramount for every owner owing to a number of reasons.
For example, the legally mandated third-party liability car insurance policy can protect you against any financial liability arising due to accidental damage to a third party caused by your Maruti car.
On the other hand, a comprehensive car insurance policy can safeguard you against the financial liabilities arising due to damages to your vehicle as well.
Thus, getting a Maruti Suzuki car insurance policy not only saves you from being penalised with a traffic fine amounting up to Rs.2000 (Rs.4000 for repeated offence) but also ensures that your financial burden is minimised in case of any accidents involving your car.
What’s Covered in Maruti Car Insurance
What’s not Covered
It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Why should you buy Digit's Maruti Car Insurance?
Car Insurance plans for Maruti Suzuki
| Third-Party | Comprehensive |
Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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Damages/Losses to own car in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your car |
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Doorstep Pick-Up & Drop |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote |
Know more about the difference between comprehensive and third party insurance
More about Maruti Suzuki Cars in India
There are several reasons that contribute to the popularity of Maruti Suzuki vehicles. These are:
- Diversity in Models - As of now, Maruti Suzuki offers 14 car model options to choose from. You can easily take your pick between 8 hatchbacks, 3 SUV/MUVs, 1 sedan and 1 compact sedan and 1 minivan! Among the handful of choices you have, the Alto, Baleno, Swift, Wagon R, as well as, Vitara Brezza are some of the top-selling cars in India in their respective categories.
- Top Performance and Reliability - Whether it is dealing with unsuitable road-conditions or efficiency in holding its cargo, few vehicles can compare to Maruti cars. Since most people in India look for reliable vehicles that can clock kilometres without hassle, their requirements are met by Maruti with élan.
- Affordable - Maruti Suzuki accounts for more than 50% of the total number of vehicles sold in India, owing to the fact that it produces sensible and pocket-friendly cars that suit the budget of India’s general populace.
- Abundance in Spare Parts and Service Network - When it comes to seeking repairs, Maruti car owners have it much easier than others do. This is mostly because most Indian service centres stock up on spare parts and accessories that fit these vehicles, making them easily accessible for owners.
Nonetheless, while Maruti cars score the highest when it comes to durability, an owner is obligated to ensure that their car is protected against unforeseen circumstances that can arise in the future. Thus, availing or renewing a Maruti Suzuki car insurance policy is extremely important before you take your car to the road!
Why Should You Purchase or Renew Your Maruti Car Insurance Policy?
Apart from the fact that having a valid Maruti car insurance policy is mandatory under the Motor Vehicles Act, there are several reasons that necessitate you to avail an insurance policy for your car. For instance,
- Protection Against Damages to Third-Party - The third party liability insurance policy for your Maruti Suzuki vehicle offers financial protection against accidental damages caused by your car to a third-party vehicle, property or individual. Furthermore, any litigation issues arising in due course are also covered by this insurance policy.
- Protection Against Damages to Own Car - Your own Maruti car can be subject to severe damages in an accident or due to any natural or man-made calamities. Under such circumstances, a comprehensive car insurance policy provides coverage for the financial liabilities you might incur. For instance, you can avail financial protection against common damages to your Maruti car due to a fire, or due to instances like a flood, lightning, etc.
- Personal Accident Cover - This cover has been mandated by IRADAI for every car owner since 2019. As its name suggests, it covers the financial liabilities arising due to death or disablement of the Maruti Suzuki car’s owner-driver during an accident.
- Compensation for Theft or Total Destruction of Car - In case your Maruti car is stolen or damaged beyond repair due to an accident, your Maruti insurance policy will compensate your losses. In this case, the compensation will be made in accordance with the current IDV of your Maruti car.
- No Claim Bonus Benefits - When you opt for Maruti car insurance renewal, you can enjoy a No Claim Bonus benefits on your policy premium. Under NCB, for every non-claim year, you can earn attractive discounts on the premium paid towards the own damage component of your car insurance policy. This discount can even amount up to 50% of the own damage premium paid in a span of 5 years, if you have consecutive no-claim years!
To avail such benefits, it is crucial for you to avail a Maruti Suzuki insurance policy. However, to maximise your benefits, it is also important to ensure that you purchase the policy from a reputed insurance provider.
In this respect, Digit can be the most convenient option.
Here’s why!
Why Should You Opt for Digit’s Maruti Insurance Policy?
There are several reasons why you should choose Digit for Maruti Suzuki car insurance renewal or purchase. These include:
- Online Claim Process - With Digit, you can enjoy the Maruti Suzuki online claim process complete with a smartphone-enabled self-inspection process. This helps to do away with the hassle of undergoing physical inspection conducted by the representative from your insurance provider before settling claims.
- IDV Customisation - Our Maruti insurance policy allows you to customise the IDV of your car and helps you to avail a higher compensation in case of the total loss of your vehicle.
- Variety of Add-Ons - With Digit, you can choose from 7 add-on policies to make your insurance better rounded. Few of these add-ons include – zero depreciation cover, engine and gearbox protection cover, consumable over, roadside assistance, return to invoice cover, etc.
- Superior Customer Care Services - Our customer support is available 24x7, even on national holidays, and is present to assist you round the clock.
- Instant Claim Settlements - We offer superfast claim settlements and thereby ensure that you do not have to wait for your compensation.
- Wide Range of Network Garages - We have more than 1400 network garages across India from where you can avail cashless repairs for your Maruti car. During accidents, help is never far away!
- Pick-Up and Drop Facilities - If you seek accidental repair at any of our network garages, we also offer doorstep pick up and drop off facilities for your Maruti car.
With such benefits and more, Digit offers out-and-out protection for your Maruti car!
How can You Reduce Your Maruti Car Insurance Premium?
Looking to reduce the premium paid towards your Maruti’s insurance?
Following are a few ways to do so!
- Choose a Higher Deductible - With your Maruti insurance, you will be required to pay a compulsory deductible as per IRADAI directives. Alongside this, you can choose to pay voluntary deductibles during a claim, by virtue of which you can reduce the premium paid towards the policy.
- Avoid Making Small Claims - If you make claims for small damages, you miss your NCB and consequently do not enjoy any discounts on your premium. Therefore, if your car’s repair is not costing you much, it is better to avoid making claims.
- Compare Premiums - Make sure you conduct proper research and choose the most affordable policy in the market. In this respect, Digit’s Maruti insurance policy (starting at Rs.2702) is cost-effective and offers maximum benefits.
These are, thus, a few ways through which you can lower the premium for your Maruti insurance purchase or renewal.
However, make sure you do not compromise on your policy benefits while seeking lower premiums payable!
Happy driving!
More about Maruti Car Insurance Online in India
How much compulsory deductible do I have to pay against my Maruti car insurance?
Since most Maruti cars have an engine displacement of less than 1500cc, your compulsory deductible will stand at Rs.1000. If it is more than 1500cc, the amount will be Rs.2000.
I already have third party car insurance for my Maruti Alto, will I need to purchase a separate comprehensive policy for my own damage coverage?
No, if you have purchased your Alto car after September 2018, you can opt for a separate Own Damage cover for your car, which offers the benefits of comprehensive policy sans the third party liability part of it.
What does it mean to customise my Maruti car’s IDV?
Typically, during the calculation of IDV, your car’s depreciation is subtracted from its manufacturer’s listed price.
However, you can choose to avail a higher IDV for your Maruti car, in exchange of a higher premium, to ensure that your financial loss if your car is stolen or damaged beyond repair is minimal.
Can I avoid the cost of depreciation of my Maruti car parts during claims?
Yes, with Digit’s zero-depreciation add-on cover, you can avail bumper-to-bumper coverage and avoid the cost of depreciation for your Maruti’s parts.
The third-party insurance policy for my Maruti is expiring next month. Can I opt for an OD cover?
To opt for an OD cover you will need to ensure that you have a valid third party liability insurance policy in place. In this case, it is best to apply for a comprehensive car insurance policy post the expiry of your third party liability insurance to enjoy own damage benefits alongside protection against third party damages under the same policy.