Maruti Car Insurance

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Maruti is one of the leading and well-known manufacturers of different types of cars. In the year 2000-01, considering the great need for enhanced vehicle repair services for their clients, the company decided to get into the insurance business and offer unique car insurance services. 

The insurance company offers the best car insurance services and allows its customers to get quality repairs without any hassle. In this post, we will take you through the types of insurance plans the company offers, followed by the reasons why you must buy a car insurance policy from Maruti Car Insurance Company.

Here, we will also help you learn the process of buying a Maruti Car Insurance Policy with their inclusions, exclusions, add-ons and the documents required.

Maruti Car Insurance Premium in the UAE

Maruti Car Insurance offers attractive insurance rates for the policyholders based on their choice of an insurance plan. With Maruti Insurance Policies, the policyholders can get their expenses covered without any hassle. 

The insurance premium amount depends upon the amount of sum assured and the types of add-ons the policyholder has chosen. Here is how the company calculates the sum assured for their customers.

For Own Damages

The sum assured for the policyholder’s own damages is calculated based on the Insured Declared Value of the car. The insurance company assigns this value to a vehicle by taking into consideration different things such as the age of the vehicle, present value as per the manufacturer and depreciation percentage. With some specific car insurance plans, the insurer may include the accessories to get the final Insured Declared Value.

For Third-Party Liability

As per UAE law, every car owner must buy a third-party liability insurance policy. With such coverage, the policyholders get protection against damages or bodily injuries caused to third parties or their belongings in the event of an accident. Maruti Car Insurance also offers a Personal Accident cover to help policyholders deal with accidental disability or death due to an accident.

Types of Maruti Car Insurance Policies

Maruti Car Insurance offers two types of car insurance policies – Comprehensive Car Insurance and Third-Party Car Insurance.

Comprehensive Car Insurance

With a comprehensive car insurance policy, Maruti Car Insurance Company offers coverage against loss or damage caused to the insured vehicle due to an accident, fire, theft or natural disaster. In addition, it also covers loss or damage caused to a third-party vehicle in the event of an accident caused by the insured vehicle.

Third-Party Car Insurance

With a third-party car insurance policy, the insurance company covers loss or damage caused to a third-party vehicle due to an accident caused by the insured vehicle. In addition, it also covers expenses for bodily injuries caused to the passengers travelling in the third-party vehicle. However, the insurance company does not pay for any loss or damage caused to the insured vehicle with this type of insurance policy.

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Major Reasons to Buy a Maruti Car Insurance Policy

Here are a few reasons why you must buy an insurance policy from Maruti Car Insurance Company.

Lower Insurance Rates 

Maruti Car Insurance offers attractive and budget-friendly insurance rates with various useful add-on covers and other benefits for the policyholders. 

Cashless Benefits

Maruti Car Insurance offers a wide range of cashless benefits for policyholders. If they are using a network garage for their vehicle repair, they can get the claim settlement done with great ease. Additionally, with cashless benefits, the insurance company enables policyholders to get quality service and have their vehicles repaired in no time. 

Full-time Available Services

Maruti Car Insurance offers round-the-clock car repair services for policyholders. In fact, the insurance company also helps the policyholders with pick up and drop services for convenient repair procedures. 

Useful Add-on Covers

Maruti Car Insurance offers useful add-on covers such as Repairing Assistance, Refilling, Vehicle Towing Assistance and much more for the policyholders. With these add-ons, the policyholders can get the best out of their car insurance policies as and when required.

Full-time Assistance

Maruti Car Insurance provides a dedicated customer helpline for the policyholders. They can contact the helpline anytime to register hassle-free claims or find answers to their queries.

Good Claim Settlement Ratio

Maruti Car Insurance offers an easy and quick claim registration process for policyholders. They can simply call the helpline number, provide their details and supporting documents and register their claims in no time. The insurance company has a good claim settlement ratio that reflects its financial stability and helps its customers make an informed financial decision. 

Easy Policy Renewal Process

Maruti Car Insurance Company offers an easy policy renewal process for the policyholders. All they need to do is visit the aggregator’s online portal and renew their policy by providing some basic details like policy number, policyholder’s name, etc. 

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Maruti Car Insurance Inclusions

Here is the list of Maruti Car Insurance inclusions.

Agency Repairs

Maruti Car Insurance offers agency repairs for the policyholders to help them get their vehicles repaired at the manufacturer’s agencies. The service can be used for vehicles that are not more than three years old.

Emergency Medical Expenses

Maruti Car Insurance covers emergency medical expenses of the policyholder and people travelling in a third-party vehicle that met with an accident caused by the insured vehicle.

Natural Disaster

Maruti Car Insurance offers coverage against loss or damage caused to the insured vehicle due to natural disasters like storms, hurricanes, earthquakes, floods or other convulsions of nature.

Fire & Explosion

Maruti Car Insurance offers coverage against loss or damage caused to the insured vehicle due to fire, explosion, lightning, self-ignition or theft.

Personal Accident

Maruti Car Insurance offers coverage against loss, damage or bodily injury caused to the policyholder and passengers travelling in a third-party vehicle in the event of an accident.

Third-Party Liability

Maruti Car Insurance offers coverage against third-party property loss or damage caused due to an accident made by the insured vehicle. This cover also includes the disability, bodily injuries or death of a third party in the event of an accident.

Riots or Strikes

Maruti Car Insurance offers coverage against loss or damage caused due to riots, terrorism, strikes or any other malicious activity.

Legal Liability

Maruti Car Insurance offers cover against legal expenses that the immediate family members of the policyholder need to deal with in the event of an accident.

Vehicle Replacement

Maruti Car Insurance offers vehicle replacement benefits for the policyholders. With this service, the policyholders can claim the sum assured based on the percentage of loss or damage of the vehicle they have suffered due to accident, fire, natural calamities or man-made disasters.

Roadside Assistance

Maruti Car Insurance offers roadside assistance to help policyholders deal with situations like car breakdown, empty fuel tank, vehicle towing and much more.

Maruti Car Insurance Add-On Covers

Here are a few primary add-ons that the Maruti Car Insurance Company offers the policyholders.

Refilling

Maruti Car Insurance offers an add-on cover for fuel refilling service. In case the policyholder’s car tank goes empty and there is no petrol pump nearby, they can ask for complete assistance from their insurer. All they need to do is pay for the cost of fuel.

Vehicle Towing Assistance

Maruti Car Insurance offers a towing vehicle service for the policyholders to help them tow their vehicle to the nearest network garage in case it meets with an accident. The add-on covers only the car towing expenses and it has nothing to do with car repair expenses.

On-Site Repair Assistance

Maruti Car Insurance offers an add-on for on-site repairing services in case the policyholder’s vehicle breaks down in the middle of the road. Sometimes the expenses for towing the vehicle to the nearest garage are also included in this add-on cover. 

Removal or Extraction of Vehicle

Maruti Car Insurance offers vehicle removal services to policyholders by extracting their vehicle from the area where the accident took place with the help of a crane.

Car Unlocking Support

Maruti Car Insurance offers immediate roadside assistance for the policyholders to help them unlock the car if they have left their keys inside the car. 

Agency Repairs

Maruti Car Insurance offers an agency repair add-on to help policyholders easily get their vehicle repaired at the agency in the event of damage. With this add-on, your vehicle gets repaired at the company’s agency. On the other hand, if you do not have this add-on, your vehicle will be repaired at regular registered workshops.

Dead Battery

Maruti Car Insurance offers a dead battery add-on cover for the policyholders. This helps them get immediate roadside assistance in case their car’s battery runs down in the middle of their journey. With this service, your insurer helps you jump-start the engine and easily take your car to the nearest available network garage.

Emergency Transportation Assistance

Maruti Car Insurance offers emergency transportation assistance to help policyholders drive back home from the agency or garage where they have given their vehicle for repair in the event of an accident or damage.

Flat Tyres Assistance

Maruti Car Insurance offers roadside assistance to help policyholders in case their car tyre goes flat while driving. The insurer allows policyholders to remove and replace the car tyres if such an event occurs in the middle of the road. However, the offer doesn’t apply if the vehicle tyres go flat at the policyholder’s residence or anywhere else. With this add-on, the policyholder needs to pay for the labour charges.

Maruti Car Insurance Exclusions

Here is the list of Maruti Car Insurance exclusions.

Illegal Driving

Maruti Car Insurance does not cover loss or damage caused due to illegal driving. The insurance company doesn’t pay for the accidents where drivers don’t have a valid driving license or are under the influence of alcohol or drugs.

Electrical or Mechanical Breakdown

Maruti Car Insurance doesn’t cover loss or damage caused due to a mechanical or electrical breakdown.

Non-Accidental Damage of Car Tyres

Maruti Car Insurance doesn’t cover damages caused to the car tyres other than an event from an accident.

Usage outside the Geographic Limit

Maruti Car Insurance doesn’t cover the accidents caused outside the geographic limit as mentioned in the insurance policy.

Depreciation

Maruti Car Insurance doesn’t cover the depreciation caused to the value of the insured vehicle.

How to Buy a Maruti Car Insurance Policy Online?

Here are a few simple steps you can follow to buy a Maruti Car Insurance policy.

Visit the Website

First, you need to visit one of the aggregators’ websites that offer Maruti Car Insurance policies, such as policybazaar.ae. You can visit our website or contact our support team anytime to buy a Maruti Car Insurance Policy. 

Provide the Details

Next, you need to provide all the essential documents with your vehicle details, such as the registration year, fuel type, model number, etc. to get an estimated insurance premium amount.

Choose the Type of Coverage

You can choose the type of insurance coverage you need based on your preferences in the next window. As you already know that you have two options - Comprehensive and Third-Party Insurance coverage. Make sure you learn about both the insurance coverage types and choose the one that caters to your needs.

Calculate the Premium Amount

Now that you know the type of insurance coverage you need, you can go ahead and calculate the premium amount. You can also use insurance premium calculators available online to find an estimated amount. There are various factors such as the age of the vehicle, age of the driver, location and other things that affect the car insurance premium amount.  

Pay the Premium

Finally, you need to pay the premium amount and complete the purchase. You can pay the insurance premium amount using various payment modes, including credit cards, debit cards, secure wallets, etc.

How to Renew a Maruti Car Insurance Policy?

There are two ways you can renew your Maruti Car Insurance policy. 

On the Insurer’s Website

Here are the simple steps to follow when renewing your Maruti Car Insurance Policy on the insurer’s website.

  • Go to the Website: Visit the official website of Maruti Car Insurance Company and go to the policy renewal section.
  • Provide Your Details: Next, provide your insurance policy number or car registration number to fetch your car insurance details. 
  • Review Add-Ons: As soon as you get your insurance policy details, make sure you review all the add-ons that you opted for while purchasing the policy. On this page, you can also opt for new add-ons based on your requirements.
  • Pay the Premium: Once you are all set with what you need from your policy, pay the premium to complete the policy renewal process. 
  • Check the Policy Status: Once done, take some time and check the status of your insurance policy to find out if it has been renewed successfully.

With Us

Here are the simple steps to follow when renewing the insurance policy by contacting our website.

  • Visit the Website: First, you need to visit our website to start the Maruti Car Insurance Policy renewal process. 
  • Go to Renewal Tab: Go to the Menu bar and select the Renewal tab to check the available options for Maruti Car Insurance Policy renewal.
  • Provide Your Details: On the next window, enter your policy number or car registration number to find your policy details.
  • Verify the Add-Ons: Next, make sure you check all the add-ons you opted for while purchasing the insurance policy. On this page, you can also add your desired add-ons and then continue with the policy renewal.
  • Renew Your Policy: Once done, pay the insurance premium to complete the Maruti Car Insurance policy renewal process. Make sure you check the premium amount to find out if a no-claims bonus has been applied in case if you have not reported any claim in the previous year.

How to Claim a Maruti Car Insurance Policy?

Maruti car Insurance Company offers a huge network of garages to help policyholders get their vehicles repaired with great ease. When you choose a network garage, you can file a cashless claim, and Maruti Car Insurance Company directly pays the garage for the repair expenses. 

Cashless Claims

Here are a few simple steps to follow when reporting a cashless Maruti Car Insurance Claim.

  • Report the Claim: To register the claim, you must contact your insurance company to report the accident and the kinds of damages it caused. Make sure you also contact the police and report the accident to them as well. The police report for the accident is one of the essential documents that you need to submit to get the claim approved. 
  • Visit the Garage: After you report the claim, the insurance company representative will create a request for the same and provide you with one of the network garage details where you need to get your vehicle repaired. 
  • Get the Estimation Report: Once you have the garage name and location, you need to take your vehicle there and get an estimated repair bill generated. You need to submit this estimated bill with all the other documents.
  • Submit the Required Documents: With the estimation report, there are various other documents that you need to provide in order to get a quick and easy claim approval. The essential documents include the police accident report, policy registration documents, car registration documents, etc. as required by the insurance company.
  • Collect Your Car: Once your claim gets approved, your insurance company will pay your repair bills. As soon as you get the confirmation for the same, you can go to the garage and collect your vehicle. Make sure you take a test drive to ensure that your vehicle is working fine. 

Documents Required for Maruti Car Insurance Claims

Here are the documents required to claim a Maruti Car Insurance policy.

  • Car insurance policy registration documents
  • Car Insurance Claim Form
  • Maruti car registration documents
  • Detailed bill payment receipts
  • Driving license of the car’s owner or the person driving the car at the time of the accident
  • Estimated repair bill of the vehicle
  • An accident or FIR report created by Police
Q1. Are Maruti cars expensive to insure?

Ans. Maruti car insurance offers cheaper insurance rates for insurance policies loaded with various useful benefits and features in comparison to other insurance companies. 

Q2.How is Maruti car insurance price calculated?

Ans. Maruti Car Insurance premium is calculated based on the following factors. 

  • Insured Declared Value of the vehicle
  • Model number and variant of the car
  • Age of the car
  • Prices of selected add-on covers
  • Type of insurance coverage selected
  • Claim history of the vehicle
Q3.What does my Maruti car insurance cover?

Ans. Maruti Car Insurance covers the expenses incurred from loss or damage caused to your vehicle due to an accident or natural disasters like flood, earthquake, hailstorm, windstorm, etc.

Q4.From where can I purchase insurance for my Maruti car?

Ans. You can simply call our helpline number or visit our website to buy a Maruti Car Insurance policy.