Insuring Your New Maruti Suzuki Car: What to Know Before You Buy

Buying a new Maruti Suzuki car is an exciting milestone, whether it’s your first vehicle or an upgrade to a newer model. Alongside choosing the correct variant and colour, it’s equally important to make sure your car is protected from unexpected expenses that can arise from accidents, theft, or natural disasters. This is where Maruti Suzuki car insurance becomes essential. It’s not only a legal requirement under Indian law, but it also provides you with peace of mind, knowing that your prized possession is financially protected.

Before you drive your new car home, here’s a detailed guide on what to know about insuring it, especially if you plan to purchase car insurance online.

Understanding the Basics of Car Insurance

When you buy a new car, you are required to have at least third-party liability insurance as per the Motor Vehicles Act. This protects you against legal liabilities arising from injury, death, or property damage to a third party caused by your car. However, third-party cover doesn’t protect your vehicle, which is why most car owners opt for a comprehensive policy.

A comprehensive policy covers both third-party liabilities and damages to your car due to events like accidents, theft, fire, natural disasters, and even malicious acts. For a new Maruti Suzuki car, a comprehensive policy is highly recommended to ensure you’re fully covered from day one.

Key Coverages for Your New Maruti Suzuki Car

When looking for Maruti Suzuki car insurance, make sure your plan includes:

1. Own Damage Cover – Protects your car from accidental damage caused by events like collisions, fire, theft, floods, storms, and more.
   
   
2. Third-Party Liability Cover – Covers legal liabilities for injury, death, or property damage to others.
   
   
3. Personal Accident Cover – Offers financial support to the owner-driver in case of death or permanent disability caused by an accident.
   
   
4. Optional Add-ons – Enhances your coverage with benefits like zero depreciation cover, roadside assistance, engine protection, and return-to-invoice cover.
   
   

These add-ons can be really useful for a new car, helping you get the most out of your claim without losing value to depreciation. Companies like Bajaj General Insurance offer plans with features such as personal accident cover for passengers, legal liability cover for paid drivers, and full ICU charge coverage, giving your new Maruti Suzuki extra protection right from day one.

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Why Purchase Car Insurance Online for Your Maruti Suzuki?

With the rise of digital services, it’s now easier than ever to purchase car insurance online. You can compare policies, get instant quotes, and make payments within minutes, all from the comfort of your home. Some of the main advantages include:

• Convenience – No need to visit an office; everything can be done digitally.
  
  
• Transparency – You can review all policy features, inclusions, and exclusions before purchasing.
  
  
• Instant Policy Issuance – Get your policy document immediately after payment.
  
  
• Easy Comparisons – Compare coverage options and premiums to choose the best plan for your budget and needs.
  
  

When buying insurance online, always ensure you’re dealing with a trusted insurer with a proven track record of claim settlement and customer service.

Factors That Affect Your Car Insurance Premium

The cost of your Maruti Suzuki car insurance will depend on several factors:

• Insured Declared Value (IDV) – The current market value of your car, which affects the sum insured.
  
  
• Car Variant and Engine Capacity – Higher engine capacity and premium models often have higher premiums.
  
  
• Location – Cars registered in metro cities usually have higher premiums due to increased risk.
  
  
• Add-ons – Extra covers like zero depreciation or engine protection add to the premium but provide better security.
  
  
• No Claim Bonus (NCB) – If you renew your policy without making claims, you can enjoy reduced premiums in future years.

Tips to Choose the Best Car Insurance for Your Maruti Suzuki

1. Assess Your Coverage Needs – Consider your car’s model, usage, and local risks before deciding on add-ons.
   
   
2. Opt for Comprehensive Cover – Critical for new cars to ensure maximum protection.
   
   
3. Compare Premiums and Benefits – Don’t just pick the lowest-priced option; balance cost with coverage quality.
   
   
4. Check the Claim Settlement Ratio – A higher ratio indicates a reliable insurer.
   
   
5. Read the Terms and Conditions – Understand exclusions to avoid surprises during claim settlement.
   
   

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The Claims Process Made Simple

In case of an accident or damage to your car, you can raise a claim by following a few simple steps:

• Contact the insurer immediately through their toll-free number.
  
  
• Submit a completed claim form along with the necessary documents, such as RC, driving licence, and FIR (if applicable).
  
  
• The insurer will arrange a survey of your vehicle to assess the damage.
  
  
• Repairs can be done at network garages for cashless settlement or at other garages with reimbursement.
  
  

Choosing an insurer with a vast network of garages and fast claim settlement ensures you get your car back on the road quickly.

Final Thoughts

Ensuring your new Maruti Suzuki car is not just a legal requirement—it’s a wise financial decision that protects you from unexpected expenses. By opting for a comprehensive plan and considering valuable add-ons, you ensure your car stays protected from the very first drive. And with the option to purchase car insurance online, you can secure your coverage quickly, conveniently, and with complete peace of mind.

*Standard T&C Apply

##All savings are provided by the insurer as per the IRDAI-approved insurance plan.

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.

Vehicle specifications, features, and pricing may vary, and it is essential for readers to verify the latest information from authorised dealerships, manufacturers, or reliable sources before making any purchasing decisions.

Claims are subject to the terms and conditions set forth under the motor insurance policy.