How to Get Instant Car Insurance for Maruti Vehicles in India
Maruti Suzuki is India’s leading brand that manufactures family cars. With a large piece of the Indian car market pie, Maruti Suzuki offers a range of vehicles such as Alto, Swift, Celerio, Ertiga, Eeco, et al. Owning a car comes with great responsibilities, one of which is car insurance. Insurance is not only a good risk carrying vessel but also a legal requirement for four-wheelers on Indian roads. Covering your risk with an insurance policy that gives you comprehensive coverage is recommended. Such a cover would fortify your risks not limiting to third-party liabilities but extending to personal injury covers, natural calamity damage cover, et al.
Getting the right Maruti Insurance can be a little tricky at times. Follow these simple steps to evaluate your policy:
Know Your Vehicles
Premium amount on Car Insurance policy depends, to a larger extent, on the Insured Declared Value (IDV) of the vehicle. A mindful buyer should understand the mechanics of the valuing of the car while getting insurance quotes. It is advised to do not indulge in the practice of undervaluing your car as it can lead to problems in claim amounts. Although, as IDV of a vehicle decreases, decreases the amount of premium, one should avoid the malpractice of lowering IDV.
Decide The Right Policy
A conscientious insurance buyer should select vehicles insurance which is suitable for both her budget and her needs. Nowadays, insurance covers come with a comprehensive cover unlike before when it covered only third party liabilities. An extensive insurance policy would cover your car, over and above third party liabilities, from own damage, injury or death of the driver in an accident, damage from natural or man-made disasters, theft of valuables from the car, roadside assistance, and sometimes, depreciation. A Maruti insurance buyer can also look for long term insurance policies to be free from the hassle of yearly renewal and fluctuating premium amounts.
It is imperative that you compare insurance policies for their premiums charged and the benefits provided. Buying an expensive insurance policy that does not cover more risks is not recommended.
Look for Benefits or Discounts
Discount can be availed for buying an insurance policy online. A car insurance buyer can also look for benefits like No Claim Bonuses (NCB) offered by insurance companies. NCB is a benefit for not claiming the insurance during the term period. Accumulated NCB can be used as a discount on the upcoming premium amounts.
Be Aware of Exclusions
Insurance policies generally do not provide risk coverage on the following:
● If the driver is under the effect of alcohol or any drug, the insurance cannot be claimed.
● If the vehicle is used for any illegal activities, insurance companies can deny the claim.
● In the case of staging a car accident to have unlawful gains, the insurance company can void the claim.
● Insurance policy may not provide cover for an expired policy, mechanical failures, wear and tear of the car, et al.
Maruti Insurance can be purchased from the dealer or an insurance agent. Comparing and buying insurance policy online is a facilitating way to save time and avail discounts. Bharti AXA GI offers fortified car insurance with round the clock assistance.