Maruti Suzuki's Brezza is one of the most popular compact SUVs on the Indian roads today. The combination of style, power, and affordability makes it a top choice for car buyers. However, it is important to remember that owning a car comes with responsibilities. These include protecting it from unforeseen events like accidents, theft, and damage caused by natural disasters. This is where Maruti Suzuki Brezza car insurance comes into play.
Maruti Suzuki Brezza car insurance
The cost of insuring your Maruti Suzuki Brezza can vary based on several factors. The Brezza insurance cost is influenced by location, driving history, age, and the type of coverage you choose. In India, car insurance is broadly of two types:
- Third-Party liability insurance: This type of insurance is mandatory as per Indian law. It covers damages and injuries caused to a third party in an accident, but it does not cover your vehicle's damages.
- Comprehensive insurance: Comprehensive insurance, on the other hand, provides a more extensive coverage. It includes damages to your vehicle and third-party liability. Also, get additional benefits like theft coverage, personal accident cover, and more.
Benefits of buying Maruti Suzuki Brezza car insurance
Protecting your Maruti Suzuki Brezza with car insurance has several benefits. Not only does it give you peace of mind, but it also ensures financial protection in case of any damage or loss to your car. Here are some benefits of buying Maruti Suzuki Brezza car insurance:
• Comprehensive coverage
It covers your car against damage or loss caused by natural disasters, theft, fire, and accidents. It also includes third-party liability coverage, which is mandatory in India.
• No Claim Bonus (NCB)
If you renew your policy without filing a claim, you can get a discount on the premium called No Claim Bonus (NCB). This discount can range from 20% to 50% and can significantly reduce your insurance cost per year.
• Add-ons
You can enhance your coverage by purchasing add-ons like zero depreciation, engine protection, and roadside assistance. These add-ons provide additional coverage for specific situations and give you peace of mind.
• Cashless claims
With a cashless claim facility, you do not have to pay for the repairs yourself. Your insurance provider will directly settle the bill with the workshop, saving you the hassle of arranging funds.
Factors to consider when buying a Maruti Suzuki Brezza car insurance policy
When purchasing a car insurance policy, consider these essential factors:
- Coverage type: Decide between third-party liability and comprehensive coverage, based on your needs.
- Deductibles: Choose deductibles that suit your budget, as they affect your out-of-pocket expenses in case of a claim.
- Premium costs: Compare quotes from different insurers to find affordable premiums.
- Coverage limits: Ensure that the policy offers adequate coverage for your vehicle and liabilities.
- Add-ons: Evaluate optional add-on coverages like zero depreciation, roadside assistance, and engine protection.
- Insurer's reputation: Research the insurer's reputation for customer service and claim settlement.
- Claim process: Understand the ease and efficiency of the insurer's claim process.
- Discounts: Check for available discounts like no claim bonus and good driver discounts.
- Policy terms: Read and understand the policy terms, including inclusions and exclusions.
Inclusions under Maruti Suzuki Brezza insurance
Before finalising your insurance policy for the Maruti Suzuki Brezza, it is crucial to be aware of the inclusions. Given below are a few:
- Accidental damages: Your insurance policy will cover the repair costs in case of damage to your Brezza due to an accident.
- Theft and vandalism: If your car is stolen or vandalised, your insurance will provide compensation.
- Third-party liability: Third-party damages and injuries, as per law.
- Personal accident cover: In the event of an accident, the insurance policy provides personal accident cover for the driver and passengers.
- Add-ons: Many insurers offer add-on coverages like zero depreciation, engine protection, and more for enhanced protection.
Exclusions under Maruti Suzuki Brezza insurance
Given below are the key exclusions under the Maruti Brezza insurance:
- General wear and tear: Normal wear and tear of the vehicle.
- Driving without a valid license: If the driver does not possess a valid driving license, the insurance claim may be rejected.
- Intoxication: Driving under the influence of alcohol or drugs can lead to claim rejection.
- Illegal activities: If the vehicle is used for illegal purposes, it may void the insurance coverage.
- Non-disclosed modifications: Any undisclosed modifications to the vehicle can result in a claim denial.
How to buy car insurance for your Maruti Suzuki Brezza?
There are various online portals that provide varied car insurance policies. One of these is Bajaj Finance. You can choose from leading insurance providers available at the Bajaj Finance Insurance Mall. The policies provide coverage as per the requirement of individuals and you can buy the one that best suits your needs.
Given below are the steps, using which you can buy a car insurance policy offered through Bajaj Finance:
Step 1: Click here to visit the online application form.
Step 2: Enter the vehicle type, registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
Step 3: Choose the IDV, NCB value, optional add-on covers, and plan type to get a list of relevant car insurance policies. You need to update the expiry date of your current car insurance policy here.
Step 4: Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
Step 5: Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’ to buy car insurance online.
Step 6: Enter the vehicle owner’s name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as per the RC) and previous four-wheeler insurance policy details.
Step 7: Review your previously filled details and make the payment through your preferred online payment mode – Net banking, UPI, credit/debit card to buy the policy.
Also, before purchasing insurance, it is essential to consider the key specifications of your Brezza, such as the engine, transmission, dimensions, fuel efficiency, and ground clearance. This knowledge will help you make an informed decision about the level of coverage you need.
