The Maruti Suzuki Ertiga is a popular and versatile MPV, known for its spaciousness and fuel efficiency. Securing comprehensive insurance for your Ertiga is crucial for financial protection against accidents and unforeseen events.
In this article, we will discuss everything about Maruti Suzuki Ertiga insurance. This includes its variants, premium price, inclusions, exclusions, and add-ons. Also, know how to buy or renew Maruti Ertiga car insurance online.
Benefits of car insurance policy for Maruti Suzuki Ertiga
Here are the benefits of having Maruti Suzuki Ertiga car insurance:
- Financial protection: Car insurance provides financial coverage in case of accidents, damage, or theft. It saves you from bearing the entire cost of repairs or replacement.
- Legal compliance: It is a legal requirement in many countries, including India, to have at least third-party liability insurance.
- Third-party liabilities: Car insurance covers third-party liabilities, including injury or property damage, sparing you from significant financial liabilities.
- Own damage protection: Comprehensive insurance provides coverage for your Ertiga's damage due to accidents, natural disasters, or theft.
- No claim bonus: Safe driving can earn you a no-claim bonus, leading to reduced premiums over time.
- Easy online renewal: Online renewal of your policy is a hassle-free process, ensuring continuous coverage for your car.
Inclusions under Maruti Ertiga car insurance
When you purchase car insurance for your Maruti Ertiga, it is crucial to know the inclusions in your policy. Typical inclusions in Ertiga car insurance are:
- Third-party liability coverage: This is mandatory in India and covers damages and injuries to third parties in case of an accident.
- Own damage coverage: This component covers the cost of repairs to your Ertiga in case of accidents, natural disasters, or theft.
- Personal accident cover: A personal accident insurance provides coverage for injuries to you and any co-passengers in the car during an accident.
- Add-on benefits: Depending on your chosen policy, you may have additional benefits, such as roadside assistance, zero depreciation cover, and more.
Exclusions under Maruti Ertiga car insurance
Typical exclusions in car insurance are:
- Wear and tear: Insurance does not cover regular wear and tear of your Ertiga.
- Mechanical breakdown: Any mechanical issues or breakdowns due to lack of maintenance.
- Driving without a valid licence: If you or anyone driving your Ertiga does not have a valid driver's licence, the insurance may not cover the damages.
- Consequential damages: Damages that result from a specific incident, such as an accident or breakdown.
Add-ons for Maruti Ertiga car insurance
In addition to the standard coverage, you can enhance your Maruti Ertiga insurance with various add-ons or riders. These add-ons provide extra protection and benefits tailored to your specific needs. Some common add-ons include:
- Zero depreciation cover: This add-on ensures that you receive the full claim amount without accounting for depreciation on car parts during repairs.
- Engine protection: It covers damage to the engine, a crucial and often expensive component of your car.
- Roadside assistance: This feature provides timely assistance in case of a breakdown or other roadside emergencies.
- Consumables cover: It includes the cost of consumable items like engine oil, brake oil, and coolant that need replacement during car repairs.
- Return to invoice: In case of total loss or theft, this add-on ensures you receive the original invoice value of your Ertiga.
How to buy/renew Maruti Ertiga car insurance online?
Purchasing or renewing Maruti Ertiga car insurance online is a convenient and straightforward process. Here are the steps to follow:
- Compare policies online: Start by researching different insurance plans for your Ertiga. Compare coverage, premium rates, and add-ons to find the one that suits you best.
- Fill in the online application form: Visit the website of your chosen insurance provider and fill out an online application form for Ertiga car insurance. You will need to provide necessary information about your vehicle and personal details.
- Choose coverage: Select the type of coverage that matches your requirements, whether it is third-party car insurance, comprehensive insurance, or any additional add-ons.
- Documentation: Upload the necessary documents, which may include your vehicle's registration certificate and your driving licence.
- Pay the premium: Pay the insurance premium online using secure payment options provided by the insurance company.
- Issuing the policy: After completing the payment, the insurance provider will issue your insurance policy.
You can buy or renew a car insurance policy at the Bajaj Finance Insurance Mall. The online platform comprises policies offered by top insurance providers with maximum coverage at minimum premiums.
In conclusion, Maruti Ertiga car insurance is essential to protect your car and yourself from any unforeseen events. Choosing the right insurance policy and add-ons can provide you with financial protection in case of accidents, natural calamities, and other unfortunate events.
