A Complete Guide To Buy, Renew and Claim Maruti Insurance

Out of the different automobile companies available today, Maruti is one of the most preferred and trusted companiesThey have launched various models like the Esteem, the Omni, the Alto, the Swift Dzire, the Wagon-R and many moreThese models were designed to help customers travel comfortably and safelyThe company ensures that all the vehicles are built for the Indian road conditions and weather.

However, the roads are unpredictable, and you never know what the future holds for your carTherefore, if you own a Maruti vehicle, you must get Maruti insurance for its protection.

How To Buy Maruti Car Insurance?

If you wish to purchase the most optimal car insurance for your Maruti car, you must follow the steps given below:

1. Identify your requirements: You must identify your insurance requirements before going ahead with the purchaseOnce you have identified your requirements, you will be able to make an informed decision.
2. Select a suitable insurer: There are several insurers in the marketYou must look through the different insurers available and select one that you deem suitable.
3. Compare different plans: You must look through the different car insurance plans available for you and compare themOnce you compare them, you will be able to get suitable coverage at an affordable cost.
4. Payment: Once you have finalised the plan, you must go ahead with the purchaseYou can purchase through different methods, such as net banking, UPI, NEFT/RTGS, etcYou will get the policy document after the paymentYou must read the policy document to check whether policy details are okay.

Once you have bought the 4 wheeler insurance policy, you must keep the plan activeHolding the plan active will ensure your vehicle stays protectedTo ensure your plan stays active, you must renew the plan on time.

How To Renew Maruti Car Insurance?

It doesn’t matter if you’ve purchased car insurance in Mumbai, Ahmedabad, Delhi or any other cityYou can carry out the renewal for your Maruti car insurance in a matter of minutes from any corner of the world through your insurer’s websiteGiven below are the steps you can consider to renew your Maruti car insurance policy online:

1. Select an insurer: There’s no compulsion to continue with an insurer if you had purchased a policy with them previouslyYou get the flexibility to select a different insurance company while renewing your car insuranceYou must review your previous car insurance policyIt will help you understand your requirementsOnce you clearly understand your requirements, you can begin searching for an insurer and an insurance plan that offers you the coverage you need.
2. Provide the necessary details: You will need to provide different details like your car’s make and model type, claims history and your location on your preferred insurer’s websiteIf you haven’t moved to a new insurer, you will not have to provide these details.
3. Select the insurance plan: You must choose the insurance policy that you wish to purchaseThe renewal period is an optimal time to adjust your plan based on your requirementsThen, you can look through the different add-ons you wish to include in your planHowever, you must be careful as including the add-ons in the plan can lead to a hike in the premium amountMoreover, you must ensure that you provide the information about the No-Claim Bonus discount if you are eligible for it.
4. Make the payment: Once you have finalised the plan, you must go ahead with the purchaseThe benefit of choosing an online insurance renewal process is that you get the freedom to select from different payment methods like Debit Card, Credit Card, Online Wallets, UPIs, etc.
5. Read through the policy document: You will get the document in your inbox document once you have made the paymentYou must read through the document once you have received it.

While purchasing and renewing the plan on time will help you protect your vehicleHowever, it is equally important to learn about the claim process of car insuranceWhen you have a clear idea about the claim process, you will be able to get the insurance coverage you need if your four-wheeler is damaged or stolen.

How To Claim Maruti Car Insurance?

If you’ve decided to file an insurance claim for your Maruti insurance, you can do so in two different ways, cashless or reimbursement claims.

Cashless car insurance claim: A cashless claim process is a car insurance claim that you will need if you’ve taken your car to a network garageWith a cashless claim, your insurance company will take care of the damage repair billsHere are the steps you will need to follow for a cashless car insurance claim:

1. You must contact your car insurance company about the car accident.
2. Your insurer will send a surveyor to analyse the damages to the car.
3. The surveyor will build an assessment report of the damages.
4. The claim amount will be approved, and your car will be sent to a network garage for settling the claim.

Reimbursement car insurance claim: A reimbursement claim is a process through which your insurance company will reimburse you for the damage repairs if you get the car fixed at a non-network garage.

1. You must inform the car insurance company about the car accident.
2. Your insurer will send the surveyor for analysing the damages to the car accident.
3. After analysing, the surveyor will build an assessment report of the damages.
4. You will have to submit specific documents like the FIR, accident and third-party damage, RC copy, driving license and a filled claim form.
5. Once you have followed the steps and provided the documents, you will get the reimbursement of the damage repair costs.

Conclusion

You can purchase and renew the car insurance policy for your Maruti car following a few simple stepsIt will help you ensure your prized possession is financially protected during unpredictable eventsHowever, it is important that you also learn about the Maruti insurance policy claim process, as it will help you protect yourself during accidents or thefts.