Beyond Basics A Comprehensive Guide to Maruti Insurance Add-on Covers for Your Car

Discover the power of Maruti insurance add-ons! Tailor your coverage, eliminate worries, and drive with confidence. Explore now!

When it comes to safeguarding your Maruti car, it's not just about basic coverage; it's about going beyond the basics. Maruti insurance add-ons are the secret ingredients that elevate your policy, providing tailored protection that aligns with your needs and budget. In this guide, we'll delve into the intricacies of various add-ons, demystifying their benefits and helping you make informed decisions.

Understanding the Need for Maruti Insurance Add-ons

Car insurance is necessary, but a one-size-fits-all policy might not cover all the unique aspects of your Maruti. The diverse needs arising from differences in make and model, location, vehicle age, and driving style call for a more tailored approach. Maruti Insurance add-ons allow you to curate a bespoke policy that aligns with your specific requirements and risk profile.

Vehicle insurance is a mandatory requirement as per The Motor Vehicles Act, of 1988. Non-compliance can lead to monetary penalties and legal issues. Thus, make sure to buy vehicle insurance and keep the policy active by renewing it before its expiry date.

Maruti Insurance Add-on Covers: Tailoring Protection to Your Car

In times of necessity, add-ons offer valuable assistance by providing extra services, such as Roadside Assistance or financial aid based on the coverage. Here's a compilation of common add-ons accessible with a comprehensive Maruti insurance policy.

Zero Depreciation Cover:

What is it? Over time, car parts experience wear and tear, leading to a decrease in the car's value, known as depreciation. A zero-depreciation add-on cover ensures that you can bypass the impact of depreciation during claim settlements, allowing you to receive a higher payout.

Who should buy this? Ideal for new drivers, luxury car owners, or those residing in accident-prone areas, this cover provides financial relief by eliminating depreciation cutbacks.

No Claim Bonus (NCB) Protection Cover:

What is it? Safe driving should be rewarded, and NCB does just that by offering renewal discounts for claim-free years. The NCB Protection add-on ensures that even if a claim is raised during the policy period, you retain your NCB discount during renewal.

Who should buy this? For those anticipating potential claims or seeking to maintain their premium discounts, this cover safeguards your NCB and keeps your renewal costs low.

Consumables Cover:

What is it? Regular wear and tear items like lubricants, filters, and nuts are often overlooked in standard policies. With Consumables Cover, these costs are included, saving you from unexpected expenses during repairs.

Why should you buy this? Built into most plans, this cover ensures you don't worry about replacing consumable items during car repairs, offering peace of mind at no extra cost.

Roadside Assistance Cover:

What is it? Breakdowns can happen unexpectedly, especially in older cars. Roadside Assistance ensures you're covered with emergency services like flat tire assistance, on-spot repairs, and towing.

Who should buy this? Perfect for those who want to avoid the stress of being stranded, especially on highways or with older vehicles susceptible to mechanical issues.

Outstation Emergency Cover:

What is it? Long drives come with their own set of risks. This add-on provides emergency services if your vehicle breaks down more than 100 km away from your residence.

Why should you buy this? Ideal for road trip enthusiasts, this cover ensures you remain stress-free and reimburses costs for extended stays in case of prolonged repairs.

Key Replacement Cover:

What is it? With advanced car key technologies, replacements can be expensive. This cover helps you save on costs related to replacing lost, stolen, or damaged keys, including lock replacements.

Who should buy this? Highly recommended for luxury car owners, this cover ensures you don't bear the hefty costs of replacing high-tech car keys.

Return to Invoice Cover:

What is it? In case of theft or total loss, the Return to Invoice cover bridges the gap between the Insured Declared Value (IDV) and the actual invoice value of your car, ensuring a higher claim amount.

Why should you buy this? Essential for those living in high-theft areas or with new cars, this cover guarantees you receive the actual invoice value, minimising financial losses.

Engine Protection Cover:

What is it? The heart of your car deserves special protection. This cover safeguards against damage to the engine's internal parts, including those caused by floods or prolonged disuse.

Who should buy this? Vital for new car owners or those residing in flood-prone regions, this cover ensures financial support for engine repairs or replacements.

Personal Accident Cover:

What is it? Additional coverage for the owner-driver and personal accident cover compensates for disabilities or demise due to accidents, offering comprehensive protection beyond standard policies.

Why should you buy this? Mandatory by law and essential for every car owner, this cover ensures coverage of up to Rs 15 lakh and support in case of injuries or fatalities.

Note: Add-ons will vary depending on your insurance policy

Things to Remember While Selecting Insurance Add-ons

Be Wise with Add-ons: Choose add-ons wisely based on your needs to avoid unnecessary costs.

Understand Inclusions and Exclusions: Familiarise yourself with policy terms to prevent unpleasant surprises during claim settlements.

Available Only with Comprehensive Car Insurance Policy: Insurance add-ons are available exclusively with comprehensive car insurance policies.

Note: Refer to your policy document for an exhaustive list of exclusions.

Summing Up

Maruti insurance add-on covers are designed to provide a personalised and comprehensive protection plan for your car. From addressing specific risks to enhancing claim settlement amounts, these covers ensure you stay worry-free on the road. Don't miss out on the opportunity to fortify your insurance policy with these essential add-ons.

Remember, each choice you make adds an extra layer of protection to your vehicle, ensuring you can enjoy the ride with confidence. Stay informed, stay safe, and drive worry-free with insurance add-ons.

Visit ACKO to kick-start your journey towards comprehensive protection for your Maruti car today!

Frequently Asked Questions (FAQs)

Q. What does zero DEP insurance mean in Maruti Suzuki car insurance?

A. Zero DEP insurance in Maruti Suzuki car insurance eliminates depreciation costs on car components during claim settlements.

Q. How can I buy Maruti car insurance online?

A. To buy a Maruti car insurance online, simply visit ACKO's website or download the app, enter your car details, select the plan and the add-ons, and make the payment online.

Q. What documents are necessary when purchasing car insurance from ACKO?

A. No physical copies are needed if you buy a car insurance policy from ACKO. Simply provide details like the car's registration number, claim history (if any), etc.

Q. Where can I see my policy document?

A. As soon as you make the payment for the policy, you will receive the policy document in your registered email ID.

(Disclaimer: The above press release comes to you under an arrangement with PNN and PTI takes no editorial responsibility for the same.). PTI PWR
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(This story has not been edited by THE WEEK and is auto-generated from PTI)