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Car insurance is a must for every vehicle owner in India, and iconic models like the Maruti Esteem deserve proper protection. With comprehensive coverage, you can safeguard your car against accidents, theft, and other unforeseen damages. Whether you are renewing or purchasing a new policy, understanding the available options ensures your Maruti Esteem remains well-protected. Read on to learn more about Maruti Esteem car insurance.
Having proper coverage in your Maruti Esteem car insurance will financially protect you against sudden losses in the event of collisions and other scenarios. Here are some other benefits of Maruti Esteem car insurance.
A third-party car insurance is mandatory for all vehicle owners in India. Having car insurance with third-party cover or more will allow you to drive legally in India.
Your insurer compensates you in the event of monetary losses resulting from damages and injuries, thereby providing financial stability.
A comprehensive car insurance policy compensates you if your car is stolen or purposefully damaged by someone.
A comprehensive car insurance policy covers you in case of unforeseen situations, such as floods, landslides, or earthquakes, that cause damage to your car.
A personal Accident cover is a mandatory add-on that offers financial compensation in case you pick up a physical injury in an accident.
The own-damage cover in car insurance compensates you in case of damage to your car due to various reasons.
Let us discuss the types of Maruti Esteem car insurance policies available in India.
Third-party insurance protects you against injuries to other people or damage to their property. It is more affordable than comprehensive policies since it does not cover any damage to your Maruti Esteem.
Comprehensive cover in Maruti Esteem car insurance protects against both third-party liabilities and damages to your own vehicle. It ensures financial security from a wide range of risks, including accidents, fire, theft, natural disasters, and other unforeseen events, keeping you safeguarded in both controllable and uncontrollable situations.
Moreover, you can purchase add-on coverages in addition to a comprehensive plan to enhance your coverage and increase your protection.
The table below highlights the key differences between the available policies for the Maruti Esteem car insurance.
| Features | Third-party Cover | Comprehensive Cover |
| Legal Requirement | A third-party cover is mandatory under the Motor Vehicles Act of 1988. | Own-damage cover is optional. However, it is recommended. |
| Coverage | Covers third-party injuries and property damage. | Covers own vehicle damages and third-party liabilities. |
| Premium Cost | Lower, due to less coverage. | Higher due to higher coverage. |
| Losses from natural and Man-Made Disasters | Not Covered | Covered and compensated as per IDV. |
| Add-ons | Not Applicable | Applicable (Eg, personal Accident Cover, Zero Depreciation Cover) |
| No Claim Bonus (NCB) | Not Available | NCB offers up to 50% discount on premiums. |
A comprehensive Maruti Esteem car insurance policy from ACKO typically covers:
Common exclusions in car insurance policies include:
Add-ons are optional coverages designed to provide extra protection tailored to your specific needs. Here’s a list of popular add-ons you can consider for your Maruti Esteem car insurance:
Several factors can affect the price of your Maruti Esteem car insurance. Here they are:
ACKO has a digital-first interface that facilitates instant disbursal of claims and easy access. Here are some benefits of purchasing or renewing your Maruti Esteem car insurance from ACKO:
ACKO’s insurance specialists help you find the best coverage tailored to your needs and budget.
Our team collects your car, repairs it at a network garage, and returns it within three days. Available in select locations. However, this service is available in select locations.
Accidents can happen anytime. Our round-the-clock support ensures you get immediate assistance with your car policy. We are just a call or click away!
Our digital platform eliminates intermediaries, reducing operational costs and commissions, allowing us to offer affordable four-wheeler insurance directly to you.
Purchasing your Maruti Esteem car insurance from ACKO is simple. Follow the steps below to buy it within minutes:
Step 1: Open the ACKO app or visit the ACKO website and click on car insurance.
Step 2: Enter your car’s registration number in the white box and click on the green button that says “View Offer Price”.
Step 3: Provide other necessary information as required.
Step 4: Choose your coverage type, add necessary add-ons and pay online.
Step 5: You will receive your Maruti Esteem car insurance renewal documents via email.
You must have the following documents readily available when buying or renewing your Maruti Esteem car insurance:
Follow the steps below to make a Maruti Esteem car insurance claim.
Step 1: Visit the ACKO app or access the official website and log in using your registered mobile number.
Step 2: You will see all insurance policies registered to your number.
Step 3: Click on Maruti Esteem car insurance and click on “Claim Now”.
Step 4: Upload multiple images of your car, provide necessary details and click on “Submit”.
Step 5: ACKO will reimburse you for minor damages instantly and guide you through the steps ahead for major claims.
The Maruti Esteem is a reliable 5-seater sedan available in three variants, with engine options ranging from 1296 cc to 1527 cc. It features a manual transmission and runs on petrol, diesel, or CNG, offering flexibility for different drivers. Although production ended in December 2008, the Esteem remains a popular choice in the second-hand market, with prices ranging from ₹4.63 lakh to ₹6.15 lakh*.
*The price of this car is subject to change depending on the age, make and model of the vehicle.
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Reviewed by Lokesh Shetty 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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