Maruti Suzuki Baleno Car Insurance
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Maruti Baleno is a premium car, and any damages to the vehicle can lead to a hefty repair bill. A motor insurance plan protects you against financial losses incurred due to the damages to your car. It’s not only about financial backup. Baleno Insurance Plan also ensures that you, as an owner of the vehicle, comply with the legal requirements. This article will provide all the information related to Baleno Car Insurance.
Benefits of Buying Online Car Insurance for Baleno Car
Below are the benefits of buying car insurance online for your Maruti Baleno car.
1. Zero Paperwork
When you buy online car insurance, there is no hassle of filling lengthy forms and tedious documentation. To purchase an online insurance policy for your car, all you have to do is visit the ACKO website or app and enter the vehicle and personal details. That's it. Choose your insurance plan and make the payment online.
2. Convenience
Opting for digital insurance is the most convenient way to buy an insurance policy for your car. You need not visit any agents or insurer's office to purchase insurance online. All you have to do is visit the ACKO website or log on to the ACKO app from anywhere in the country to purchase a policy.
3. No Hidden Charges
There are no agents or middlemen involved during Baleno car insurance renewal/purchase from ACKO. The entire buying/renewal process is digital and transparent, and you only pay for the insurance policy you choose.
Insurance Plans for Baleno Car:
You can opt for either of the two types of insurance plans for Baleno: Third-Party Car Insurance Plan and Comprehensive Car Insurance Plan. Below are the coverage details of both the car insurance plans.
Third-Party Car Insurance Plan:
Third-Party Car Insurance Policy provides coverage against third-party damage/loss. A Third-Party Liability (TPL) cover is mandatory for your car to comply with the legal requirements. The insurance plan covers damage to third-party property/vehicle or life. A Third-Party Policy is a basic insurance plan for your car as it does not cover damages to your car.
Comprehensive Car Insurance Plan:
A Comprehensive Car Insurance Policy provides Third-Party and Own Damage cover. The insurance plan covers damage to your car caused by fire, accident, or natural/man-made disasters. The policy also covers losses such as theft or total loss of the insured vehicle. You can also enhance the coverage of the policy by purchasing add-ons at a nominal increase in Baleno insurance cost.
What’s Covered in Maruti Baleno Car Insurance? (Inclusions):
Maruti Baleno Comprehensive Car Insurance Plan provides coverage against the following:
Loss or damage to third-party property or life.
Loss or damage to the car due to an explosion or fire outbreak.
Total loss or theft of the insured vehicle.
Loss or damage to the car due to an accident.
Loss or damage to the car due to natural disasters such as cyclones, floods, earthquakes, etc.
Loss or damage to the car due to man-made calamities such as vandalism, riots, etc.
Exclusions of Baleno Car Insurance:
Maruti Baleno car insurance does not provide coverage against the following circumstances:
Vehicle damages due to improper handling or irresponsible driving.
Regular wear and tear.
Damages to the vehicle when driving under the influence of intoxicating substances.
Loss or damage to the vehicle while driving without a driving licence.
Electrical or mechanical failure.
Any add-on covers which are not purchased.
Personal Accident cover. (To be purchased separately)
Add-ons for Baleno Car Insurance:
An add-on is an individual cover that extends the coverage of the Comprehensive Car Insurance Plan. You can buy car insurance add-ons while purchasing/renewing Baleno car insurance. Below are the available add-ons for Baleno car:
Key Replacement Cover
Outstation Emergency Cover
Consumables Cover
Personal Accident Cover for Passengers
Return to Invoice Cover
Zero Depreciation Cover
Good-To-Have Add-ons for Maruti Baleno:
You can consider buying the below add-ons for an all-round coverage for your Baleno.
Engine Protection Cover
Any damages to the Baleno’s engine can leave you with a hefty repair bill. With the Engine Protection add-on, damages to the engine caused due to an accident, natural or man-made disasters are covered by the insurer. The engine is the most important component of your car. So it makes sense to opt for the Engine Protect add-on for comprehensive insurance coverage.
Consumables Cover
Every time your car is repaired at a service centre, you will be charged for consumables such as engine/gearbox oil, nuts and bolts, etc. The Comprehensive Insurance Plan does not cover the costs of consumables. But if you opt for the Consumables cover add-on, the costs incurred due to the use of consumables will be covered by the insurer.
Roadside Assistance Cover
A vehicle breakdown in the middle of the road can cause you a lot of inconveniences, and you might have to struggle to fix your car. But with a Roadside Assistance (RSA) add-on, you need not worry about vehicle breakdowns. The RSA cover provides 24x7 assistance within 100 km from your residence. The RSA cover includes towing service and on-the-spot vehicle repair service.
Why choose ACKO Car Insurance Policy for your Baleno Car?
Below are the reasons why you should buy a car insurance policy for Baleno from ACKO.
1. Get your Car Insured Instantly
At ACKO, you can buy car insurance online for your Baleno car within a few minutes. There is no need to fill out forms or submit documents. Enter the vehicle and personal details, choose your plan and pay online. Your car insurance policy will be instantly sent to your email address.
2. Quick Claim Settlements
ACKO offers instant on-account claim settlement for minor damage claims. If the damages to your car are severe, ACKO will pick up your vehicle within an hour (in select cities) for repair works. The repaired vehicle will be delivered to your doorstep within three days.
3. Low-Cost Insurance Plans
Thanks to the tech-enabled digital process, ACKO saves on operational costs. The savings are passed on to the customers in the form of low-cost car insurance plans. Hence, the Baleno insurance price is incredibly low on ACKO.
Claim Procedure:
Filing a claim against ACKO car insurance is quick and easy. You need not fill lengthy forms and upload documents to raise a car insurance claim. Follow the below steps to register a car insurance claim at ACKO:
Step 1 - Log on to the website ACKO.com or download the ACKO smartphone app.
Step 2 - Log in to your account via an OTP sent to your registered mobile number.
Step 3 - Click on the ‘Claim’ button on your policy card.
Step 4 - Enter details of the car damage.
Step 5 - Upload pictures of the damaged car.
Step 6 - You will receive an instant on-account claim settlement for minor damages.
Step 7 - If the extent of damage is severe, ACKO’s car insurance expert will contact you to process the claim settlement.
Frequently Asked Questions:
Below are some of the most commonly asked questions and their answers related to Baleno car insurance.
FAQs
Which insurance plan provides maximum coverage for my Maruti Baleno?
Comprehensive Car Insurance Policy is the best insurance plan for your Maruti Baleno car. Comprehensive Policy comes with the mandatory Third-Party cover and Own Damage cover. Your car gets comprehensive coverage against third-party damages and damages to your vehicle. Moreover, you can also opt for add-ons to enhance the benefits of the insurance policy. Lastly, the insurance plan also covers losses such as theft or total loss of the insured car.
Is Personal Accident cover included in the Baleno insurance plan?
No. A Personal Accident cover is not included in the car insurance policy (Third-party/Comprehensive). On the other hand, a PA (Personal Accident) cover is mandatory in India to comply with legal requirements. You can buy the PA cover separately when you purchase/renew car insurance online on ACKO.. Only one Personal Accident cover is required if you own multiple vehicles.
How can I raise a claim against Baleno car insurance?
You can file a claim against Baleno car insurance, either offline or online. For offline claims, you have to visit the insurer’s office and fill out the claim form and submit the hard copies of the required documents. Online claims are easy and convenient as you can visit the insurer’s website and file a claim online. You need to upload the soft copies of the documents to submit a claim request.
ACKO customers can visit the ACKO website/app and log into their account to file a car insurance claim. There is no need to fill forms or upload documents. Just enter a few details to raise a claim request.
My Baleno is damaged due to an earthquake in my city. Will the car insurance pan cover such losses?
Yes. If you have purchased a Comprehensive Car Insurance Plan for your Baleno, then damages caused due to natural disasters are covered. You can raise a claim against the Comprehensive Insurance Policy if your car is damaged due to natural calamities such as floods, cyclones, earthquakes, etc.
What is an add-on cover in Baleno insurance?
Add-on cover is an individual cover that provides additional coverage/service. It enhances the scope of coverage of the Comprehensive Car Insurance Plan. You can buy add-ons while purchasing/renewing a car insurance policy.
I have bought a second-hand Maruti Baleno. How does NCB work here?
NCB or No Claim Bonus is earned by the owner of the car and not the vehicle itself. So, the NCB benefits cannot be transferred to the new owner of the vehicle. The first owner of the vehicle can use his/her NCB while purchasing a new car insurance policy. Whereas you, the second owner of the car, will not get any NCB benefits of the second-hand car.
Why is a Comprehensive Car Insurance Plan more expensive than the Third-Party Car Insurance Plan?
A Comprehensive Car Insurance Policy offers comprehensive coverage, including Third-Party and Own Damage cover. Third-Party Car Insurance Policy offers only third-party cover. A Comprehensive Policy offers a whole lot of benefits when compared to the basic Third-Party Policy. So, a Comprehensive Plan costs more than the Third-Party Insurance Plan.
Can I buy a long-term car insurance plan for my Maruti Baleno?
Yes. You can purchase a long-term car insurance policy for your Baleno. You can opt for a 3 or 5-year car insurance plan while buying ACKO car insurance online. You save on the insurance premium, and there is no hassle of yearly car insurance renewal by opting for a long-term car insurance policy.
Will the car insurance plan cover modifications done to my Baleno?
No. A Comprehensive Car Insurance Plan does not cover any aftermarket accessories fitted on the car. However, you can request the insurer to include the modified parts/accessories in the insurance policy. But you may have to pay an additional premium to cover any kind of modifications or aftermarket accessories.
Can I opt for add-ons for a Third-Party Car Insurance Plan?
No. You cannot purchase add-ons with a Third-Party Car Insurance Policy. Since a third-party policy does not offer an Own Damage cover, you cannot buy add-ons. Only a Comprehensive Car Insurance Plan allows you to buy add-ons to extend the coverage benefits of the policy.
Which documents do I need to submit to file a Baleno car insurance claim?
You need to submit the following documents to raise a car insurance claim:
- Duly filled claim form
- Vehicle registration (RC) certificate
- Driving Licence (DL)
- Insurance certificate
- Vehicle repair bills (If any)
- Copy of FIR (If required)
ACKO customers need not submit any documents while filing a car insurance claim. Log into your account via website/app and select the claim option on your policy card. Enter a few details about the vehicle damage and submit the claim request.
