Maruti Suzuki Ertiga Car Insurance
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If you own the Maruti Suzuki Ertiga, you have to spend money on fuel, servicing, washing, parking, and insurance. Here, insurance is not a mere expense but a tool to safeguard your money. Not buying car insurance can lead to monetary penalties as insurance is a mandatory requirement. And in the absence of a wide-ranging cover, you will have to handle the car repair costs on your own. But, with a Comprehensive Car Insurance Policy for your Ertiga, you will be safe from penalties and have support when it comes to settling garage bills.
Why Choose Online Car Insurance for Maruti Ertiga?
This section highlights prominent reasons for opting to buy or renew your Maruti Ertiga’s insurance policy.
1. No Unnecessary Form-filling
The insurance industry has been infamous for its tedious form-filling. However, that is not the case with ACKO. Here, the process is paperless. You are not asked to fill lengthy forms or submit identity-proof documents to buy car insurance online.
2. Total Convenience
You can insure your vehicle from ACKO at your convenience. For example, if you are free on a Saturday night, you can insure your car at that time by simply logging on to www.acko.com or by downloading the mobile app
3. More Power to You
You can insure your car directly from ACKO. There are no middlemen/agents. Thus, there is total transparency. You can read product pages, blogs, policy documents and make an informed decision. If something is bothering you, simply call our Customer Care team and they will help you out.
Types of Car Insurance Plans for Maruti Ertiga
Whether you are planning to insure your car for the first time or going for car insurance renewal, there are two primary types of insurance covers available for you in India. Your Ertiga car insurance price will depend upon the chosen plan.
1. Third-party Liability Car Insurance
Here are some key pointers about this standard policy.
- Mandated as per The Motor Vehicles Act, 1988.
- Covers injury to a third party or their property damage.
- Premium is decided by the Insurance Regulatory and Development Authority of India (IRDAI).
- No scope for customization.
- Does not cover damages to the insured four-wheeler.
2. Comprehensive Car Insurance
Here are some key pointers about this advanced policy.
- Includes the mandatory car insurance coverage.
- Premium is decided by the insurance company.
- Can be customized with suitable car insurance add-ons.
- Covers damages to the insured four-wheeler.
- Ideal for wide-ranging coverage.
What’s Covered in Maruti Ertiga Car Insurance? (Inclusions)
Here are the inclusions of a Comprehensive Car Insurance Cover for your Maruti Ertiga.
Covers third-party injuries.
Covers third-party property damage.
Cover against fire.
Cover against vehicle theft.
Cover against damages because of natural or man-made calamities.
What’s Not Covered in Maruti Ertiga Car Insurance? (Exclusions)
Here are the exclusions of a Comprehensive Car Insurance Cover for your Maruti Ertiga.
Damage due to natural wear and tear.
Depreciation of car parts is not covered unless you have a Zero Depreciation cover.
Mechanical and electrical breakdown.
Instances of driving with an invalid/expired insurance policy/Driving License.
Instances of drunken driving.
Personal Accident cover needs to be purchased separately.
Add-on Covers for Ertiga
Add-on covers help to strengthen your car’s insurance policy. They widen the cover and either offer a service or help receive a better claim settlement amount. When it comes to choosing add-ons for Ertiga, you should look out for Roadside Assistance, Zero Depreciation, and an Engine Protection Add-on. While the Roadside Assistance Add-on is a service-based cover the other two are claim-related covers.
Roadside Assistance will come in handy if your vehicle breaks down and needs immediate assistance. Here, a mechanic will be sent to your location to handle the issue. The Zero Depreciation Add-on negates depreciation calculation. As a result, you get a higher claim payout. And the Engine Protection covers damages to the engine due to instances such as flooding. Some of the other relevant add-ons are as follows.
Key Replacement: Lost car keys? No problem. Get them replaced with this add-on.
Outstation Emergency Cover: Get a predetermined amount if your four-wheeler breaks down during an outstation trip.
Return to Invoice: Get the vehicle’s invoice value for instances involving damage beyond repair or theft.
No Claim Bonus Protection: Raise a claim without disturbing your accumulated renewal discount.
Consumables Cover: Expenses for consumables (oi, fuel, nuts and bolts, etc.) used in car repairs shall be covered.
Benefits of Buying ACKO Car Insurance Policy for your Maruti Ertiga Car
Here are the major advantages of insuring your car for the first time or opting for online car insurance renewal from ACKO. The exact Maruti Suzuki Ertiga insurance price will depend upon the kind of cover chosen by you.
1. Quick Purchase
Who says buying insurance is a lengthy process? Maybe it used to be so but not any longer. With ACKO, you can insure your car within minutes. Simply visit our website or download the mobile app and share details, pick a plan, and you will receive a free car insurance quote. Your policy will be ready to download once you make the online payment. Easy-peasy!
2. Low-cost, High-value
ACKO offers wide-ranging insurance coverage and benefits at an affordable price. This is possible because of no middlemen and a tech-enabled process.
3. Smooth Claim Settlement
ACKO is by your side when it matters the most—during claim settlement. With features such as doorstep pick-up and delivery of your car (in select cities) and instant settlement, our claims process is smooth, fast, and convenient.
Claim Procedure
Here’s a standard process for settling claims via ACKO’s online platform.
Step 1: Log in to My Account
Step 2: Click Claim Now.
Step 3: Mention applicable details.
Step 4: Coordinate with the claims team for further processing based on the type of damage/claim.
Frequently Asked Questions
Here are some common questions and answers about car insurance.
FAQs
Can I buy insurance for my Ertiga via ACKO’s website at night?
Yes, you can get insurance for your Ertiga via ACKO’s website or mobile app 24x7.
I own an Ertiga but it is a second-hand car. Do such cars also need to be insured?
Yes, even second-hand cars, or pre-owned cars as they are known, need to be insured with at least Third-party Car Insurance Plan if they are to be driven on public roads.
Which factors determine the Ertiga insurance cost?
The top factors determining the premium of a Comprehensive Car Insurance policy are engine capacity, location, and chosen plan.
Do I need to upload any specific documents to renew my car insurance policy from ACKO?
There is no need to upload any specific documents to renew car insurance on ACKO.
How can I find the best car insurance plan for Maruti Ertiga?
The best insurance plan for Maruti Ertiga is one that offers wide-ranging coverage without charging a lot. There is no one-size-fits-all approach here. You have to pick what suits you. For instance, a Comprehensive Plan with Zero Depreciation and Roadside Assistance Covers is a good option.
