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Owning a vehicle like the Maruti S-Cross is no simple feat. It is an achievement. Congratulations if you own this stunning four-wheeler. You must have put some thought into this purchase, right? Similarly, you need to make wise choices while picking other car-related services such as a service centre or an insurance policy. This article is all about helping you pick the right Maruti S-Cross Car Insurance Policy so that you are financially covered in case of a mishap involving your vehicle. Read ahead for detailed information about motor insurance.
Listed below are the top reasons why you should prefer the online insurance buying/renewing mode for your vehicle as compared to the offline one.
Online car insurance is a paperless process. You are not required to fill lengthy forms nor are you required to share a long list of vehicle-related documents. ACKO’s online policy buying/renewing process can be completed within minutes without any tiring paperwork.
ACKO’s website/app is available 24x7 for buying/renewing/claiming car insurance. Thus, you do not have to fix an appointment with an agent or visit a branch for car insurance. You have access to car insurance from anywhere at any time using your internet-enabled smartphone.
With no middlemen to influence your decision, you get to pick a plan that truly meets your needs. Online insurance is transparent and helps in making an informed decision.
Here are the two basic kinds of S-Cross insurance plans. Both are available during buying car insurance online or during car insurance renewal.
This is a bare-minimum insurance plan for your S-Cross. It also goes by the name Liability-only Policy or a Third-party Car Insurance Policy. It is compulsory as per The Motor Vehicles Act, 1988. Such a policy will help you evade non-compliance penalties and cover damages to third parties but not help you cover damages to your car.
This is the ideal type of insurance plan for your S-Cross. It suits a car like the S-Cross because it offers a Third-party (TP) + Own Damage cover (OD). In case your vehicle is damaged due to vandalism, flash-floods, accident, etc., ACKO will take care of the repair expenses as per the policy’s terms and conditions.
Here are the inclusions of a Comprehensive Car Insurance Cover for your Maruti S-Cross.
Insurance cover for a situation where the vehicle is damaged due to an accident.
Damage caused to a third-party due to the vehicle.
Theft cover if the vehicle is stolen.
Insurance coverage if the vehicle is damaged due to vandalism and other man-made calamities.
Insurance coverage if the vehicle is damaged due to floods or other natural calamities.
Damages to the vehicle in case of fire.
Here are the exclusions of a Comprehensive Car Insurance Cover for your Maruti S-Cross.
Claims raised for damage occurred due to regular wear and tear.
Depreciation shall not be covered unless the cover includes a Zero Depreciation Add-on.
Instances of mechanical and electrical breakdown are not covered.
Instances of driving with an invalid or no Driving Licence.
Driving under the influence of intoxicating substances.
Personal Accident Cover needs to be purchased separately.
With add-ons, you get an opportunity to heighten your car’s insurance coverage. Car Insurance Add-ons do increase the payable car insurance premium but offer valuable assistance during claims. If you are new to a location and fear being stranded if your S-Cross breaks down mid-journey, you can buy the Roadside Assistance Add-on.
A Zero Depreciation Add-on is also a productive cover for a new S-Cross as it will negate the depreciation calculation during claim settlement. Some of the other add-ons to be considered with a Comprehensive Car Insurance Policy are as follows.
Engine Protection: Insure the car’s most expensive part with this add-on.
Key Replacement Cover: Lost or damaged keys shall be insured with this cover.
Outstation Emergency Cover: Receive a fixed amount in a situation where your car breaks down beyond 100 km of your residence.
Return to Invoice Cover: Receive the vehicle’s invoice value if it faces Total Loss.
No Claim Bonus Protection: Protect your No Claim Discount even if you raise a claim.
You can avail of the below-mentioned benefits on purchasing or renewing your Maruti S-Cross car insurance policy from ACKO. Note that the final S-Cross insurance price will primarily depend upon the variant’s engine capacity and selected insurance plan among other parameters.
You can buy or renew your Maruti S-Cross insurance policy within minutes thanks to ACKO’s tech-enabled online car insurance process. You can do so by visiting ww.acko.com or by using the ACKO mobile application.
You can buy a car insurance policy directly from ACKO. There is no need for middlemen or agents. Since that cost is reduced, the policy is available at a lower premium. Thus, you get a top-notch car insurance cover at an affordable rate.
ACKO offers instant claim settlement for minor damages to your S-Cross. If the damage requires extensive repairs, our team will pick-up the car in an hour, take it to a professional garage for repairs, and deliver the repaired vehicle to your doorstep within three days as per the terms and conditions.
ACKO’s claim settlement process is easy to understand, simple to follow, and convenient to complete. Here’s how it goes.
Step 1: Inform us about the damage by logging in to My Account
Step 2: Click on ‘Claim Now’
Step 3: Share basic information about the claim. For example, share photos of the damaged vehicle.
Step 4: Coordinate with the claims team as they look into the intensity of the claim application and share the next steps.
Here are some queries about online car insurance.
As CSR is calculated for all claims, it is difficult to single out the ratio for Maruti S-Cross. The overall CSR for the year 2019-20 was 98%. For further information, please reach out to Customer Care.
ACKO works on a paperless model. Thus, you are not required to upload documents to buy or renew car insurance from our website/app.
It is suggested to opt for a Comprehensive Cover along with a Zero Depreciation Add-on. You can pick other add-ons as per your liking and budget.
No, you can get free car insurance quotes by visiting ACKO Car Insurance Premium Calculator.
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