Maruti Suzuki Swift Car Insurance
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While purchasing a car, people do not want to think of unfavourable situations such as an accident or theft. However, such things happen unexpectedly. At that time having wide-ranged car insurance can be your saviour. The right insurance policy purchased from a reliable insurance company will help you get timely services related to claim settlement. Read ahead to know about Maruti Swift Car Insurance.
Benefits of Buying Online Car Insurance for Swift Car
Below are the benefits of purchasing car insurance online for your Maruti Swift Car.
1. Paperless Purchase
One of the biggest perks of opting for online insurance is a paperless purchase. You can buy/renew your preferred car insurance easily without any paperwork. You just need to visit www.acko.com or download the app to submit the vehicle and personal details to purchase car insurance for your Swift car. The entire process can be completed within a few minutes.
2. Transparent Services
When you buy car insurance online, there is no intervention from a middleman/agent. You can directly purchase the policy from ACKO. We offer transparent services to a policyholder, where he can calculate his premium and take an informed decision.
3. Convenience
When you are buying car insurance online, you can compare various insurance coverages and buy insurance policy at your convenience. By exploring online, you can get the best deal for your car. Check out and compare the websites before choosing the right vehicle insurance.
Car Insurance Plans for Maruti Swift
There are two primary options when it comes to four-wheeler insurance.
1. Third-party Liability Cover
Mandated by law, Third-party Car Insurance is a basic insurance plan for any vehicle in India. It covers third-party life and properties in an accident. However, it does not cover damages or losses to your vehicle.
2. Comprehensive Car Insurance Cover
Buying Comprehensive Car Insurance ensures better insurance coverage for your Maruti Swift cars. It enhances the basic coverage by providing extra insurance protection to your vehicle in the form of Own Damage cover. This is over and above Third-party Insurance. Thus, a Comprehensive Policy covers the damage cost for your own vehicle as well as third-party liabilities. This policy also offers the option to choose various add-ons for your vehicle.
What’s Covered in Maruti Suzuki Swift Insurance (Inclusions)?
Here’s what’s covered in a Comprehensive Insurance Policy for Maruti Swift:
Damage or losses to the car due to explosion or fire outbreak.
Damage or losses to the car due to an accident.
Damage or losses to third-party property or life.
Damage or losses to the car due to man-made calamities such as riot, vandalism, etc.
Damage or losses due to natural disasters such as cyclones, storms, earthquakes, etc.
What’s Not Covered in Maruti Suzuki Swift Insurance (Exclusions)?
Here are some exclusions that are not covered under the Comprehensive Motor Insurance Policy:
Consequential damage costs are not covered by the insurer.
Driving a car under the influence of alcohol or intoxicating substances.
Driving a car with an expired insurance policy.
Claims as per any add-on cover which is not purchased.
Add-ons for Maruti Swift Four-wheeler Insurance:
The add-ons can be perceived as extra insurance covers for your Maruti Swift. You can opt from various add-ons to make your Comprehensive Plan even more beneficial. By paying a little bit of extra premium, you can get specific advantages. Here is a list of car insurance add-ons:
Zero Depreciation Cover
No Claim Bonus Cover
Return to Invoice Cover
Outstation Emergency Cover
Key Replacement Cover
Consumables Cover
Popular Add-ons for Maruti Swift:
Here are some popular and relevant add-ons that you can choose for your Maruti Swift car:
Zero Depreciation
With a Zero Depreciation Add-on, the majority of the car’s depreciation amount will not be considered, and it will increase the claim amount.
Engine Protection Cover
You can enhance the insurance cover for your Maruti Swift’s engine with the Engine Protection Add-on. This can come in extremely handy if you reside in a flood-prone area.
Return to Invoice Protection
Invoice Protection Add-on will ensure that you receive the invoice value of your in case of a total loss. Without this add-on, your insurer will only pay you the Insured Declared Value of your car.
Consumables Cover
The Comprehensive Insurance Plan does not cover the costs of consumables such as engine/gearbox oil, nuts and bolts, etc. 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.
No Claim Bonus Cover
No Claim Bonus is a discount offered by the insurance company on vehicle insurance premium when you don’t raise any claim during your policy period. You can get a discount of up to 50% on the renewal premium amount if no claims are raised for the five consecutive years.
Why ACKO Car Insurance Policy for your Maruti Swift
Here are some top benefits of purchasing Swift Car insurance from ACKO.
Online Insurance Process
The days are gone when you have to wait to get your vehicle insured. ACKO offers a digital process through which you can buy or renew car insurance online You just need to submit the car details, pick an insurance plan, and make the online payment for your Swift car insurance renewal.
Expert Guidance
Get guidance from insurance experts at ACKO for queries to buy, renew, claims and other insurance-related services.
Faster Claim Settlement
In an unfortunate incident where your car gets damaged, you can simply file a claim by visiting www.acko.com or by downloading the mobile app.The claims team will take over and work towards a smooth and faster claim settlement experience.
Claim Procedure:
Filing a car insurance claim at ACKO is simple and easier. Follow the below steps to raise a claim against the ACKO car insurance policy:
Step 1 - Visit the ACKO website or download the ACKO app on your smartphone.
Step 2 - Login to your account with your registered mobile number.
Step 3 - Click on “Claim”.
Step 4 - Enter the damage details of your car.
Step 5 - Upload pictures of your damaged car.
Step 6 - You will receive an instant claim settlement for minor damages.
Step 7 - If the damages are severe, ACKO’s car insurance expert will contact you to process the claim settlement.
Frequently Asked Questions
Here are a few questions and answers related to the above-mentioned topic.
FAQs
Which documents are required to buy insurance for my Swift car?
ACKO offers paperless services for buying/renewing car insurance. Hence, no documentation is required to buy insurance for your Swift car. You just need to visit www.acko.com or download the app to purchase insurance for your car.
Which factors affect the insurance premium of Maruti Swift?
Here are a few factors that affect Maruti Suzuki Swift insurance premium:
Car model/variants
Insured Declared Value (IDV)
Engine and Cubic Capacity of the car
No Claim Bonus
Deductibles
Security or anti-theft devices installed (If any)
Claim history, etc.
How to claim under my Maruti Swift car insurance policy?
To file a claim, you need to log in to your insurance account on the ACKO website/app. Click on the “claim” button to file a claim. Later on, fill the damage details of your car with a picture. For minor damage, your claim will be settled instantly. ACKO’s expert will contact you in case of major damages.
Can I renew the car insurance with another Insurance company?
Yes, you can renew the car insurance with another insurance company.
Is it mandatory to renew my Maruti Swift car insurance policy?
Yes, having Third-party insurance is mandatory for your car as per the Motor Vehicles Act, 1988. If your policy has expired, you have to renew it to activate your insurance policy again. It helps you fulfil legal requirements.
How does NCB work in case I buy a second-hand car? Will I get a No Claim Bonus?
No Claim Bonus (NCB) is applicable to the owner of the vehicle and not the car. This means NCB is not passed on with the sale of the car. So, when you buy a new car insurance policy, you can transfer the NCB benefits of the previous policy. You will get an NCB discount on the premium when buying/renewing the car insurance policy for your second-hand car.
What is the best Car Insurance Plan for My Maruti Swift?
You can consider purchasing the Comprehensive Car Insurance Policy for your Maruti Swift car for extensive coverage. This policy provides coverage against damage to third-party property/life, damages to your car, and total loss or theft of the insured vehicle. You can also customize the policy coverage by opting for add-ons at your convenience.
How to renew the Car Insurance Policy for My Swift?
You can renew your car insurance policy online as it is very convenient. You can log on to the ACKO website/app and complete the car insurance renewal process without any paperwork. You can select your desired car insurance plan and add-ons and pay the premium online. That’s it.
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CIN: U66000KA2016PLC138288
IRDAI Registration No: 157
Category: Non-Life Insurance
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