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The Maruti Suzuki SX4 is an elegant-looking sedan that was launched in India in 2007. Although this model was discontinued in 2014, you can still see it being driven on Indian roads today. If you are a lucky owner of this classic four-wheeler, this article is for you. Here, we will highlight the different Maruti Suzuki SX4 insurance options and explain the benefits of online car insurance over its offline alternative.
Here are some ways online car insurance is superior to its offline counterpart.
Usually, purchasing car insurance offline will involve physical form filling. In contrast, online car insurance does not require you to fill out physical forms. Just head to the website/app of the insurer and enter the necessary details digitally.
Another drawback of offline car insurance is that you may need to visit the insurer’s office in person or meet an agent to buy or renew insurance and raise claims. On the other hand, online insurance enables remote access. So, you can buy insurance, raise claims and access other features from anywhere and at any time.
Car accidents are unpredictable events. That is why it is vital to have access to immediate help. For this purpose, online car insurers typically provide a detailed help guide and a 24x7 toll-free number on their app/website, which can be used for the required accident-related assistance.
Here are the two fundamental car insurance policy options for your Maruti Suzuki SX4.
This policy is the minimum financial protection you can buy to safeguard yourself against accident-related expenses associated with third-party liabilities. Also, as per The Motor Vehicles Act, possessing this policy is a mandatory requirement to legally drive on Indian roads. A Third-party Car Policy provides financial protection against third-party liabilities like collision-caused injury, death and property damage to a third party. However, it does not cover collision-caused damages to your insured vehicle.
A Comprehensive Car Policy comes with the legally compulsory Third-party Cover plus an Own Damage (OD) Cover. The OD cover will financially protect you against car-related theft, collision-based damages, and damages caused by natural and manmade calamities. A Comprehensive Policy also has the option to broaden coverage by purchasing add-ons.
Under a Comprehensive Car Insurance Policy for your Maruti Suzuki SX4, you can claim for the following damage-related scenarios.
Damages caused by natural disasters like cyclones, earthquakes, floods, etc.
Damages caused by manmade disasters like strikes, riots, vandalism, etc.
Damages caused by fires
Theft of SX4
Claims raised for accident-related damages will be rejected in the following cases.
If you drive without a valid driving licence
If you drive without active car insurance
Damages resulting from electrical and mechanical issues in the car
Driving without regard for traffic rules
Driving under the influence of substances that can hinder your perception (for example, alcohol)
Here are some of the popularly offered add-ons for Maruti Suzuki SX4 car insurance. However, please note that they are subject to availability with insurers.
Zero Depreciation Cover
Return to Invoice Cover
Roadside Assistance Cover
Outstation Emergency Cover
Key Replacement Cover
Here’s how ACKO stands out as an online car insurance provider.
Our digital infrastructure eliminates the usual operational costs associated with running an offline insurance company. These savings trickle down to the pricing of our policies and help us to offer low-priced insurance products.
Typically, car accident-related claims can take anywhere from a couple of days to a couple of weeks to process. ACKO skips this waiting period by processing the claims raised towards minor car damages within just a few hours of the request.
If your car endures accident-related damages, don’t panic. Call us immediately! We will come to your location, take your car to a nearby network garage and get it repaired. However, kindly note that this benefit is applicable only under certain policies.
Here are the steps to raise accident-related claims under your Maruti Suzuki SX4 insurance.
Step 1: Head to our website’s home page/app and log in to your account.
Step 2: Go to your Maruti Suzuki SX4 policy card and click “Claim Now” next to it.
Step 3: Respond to a couple of questions regarding the accident-caused damages. After that, share a few pictures of them and click “Submit”.
Once our team receives your claim request, the claim process will begin, and the claim settlement process will be initiated as per the policy terms.
Yes, it is legally sufficient to buy Third-party Car Insurance for your Maruti Suzuki SX4. However, we recommend that you rather buy Comprehensive Car Insurance because it offers broader coverage.
No, add-ons are not necessary under a Maruti Suzuki SX4 insurance, they are optional. There are different add-ons for different insurance requirements. So, you can only buy the ones you need based on your requirements.
Yes, ACKO has partnered with numerous network garages across the country that offer cashless repair for your insured Maruti Suzuki SX4.
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