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Maserati Car Insurance

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Maserati is an Italian manufacturer which produces high-end cars that begin at Rs 1.35 crore. The iconic trident emblem was designed by an artist called Mario. The company’s cheapest car is Maserati Ghibli and the most expensive of the lineup is the GranCabrio that is retailed for Rs. 2.69 crore. This article has all the details that you need to know about Maserati Car insurance.

What’s Covered in Maserati Car Insurance

Coverages define a car insurance policy. These are situations where a policyholder can raise a claim against the policy. The following coverages are a part of Maserati Car Insurance for a comprehensive type of policy:

1. Third-party Coverages: The cost of compensating a third party against injuries, property damage, or death is covered under a car insurance policy.

2. Third-party Legal Liabilities: The cost of legal liabilities arising out of an accident with the third party are covered.

3. Personal Accident Cover: A Personal accident cover can be used in case of permanent or total disability to the owner or paid driver. Or in case of death. The sum insured is Rs. 15 Lakh.

4. Theft Coverage: The policyholder will be compensated with the Insured Declared Value of the car in case of theft.

5. Damage due to Fire: Damage arising out of the fire, explosion, etc. is covered.

6. Accidental Damage: Unintentional damage arising out of an accident is covered under Maserati car insurance.

7. Damage due to calamities: Damage due to natural or man-made calamities is also covered.

Exclusions of Maserati Car Insurance:

Exclusions are situations in which raising a claim is not allowed under the terms and conditions of the insurance policy. The policyholder will have to bear the cost of damage from their pocket. Following is a list of exclusions for Maserati Car insurance policy:

Benefits of Buying Acko Car Insurance Policy for your Maserati Car

Acko is a digital-first insurance company that is trusted by millions in the country. Buying insurance for your Maserati from Acko will give you the following benefits:

1. Quick Processes

Acko can quickly process a request thanks to its strong online presence. Right from buying a policy to claims and renewals, all processes are completed in a fast manner as compared to traditional insurance companies.

2. Expert Advice from Trained Professionals

When a person gets in touch with Acko, he/she will be guided by a team of insurance experts and the best possible solution will be provided.

3. Best Price

Acko directly connects with its customers. This allows the insurer to reduce the operational costs like agent commissions. The cost is passed on to the customer as a discount, thus providing the best costs for insurance policies.

4. Zero Paperwork

No physical copies of documents are required to carry out a process. One does not have to spend time arranging documents for buying or renewing insurance.

5. Quick Claim Settlement

Acko’s excellent claims team ensures that a customer has to go through the least possible hassle in case of a claim. 

Insurance Plans for Maserati Cars:

Car insurance plans for Maserati can be of the following types:

third-party car insurance plan offers basic protection and compliance with the law. Any damage to the third-party life or property can be covered with this plan. Additionally, a personal accident cover for the policyholder or paid driver along with coverage for legal liabilities is included in a third-party car insurance policy.

A comprehensive car insurance plan offers more coverage and thus its premium is also higher than the third-party liability cover. It includes coverage for damage to the insured Maserati as well. Additionally, the plan can be customized with add-ons like Engine Protect, Zero Depreciation, Roadside assistance, etc. This plan can be availed with discounts like NCB that encourage a driver to drive safely.

Add-ons for Maserati Car Insurance

Add-ons increase the scope of a car insurance policy. These are nothing but individual coverages that can be bought with a comprehensive car insurance policy. Here is a list of add-ons that are most suitable for a Maserati.

  1. Engine Protect: The policyholder must purchase a separate Engine Protect add-on that covers the cost of damage caused to the Maserati’s engine.

  2. Invoice Cover: This add-on compensates the policyholder with the ex-showroom price of the Maserati in case it gets stolen or is damaged beyond repair.

  3. Key Protect: A Maserati would come equipped with smart keys that offer many more functions. Since smart keys are expensive to repair or replace, one must buy the Key Protect add-on.

  4. NCB Protect: Buy the NCB Protect Add-on to keep the NCB intact.

  5. Zero Depreciation: The Zero Dep add-on can help the insurance company to pay the full claim without deducting depreciation.

  6. Roadside Assistance: This add-on provides various value-added services like free towing, fuel refill, on the spot repairs, flat tire change, etc.

Claim Procedure:

The claim process can have minor changes as per the terms and conditions of the insurance company, however, the following steps are common:

It is necessary to get in touch with the insurance company and intimate them about the incident as early as possible.

The insurance company will share details about the exact claim process. The policyholder then needs to arrange all the required documents and other details, like pictures or video of the damaged car, to file a claim.

The claim should be raised as per the process described by the insurance company.

The insurance company will allot a surveyor to inspect the extent of damage caused due to the claimable event.

After the claim is approved, the owner can send the car for repairs and the claim will be settled as per the terms and conditions of the insurance policy. 

Car Insurance for Maserati Car Models/Variants:

Below are the car insurances for Maserati Car models in India:

Frequently Asked Questions:

Below are the most common queries related to Maserati Car Insurance:

How can I get a good price for my Maserati car insurance?

You can get a fair price on your Maserati car by comparing car insurance policies from different insurers. This can be easily done by entering a few basic details about yourself and the car on car insurance comparison websites. And you view quotes for free.

What is the price of a Maserati car insurance policy?

The cost of car insurance depends upon various factors related to the car and its owner. For example, the Insured Declared Value i.e. the approximate market value of the car plays a vital role in deciding the premium. Similarly, type of car insurance policy, number of add-ons, claim history, etc. are also important. All these determine the cost of a Maserati’s insurance policy.

How much time does it take to renew Maserati car insurance?

If you choose to buy insurance from a digital-first insurance company like Acko, then you can get your Maserati insured within a few minutes depending upon the renewal history. If there are no gaps in renewing the policy, then you may get a new policy instantly.

Which add-ons should I buy with Maserati car insurance?

Add-ons suitable for insuring a Maserati are explained in Add-on section. Please take a look.

Is Maserati insurance costly?

Multiple factors play a role in determining the cost of a motor insurance policy. These factors include the current market value of the car, renewal history, number of claims, driving patterns of the driver, modifications on the car, number of add-ons, etc. Adjusting these factors to an extent can increase or decrease the cost of insurance.

Which insurance company has the best claim settlement ratio for Maserati cars?

The Claim Settlement Ratio (CSR) can increase or decrease depending on a lot of factors. The insurance regulator (IRDAI) publishes reports related to CSR annually and one can take a look at such reports to know the best insurer CSR-wise. However, choosing an insurance company only based on its CSR could be a very bad idea.

Is it costly to maintain a Maserati car?

Maintaining any automobile is expensive if the owner goes overboard with the related factors. Since a Maserati is an expensive car itself, one can say that the maintenance costs are also high.

About Car Insurance for Maserati Car:

Maserati cars look stunning. They come in various car types like SUV, open-top convertibles, sports cars, etc. Buying a car insurance policy for a Maserati would provide a financial safety net that can provide a backup in case of damage caused to the car or because of it.

Why should you buy a Maserati Car?

Maserati cars offer excellent elegance and performance to the buyer. They are classic head-turners and leave an awe-inspiring effect on the onlooker. Modern Maserati cars come with both style and technology. These cars are designed in such a manner that offer improved aerodynamics and stability at higher speeds.

About the Exterior of a Maserati

Double wishbones are used at the front and rear, with steel springs and anti-roll bars. There are Skyhook adaptive dampers, automatically activated bi-xenon main bulbs, fog lamps, sidelights and indicators, twin pipes at the back, and spoilers. The car is available in 13 different colours where the black one is a standard. 

About the Interior of a Maserati

A Maserati car like the GranCabrio’s cabin is designed to offer impressive legroom. Convertibles generally come with a low roof-top however this does not pose an issue when the roof is retracted. The dashboard has a wooden finish and comes with a 7.0in touchscreen infotainment system embedded for navigation and other useful features. It has alloy pedals for braking and accelerating. The seats have a common tone of white leather with a stitched blue thread.

Specifications

The following table lists the specifications of Maserati GranTurismo:

Mileage 10.0 kmpl
Fuel Type Petrol
Displacement 4691 cc
Max Power [email protected]
Max Torque [email protected]
Seating Capacity 4
Transmission Automatic
Fuel Tank 86L
Body Type Coupe

The following table lists the specifications of Maserati Ghibli:

Mileage 16.94 kmpl
Fuel Type Petrol
Displacement 2987 cc
Max Power [email protected]
Max Torque [email protected]
Seating Capacity 5
Transmission Automatic
Fuel Tank 70L
Body Type Sedan

The following table lists the specifications of Maserati Levante:

Mileage 12.0 kmpl
Fuel Type Petrol
Displacement 2979 cc
Max Power [email protected]
Max Torque [email protected]
Seating Capacity 5
Transmission Automatic
Fuel Tank 80L
Body Type SUV

The following table lists the specifications of Maserati Quattroporte:

Mileage 11.76 kmpl
Fuel Type Petrol
Displacement 3799 cc
Max Power [email protected]
Max Torque [email protected]
Seating Capacity 5
Transmission Automatic
Fuel Tank 80L
Body Type Sedan

The following table lists the specifications of Maserati Gran Cabrio:

Mileage 10.2 kmpl
Fuel Type Diesel
Displacement 4691 cc
Max Power 460bhp
Max Torque 520Nm
Seating Capacity 4
Transmission Automatic
Fuel Tank 75L
Body Type Convertible

Variants of Maserati Car, Ex-Showroom Price: 

Following are the models of Maserati cars with their base price:

Model Ex-Showroom Base Price
Maserati Ghibli ₹ 1.42 Crore
Maserati Quattroporte ₹ 1.64  Crore
Maserati Levante ₹ 1.45 Crore
Maserati GranTurismo ₹ 2.25 Crore
Maserati Gran Cabrio ₹ 2.69 Crore

Benefits of Buying Car Insurance for Maserati Cars

Following are the benefits of buying/renewing car insurance for a Maserati:

  1. Compliance with the Law

Buying insurance is mandatory in India and if a car is used without insurance, the owner/driver can be penalised with heavy fines. In repeated cases there could also be imprisonment. Thus, buying car insurance ensures that the law of the land is followed.

  1. Coverage against Damage to the Maserati

Choosing a comprehensive cover of a Maserati provides coverage for damages caused to this high-end car. Otherwise, the repair or replacement of parts can prove to be a costly affair.

  1. Third-party Liability Cover

The Maserati can cause significant damage to other people or their property and compensating them can burn a large hole in the owner’s pocket. This can be taken care of by Third-party liability insurance. The cost of legal liabilities arising out of such an accident will be also borne by the insurance company.

  1. Additional Coverage

An expensive car like Maserati needs to have full insurance coverage. This can be achieved with the help of add-ons like Engine protect, Zero Depreciation cover, or Roadside assistance add-on. 

  1. Peace of Mind

The above factors ensure that the owner/driver of the Maserati can be at peace as he/she does not have to worry about spending additional money against damages related to the car.

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CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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