Know how to buy/renew Mitsubishi Outlander Car Insurance
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The Mitsubishi Outlander is one of the well-known SUVs in India, known for its bold styling, refined drive and capable off-road performance. However, owning this vehicle comes with the key responsibility of purchasing adequate insurance coverage for it. Through this article, let's understand all the critical aspects of buying car insurance for your prized possession - the Mitsubishi Outlander.
There are several important reasons why buying a comprehensive insurance policy for your Outlander is highly recommended:
As per law, driving any vehicle on public roads without an active insurance policy is deemed illegal and can attract heavy penalties. Hence, to legally drive your Outlander and avoid legal hassles, having valid insurance is mandatory.
A suitable Outlander insurance safeguards you from major financial constraints arising from unprecedented incidents like accidents, natural disasters, thefts etc. It provides coverage for repair costs and total losses.
As per The Motor Vehicles Act, having adequate third-party liability cover is compulsory for all vehicle owners. It covers any legal liabilities arising from damages or injuries caused by your Outlander to a third party and their property.
Even if you live in a secure locality, car thefts are a reality. Outlander insurance ensures you get a rightful claim settlement in case of theft of your SUV. It provides financial support to handle such a stressful event.
Broadly, there are two major types of motor insurance policies available for your Mitsubishi Outlander:
This basic legal requirement covers liabilities arising from damages to a third-party vehicle, property or life. However, any damage to your Outlander will not be covered.
This extensive coverage includes mandatory third-party cover along with protection for your Mitsubishi Outlander from damages, theft, vandalism, natural disasters and more. It also allows you to opt for useful add-ons.
What is Covered
What is not Covered
A standard comprehensive car insurance policy for your Mitsubishi Outlander commonly includes coverage for the following:
Legally required third-party liability for property damage, bodily injury or death.
Damages to your Outlander due to covered risks like accidents, collisions, malicious acts, external explosions, etc.
Theft of accessories or the entire car. Additional benefits in case of car theft.
Losses arising due to man-made incidents like riots, strikes, civil commotion, etc.
Damages from natural calamities like floods, earthquakes, lightning, storms, cyclones, etc.
Loss/damage caused to the vehicle due to fire, explosion or self-ignition.
Personal accident cover for owner-driver and passengers (to be purchased separately).
While being comprehensive, every car insurance policy has some limitations. Below are some key exclusions in Mitsubishi Outlander policies:
Any damage resulting from wear and tear, mechanical or electrical breakdown.
The general ageing of the car, depreciation and any consequential loss.
Losses arising when driving under the influence of drugs or alcohol.
Damage caused deliberately by the insured or driving without a valid license.
Participation in motor racing events and high-risk activities.
Losses outside specified geographical areas or not reported within a specific time.
You can enhance your Outlander's protection by opting for useful add-on covers like:
Zero Depreciation Cover - Protects from high depreciation deductions on parts.
Engine Protection Cover - Covers the engine or engine component repair/replacement costs.
Return to Invoice Cover - Get paid the full invoice amount in case of total loss or theft.
Key Replacement Cover - Covers the costs for replacement of lost or stolen keys.
Roadside Assistance - Covers costs of on-road repairs, towing, battery jump-start, etc.
Here are the key benefits of buying online car insurance.
The entire policy purchase and claims process is 100% online and paperless. You can buy and manage your policy as well as file claims completely digitally through the insurer's app and website. No paperwork is needed.
Your Outlander's insurance policy is issued instantly within minutes of completing the purchase on the insurer's app/website. No long waits or delays.
You get dedicated customer support via call, chat or email 24x7 in case of any policy or claims queries.
Follow these simple steps for buying or renewing Car insurance on ACKO's website or app:
Enter your Outlander's registration number to get an instant quote.
Fill in relevant details like previous policy, claim history, NCB, add-ons, etc.
Select your plan and add-ons.
Pay the premium online securely via cards, UPI or internet banking.
Policy copy is emailed instantly upon purchase completion.
Here are the steps to raise a car insurance claim online:
Step 1: Intimate the claim through insurer’s website or mobile app by providing some basic details.
Step 2: Upload necessary documents like copies of policy, FIR or repair estimates through the app. For cashless claims, contact the authorized workshop directly.
Step 3: The insurance provider’s claims team will reach out to you for further assistance.
We have covered all key considerations for purchasing optimal insurance for your prized Mitsubishi Outlander - from coverage options and benefits to hassle-free purchases and claims. Equip yourself with this knowledge for making the right insurance decisions. And trust ACKO for a seamless end-to-end experience!
The main documents required are - an RC book copy, previous insurance policy copy, KYC documents like driver's license, ID proof, address proof, passport size photos, etc. A PUC certificate may also be required. However, at ACKO, you need not submit such documents. All we need is a few basic details of your vehicle.
The vehicle invoice can be obtained from the dealer you purchased the Outlander from. It has the ex-showroom price, registration costs etc., which help derive IDV. Alternatively, you can get the invoice value from the manufacturer's website.
Yes, you can get a discount on the Own Damage premium if you opt for Voluntary Deductible. It is the amount you agree to bear yourself in case of a claim. A higher voluntary deductible results in a lower premium.
Intimate the insurer immediately after the accident. Later, get your car towed to a garage, get a repair estimate and submit it along with necessary documents like FIR, repair bills, etc., to the insurer for claim processing.
Yes, Outlander insurance can be easily renewed online, even if you are overseas, through insurer websites or apps. You can make international payments via credit/debit card, and the policy copy is emailed instantly.
Inform the insurer about the transfer of ownership. The insurer will issue an NOC to transfer the policy. Later, fill in the details of the new owner and submit it along with RC book transfer fees to the insurer to transfer the policy in the new owner's name.