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The Isuzu D-Max is one of the most rugged and enduring pickup trucks preferred by many consumers in India. Its powerful performance, sturdy build, and off-roading capabilities make it the top choice for adventure junkies. However, owning this stellar vehicle is not enough. You must safeguard your prized possession from financial losses in case of unforeseen mishaps. This is why purchasing comprehensive car insurance for your Isuzu D-Max is critical.
Let's understand why you need insurance and how to smartly buy it.
Buying sufficient car insurance policy for your Isuzu D-Max is important for the following reasons:
According to the Motor Vehicles Act, it is mandatory for all vehicles plying on Indian roads to have at least a basic third-party insurance cover. Driving without adequate insurance can attract heavy penalties from traffic authorities. Your vehicle registration can also be cancelled for repeated offences.
Your hardy Isuzu D-Max is still prone to damages in road mishaps, accidents, natural disasters or theft. The costs of repair and replacement can run into lakhs of rupees, which can maul your savings. An insurance policy provides coverage against such hefty expenses so that you are not left dealing with financial stress.
As per law, you are liable to pay compensation if your Isuzu D-Max causes injury or property damage to a third party like a person, vehicle or structure. An insurance policy pays these compensation amounts on your behalf and saves you from huge financial liabilities.
There are two major types of motor insurance covers that you can purchase for your Isuzu D-Max:
This basic policy is mandated by law for plying vehicles on public roads. It covers liabilities from damage or injury caused by your truck to a third-party vehicle, property or person. However, it does not cover any loss or damage incurred to your own D-max.
A comprehensive policy provides wider, all-round protection. In addition to the third-party liability cover, it also covers damages, losses or expenses incurred by your own Isuzu D-Max due to accidents, collisions, fire, theft, natural disasters, etc. It is strongly recommended to purchase this extensive cover for complete financial safety.
What is Covered
What is not covered
The aspects covered under a comprehensive Isuzu D-Max insurance policy are:
Legal liabilities arising out of third-party property damage, bodily injury or death caused by your truck.
Damages to your own truck due to accidents, collisions with vehicles/structures/animals, overturning, etc. Coverage depends on the Insured Declared Value.
Loss or damage arising from disasters like floods, earthquakes, storms, inundation, lightning, cyclones, etc.
Expenses incurred if a truck is burnt or stolen. Total loss claims are settled if the vehicle is not traced within 90 days.
Charges of towing the pickup to the nearest garage if it breaks down or meets with an accident.
Personal accident cover provides compensation if an insured driver dies or suffers permanent disability due to an accident.
Additional protection can be purchased through add-ons like zero depreciation cover, NCB retention, etc.
Though comprehensive, an Isuzu D-Max insurance policy does not cover certain losses like:
Normal wear and tear of parts due to regular usage and ageing.
Mechanical or electrical breakdown of truck parts and engine.
Accidental damages if the truck was driven under alcohol influence or without a valid licence.
Any loss outside the geographical boundaries of India.
Participating in racing events or adventure sports activities.
Damage to tyres and tubes only. Damage to the entire truck is covered.
Consequential losses like accommodation costs during repairs.
Losses if the truck is used for purposes other than specified without informing the insurer.
Some useful add-ons that enhance coverage of your Isuzu D-Max insurance policy are:
Zero depreciation cover - Waives off deduction towards depreciation on parts
NCB protection cover - Allows retention of NCB even if one claim is made
Return to invoice - Pays full ex-showroom price of truck if it is a total loss
Key replacement - Pays for replacing keys and locks if keys are lost
Roadside assistance - Provides support like on-spot repairs, towing, etc., in case of breakdowns
Hydrostatic lock - Protects engine in case water enters it on waterlogged roads
Passenger cover - Provides compensation for injuries/death of passengers
Choosing ACKO for your Isuzu D-Max insurance provides multiple benefits like:
Entire policy purchase and renewal is done online with zero paperwork.
Get policy copies instantly on WhatsApp/email, as the issuance is 100% digital.
Customise your own policy by selecting tenure, covers and add-ons as per your exact needs.
Hassle-free and speedy settlement of claims aided by tech-driven processes.
Cashless claims facility across a wide network of authorised garages pan-India.
Renew the policy in a few minutes, right from the ACKO App/Website.
Dedicated customer support 7 days a week for any queries or grievances.
Follow these quick and easy steps to buy or renew insurance for your Isuzu D-Max from ACKO:
Step 1: Visit the ACKO website or download the mobile app
Step 2: Enter your Isuzu D-Max registration number and click on "Check Prices"
Step 3: Select policy tenure, coverage, and add-ons as per your requirement
Step 4: Pay the premium online securely using UPI, cards, and net banking to instantaneously get policy
Step 5: For renewal, share previous policy details and directly pay the premium
Visit ACKO website or app for more details on the purchase process.
Raising and settling claims is smooth and fast with ACKO through these steps:
Step 1: Intimate claim via Call/App/Website
Step 2: ACKO surveyor contacts you to inspect the truck and assess the damage
Step 3: Take your Isuzu D-Max to the nearest network garage for a repair estimate
Step 4: ACKO quickly validates the claim and transfers the approved settlement amount
Insuring your prized Isuzu D-Max is vital for enjoying tension-free drives while being shielded from massive financial losses in case of accidents, damages or theft. Choose ACKO for the best deals on premiums, along with unmatched ease of purchase and claims. Drive safely, and browse freely!
The premium is calculated based on location, D-max variant, age, claim history, policy tenure, no claim bonus, etc. Higher engine capacity and expensive variants cost more to insure.
Inform your insurer, submit Forms 29 and 30 signed by buyer and seller, and NOC from financier if hypothecated. Once an existing policy is cancelled, the new owner can transfer the policy or buy a new one.
Yes, insurers like ACKO allow splitting the premium in instalments by paying a nominal service charge. This facility can be opted for while purchasing the policy online.
You need a copy of your registration certificate, KYC documents like Aadhar, driving license and previous policy if renewing. PUC certificates may be requested in some cases.
Intimate insurer, submit a copy of the First Information Report (if policy lost) and declaration about policy details. A duplicate policy will be issued on request. A nominal fee may be charged.
Yes, a 30 to 90-day grace period is allowed, depending on the insurer, if you are unable to renew on the exact expiry date. Delayed renewal options are also available by paying a prorated premium for lapsed periods.