Maruti Suzuki Baleno Car Insurance

How much is Baleno insurance price?

The Baleno insurance price depends on the type of coverage and add-ons you choose. Apart from that, the vehicle’s age, geographical location and other factors also determine the insurance premium.

Which insurance plan provides maximum coverage for my Maruti Baleno?

Comprehensive Car Insurance Policy is the best insurance plan for your Maruti Baleno car. Comprehensive Policy comes with the mandatory Third-Party cover and Own Damage cover. Your car gets comprehensive coverage against third-party damages and damages to your vehicle. Moreover, you can also opt for add-ons to enhance the benefits of the insurance policy. Lastly, the insurance plan also covers losses such as theft or total loss of the insured car.

Is Personal Accident cover included in the Baleno insurance plan?

No. A Personal Accident cover is not included in the car insurance policy (Third-party/Comprehensive). On the other hand, a PA (Personal Accident) cover is mandatory in India to comply with legal requirements. You can buy the PA cover separately when you purchase/renew car insurance online on ACKO.. Only one Personal Accident cover is required if you own multiple vehicles.

How can I raise a claim against Baleno car insurance?

You can file a claim against Baleno car insurance, either offline or online. For offline claims, you have to visit the insurer’s office and fill out the claim form and submit the hard copies of the required documents. Online claims are easy and convenient as you can visit the insurer’s website and file a claim online. You need to upload the soft copies of the documents to submit a claim request.

ACKO customers can visit the ACKO website/app and log into their account to file a car insurance claim. There is no need to fill forms or upload documents. Just enter a few details to raise a claim request.

My Baleno is damaged due to an earthquake in my city. Will the car insurance pan cover such losses?

Yes. If you have purchased a Comprehensive Car Insurance Plan for your Baleno, then damages caused due to natural disasters are covered. You can raise a claim against the Comprehensive Insurance Policy if your car is damaged due to natural calamities such as floods, cyclones, earthquakes, etc.

What is an add-on cover in Baleno insurance?

Add-on cover is an individual cover that provides additional coverage/service. It enhances the scope of coverage of the Comprehensive Car Insurance Plan. You can buy add-ons while purchasing/renewing a car insurance policy.

I have bought a second-hand Maruti Baleno. How does NCB work here?

NCB or No Claim Bonus is earned by the owner of the car and not the vehicle itself. So, the NCB benefits cannot be transferred to the new owner of the vehicle. The first owner of the vehicle can use his/her NCB while purchasing a new car insurance policy. Whereas you, the second owner of the car, will not get any NCB benefits of the second-hand car.

Why is a Comprehensive Car Insurance Plan more expensive than the Third-Party Car Insurance Plan?

A Comprehensive Car Insurance Policy offers comprehensive coverage, including Third-Party and Own Damage cover. Third-Party Car Insurance Policy offers only third-party cover. A Comprehensive Policy offers a whole lot of benefits when compared to the basic Third-Party Policy. So, a Comprehensive Plan costs more than the Third-Party Insurance Plan.

Can I buy a long-term car insurance plan for my Maruti Baleno?

Yes. You can purchase a long-term car insurance policy for your Baleno. You can opt for a 3 or 5-year car insurance plan while buying ACKO car insurance online. You save on the insurance premium, and there is no hassle of yearly car insurance renewal by opting for a long-term car insurance policy.

Will the car insurance plan cover modifications done to my Baleno?

No. A Comprehensive Car Insurance Plan does not cover any aftermarket accessories fitted on the car. However, you can request the insurer to include the modified parts/accessories in the insurance policy. But you may have to pay an additional premium to cover any kind of modifications or aftermarket accessories.

Can I opt for add-ons for a Third-Party Car Insurance Plan?

No. You cannot purchase add-ons with a Third-Party Car Insurance Policy. Since a third-party policy does not offer an Own Damage cover, you cannot buy add-ons. Only a Comprehensive Car Insurance Plan allows you to buy add-ons to extend the coverage benefits of the policy.

Which documents do I need to submit to file a Baleno car insurance claim?

You need to submit the following documents to raise a car insurance claim:

- Duly filled claim form

- Vehicle registration (RC) certificate

- Driving Licence (DL)

- Insurance certificate

- Vehicle repair bills (If any)

- Copy of FIR (If required)

ACKO customers need not submit any documents while filing a car insurance claim. Log into your account via website/app and select the claim option on your policy card. Enter a few details about the vehicle damage and submit the claim request.