Maruti Suzuki Invicto Car Insurance
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Purchasing your dream car and driving it out of the showroom is an exhilarating feeling. But the process doesn't stop there - there are some important steps before you can officially call the car yours. One of the most crucial procedures is buying car insurance online for your new vehicle. Having valid car insurance is mandatory by law if you want to drive your car on Indian roads.
Let's take a closer look at why buying insurance is critical for your brand-new Maruti Suzuki Invicto and how you can get optimal coverage for your prized possession.
Why Should You Buy Car Insurance For Maruti Suzuki Invicto?
Buying adequate car insurance for your Maruti Suzuki Invicto is important for several reasons:
It is legally mandatory
As per the Motor Vehicles Act, it is illegal to drive any vehicle on Indian roads without a valid third-party car insurance policy. At the very minimum, you need to have third party liability insurance for your Invicto before you can drive it out of the showroom legally.
Protects from heavy financial losses
In the unfortunate event of an accident, damage or theft, you could be looking at very high repair and replacement costs for your car. Having car insurance protects you from such heavy financial losses as the insurance provider pays for damages covered under the policy.
Covers third-party liability
Third-party liability insurance is mandatory by law. It covers any legal liability arising out of accident-related damages caused to a third-party vehicle or property. It also covers the death or injury of third-party individuals.
The Most Common Types Of Car Insurance For Maruti Suzuki Invicto
There are mainly two types of car insurance policies applicable for the Maruti Suzuki Invicto:
Third Party Liability Only
This is the basic mandatory cover that provides protection against any legal liability arising out of injury, death or property damage caused to a third party due to an accident involving your Invicto. However, it does not provide any coverage for damage to your own car.
Comprehensive Insurance
This is a more extensive policy that not only covers third-party liability but also offers coverage for your own car's damages. So it pays for repair costs if the Invicto meets with an accident and faces damages due to events like floods, earthquakes, fire, riots etc.
What is Covered
What is Not Covered
What Is Covered In Maruti Suzuki Invicto Car Insurance?
A comprehensive car insurance policy covers your Invicto in the following ways:
It pays for any third-party liability arising out of death, bodily injury or property damage caused to external individuals/vehicles.
It pays for repair or replacement costs for your Invicto if it suffers damage due to incidents like accidents, riots, strikes, theft, natural disasters like floods/storms, etc. or man-made causes like fire, explosion etc.
Additional covers and benefits can be availed by opting for relevant add-ons like zero depreciation cover, engine protector, NCB protection etc.
What Is Not Covered In Maruti Suzuki Invicto Car Insurance?
While comprehensive insurance provides extensive coverage, there are some exclusions, such as:
Wear and tear of parts due to regular usage or ageing.
Mechanical or electrical breakdown.
Damage caused when driving under the influence of alcohol or drugs.
Loss or damage outside the geographical area covered.
Losses arising from war, radiation, nuclear risk etc.
Damage arising from unauthorised modifications to the Invicto.
Losses arising from consequential damages etc.
It is important to read the detailed policy terms and conditions to be aware of the exclusions applicable.
Add-ons For Maruti Suzuki Invicto Car Insurance
Some highly useful add-ons that enhance your Invicto's insurance coverage are:
Zero depreciation cover - waives off depreciation deductions on parts
NCB protection cover - protects No Claim Bonus even if the claim is made
Engine protector cover - pays for damage to the engine
Key replacement cover - pays for lost or stolen keys
Roadside assistance - covers breakdown towing and repairs
Consumable cover - pays for oil, filters, etc., required during repairs
Return to invoice cover - pays full invoice amount in case of total loss or theft
These add-ons are offered on an as-available basis.
Benefits of Buying ACKO Car Insurance For Your Maruti Suzuki Invicto
Buying insurance for your Invicto from ACKO offers many attractive benefits:
No commission. Only pay for the premium
The entire policy process is online saving time and hassle
Claim settlement is very quick due to zero paperwork
App and website provide convenience and ease of access
Free pick up and drop of car for repairs/servicing in select cities
Instant claim approval in some cases
Expert support and guidance for any car insurance related query
How to Buy/Renew Maruti Suzuki Invicto Insurance from ACKO
The process of buying or renewing your Invicto's insurance policy with ACKO is very simple:
Visit the ACKO website or mobile app
Enter your Invicto's registration number and some basic details
Choose the type of policy you need along with any add-ons
The premium is shown instantly. Pay it online via debit/credit card, UPI, etc.
The policy copy is emailed to your registered email ID instantly
You can also download a soft copy on the app. A hard copy follows in a few days.
The whole process can be completed in less than 15 minutes without stepping out of your home!
4 Easy Steps To Raise A Claim
Making a claim with ACKO is very seamless:
Log in to your ACKO account on the website or mobile app.
Click on 'Claim Now' and answer a few basic questions.
Upload scanned copies of necessary claim-related documents.
In case of minor damage, instant approval is given, and you can take your Invicto for repairs. For major damages, a claims expert will inspect it and initiate appropriate action.
ACKO settles claims in record time once documents are submitted. The whole process is digital without any paperwork.
Conclusion
Getting adequate insurance for your prized Maruti Suzuki Invicto is vital for your peace of mind and financial security. Go for a comprehensive policy along with relevant add-ons so your car is covered in the best way possible against any unforeseen incidents in the future. Choose a customer-friendly and efficient insurer like ACKO for the most hassle-free experience ever.
Getting adequate insurance for your prized Maruti Suzuki Invicto is vital for your peace of mind and financial security. Go for a comprehensive policy along with relevant add-ons so your car is covered in the best way possible against any unforeseen incidents in the future. Choose a customer-friendly and efficient insurer like ACKO for the most hassle-free experience ever.
Frequently Asked Questions on Maruti Suzuki Invicto Car Insurance
FAQs
What documents are required to buy Maruti Suzuki Invicto car insurance?
You need to provide a copy of your Invicto's registration certificate, your driving license, previous policy copies (if any), and KYC documents like identity and address proof. A PAN card may also be required. However, at ACKO, you need not submit any documents to buy car insurance.
How can I pay premiums for my Invicto insurance policy?
Premiums can be paid online via credit card, debit card, UPI, mobile wallet or internet banking. Most insurers also allow payment through offline options like cash, cheque, or demand draft.
What is the claims process if my Invicto is damaged outside the city?
You need to inform ACKO immediately about the incident. Documents like FIR or police report may be required. A claims expert will be assigned who will assess the loss and initiate appropriate action even if the car is outside the city.
Can I renew my lapsed Invicto insurance policy?
Yes, you can renew your Invicto policy even if it has lapsed, provided the vehicle registration is valid. However, any lapse in coverage will impact your No Claim Bonus eligibility.
What is the premium refund process for a cancelled Invicto policy?
For policy cancellation before expiry, insurers usually issue premium refunds after deducting minimum premium retention charges.
Will my NCB get transferred if I switch my Invicto insurance to ACKO?
Yes, your existing NCB will be transferred to ACKO seamlessly if you port your Invicto policy.
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