Maruti 800 Insurance

In case, the claim arises due to the below mentioned reasons for your Maruti 800 car insurance, then it would be invalidated:

• Regular wear and tear of your insured car
• Mechanical or electrical breakdown of your insured car
• The normal ageing of your insured car
• Damage of loss to your car due to accident happening outside the geographical boundaries
• Usage of your insured car outside the coverage scope
• In case you get caught driving without a valid driving license
• In case the driver is caught driving the car under the influence of alcohol or drugs
• Damage or loss caused to the insured car because of war like conditions or nuclear radiations

If a policyholder avails a zero depreciation add-on cover along with their basic car insurance plan, then they can reimburse the complete claim amount without subtracting the depreciation on the parts of the car. This would not be applicable in the event of theft, constructive or complete loss. The compulsory deductibles would get subtracted from the overall depreciation amount.

It is a calculation tool provided to the policyholders by the insurance companies in order to help them in calculating the premium paid towards their Maruti 800 car insurance plan. The premium paid towards your Maruti 800 car insurance plan is affected by factors including geographical zone, insured declared value or IDV, age of the car, cubic capacity of the insured car, no claim bonus, make and model of the car, discounts, loadings, etc.

To get the claim amount you need to provide the below mentioned documents to your respective insurance provider:

• Car insurance copy
• Driving license copy
• Claim intimation
• Car insurance claim form
• Repair estimate
• Registration copy
• Repair receipt for cashless claim settlement
• Survey fees bill
• Vehicle survey report
• Recent passport size photo

According to the Indian Motor Tariff Act, it is mandatory to buy a third party liability cover for all the car owners in India, who are driving their vehicles on the public roads. In case, a person is caught driving their car without an active insurance plan, then they are subject to pay a fine of Rs 2000 and/or imprisonment for up to 3 months. Also, it is recommended to go for a comprehensive car insurance plan as it offers coverage against both own damage as well as third party liabilities.