Maruti Wagon R Insurance

Maruti Suzuki Wagon R Summary

Maruti Suzuki Wagon R is a compact and comfortable hatchback car. It is considered the best family car with exciting features available at an economical price. Its engine capacity is up to 1,197 cc and tends to deliver a mileage of 20.52 kmpl to 33.54 km/kg under its petrol and CNG variants respectively. This 5-seater car comes with manual as well as automatic transmission. It is available in 14 variants and 7 vibrant colours. The Wagon R is furnished with a range of safety features which includes anti-lock braking system, child safety locks, airbags for driver and passenger, anti-theft device, crash sensor, engine immobilizer, etc.

Maruti Suzuki Wagon R Car Insurance

It is compulsory to have a minimum of a third party car insurance policy as per the Indian Motor Tariff. This is an insurance cover which offers the basic coverage to protect you against the financial obligations which may arise towards a third party due to an accident involving your car. Driving your car without an active insurance plan is an illegal act which can make you penalised with Rs. 2,000 and/or an imprisonment of up to 3 months.

Types of Car Insurance Plans

1. Third Party Cover

This is the basic insurance cover which you should mandatorily own. It safeguards you against the financial liabilities towards the third party for bodily injury, death or property damage incurred due to an accident that involves your car. This insurance policy offers compensation for the expenses incurred due to property damage of up to Rs. 7.5 lakh.

2. Standalone Own-Damage Cover

This is an insurance cover to compensate for the expenses which may occur due to damage or any loss sustained by your car in an accident or a mishap.

3. Comprehensive Cover

This is a holistic insurance cover that shields you against financial liabilities which you may incur towards a third party along with own-damage expenses that may occur due to an accident or an unforeseen incident involving your car.

How to Buy Insurance for Maruti Suzuki Wagon R from InsuranceDekho

Visit the InsuranceDekho website and get all the car insurance-related solutions. Follow the steps given below and get a car insurance coverage for your Maruti Suzuki Wagon R:

Step 1: Visit the official website InsuranceDekho

Step 2: Fill your car’s number in the “get your quote” section. In the absence of your car number, you can also fill details like brand, model, fuel type, variant, registration year, and registration location of your car, to get the quotes.

Step 3: Fill your name and mobile number to get the quotes for car insurance plans

Step 4: Choose a car insurance quote based on your budget and requirements

Step 5: Make payment for the selected insurance plan and get its documents through email.

Maruti Suzuki Wagon R Car Insurance Claim Process

Cashless Car Insurance Process

The cashless car insurance process helps you get your car repaired without making any payment at the network garage of your insurance company and the repair bill is settled by the insurer. Follow the below process to raise a cashless claim for your Wagon R car:

• Intimate your insurer as early as possible after an accident or mishap by calling the customer support staff of your insurer or by visiting their website or through their mobile app.
• Share all the details of the incident to the police and register an FIR, especially in case of accident, fire, theft, and so on.
• Click a few pictures of damages sustained by your insured car, bodily injuries, and any other damage, etc., after the accident to procure them as a vital proof for the settlement of the claim.
• Search a network garage near your location and take your car there for cashless repair. You can also get in touch with your insurer to arrange towing facilities, in severe condition.
• As your car reaches the network garage, a surveyor will be sent by the insurance company to assess the extent of damages suffered by your car. Here you must show relevant documents like car registration certificate, policy copy driving license, FIR, etc., to the surveyor.
• The surveyor will prepare and submit a report which has the estimate of the claim amount. On the basis of documents and the surveyor's report, the insurer will approve or reject your claim.
• If your insurer gives approval, the network garage will start repairing your car. After the completion of repair work, your insurer will settle the repair bills directly with the garage.

Reimbursement Car Insurance Process

The reimbursement claim process is designed to make you pay for your repair bills initially and then reimburse it. Follow the below process to raise reimbursement claim for your Wagon R car:

• Inform your insurance company about the event and register your claim.
• Take your car to any garage or workshop after the accident or mishap for repair.
• Your insurer will send a surveyor to the garage to access the extent of damages of your car.
• A claim report will be prepared and submitted to your insurance company by the surveyor.
• The garage will start repairing your car and you will have to pay the generated repair bill.
• Submit the original repair invoice, relevant documents and a claim form to your insurer.
• After examining your bills, claim form, etc., your insurer will reimburse your claim amount.