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Customer RatingsMaruti Suzuki Alto Car Insurance Online
Variants of Maruti Suzuki Alto Car
The Alto comes with the F8D engine with two fuel variants – petrol and CNG, with 796cc volume, producing a maximum power of 35.3kW at 6000RPM. The trims available are Standard, LXi, VXi, and VXi Plus, of which the LXi (O) CNG option is the top-spec variant. The line-up misses an automatic transmission but does get the option of single and dual airbags.
| Petrol | CNG |
| Alto STD (O) | Alto LXi CNG |
| Alto LXi (O) | Alto LXi (O) CNG |
| Alto VXi Plus | |
| Alto VXi |
Types of Maruti Suzuki Alto Car Insurance HDFC ERGO Offers
Maruti is well-known and trusted for rolling out reliable, affordable and high-mileage cars that are also fun to drive. The Alto is no different, providing a great option for first-time car owners. When buying a car, you also need to ensure you have a car insurance policy, as not only is it mandatory, but more importantly, it is a financial safety net that keeps you protected in case of a mishap. Here are the options you can choose from:
A comprehensive car insurance policy, as the name suggests, is a policy that covers almost all areas of common potential mishaps, ranging from damage due to natural and manmade disasters to theft. It includes the mandatory third-party liability insurance and personal accident cover, while also providing coverage against damage to your own vehicle.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
A third-party liability insurance is mandatory for every vehicle plying on the road. It provides coverage against injury, disablement, or death to a third-party person and damage to their property. It takes care of all treatment and legal fees, if any, so that your finances are kept intact even though you may be at fault for the mishap. Similarly, if you’re the victim of an accident, you’re eligible to receive benefits from the perpetrator’s third-party liability policy.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover is one-half of a comprehensive car insurance policyas it provides coverage against damage to your own vehicle. This can be due to natural disasters such as floods, earthquakes, fires, storms, etc. It also accountsfor manmade calamities such as riots and vandalism. Accident damage is also covered. Finally, it covers against theft of the vehicle. This plan is best paired with a third-party liability policy to obtain comprehensive coverage for your Alto.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
New car owners often enter the world of car ownership not knowing what car insurance entails. This plan aims to cast aside all your worries by combining a long-term third-party liability insurance so that you’re covered continuously for an extended period, while adding an annually renewable own damage component to ensure comprehensive coverage.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Maruti Suzuki Alto Car Insurance
Your Maruti Suzuki Alto car insurance plan covers your vehicle comprehensively, ensuring you’re well-protected against the most common mishaps. Your comprehensive car insurance policy covers the following:
Accident coverage
An accident is something that’s always at the back of your mind when you are on the road. Not only is it a traumatic experience, but it’s also financially draining to repair the car in the aftermath. With a comprehensive insurance policy, the repair expenses are taken care of.
Natural or manmade calamities
Storms and floods have become more common and more intense, and are likely to cause damage to your car, directly or indirectly. Similarly, rioting and vandalism can negatively impact your car.Luckily, all of that is covered by your policy.
Theft
If your car gets stolen and is irrecoverable, you will receive the Insured Declared Value (IDV) of the vehicle which is determined at the time of policy renewal.
Personal accident
Accidents happen without warning, and can cause significant damage, physically and financially. With a personal accident cover, your treatment expenses are covered right from the cost of medical procedures to daily expenses.
Third-party liability
If you’re at fault for causing an accident, your third party insurance will help pay for damages to the victim, and vice versa.
No car insurance policy covers everything, as that would simply make it impractical and reduce its cost-effectiveness. Insurance is meant to cover some of the common mishaps, and it is expected of the owner/driver to operate the vehicle within reasonable parameters. So, read the fine print of your Maruti Suzuki Alto car insurance policy to understand what it does not cover.
Depreciation
Cars are a depreciating asset, which is why when repairing your car or replacing a certain part, the insurer pays the depreciated value of the part, while the owner pays the rest as depreciation cost.
Wear and tear
Wear and tear are unavoidable for an object that has complex mechanical moving parts and generate heat and friction as well. Natural wear and tear of any component, causing it to malfunction, is not covered by your insurance policy.
Electrical breakdown
The electrical circuitry and components of a car are prone to weather and other physical conditions that can cause it to malfunction. Furthermore, aftermarket electrical components are often installed by car owners, which is why they are out of the purview of car insurance.
Illegal behaviour
Any illegal behaviour while driving your vehicle, can result in the rejection of your claim. This includes driving without a valid license, driving under the influence of alcohol or drugs, etc.
How to Renew Maruti Suzuki Alto Car Insurance?
Buying or renewing your Maruti Suzuki Alto car insurance policy has never been easier with insurers offering their entire range of services online. You can now buy or renew your policy as per your convenience, from the comfort of your home, in just a few minutes.
Step #1Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Maruti Suzuki Alto Car Insurance from HDFC ERGO?
The Alto is known for being affordable, reliable, and a cost-effective dive into the car ownership experience – the same qualities that your car insurance policy must possess. Choose an insurer that is popular, has a large customer base, and processes claims reliably with a high settlement ratio. Here’s why HDFC ERGO fits the bill:
Cashless facility
An accident or mishap requires your car to be repaired immediately. You may not always have that kind of cash lying around, to pay for the repairs, which is where the cashless repair facility helps. HDFC ERGO has over 6700 cashless garages pan-India to ensure your car gets repaired without straining your finances.
Easy claims
Almost 80% of car insurance claims are processed on the very same day, ensuring there’s little time wasted between you filing a claim and the car getting repaired.
Overnight repair service
Minor car repairs, as a result of an accident, are conducted overnight, so that you can enjoy a good night’s sleep and have the car ready the next morning.
24x7 assistance
With our 24x7 roadside assistance, help is just a call away.
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