Maruti Suzuki Ciaz Car Insurance
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Maruti Suzuki Ciaz is a high-performance sedan with luxurious interiors and a stylish design, guaranteed to turn heads. Its safety features are up to date and it has a powerful engine. Ciaz provides all the comforts of a sedan, offering decent mileage to go with it.
You can't go wrong if you choose to buy this model. But before you register your new vehicle, remember to purchase insurance for it. It is illegal to drive your car in India without a car insurance policy. We at IFFCO-Tokio General Insurance Co. Ltd. will gladly help you get insurance coverage for your car.
We provide 3 different types of Maruti Suzuki Ciaz Car Insurance plans for you to choose from! You can opt for third party insurance or comprehensive insurance We also provide multiple add-ons to widen the coverage of your plan. All these options let you pick the best plan that will suit all your needs.
Even if you drive very carefully, Indian roads can be unpredictable. If you meet with an accident it might damage your vehicle. You or your co-passengers may also need medical assistance. If an accident like that occurs, your car insurance policy will cover the costs.
If an accident occurs then you might also damage other vehicles as well. In that case, you may be held liable for the repair costs. However, your Maruti Suzuki Ciaz car insurance will nullify such risks with comprehensive coverage.
The insurance plan is a failsafe against the financial impact of accidents, acts of nature, third party liabilities, and even man-made calamities. Our Maruti Suzuki Ciaz car insurance will add another layer of protection to your car.
There are 3 ways to buy Maruti Suzuki Ciaz car insurance from IFFCO-Tokio. The first way is to visit one of our branches. The second is to get in touch with one of our authorized agents. Either way, it should be relatively easy considering the fact that we have over 20,000 agents and branches in India. However, if you are looking for an even easier way to buy a plan, then your 3rd option is to buy the plan through our website. For this, you can just access our website and buy the policy yourself by following these three easy steps.
You have to fill-in your phone number and name. You can then fill in the details of your car. Based upon these details, we will assemble 3 different coverage options for you to choose from.
Choose the type of coverage you want, and then customize the plan by including the add-ons you want, altering your IDV, setting the preferable voluntary deductible, etc.
Once you finalize on your coverage, just pay the premium and voila! The insurance documents will instantly be sent to the email address you have provided. The coverage of the plan will begin immediately.
Not sure if buying your policy over the internet is a good decision? Maybe these benefits of the online purchase process will help you decide.
All it takes is a few clicks for you to purchase the insurance plan!
You can access our website from anywhere and everywhere.
Cut through physical paperwork and forget about losing the physical copy of your insurance policy!
Car Insurance provides coverage against:
Collisions
Damages and losses that may arise out of collisions & accidents.
Theft
Coverage against losses incurred when your car is stolen.
Fire
Damages and losses caused to due to an accidental fire.
Natural Disaster
Damages and losses due to acts of nature such as floods, cyclones, etc.
Personal Accident
Offers sum assured up to 15 lakh, with a cover against accident leading to death or disability of the owner
Third-Party Losses
Pays for property damages and injuries caused by your car.
Here are some recommended add-ons that can widen the coverage of your Maruti Suzuki Ciaz car insurance policy.
Zero depreciation cover
Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Maruti Suzuki Ciaz insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
Roadside Assistance
The Ciaz is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Maruti Suzuki Ciaz insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
Engine protector
This is another important add-on you can opt for with your Maruti Suzuki Ciaz car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine.
No Claim Bonus (NCB) Protection
If you drive safely and do not make a claim against your policy, you are entitled to a discount when your renew you plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Maruti Suzuki Ciaz car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
Return Invoice Cover
With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas, with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!
These are some of the standard exclusions of car insurance in India.
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
If you want basic and affordable coverage for your Maruti Suzuki Ciaz, you can opt for third party insurance. These plans do 3 things for you. Firstly, they serve the basic legal requirement to drive your car on Indian roads. Secondly, they ensure you do not have to pay for third party damages and injuries in an accident you are involved in. And lastly, they will provide a payout of up to 15 lakhs in case an accident leads to your total permanent disability or death.
However, third party insurance does not cover damages or total loss of your own vehicle. So while these plans might be extremely affordable, they do not offer any protection for your Maruti Suzuki Ciaz.
If you want to give your car complete protection, on and off the road, you should purchase this type of Maruti Suzuki Ciaz car insurance. This is because, comprehensive plans are made of two components, third party cover and own damage cover. This means that they provide everything that third party insurance.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increase protection from perils of the road.
You should know these important car insurance terms before you buy a Maruti Suzuki Ciaz car insurance policy.
Premium is the cost of your Maruti Suzuki Ciaz car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Maruti Suzuki Ciaz car insurance policy.
IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer.
No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your policy.
Simple, just use the car insurance premium calculator. This online tool allows you to check the premium of your Maruti Suzuki Ciaz car insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Until recently, innovation and insurance were rarely used in the same sentence. However, we have made it our mission to change this. At IFFCO-Tokio, we are bringing in technology to provide you with car insurance that’s quicker and more convenient.
One of the ways we’re doing this is through our QCS app, which puts a host of our services at your fingertips! You can submit claims using your nothing but your phone and get up to Rs. 50,000 in compensation in just 4 hours.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakhs claims (in FY19) with a settlement ratio of 92.65%. This is just one of the reasons why 1,00,000+ individuals entrust us with their car insurance needs.
4300+ Network Garages
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
Quick Claim Settlement
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
Trusted Brand
For 19 years, we have been servicing our customers with a wide range of insurance policies.
Claims experience
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
Awarding winning protection
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Wide network of branches
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
