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Maruti Suzuki Omni Car Insurance
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Omni by Maruti Suzuki has an extremely iconic status in India. Owing to its affordability and spacious layout, the Maruti Omni is the preferred vehicle of choice for large families and taxi operators. It is sturdy and reliable for the long run.
If you are about to buy your very own Maruti Suzuki Omni, you have made a wise choice of vehicle. Now, go a step further and invest in a Maruti Suzuki Omni car insurance policy. At IFFCO-Tokio General Insurance Co. Ltd., we ensure your financial safety by offering you the best insurance coverage for your ride.
We have different car insurance options for Maruti Suzuki Omni designed to suit your budget. You can choose between third-party insurance or comprehensive coverage with several add on features to truly set in place the best protection for your car.
You may be a cautious driver; however, the road is highly unpredictable. In the event of a mishap, it is not only your vehicle that may suffer damages. You too can get injured. To protect yourself and your car financially from accidents and damages it is a necessity to buy car insurance. In this regard, IFFCO- Tokio General Insurance Co. Ltd. offers you a well-designed plan for comprehensive coverage.
Our comprehensive Maruti Suzuki Omni car insurance plan also protects you from natural and man-made calamities like floods, riots and theft. You can now drive your vehicle worry-free.
Furthermore, our third-party Maruti Suzuki Omni car insurance plans secure you financially in case you cause damage to a third-party’s vehicle or person. By buying insurance, you free yourself from mental and financial distresses that could arise when shelling out money for car repairs. Our third-party insurance plans also cover any third-party legal liabilities that may arise from accidents.
At IFFCO-Tokio General Insurance Co. Ltd., we really do believe in holistic protection.
You may purchase Maruti Suzuki Omni car insurance in one of the two ways
1. At a branch: Visit IFFCO-Tokio General Insurance Co. Ltd. office branch closest to where you live. Our customer service team will assist you in buying the exact insurance you need.
2. Online: You can simply log on to our website and purchase your policy. It is an easy 3-step procedure that gets you coverage in minutes. All you have to do is -
Once you have logged in, you will need to enter your name and mobile number. After that, you will have to enter your car details. The intuitive website will present to you a few suitable insurance plans.
You will receive different coverage options to choose from. You can further choose to optimize your selected plan by including add-ons based on your requirements.
After you have chosen a plan type, all you need to do is pay the premium through our secure website. We then email the documents to you.
The website of IFFCO- Tokio General Insurance Co. Ltd. provides you with 24x7 customer support, 365 days a year. And, that’s not all. Buying insurance through our website is also:
All it takes is 3 quick steps
You have the freedom to buy your policy anytime from anywhere
You receive the policy in your inbox within minutes
Car Insurance provides coverage against:
Damages and losses that may arise out of collisions & accidents.
Coverage against losses incurred when your car is stolen.
Damages and losses caused to due to an accidental fire.
Damages and losses due to acts of nature such as floods, cyclones, etc.
Offers sum assured up to 15 lakh, with a cover against accident leading to death or disability of the owner
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 Omni car insurance policy.
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 Omni insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
The Omni 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 Omni insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
This is another important add-on you can opt for with your Maruti Suzuki Omni 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.
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 Omni car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
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 Omni, 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 Omni.
If you want to give your car complete protection, on and off the road, you should purchase this type of Maruti Suzuki Omni 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 Omni car insurance policy.
Premium is the cost of your Maruti Suzuki Omni 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 Omni 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 Omni 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.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
For 19 years, we have been servicing our customers with a wide range of insurance policies.
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
Through our QCS App: If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) App. All you have to do is upload the photos, documents, videos, etc., of the damages you want to make a claim for. We will review the documents you upload and approve your claim (we have a claim settlement ratio of 92%). After this, the estimated amount for repairs will be sent to your bank account in just 30 minutes. Note that for claims made through the app the maximum claim amount will be Rs. 50,000.
Online and telephonic claims: You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499.
To make a claim online, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned. If you register a claim over a call, our customer care executives will guide you with the further procedure.