Maruti Suzuki Omni Car Insurance

• Protect yourself with third party or comprehensive cover
• Use bumper to bumper policies to reduce your liability
• Enjoy facilities like zero depreciation and roadside assistance covers

Maruti Suzuki Omni comes in three main variants; 5 seater, 8 seater and ambulance that can be modified according to your needs. Maruti Suzuki Omni has been a favourite among van users in India for a long time and is one of the top-selling cars in India. The large space and the simple technology the van offers are considered a fringe benefit by all.

Insurance Providers for Maruti Suzuki Omni

There are a number of insurers providing insurance coverage for Maruti Suzuki Omni, a few among them are:

• Royal Sundaram General Insurance Co. Ltd.
• Maruti Insurance Broking Private limited
• Bharti AXA General Insurance Co. Ltd.
• Bajaj Allianz General Insurance Co. Ltd.
• HDFC ERGO General Insurance Co. Ltd.

It would be wise to compare different car insurance policies before buying one.

Price Range of Maruti Suzuki Omni

*Please note that the above prices are exclusively for Bangalore, the prices will change with the geographical location.

Mileage of Maruti Suzuki Omni

The company claimed mileage for all the variants of Maruti Suzuki Omni is 16.80 Kmpl.

Engine Specifications of Maruti Suzuki Omni

Inclusions and Exclusions of Maruti Suzuki Omni Car Insurance

Car insurance comes with certain inclusions and exclusions that you need to be aware of when buying the insurance policy.

• Inclusions:
  • Third-party Liability Cover:
    • Third-party liabilities towards accidental injury
    • Third-party liabilities towards external property damage
    • Third-party liabilities towards vehicle damage
  • Comprehensive Cover:
    • Liabilities towards own accidental injuries
    • Liabilities towards own vehicle damage
    • Third-party liabilities towards accidental injury
    • Third-party liabilities towards external property damage
    • Third-party liabilities towards vehicle damage
• Exclusions:
  • Third-party Liability Cover:
    • Doesn’t cover own accidental injuries
    • Doesn’t cover own vehicle damage
  • Permanent Exclusions:

You can’t raise a claim for the following:

• If your car insurance policy expires
• If you were driving under the influence of alcohol when the accident took place
• If you drive without a valid license or violate the traffic rules
• If you use a commercial vehicle as a private vehicle and vice-versa
• If you stage accidents or try fraudulent means to avail the claim amount
• For regular wear and tear of the vehicle

Factors that affect Maruti Suzuki Omni Car Insurance Premium

Your car insurance premium is calculated based on a number of factors such as:

• Your geographical area
• Your car’s age
• Your driving experience
• Your car’s Insured Declared Value (IDV)
• Use of your vehicle - private or commercial purpose
• Details of your previous car insurance policy
• Model and make of your car

Easy Steps To Apply for Maruti Suzuki Omni Car Insurance

You can buy car insurance for your Maruti Suzuki Omni either online or offline depending on your comfort.

• Online:

Insurers have official websites and apps where you can compare and purchase a car insurance that meets your insurance requirements. Purchasing insurance online is easy and takes very little time.

• Offline:

Purchasing insurance offline can be stressful and could take a long time. You need to meet with a number of insurers/insurance agents, collect the relevant information on various insurance policies that exist and then compare them before making a choice.

Add-on covers for Maruti Suzuki Omni Car Insurance

Insurers provide a number of optional add-ons to increase the overall insurance coverage, a few among them are listed below:

• Accidental cover for car passengers
• Engine Protect cover
• Return to Invoice cover
• Consumables cover
• No Claim Bonus (NCB) protect

Trim your Maruti Suzuki Omni Car Insurance Premium:

You can trim your car insurance premium by:

• Providing accurate details when buying/renewing your car insurance policy
• Accumulating No Claim Bonuses (NCB)
• Not buying extensive coverage for old cars
• Applying for loyalty discount
• Being a member of Automobile Association of India (AAI)
• Opting for high voluntary deductibles
• Not raising claims for small expenses
• Renewing policy on time
• Installing safety and navigation devices in your car

Insured Declared Value for Maruti Suzuki Omni Car Insurance:

Insured Declared Value (IDV) is the market value of your car depending on your car’s model, make, age, etc. The IDV varies from car to car, the higher the IDV of your car, higher will be the car insurance premium.

Claim Process for Car Insurance

After a mishap, you can either raise a cashless or reimbursement claim. Below mentioned are the steps you need to follow while raising a claim:

1. Contact the insurer and inform them about the mishap as soon as it happens
2. Raise a claim request and provide all the necessary proof/documents that support your claim
3. File a FIR report at the nearest police station

• Cashless Claim Process

Insurers have tie-ups with a number of authorised garages, these are called cashless garages. After a mishap you can raise a cashless claim request and take your car for repair at the nearest cashless garage. Post all the repairs are done, the insurer will directly pay the garage for their service without you having to pay for the expenses yourself.

• Reimbursement Claim Process

In case, post mishap, you are unable locate a cashless garage, inform the insurer and raise a reimbursement claim request. Then take your car to the nearest garage to get it repaired. Under this claim, you need to pay for the services rendered by the garage and later submit the invoice to your insurer to get the amount you spent reimbursed.

Maruti Suzuki Omni Car Insurance FAQs

1. Is it necessary to purchase car insurance for Maruti Suzuki Omni?

   Yes, it is mandatory to insure your car in India as per the Motor Vehicles Act.

2. What type of cars are covered under Maruti car insurance?

   All the cars manufactured by Maruti Suzuki are covered under the insurance.

3. Can I transfer my No Claim Bonus discount when I change my insurer?

   Yes, you can transfer the No Claim Bonus discount when you change your insurer.

4. What is a cover note?

   A cover note is a temporary document given by the insurer until the original insurance policy certificate is ready to be issued. The cover note is valid only for 60 days.

5. What documents do I have to submit when buying a car insurance policy?

   You need to sign the proposal form and submit the original copies as well as the xerox copies of documents such as driver’s license, address proof, vehicle registration, etc.