Benefits of Buying Online Car Insurance

• Buy or Renew Online: Purchase a new car insurance policy or complete your renewal online without having to visit a branch.
• Compare Your Options: Review the available coverage options and select one based on your insurance needs.
• Digital Policy Issuance: Once the payment is successfully processed, your policy document is issued digitally.
• Manage Your Policy Online: View policy details, complete renewals and access relevant policy information online.
• Less Paperwork: The purchase and renewal process can be completed digitally, reducing the need for physical documentation.

Types of Car Insurance Plans

• Third-Party Car Insurance: Covers your legal liability if your car causes injury, death, or property damage to a third party. It does not cover damage to your own vehicle.
• Comprehensive Car Insurance: Covers third-party liabilities as well as loss or damage to your own vehicle caused by accidents, theft, fire, natural calamities, and man-made incidents, as per the policy terms.
• Standalone Own-Damage Car Insurance: Covers damage to your own vehicle due to insured events such as accidents, theft, fire, and natural calamities. It can be purchased only if you have a valid third-party car insurance policy.

What's Covered and Not Covered? (Inclusions & Exclusions)

Inclusions

• Damage to Your Vehicle – Helps cover the repair costs if your car is damaged due to an accident, subject to the policy terms.
• Personal Accident Cover – Offers financial protection in the event of accidental death or permanent disability. Coverage may also be extended to passengers, depending on the policy.
• Third-Party Liability – Covers your legal liability if your vehicle causes injury, death, or property damage to a third party.
• Natural Calamities – Provides coverage for damage caused by events such as floods, cyclones, earthquakes, storms, and other natural disasters.
• Man-Made Incidents – Helps cover losses arising from incidents such as riots, vandalism, strikes, or malicious acts, as specified in the policy.
• Theft or Total Loss – Helps protect you financially if your insured vehicle is stolen or suffers a total loss, as per the policy terms.

Exclusions

• Damage Caused by an Unauthorised Driver – Claims may not be accepted if the vehicle was being driven by someone not authorised under the policy.
• Driving Without a Valid Driving Licence – Losses occurring while the vehicle is driven by someone without a valid driving licence are generally not covered.
• Driving Under the Influence of Alcohol or Drugs – Claims arising from accidents caused while driving under the influence are typically excluded.
• Normal Wear and Tear – Regular wear and tear, depreciation, and mechanical or electrical breakdowns are not covered under a standard policy.
• Use Outside the Policy Terms – Claims may not be covered if the vehicle is used for purposes not permitted under the policy, such as using a private car for commercial purposes.

Add-ons* for Maruti Suzuki Baleno Car Insurance

• Depreciation Reimbursement: Covers depreciation on replaced parts during repairs.
• Protection of NCB: Helps retain your No Claim Bonus after an eligible claim.
• Return to Invoice: Covers the financial gap between the claim amount and the original invoice value in case of theft or total loss of the vehicle.
• Key Replacement: Covers the cost of replacing lost or damaged car keys.
• Inconvenience Allowance: Offers a daily cash benefit while your car is under repair.
• Loss of Personal Belongings: Covers personal belongings lost or damaged inside the car.
• Basic Roadside Assistance: Includes towing, battery jump-start, flat tyre assistance, and minor repairs.
• Additional Roadside Assistance: Provides extended roadside support and emergency assistance.
• Engine Guard: Covers engine damage caused by water ingress or oil leakage.
• Cover for Consumables: Covers the cost of consumables used during claim-related repairs.
• EMI Protector: Pays your car loan EMIs for a specified period if your vehicle is under repair after an insured accident.
• Enhanced Personal Accident Cover: Offers higher accident cover for the owner-driver, passengers, and paid driver.

Factors That Affect the Maruti Suzuki Baleno Car Insurance Price

• Variant, registration year, manufacturing year, and age of the Maruti Suzuki Baleno
• Registration location and applicable third-party premium rates
• Insured Declared Value (IDV) selected within the permitted range
• Type of policy, such as comprehensive, standalone own damage, or third-party insurance
• Add-ons* and voluntary deductible chosen
• Previous claim history and applicable No Claim Bonus (NCB)
• Declared accessories, modifications, and the permitted use of the vehicle

How to Buy Maruti Baleno Car Insurance Online?

1. Enter Your Details: Visit the SBI General Insurance website or mobile app and provide your vehicle and personal details to get a quote.
2. Choose Your Coverage: Select the type of motor insurance plan and add any optional add-ons* based on your requirements.
3. Review and Pay: Verify the policy details, complete the online payment, and receive your policy document digitally.

How to Renew Maruti Suzuki Baleno Car Insurance Policy?

1. Log In: Open the SBI General Insurance mobile app or website and sign in using your registered mobile number.
2. Select Your Policy: Go to the renewal section and choose the policy you wish to renew.
3. Review Your Details: Update your contact information or vehicle details, if required, and review your coverage.
4. Make the Payment: Complete the payment online and receive your renewed policy instantly via email.

Claim Process for Maruti Baleno Car Insurance

1. Register the Claim: Intimate SBI General Insurance through the website, mobile app, or customer support.
2. Provide the Required Details: Share your policy number and details of the incident.
3. Submit Documents: Upload or submit the required documents for claim assessment.
4. Vehicle Inspection: If applicable, the vehicle will be inspected by the surveyor.
5. Repair and Settlement: Once approved, get your Maruti Baleno repaired at a network garage, subject to the policy terms and conditions.

Why Choose SBI General Insurance?

• Cashless repairs at 8,700+ network garages across India for added convenience.
• A presence across 180+ locations, making assistance easily accessible.
• Trusted by over 14 crore customers for a wide range of insurance solutions.
• A quick and paperless process to buy or complete your Maruti Suzuki Baleno insurance renewal online.
• Easy claim registration and digital claim tracking to keep you updated throughout the process.
• A range of add-ons* that let you customise your Maruti Suzuki Baleno insurance based on your driving needs.

Conclusion