Isuzu D Max V Cross Insurance
Isuzu D Max V Cross Insurance
Isuzu is famous for manufacturing 4×4 powerful pickup trucks across the globe. And the D Max V Cross is one of the comparable products in this Japanese automaker's lineup. D Max is ideal for those who value utility and mileage over a luxurious interior. However, after being discontinued in 2020 due to failure to meet BS-VI emission standards, the company reintroduced this model in 2021 with various upgrades.
Although the Isuzu D Max V Cross is a dependable model, if you own its discontinued version, you may face various financial risks. Therefore, secure your drive in this car with comprehensive insurance or purchase third-party coverage and supplement it with standalone own damage insurance.
Isuzu car insurance in India protects this vehicle against both man-made and natural disasters. It includes riots, vandalism, earthquakes, tsunamis, cyclones, and fires. Your insurer will compensate you up to the insured declared value in the event of theft or a severe collision that causes irreparable damage. Furthermore, if a third party sustains an injury or your car damages their property, it is the responsibility of the insurer to bear the legal liabilities.
Isuzu Car Insurance Renewal/Buy via Tata AIG
Isuzu D Max V Cross, the muscular pickup truck, is among the most dependable four-wheelers in India. But because there are not many showrooms or service centres for this brand in the country, any major mishap requiring parts replacement will be significantly costlier. Insurance comes in handy in this situation. Furthermore, Isuzu D Max car insurance is mandatory by law.
If you own this car but are not taking it out on the road because it lacks insurance, check out the following steps to get instant coverage with Tata AIG.
- Visit Tata AIG's website and navigate your cursor on the Isuzu four-wheeler insurance page.
- You can now see on your screen the two choices– "Get Price" and "Renew."
- New AIG customers are required to click on the "Get Price." Then on the next page, input your registration number. After that, tap the "Get Price" icon.
- If you are an existing customer with lapsed policy, click the "Renew" tab. Now on the next webpage, input your registration number, and after that, tap the "Renew" icon.
- Next, fill out your insurance renewal application form with relevant details.
- Determine Isuzu's insured declared value (IDV). You can arrive at this amount manually or using a calculator. Choose the output from the drop-down list.
- Provide your previous year's claim details, if any. If you have not filed a claim before, the accumulated NCB reward can help you get a discount ranging from 20-50%.
- Your screen will display the premium applicable to your Isuzu car. You can also select add-ons at this step, but this will raise the policy cost accordingly.
- Finally, make a payment by picking one of the various digital payment methods that appear on the screen.
Soon after the Tata AIG team acknowledges your payment, they will share the policy softcopy to your registered mail address. You have other options also for renewing Isuzu's car insurance. Visit AIG's branch in your city or contact a registered motor insurance agent. Fill out the offline form, complete the documentation process, pay the fees, and receive coverage for your car. Remember that purchasing offline is expensive due to the complexity of the paperwork and the involvement of a middleman.
Isuzu D Max V Cross Insurance Cost – Your Premium Amount
Isuzu D Max V Cross insurance is of three types: own damage (OD), third-party liability, and comprehensive insurance. The OD policy provides financial protection against Isuzu body damage and can only be purchased if you have valid third-party insurance. The bare minimum policy, or third-party liability, protects you against financial loss if your Isuzu causes property damage or physical injury to a motorist or pedestrian. In contrast, comprehensive coverage includes a portion of both previous policies.
The premium for third-party liability cover in your comprehensive insurance is set by the Insurance Regulatory Development Authority of India (IRDAI). The price is determined by the regulator based on the cubic capacity of the car's engine. Your insurer can only set the premium for the OD coverage portion. They decide on the price after considering the make and model, registration city, manufacturing year, and IDV.
The IDV is the maximum compensation you will receive if your Isuzu is irreparably damaged or stolen. The term denotes your vehicle's current market value. You can calculate this amount using the Tata AIG website's IDV calculator or manually subtract depreciation from the original sales invoice. The higher the IDV, the higher will be the insurance costs and vice versa.
Add-ons for Isuzu D Max V Cross Insurance by Tata AIG
Road accidents are becoming increasingly common in India. Many factors lead to this, including rash driving by motorists, pedestrians who are careless when crossing roads, open manholes, and numerous potholes on the road. If such things cause damage to your Isuzu, repairing it will put a strain on your finances. Car insurance protects against this, but there are many situations where your standard policy falls short. For example, if your engine has a leak or you have misplaced your car keys, the insurer will only assist you if your policy is supplemented with a rider.
Riders are optional coverage you can purchase for a small fee in addition to the insurance premium. The availability of add-ons varies by insurer. In the case of Tata AIG, you will find twelve riders in their lineup. These are–
- Roadside assistance cover
- Add-on for No Claim Bonus protection
- Daily allowance cover
- Key replacement cover
- Add-on for emergency hotel expenses and transport
- Add-on for repairs of plastic, glass, and fibre parts
- Engine secure cover
- Tyre secure cover
- Add-on for consumables expenses
- Rider for loss of personal belongings
- Return to invoice cover
- Zero depreciation cover
Things Covered and Not Covered under Tata AIG’s Isuzu Car Insurance
Different insurers provide different coverage at varied premiums. Their claim settlement process, add-on availability, and qualifying conditions are all different. It is critical to conduct a thorough comparison of each lender's offerings. Discover which events they cover and which they do not. If you want to insure your Isuzu with Tata AIG, you don't need to search the internet; only look at the table below to understand the scope of coverage.
| What is covered? | What is not covered? |
|---|---|
| Isuzu car insurance will cover claims resulting from floods, earthquakes, cloudbursts, typhoons, cyclones, landslides, and other natural disasters. | Your Isuzu insurance does not cover claims for normal wear and tear, technical failures, consequential damages, or electrical faults. |
| Your policy will reimburse repair bills arising from self-ignition, lightning, explosion, and fire-related damages. | Your Isuzu four-wheeler insurance does not cover damage sustained while driving in an area not covered by the policy. |
| Tata AIG will cover claims resulting from vandalism, terrorist attacks, riots, and other manmade disturbances. | None of Tata AIG's insurance policies covers mutiny, nuclear perils, or damage caused by a warlike situation. |
| You will receive compensation for theft-related claims only if your entire Isuzu is stolen. The loss of a spare component, such as a tyre, information, or seat cover, is subject to a policy exclusion. | If your Isuzu is used for racing, speed testing, or illegal activities, any damage caused by such acts is subject to AIG's motor insurance exclusion. |
| Tata AIG covers loss in transit, and if your Isuzu sustains damage while being transported to another city, you will receive reimbursement for such claims. | Tata AIG will deny damage-related claims if you have only the bare minimum policy and no coverage for your car's own damage. |
| Tata AIG comprehensive insurance includes coverage for third-party liability. If your Isuzu causes property damage or bodily harm to another person, your policy will cover the legal liabilities. | If your Isuzu driver was found to be drunk driving above the legal limit or under the influence of narcotics during the accident, expect your insurer to deny the claim. |
| The personal accident add-on to your motor insurance provides financial assistance in the event of injury or death. Depending on the circumstances, the insurer may release the payout to the policyholder's account or the beneficiary's account. | If your Isuzu driver is discovered to be driving without or with an invalid driver's licence on the scene of the accident, Tata AIG will deny the claim. |
Why is it Important to Have Tata AIG for Your Isuzu D Max V Cross Insurance?
The Isuzu D Max V Cross is not your typical commuter four-wheeler. The risk of driving this car differs from that of others. If you want to give this car complete financial protection through insurance but are unsure which insurers to go with, here are five reasons why you should go with Tata AIG.
- Tata AIG is one of the most dependable names in the automobile insurance industry. It has over five crore satisfied clients, and it is continuously increasing its support team for better services and better reachability.
- The company has one of the industry's best claim settlement ratios (98%). All thanks to its simplified car insurance claim submission process and an experienced support team of over 650 claim executives.
- You can boost your policy's coverage with Tata AIG by choosing from twelve different riders. Examine your requirements as per your driving abilities and the location where you drive, and select only the necessary ones.
- You can save up to 50% on your Tata AIG premium. All you have to do is avoid claims by driving cautiously and accumulating NCB year after year.
- Regardless of where your car is damaged, you can get free repairs at over 7500 cashless garages with Tata AIG.
Overview - Isuzu D Max V Cross Model
Isuzu is well-known for its pick-up trucks. Its notable model- D Max V Cross, discontinued in 2020 due to emission standards, was relaunched in 2021 in compliance with the law. The truck has a four-cylinder inline engine with VGS turbo inter-cooled diesel and DOHC technology. It further has a drivetrain of AWD and 4WD with a six-gear transmission. The front suspension of this Isuzu model has an independent double Wishbone with a coil spring, and on the rear, you will notice a soft ride with a leaf spring.
Other technical aspects of Isuzu D Max V Cross include the following.
- ARAI claimed mileage of 14.40 km/l
- Engine displacement size of 1898 cc
- Maximum torque of 360 Nm @ 2000 rpm
- Maximum power of 161 bhp @ 3600 rpm
- Ground clearance of 220 mm
- Kerb weight of 1955 kg
Isuzu D Max V Cross Car Price in India and its Variants
The D Max V Cross is available in four versions. This pickup truck is sold in the following shades: Nautilus Blue, Silver Metallic, Black Mica, Red Spinel Mica, Sapphire Blue Mica, and Galena Grey. D Max's base model is the Hi-Lander, and its exclusive showroom price is Rs 19,48,000. The top model, Z Prestige 4x4 AT, costs ₹26,95,000. It is important to note that mandatory charges such as road tax, registration fees, and insurance are not included in the prices listed.
| Variant | Price |
|---|---|
| D-Max Hi-Lander | ₹19,48,000 |
| D-Max V-Cross Z 4x2 AT | ₹22,96,000 |
| D-Max V-Cross Z 4x4 MT | ₹23,44,000 |
| D-Max V-Cross Z Prestige 4x4 AT | ₹26,95,000 |
Unique Selling Points: Isuzu D Max V Cross Car Features
The relaunched D Max model includes a slew of high-end features, which serve as the model's unique selling point. These are–
D Max V Cross' safety features include an overspeeding warning (regular beeps if speed exceeds 120 km/h), two airbags, child seat anchor points, brake assist, and ABS and EBD system.
The interior is made more comfortable by front cabin lamps, a 9-inch touchscreen display, an integrated music system with six speakers, and AUX, Bluetooth, and iPod compatibility.
Other features in this pickup truck include chrome outside rearview mirrors, power windows, a rear defogger, and chrome-finished exhaust pipes.
Rivals of Isuzu D Max V Cross
D Max V Cross is a pickup truck with little direct competition. However, some noted models that may not have much space in the backyard to carry heavy loads but share a few comparable features are detailed below.
- Toyota Hilux
- BYD e6
- Jeep Compass
- MG ZS EV
- Toyota Innova Crysta
- Tata Nexon EV Prime
- Tata Nexon EV
- Tata Harrier
- Tata Nexon EV Max
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Related Articles
How can I raise my Isuzu D Max V Cross Insurance claim?
How can I raise my Isuzu D Max V Cross Insurance claim?
The D Max V Cross claim process varies between insurers. But if you have secured your drive with Tata AIG, you can get the settlement for repair bills by following the four simple steps outlined below.
Visit Tata AIG's official website, jump to the claim section on the motor insurance page and fill out the claim form with mandatory information such as FIR details (necessary in case of theft/accident), car registration number, and policy specifics.
Once the AIG executives receive your claim request, they will send a surveyor to the accident site to assess the extent of the damage.
After completing the survey, tow your Isuzu to the nearest garage and have the faults fixed.
Lastly, the support team will review the report, after which the claim will be processed.
The settlement process varies for cashless and reimbursement claims. If your claim request is for reimbursement, you will receive funds in your account within 4-5 business days. If it is cashless, your car will be repaired for free, and the bill will be settled directly with the network garage.
What factors affect Isuzu D Max V Cross Insurance price?
The insurance premium for an Isuzu D Max V Cross varies depending on the owner. The reason is the specifics of cost-influencing factors differ for each Isuzu owner. These are–
- Manufacturing year
- Model and variant
- Sum-insured amount
- Place of registration
- Voluntary deductible amount
- Number of add-ons purchased
- Mode of insurance renewal/purchase
How can I reduce the cost of my Isuzu D Max V Cross Insurance price?
You can lower the premium costs by working on variables that reduce the insurer's liability during claim settlement or lower claim submission frequency. Among these are–
- Install an anti-theft device on your D Max V Cross to protect your pickup truck from theft while limiting occurrences of claim submissions.
- Follow traffic laws and keep an eye on your speed. It will assist you in avoiding road mishaps and associated claims while allowing you to accumulate NCB up to 50%.
- Go for a higher voluntary deductible with the understanding that it will increase your liability proportionally during claim submission.
- Refrain from aftermarket modifications. Such alterations reduce mileage, degrade performance, and raise the premium.
- Choose your riders wisely, and only choose the ones relevant to your needs; otherwise, your premium will be unnecessarily high.
How can I reduce the cost of my Isuzu D Max V Cross Insurance price?
You can lower the premium costs by working on variables that reduce the insurer's liability during claim settlement or lower claim submission frequency. Among these are–
- Install an anti-theft device on your D Max V Cross to protect your pickup truck from theft while limiting occurrences of claim submissions.
- Follow traffic laws and keep an eye on your speed. It will assist you in avoiding road mishaps and associated claims while allowing you to accumulate NCB up to 50%.
- Go for a higher voluntary deductible with the understanding that it will increase your liability proportionally during claim submission.
- Refrain from aftermarket modifications. Such alterations reduce mileage, degrade performance, and raise the premium.
- Choose your riders wisely, and only choose the ones relevant to your needs; otherwise, your premium will be unnecessarily high.
Is the Isuzu D Max V Cross a good car?
Yes, Isuzu is a notable brand, and its D Max V Cross is ideal if your job requires you to transport goods or carry loads of boxes to the workplace. The car can seat five people, making it ideal for family trips. Furthermore, given the price at which this car is sold and the mileage it provides, you should consider adding it to your garage.
How can I renew my Isuzu D Max V Cross car insurance with Tata AIG?
Tata AIG provides instant renewal. You can complete the purchasing or renewing process through a registered agent, a branch office, or online. In the online process, a short application form is filled out with relevant information, after which you will receive a quotation, and instant cover will be provided after payment. The online process is hassle-free as compared to the offline process.
What is the starting price of the Isuzu D Max V Cross?
The Isuzu D Max V Cross was available with both manual and automatic transmission diesel engines. The base model of this vehicle is the D-Max V-Cross Standard, and its last known price was ₹16,55,000. The top model, Z Prestige, costs ₹19,99,000. This discontinued model is available at a lower cost from a used car dealership. However, inspect its condition and purchase insurance to avoid financial loss during road uncertainty before purchasing.
Is it mandatory to buy insurance cover for Isuzu D Max V Cross Car?
Yes absolutely. According to the Motor Vehicle Act of 1988, no vehicle that is equipped with an engine can be driven on public roads without third-party liability insurance (bare minimum insurance). Third-party insurance only protects you financially from legal liabilities resulting from damage to third-party property or bodily injury caused by your car. The recommendation is to get either comprehensive four-wheeler or OD insurance to supplement third-party coverage.
What does Isuzu D Max V Cross Car Insurance No Claim Bonus mean?
Other Topics
