Maruti Suzuki Baleno Insurance

• Simple Claim Process

Filing a claim with TATA AIG is quick and straightforward. You can easily initiate a claim online or through the TATA AIG mobile app. Once registered, you’ll receive a link for self-inspection, and a surveyor will assist in assessing the damage. You can then choose to have your claim processed through reimbursement or a cashless claim.

• Roadside Assistance

With TATA AIG’s Roadside Assistance, help is just a call away. If your Maruti Suzuki Baleno faces a breakdown, this service provides towing, emergency fuel, tyre changes, and on-site repairs, available 24/7, so you’re always covered on the go.

• 5,900+ Cashless Garage Network

TATA AIG has partnered with 5900+ authorised garages nationwide for cashless repairs. This means you won’t need to pay upfront for repairs at these garages. TATA AIG directly settles the repair bills with the garage, making the whole process hassle-free for you.

• Zero Depreciation Cover (Bumper-to-Bumper Coverage)

With Zero Depreciation Cover, or Bumper-to-Bumper Coverage, you won’t have to worry about depreciation deductions. This means if your Maruti Suzuki Baleno is damaged, you’ll receive the full amount for repairs or parts replacement, just as it was when new.

• Retaining No Claim Bonus (NCB) from Previous Policy

TATA AIG allows you to retain your No Claim Bonus (NCB) from your previous policy, provided you’ve had a claim-free year. This helps reduce your premium at renewal, saving you money while keeping your Maruti Suzuki Baleno covered.

• Comprehensive Car Insurance

The Comprehensive Car Insurance policy from TATA AIG offers extensive coverage. This plan protects you against third-party liabilities as well as damages to your own vehicle. Coverage includes loss due to accidents, theft, natural disasters, and other unforeseen events. In the unfortunate event that your Maruti Suzuki Baleno is stolen or damaged beyond repair, the Insured Declared Value (IDV) will be paid to you as compensation. This ensures that you receive the market value of your vehicle, safeguarding you from financial loss.

• Standalone Own-Damage Insurance

If you already have a third-party car insurance policy, the Standalone Own-Damage Insurance policy is the ideal option for you. This policy covers damages to your Maruti Suzuki Baleno caused by accidents, natural calamities, or theft. However, it does not include third-party liability coverage. It’s a great choice for those who are looking to enhance their protection with a focus on their vehicle’s own damages.

• Standalone Third-Party Car Insurance

The Standalone Third-Party Car Insurance is the most basic coverage required by law in India. This policy covers third-party liabilities, including damage to third-party property, injuries or death of third parties, and medical expenses for third-party victims in the event of an accident. However, it does not cover damages to your Maruti Suzuki Baleno. It is mandatory for all vehicles on public roads and is a vital form of protection for any car owner.

• Bumper to Bumper (Zero Depreciation) Cover

Zero Depreciation Cover ensures that no depreciation is applied to the value of your car’s parts during a claim. You’ll receive the full claim amount for parts such as plastic, rubber, and fibreglass, which would otherwise be depreciated under standard policies.

• Roadside Assistance Cover

Roadside Assistance offers 24/7 emergency services, such as towing, flat tyre assistance, fuel delivery, and battery jump-starts. This service provides peace of mind, knowing that help is always available when you need it, regardless of your location.

• Engine Secure

Engine Protection Cover safeguards your car's engine and gearbox from damage caused by water ingression, oil leaks, and other such issues. This add-on ensures that your engine is covered in situations where it would typically be excluded in a standard policy.

• Consumables Cover

Consumables Cover reimburses you for the cost of consumables like engine oil, brake fluids, and coolant—items that are generally excluded in a standard policy. This add-on ensures that essential items are covered if they need to be replaced after an accident.

• Tyre Protection

Tyre Secure reimburses the cost of repairing or replacing tyres and tubes damaged in an accident. Whether the tyres are punctured or suffer damage, this add-on covers the expenses, so you're not left with the full cost.

• No Claim Bonus (NCB) Protection

With NCB Protection, you can retain your No Claim Bonus even after making a claim. This add-on ensures that you continue to enjoy premium discounts despite having filed a claim, preventing any premium increase due to previous claims.

• Personal Accident Cover for Passengers

Passenger Personal Accident Cover provides compensation in the event of accidental death or permanent disability of your passengers. It extends coverage to those travelling in your vehicle, offering protection for them in case of an unfortunate event.

• Key Replacement Cover

Key Replacement Cover covers the cost of replacing lost or stolen car keys, including any reprogramming charges for the security system of your vehicle.

• Daily Allowance

Daily Allowance Cover compensates you with a fixed daily amount if your car is in the workshop for more than three days due to a covered claim. This helps with the cost of alternate transport while your car is being repaired.

When you choose Tata AIG’s Maruti Suzuki Baleno Insurance, it’s crucial to understand the specific coverage provided. Below is a precise breakdown of inclusions and exclusions of Maruti Suzuki Baleno Insurance.

Things Covered under Tata AIG’s Maruti Suzuki Baleno Insurance:

• Accidental Damage

The policy covers damages to your Maruti Suzuki Baleno due to accidental incidents, including both own damage and third-party damages caused in the accident.

• Third-Party Liability

Tata AIG provides Third-Party Liability Insurance to cover legal liabilities for injury or death of third parties or damages to their property caused by your car.

• Theft or Total Loss

In the event of theft or total loss (damage beyond repair) of your Maruti Suzuki Baleno, the Insured Declared Value (IDV) will be reimbursed, which is the market value of the car at the time of the incident.

• Natural Calamities

The policy covers damage to your Maruti Suzuki Baleno caused by natural disasters such as earthquakes, floods, storms, cyclones, and landslides.

• Fire and Man-made Disasters

Loss or damage caused by fire, explosion, riots, strikes, terrorism, and other man-made disasters are also covered under the policy.

• Zero Depreciation Cover (Bumper-to-Bumper)

Known as Bumper-to-Bumper cover, this optional add-on ensures that your car's parts are replaced or repaired without depreciation deductions, covering their full replacement value.

• Roadside Assistance Cover

The Roadside Assistance Cover is available to provide help in case of emergencies such as flat tyres, fuel shortages, or breakdowns. This service includes towing and minor on-site repairs.

The Baleno is available in a price range of Rs 6.70 lakh to Rs 9.92 Lakh (Ex-showroom Delhi). You can choose from seven different colour options - Nexa Blue, Luxe Beige, Bluish Black, Grandeur Grey, Splendid Silver, Opulent Red and Pearl Arctic White.

The upgraded Baleno is a style statement on wheels. The enhanced fluid design features a bolder look thanks to the new 3D grille and aggressive front bumper. The two-tone precision cut alloy wheels, and animalistic fog lamps take the design to a whole new level.

The Baleno has 60:40 split rear seats, parcel shelf and extra boot space. In-car features include a touchscreen Smartplay studio that can be used to navigate, call or text. You can also control the Smartplay studio via your smartphone or voice commands. On the safety front, the Baleno is equipped with the NEXA Safety Shield, which includes a host of features, such as - A S with EBD, dual front airbags, seat belt pre-tensioners with force limiters, Suzuki-TECT body, pedestrian protection compliance and more.

The Baleno is built with the Next-generation Smart Hybrid Technology that offers advanced features and greater efficiency. The integrated starter generator with a lithium-ion and lead-acid battery enhances the drive. The torque-assist function and new BS-6 compliant 1.2-litre VVT and dual VVT petrol engine deliver exceptional performance with lower emissions and greater fuel efficiency.

The petrol manual transmission variants deliver a mileage of 21.01 kmpl, and the automatic variants offer 19.56 kmpl, while the petrol-electric hybrid delivers a mileage of 23.87 kmpl.

You can get a comprehensive Maruti Suzuki insurance of any make and model with TATA AIG. The premium cost of your Baleno insurance will depend on the Insured Declared Value (IDV) of the vehicle. The IDV for new cars is specified by the manufacturer and will differ across variants as well as different locations depending on the state, and local taxes.

To know the car insurance premium for your Maruti car insurance, speak to your local NEXA dealership and get an estimate on the IDV of the Baleno model you are interested in. You can then use the car insurance premium calculator on TATA AIG’s website to calculate your Maruti car insurance premium. The calculator allows you to adjust the premium cost based on the loan amount and tenure. Select the ideal amount that suits your budget and factor the Maruti Suzuki insurance cost in the total purchase cost of your new Baleno. The cost of Baleno car insurance could range from approximately Rs 6,000 to Rs 12,000 for the Baleno Sigma 1.2 (excluding GST) and approximately Rs 9,000 to Rs 19,000 for the top-end Baleno Alpha 1.2 AT (excluding GST).

TATA AIG offers a comprehensive third-party and own damage cover for your Baleno car insurance. You can even get discounted rates for purchasing your Maruti car insurance cover online. Additionally, you can avail of 13 different value-added add-on covers such as depreciation reimbursement, return to invoice cover, etc. that help you keep your car as good as new, even if you meet with an unfortunate accident.

TATA AIG also offers a No Claim Bonus (NCB) cover as a discount on your Maruti Suzuki insurance premium for two claim-free years, up to a maximum of 50% over a cumulative five-year period if no claims are made.

Purchasing or renewing your Maruti Suzuki Baleno car insurance with TATA AIG is a quick and simple process. By following a few easy steps, you can ensure your car is adequately covered for any unexpected events. Here’s a step-by-step guide to help you buy or renew your car insurance:

• Step 1: Get Your Premium Quote

Start by entering your car registration number in the premium calculator provided by TATA AIG. This tool will help you determine your baleno insurance price based on the details you provide. Simply select Get Price, and you’ll receive an instant premium quote.

• Step 2: Enter Car and Personal Details

Once you’ve received your premium quote, you’ll need to fill out the required car and personal details. This includes information such as your vehicle type, fuel type, and year of manufacture. Make sure to provide accurate details, as these factors can influence your premium. Afterward, select the coverage and any add-ons you wish to include in your policy.

• Step 3: Review and Pay

Once all the details are filled in, you will receive a breakdown of your car insurance price, including the total premium for your policy. If you're happy with the quote, proceed to pay your premium online using a secure payment gateway. TATA AIG ensures that your payment process is simple and safe.

• Step 4: Receive Your Policy Document

After completing the payment, you will immediately receive your Maruti Baleno car insurance policy document via email. This document can be printed or stored digitally for future reference.

• Step 5: Renewal Reminder

When it’s time to renew your Maruti Suzuki Baleno car insurance, you’ll receive a reminder from TATA AIG. You can easily renew your policy online by following the same steps as the initial purchase process. Renewing your policy ensures continuous coverage, so you’re always protected against any risks.

The Maruti Suzuki Baleno is one of the most popular ones in the hatchback segment. Maruti Suzuki has consistently sold over 10,000 units month on month since the brand’s launch in 2015. Here are some other popular cars in the same category:

• Maruti Suzuki Swift
• Hyundai Elite i20
• Toyota Glanza
• Tata Altroz
• Honda Jazz
• Volkswagen Polo

The Baleno is an all-round performer in the premium hatchback segment, and the extensive Maruti Suzuki service network only makes it a more attractive option to purchase. However, make sure you #ThinkAhead and choose the right variant with the right features for you and your family’s needs.

The registration charges are calculated as a percentage based on the IDV of the vehicle and the fuel type. Each state has different rules and fees for vehicle registration, but it usually ranges from 7% to 15% of the IDV for Baleno's price bracket. It’s best to ask your dealer about the registration charges applicable to your vehicle before you finalise the purchase.

Making a claim for your Maruti Baleno insurance with TATA AIG is a simple process. Here's a step-by-step guide to help you through it:

• Step 1: File a Claim

To start the claim process, you can either call TATA AIG at 022 6489 8282 or visit their Claims Support page online. After you submit your claim, you will receive a link for self-inspection to be completed via your mobile.

• Step 2: Inspection

Once you’ve completed the self-inspection, you’ll need to fill in details about the damage to your car on your smartphone or tablet. Additionally, a TATA AIG surveyor will inspect your Maruti Baleno to assess the damage.

• Step 3: Choose Your Repair Method

You have two options for how your car can be repaired:

Cashless Repair: Choose this option if you wish to use one of the TATA AIG network garages. With a cashless repair, you won’t need to pay upfront—the garage will directly bill TATA AIG for the repairs, and the amount will be adjusted against your sum insured.

Reimbursement Repair: If you choose to repair your car at a non-network garage, you can pay for the repairs first and then submit the repair bills to TATA AIG for reimbursement.

• Step 4: Documents Needed

To ensure a smooth and quick claim process, you’ll need to provide the following documents:

• Completed claim form

• FIR (in case of an accident or theft, if applicable)

• Policy details

• Identity and address proof

• Repair bills (for reimbursement claims)

It’s a good idea to have these documents ready when you file your claim.

• Step 5: Track Your Claim Status

Once you’ve submitted all the necessary information, you can track your claim’s progress online. TATA AIG offers a convenient way to keep you updated on the status of your claim, providing transparency throughout the process.

• Step 6: Claim Settlement

After reviewing your claim, TATA AIG will ensure that it meets all policy guidelines. Once everything is confirmed, they will settle your claim promptly, allowing you to get your Maruti Baleno back on the road.

• Cashless Claim Process

If you choose a cashless claim, you can visit any of TATA AIG’s network garages for repairs. You won’t need to pay anything upfront, as the insurance company will settle the payment directly with the garage. This makes the process easier and quicker for you.

• Reimbursement Claim Process

For reimbursement claims, you can take your car to a garage of your choice, pay for the repairs, and then submit the bills to TATA AIG for reimbursement. Once the surveyor confirms the details and your liability, the claim will be processed and the reimbursement initiated.