Car Insurance For Suzuki Baleno

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Quick Quote for your Car Insurance

I hereby authorize HDFC ERGO General Insurance to contact me before 10pm. I agree that this consent will override my NDNC registration.

Need Help? Talk to our experts 022-62426242

Introduction
What's included?
What's not included?
Add-on covers
FAQs

Maruti Suzuki Baleno Car Insurance

Suzuki resurrected the ‘Baleno’ model name with its premium hatchback that was launched in 2015. The Baleno which was the second car to be retailed from Maruti Suzuki’s premium sales outlet Nexa, has managed to script another success story for the Indo-Japanese car maker in the country.

Featuring constantly in the list of top-selling cars in the country, the Maruti Suzuki Baleno, impresses us with its roomy cabin and the list of features on offer. Other USPs includes fun-to-drive yet economical engines on offer – a 1.2-litre petrol and a 1.3-litre diesel. Both the motors come paired to 5-speed manual gearboxes. These motors have a claimed fuel efficiency figure of 21.4 and 27.4 km/l, respectively. The 1.2-litre petrol on the other hand, gets an option of a CVT automatic gearbox which delivers a claimed fuel efficiency figure of 21.4 km/l.

Based on the new lightweight ‘Heartech’ platform, Maruti Suzuki Baleno, offers class-leading interior space and boot capacity. Maruti Suzuki has upped the game with the quality of materials used, fit and finish and the features on offer with the Baleno, making it a serious contender in the premium hatchback segment. Notable features on offer are - a 7-inch ‘SmartPlay’ infotainment system with supports Android Auto and Apple CarPlay, reverse camera, engine start/stop button and projector headlamps with LED-Daytime Running Lamps (DRLs).

On the safety front, as standard, Maruti Suzuki is offering dual-airbags, Anti-lock Braking System (ABS), Electronic Brake Distribution (EBA) with Brake Assist (BA) and ISOFIX child seat mounts.
In the highly competitive premium hatchback segment, the Maruti Suzuki Baleno rivals the Hyundai Elite i20, Honda Jazz and the Volkswagen Polo in India. Also a good Car Insurance Plans for Maruti Suzuki Baleno can offer much-needed financial protection in case of an accident.

Reasons to buy HDFC ERGO Maruti Suzuki Baleno Car Insurance

80% of our car claims are settled the same dayˇ

Why look elsewhere, when amazing quotes are just a click away?

Go Cashless! With 8000+ Cashless Garages

8000+ Network Garages spread all over the country, isn’t that’s a huge number? Not just this, we let you register a claim via IPO app & website & we approve your claims within 30* Minutes.

Why Limit Your Claims? Go Limitless!

HDFC ERGO opens doors to unlimited claims! Though we believe you’ve been driving cautiously, however in case of any claim you wish to register, we do not restrict you.

Overnight Car Repair Services

We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step.

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What's Included in Maruti Suzuki Baleno Car Insurance?

Accidents

Accidents are uncertain. Did your maruti suzuki baleno car get damaged due to an accident? Don’t panic! We cover it!

Fire & Explosion

Boom! Fire may hamper your car partially or totally, whatsoever be the loss due to Incidents of fire and explosion. Do not worry we can handle it.

Theft

Car got stolen? Sounds quite unfortunate! Before you fret over it, let us inform you we will secure it!

Calamities

Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favourite car. Read More...

Personal Accident

You can skip this cover, if you have an alternate personal accident policy of Rs 15 LakhsRead More...

Third Party Liability

In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverages to Read More...

What’s not included in Maruti Suzuki Baleno Car Insurance?

Depreciation

We do not cover depreciation in the value of the car

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our car insurance policy

Illegal Driving

Your car insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol Read More...

ADD On Covers under Maruti Suzuki Baleno Car Insurance

Maruti Suzuki Baleno Car Insurance-Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Usually, your car insurance policy will only pay you the claim amount after deducting the depreciation amount. Your policy wordings will contain the details of depreciation. So, what can you do to get the entire amount? There is a way out! The zero-depreciation cover! With zero depreciation, there are no depreciation cuts, and you get the entire amount in your hands !

How does it Work? If you car is damaged and the claim amount is Rs 15,000, out of which insurance company says that you may have to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the car insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

Maruti Suzuki Baleno Car Insurance-No Claim Bonus Protection

There’s a way you could protect your NCB

In case of claim for damage caused due to external impact, flood, fire etc to a parked vehicle or damage to windshield glass, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to next NCB slab.

How does it work? Consider a situation wherein your parked car gets damaged due to collision or any other calamity, No Claim bonus protection shall keep your NCB of 20% protected for the same year and take it smoothly to the next year slab of 25%. This cover can be availed upto 3 claims during the entire policy duration.

Maruti Suzuki Baleno Car Insurance-Emergency Assistance Cover

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car! The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

How does it work? Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.

Maruti Suzuki Baleno Car Insurance-Return to Invoice

Offers the differential amount between the IDV and the Invoice value of the vehicle

What could be more devastating than discovering one fine day that your car has been stolen or faced a total damage? Your policy will always pay you the IDV (Insured Declared Value) of your vehicle. The IDV is equal to the current market price of the vehicle. But, with a return to invoice add-on, you get the difference between invoice value and IDV as well! You have to ensure that an FIR has been filed and the car was not recovered within 90 days after the incident .

How does it Work? If you have purchased a vehicle in 2007 and the purchase invoice was Rs 7.5 lakhs. After two years, the Insured Declared Value (IDV) would be Rs 5.5 lakhs and is damaged beyond reapir or is stolen then, you will get the original purchase invoice Rs 7.5 lakhs. In addition to this, you will get registration charges & applicable taxes as well. Excess/dectucible as per the policy schedule will have to be borne by you.

Maruti Suzuki Baleno Car Insurance-Engine & Gear Box Protector

Protects your car engine damage when water enters the engine during rains or flood

Be it the downpour of rains or the rushing flood waves, your vehicle's gearbox and the engine remains wrapped in the protective coverage of engine and gearbox protection cover! It pays for the replacement or repair of all the child parts or internal parts. Moreover, it further covers the labor costs, cost of compression tests, machine charges and engine cylinder re-boring.

How does it Work? Imagine on a rainy day due to accident, if there is damage to the engine/gear box and chances are that engine oil will start leaking. In such a situation, if you continue to drive the vehicle, engine will get seized. Such damage is a result of a consequential loss which is not covered under the standard motor insurance policy. With this Add-on cover your car’s internal parts of engine and gearbox remains protected.

Maruti Suzuki Baleno Car Insurance-Key Replacement cover

Lost/stolen keys? The key replacement cover helps you!

Did your keys get stolen or lost? This add-on will help you get the replacement keys as soon as possible!

How does it work? If you have lost or misplaced your car keys this add-on cover will act as a saviour.

Maruti Suzuki Baleno Car Insurance-Cost of Consumable Items

Here is a consumable items coverage that covers all the consumables used in your car! Yes! You need this right now! It pays for all the non reusable consumables such as nuts, bolts....

How does it work? If your car faces an accident and needs repairs, under such a scenario the non-reusable consumables may have to be bought again to fix your car. Parts such as washers, screws, lubricants, other oils, bearings, water, gaskets, sealants, filters, and much more are not covered under the motor insurance cover & the cost is to be borne by the insured. With this add on cover we pay for the cost of such consumables and let you take it easy.

Maruti Suzuki Baleno Car Insurance-Loss of Use - Downtime Protection

Paid the Cabs While Your Car Was On Repair? Downtime Protection Is Here! Provides a cash allowance benefit incurred by the customer for use of other means of transport for daily conveyance .

How does it work? So, your vehicle got involved in an accident, and it is given for repair works! Sadly, you are left without a vehicle to travel and end up paying the cabs more! But, did you know that the loss of use-downtime protection can cover all the expenses made on cabs? Yes! It will as mentioned on the policy schedule!

Secure your car today!

Renewal Process

Renewal of your car insurance online on HDFC ERGO is quick and simple. It will require minimal paperwork. All you need to do is Click Here and give details of your expiring policy online, go through the details of the new policy, and make an instant online payment through multiple secured payment options. That’s it!

Simple procedures, quick dispersal, and unique benefits are what you get when you buy Suzuki Baleno Car Insurance Online from HDFC ERGO. So, if after any unforeseen mishap, you wish to get back to the driving seat safe and soon, then choose HDFC ERGO as your insurance partner!

Claims Process

This is something that may seem difficult to understand to most of you. However, HDFC ERGO has well busted the myth. It has made the claim process swift, smooth, and simple. All you need to do is just register your claim via its mobile app, HDFC ERGO Insurance Portfolio Organizer (IPO) or toll free number, 022 6234 6234.Click Here to know details on claim process.

FAQs on Car Insurance

1.What is car insurance?

Car insurance is a type of insurance policy required to provide protection to your vehicle against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to use of your vehicle is covered under car insurance. As per the Motor Vehicle Act, it is mandatory to buy a liability only policy without which one cannot use the vehicle on road.

2.What is a comprehensive car insurance policy?

A comprehensive insurance policy provides protection to your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.

3.Should I buy a comprehensive or a third party car insurance cover?

As per law, only third party liability only policy is required without which one cannot use the vehicle on road. However, under third party liability only policy, any damage to your vehicle due to fire, theft, earthquake, terrorism etc is not covered and it could result into a huge financial loss. Therefore, it is recommended to buy a comprehensive cover as it provides financial protection along with protection from third party liability.

4.What are the various types of car insurance policies?

There are two type of car insurance policies – comprehensive and liability only policy

5.What are the various long term policies available for car insurance?

As per the Supreme Court directive, with effect from 1st Sept, 2018, every brand new car owner has to buy a long term policy. You may choose from the following long term policies for your prized possession:

Liability only policy for 3 years policy duration
Package policy for 3 years policy duration
Bundled policy with 3 years liability cover and 1 year cover for own damage

6.Is car insurance policy mandatory?

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.

7.What is Zero depreciation cover or bumper to bumper coverage under car insurance?

Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your vehicle without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charges and will be eligible for full claim amount subject to terms and conditions of the policy.

8.How does emergency assistance programme work under car insurance?

Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like assistance in case of breakdown, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits.

9.What is No Claim Bonus?

Quite simply, it's a discount in the Own Damage Premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents.

All types of Vehicles	% of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance	20%
No claim made or pending during the preceding 2 consecutive years of insurance	25%
No claim made or pending during the preceding 3 consecutive years of insurance	35%
No claim made or pending during the preceding 4 consecutive years of insurance	45%
No claim made or pending during the preceding 5 consecutive years of insurance	50%

10.What happens when I wish to renew my expired policy?

You can easily renew your expired policy online. You need to download Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.

11.What happens to my No Claim Bonus while renewing an expired policy?

No Claim Bonus is valid up to 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.

12.What is IDV? What are the factors deciding IDV?

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and the model of the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.

AGE OF THE VEHICLE	% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

13.What are the benefits of buying car insurance online?

No paperwork and physical documentation are required and you will get your policy instantly.

14. What will happen when you sell your car?

Existing insurance policy can be transferred in the name of buyer by passing an endorsement. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery shall be required to pass an endorsement under the existing policy.
or
You may cancel the existing policy. Supporting documents like sale deed/form 29/30 shall be required to cancel the policy.

15.How can I transfer my No Claim Bonus to a new vehicle?

Existing vehicle has to be sold off on the basis of which an NCB reserving letter would be issued by the existing insurer. On the basis of the NCB reserving letter, this benefit can be transferred to the new vehicle

16.What is the procedure to transfer my insurance?

You need to approach the insurer with supporting documents for transfer of insurance. Supporting documents would include sale deed/form 29/30/NOC of seller, Old RC copy, Transferred RC copy and NCB recovery amount.

17.How do I renew my expired car insurance policy?

You can easily renew your expired policy online. You need to download HDFC ERGO Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.

18. How can I register a claim if I have a HDFC ERGO Car Insurance policy?

You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app

19. What is the procedure to register a new claim?

You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app

20. How much time will it take to repair minor damages?

With Overnight Repair Facility, repair of minor damages shall be completed overnight. Facility is available only for private cars and taxis. Process for overnight repair facility is mentioned below

Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).
Our team will reach out to the customer and request for vehicle damage photos.
Damages limited to 3 panels will be accepted under this service.
Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.
Customer saves on the time they have to spend on driving to and back from the garage.
Currently this service is available in 13 selected cities which are Delhi, Mumbai, Pune, Nagpur, Surat, Vadodara, Ahmedabad, Gurgaon, Jaipur, Hyderabad, Chennai, Kolkata, and Bangalore.

The claim process was so easy for me. I will surely stick with HDFC Ergo for my cars and bike insurance.