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Ertiga Car Insurance
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About Ertiga Car Insurance

Maruti Suzuki Ertiga is a seven-seat mini/compact MPV manufactured by Suzuki Motor Corporation and launched in India on 22nd April 2012 by its subsidiary Maruti Suzuki India Limited. The name Ertiga is an adaptation of the word 'R-Tiga', which in Indonesian means 'three rows', referring to the seating space in the car. The Ertiga is available in petrol, diesel, and CNG variants. It has been marketed by Suzuki as a "Life Utility Vehicle" specially designed for the Indian market with bigger families.

Features of Maruti Suzuki Ertiga

The Maruti Suzuki Ertiga is available in multiple variants and has dimensions of 4395mm x 1735mm x 1690mm. The wheelbase of 2740mm and the turning radius of 5.2m ensure the seamless movement of the vehicle. The Chrome Studded Front Grille, projector headlamps, multi-spoke alloy wheels, 3D LED Tail lamps to give an impressive exterior look to the car. At the same time, some interior features that stand out are its wooden finish sculpted dashboard, new age smart play studio, automatic climate control, and a second row adjustable AC.

Its latest Next-Gen variant is marketed as the only MPV in the segment that is fitted with S-CNG technology. The car is equipped with an intelligent injection system that provides maximum air-fuel ratio during combustion. With its entry into the green mobility systems, the Ertiga offers optimal performance, engine durability, and enhanced drivability, all without harming the environment.

The K-15 Petrol engine with Progressive Smart Hybrid Technology is available in automatic and manual transmission options. It delivers a seamless experience to the driver, and the dual battery set-up provides Idle Start-Stop, Brake Energy Regeneration and Torque assist functionality. All the variants are BS6 compliant.

Premium for Maruti Suzuki Ertiga Car Insurance

The premium rates for the car's insurance are dependent on the model variants and the insurance company, among others.

Refer the table below for an estimate of the Ertiga car's insurance premium rate, IDV and the cost of Zero Depreciation which will fall according to the different variants.

Car VariantPrice of the CarIDV*Zero Depreciation (Add on)*Premium (Basic)*
Ertiga Smart Hybrid LXIRs.7,59,000Rs.6,32,400Rs.3,162Rs.19,915
Ertiga Smart Hybrid VXIRs.8,34,000Rs.6,63,031Rs.2,984Rs.14,976
Ertiga VXI CNGRs.8,95,000Rs.6,85,721Rs.3,086Rs.15,623
Ertiga Smart Hybrid ZXIRs.9,17,000Rs.7,64,150Rs.3,821Rs.22,078
Ertiga Smart Hybrid VXI ATRs.9,36,000Rs.7,06,040Rs.2,318Rs.23,442
Ertiga Smart Hybrid ZXI+Rs.9,71,000Rs.8,07,500Rs.4,038Rs.22,789
Ertiga Smart Hybrid ZXI ATRs.10,13,000Rs.8,45,750Rs.4,229Rs.22,417

*The values are calculated on the basis of the city (Delhi) and year of registration (2020).

Inclusions & Exclusions of Maruti Suzuki Ertiga Car Insurance

Inclusions:

Damage caused by the following reasons is included in the policy:

  • By fire explosion, self-ignition or lightning;
  • By burglary, housebreaking or theft;
  • By typhoon, flood, hurricane, hailstorm or frost;
  • By riot and strike;
  • By malicious act;
  • By earthquake (fire and shock damage);
  • By terrorist activity;
  • By accidental external means;
  • Whilst in transit by rail, inland waterway, road, elevator or air;
  • By landslide/rockslide

Exclusions:

  • Consequential loss, depreciation, wear and tear, electrical or mechanical breakdown, failures or breakages.
  • Damage to tubes and tyres.
  • Any accidental loss or damage suffered while the driver is under the influence of intoxicating drugs or liquor.

Add-ons Features

Paying extra on your basic premium will help you include some of the exclusions as part of your comprehensive car insurance policy. These exclusions come in the form of add-ons, such as:

  • No Claim Bonus Retention is an add-on that allows the insured to retain the No Claim Bonus even after making a claim (only 2 are allowed) in your existing policy, provided the policy is renewed from the same insurer.
  • Zero Depreciation Cover is a bumper-to-bumper cover which will cover all parts of the car except for tyres and batteries, without considering the year-on-year depreciation of the parts.
  • Key and Lock Replacement covers the cost to replace our keys if they are stolen.
  • Medical Expenses cover which reimburses the expenses for the treatment of passengers in case of accidents.
  • Daily Cash Allowance add-on in which the insurer provides the insured with daily cash to cover all sundry costs.
  • Invoice Price Cover that provides the entire original value of the price and not the IDV in case of theft.

Maruti Suzuki Ertiga Renewal Process

If you wish to renew your Maruti Suzuki Ertiga's car insurance, then PolicyX.com is the best platform to do it. For instant renewal, scroll up on this page and look for the form on the right-hand top corner. The next few steps from there are:

  • Enter the registration number of your car and click on 'Get Quotes'. Alternatively, you can also click on "Proceed without your car number" and enter the details (such as the Car Make, Variant, RTO Code, and Reg. Year) and select the "Renewal" radio button before you click "Continue".
  • You select your current car insurance plan or choose to opt for another suitable option from the provided list of quotes.
  • After selecting it, you will be taken to the payment page of the insurance provider's online portal.
  • Make the payment and the car insurance policy will be emailed to you in a few minutes.

Maruti Suzuki Ertiga Car Insurance: FAQs

1. My Ertiga Car broke down in the middle of the highway while I was travelling. Would the charges incurred in towing it be covered under my insurance?

For towing charges, you will have to opt for the 24x7 Road assistance add-on.

2. We were on our way to our hometown in our Ertiga. One of our luggage bags got stolen while we were having lunch at a restaurant. Can I submit a claim for the loss?

Yes, you can submit the claim provided you have the Loss of Personal belongings cover along with your insurance policy.

3. While taking the insurance policy for my Ertiga car, can I pay using a cheque with a date later than that of the policy date?

No. Under Section 64B of the Insurance Act, the date on the cheque should be the same as the policy issuance date.

4. I met with an accident and took my Ertiga car to a non-dealer workshop for repair. What document should be submitted for processing the claim?

The following documents need to be submitted:

  • Claim Form duly signed by the Insured
  • Policy Copy
  • Registration Card Copy
  • Driving License Copy
  • Permit & Fitness Certificate (in case of Taxi / commercial registered vehicles)
  • Claims Discharge cum Satisfaction voucher signed across a revenue stamp.
  • PAN Card Copy
  • FIR (in case Third Party damage/injury is involved)
  • Aadhar Card Copy

Last updated on 22-04-2020