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Omni Car Insurance

Omni from Maruti Suzuki is an all-purpose car and a favourite for families and businesses. The micro van from Maruti was as popular as the Maruti 800. It could be used to ferry passengers as well as goods and is used as mobile shops and eateries. It was launched as the Maruti van in 1984 and was named Omni in 1988. Even though the car continued to be popular, Maruti announced that it was stopping production of the Omni from 2019 April onwards due to enhanced safety norms.

Key Features of Maruti Suzuki Omni

The Omni is available in Petrol as well as CNG variants. The micro van has an engine of capacity 796 cc. It is available in 5 seater and 8 seater options with a spacious boot space of 210 litres. The Omni provides a mileage of 19.7 km/l with fuel consumption in the city being 13 km/l.

The Omni has 4-speed manual transmission and the fuel tank capacity is 36 litres. The micro van can reach a top speed of 95 km/hr. The Omni has booster-assisted disc brakes in the front with drum rear brakes. 

The key features of the Omni include:

  • Tachometer
  • Manual steering
  • Glove compartment
  • Tubeless radial tyres
  • Brake assist
  • Adjustable seats
  • Engine immobilizer
  • Child safety locks. 

Premium for Omni Car Insurance

Buying insurance is a must to protect yourself and your Omni. The car premium for your Omni would depend on the variant, the date on which the car was registered and the RTO where it was registered (among others). The following table provides an indication of the premium for different variants of the Omni:

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

Maruti Suzuki Omni 786cc Petrol 5-seater

Rs.2,65,000

Rs.1,75,099

Rs.2,151

Rs.4,472

Maruti Suzuki Omni 786cc Petrol 8-seater

Rs.2,84,000

Rs.1,75,099

Rs.2,151

Rs.4,472

Maruti Suzuki Omni 786cc CNG 5-seater

Rs.4,39,777

Rs.1,84,549

Rs.2,246

Rs.5,549

*The prices are calculated for a 2018 Omni car registered in New Delhi. 

Inclusions & Exclusions of Omni Car Insurance

Inclusions

  • Any injury caused to a third party is covered by the policy and compensation would be provided as per the policy.
  • Damages caused to the property belonging to a third party are included in the policy.
  • Damages to the car as a result of an accident can be claimed under the terms of this policy. 
  • Personal injuries to the policyholder, driver and co-passengers can be compensated as per the policy.
  • In case of theft of the car, the losses suffered can be claimed under the policy.
  • Any damages caused by natural calamities like floods, earthquakes, and landslides are included in the policy.
  • Man-Made hazards like riots (except where the policyholder was involved), fire, vandalism, and terrorist attacks are included.

Exclusions

  • General wear and tear of the car.
  • Mechanical and electrical breakdown of the car is not covered under the policy.
  • Driving the car for an illegal purpose or driving the car while under the influence of alcohol or drugs will result in a claim being denied.
  • The car cannot be used for racing or any commercial purposes.
  • Accessories, consumables, damage to the engine and tyres are excluded from the scope of this policy.
  • Any loss due to war, hostilities, invasion, or nuclear war would be excluded.
  • Any deliberate damage to the car is excluded.
  • Consequential damages due to the action of the driver or a third party are excluded. 

Add-ons Benefits

Getting add-ons are recommended as they increase the scope of your policy. Here are some of the add-ons you can consider taking for your Omni:

  • Zero Depreciation cover :ensures you get bumper-to-bumper coverage for your Omni. With this cover, depreciation will not be calculated for your car parts at the time of making a claim.
  • Key & lock replacement :is an add-on that allows you to claim the costs involved in replacing your Omni key/lock, in case you lose your car key or it gets damaged for any reason.
  • Return to Invoice cover :can be very beneficial at the time of making a claim. You will get compensation based on the invoice value of the car, rather than the IDV
  • Personal belongings cover :will help you get compensation for loss of personal belongings like luggage and bags kept in the car. 
  • Consumables cover : is an add-on that allows you to claim for consumables like engine oil, coolant, which is normally excluded.

Steps To Renew Omni Car Insurance By PolicyX.com

Renewing your Omni car insurance is something that you must not forget to do. Renewing your policy is easy thanks to the user-friendly features available on PolicyX.com. Here’s how you can do it:

  1. To renew your Omni car insurance, just go to the form available in the top right-hand corner of this page. 
  2. Provide your car details like the car model, date of registration, and RTO code. 
  3. Once you submit the form, you will see quotes from various insurers, including the one from whom you have taken the policy at present.
  4. You can go with your present insurer or choose someone who gives you a better price. Click on the ‘buy’ option next to the quote to start the renewal process.
  5. You will be redirected to the insurer’s website. Pay the renewal amount directly to the insurer to complete the renewal process.
  6. You will get a copy of the insurance policy sent to you by email. Make sure you keep a copy with you while you drive.

Frequently Asked Questions (FAQs)

1. When I buy an Omni insurance, can I get a discount based on the NCB I have for my previous car?

Yes, you can. The no-claim bonus or NCB is given for the driver and not for the vehicle. You can transfer the NCB of your old to your Omni and you can get a discount on the premium.

My Omni car met with an accident at 12:05 am, my insurance had lapsed at 12:00 am and I was planning to renew it the next day morning. What is the status of my claim?

Sorry but your claim will be denied. Insurance for your car needs to be renewed before the completion of the due date. At the time of the accident, your car was uninsured and hence you will have to bear the entire liability.

3. I use my Omni car to shift goods from my shop to the godown. My car met with an accident but my insurance claim was rejected, why?

Your Omni car insurance policy is for a passenger vehicle. You cannot use it for commercial purposes. If you do so, then your claim in the event of an accident will not be accepted.

4. I would like to take third party insurance for my Omni to reduce the premium costs. Is this sufficient or should I take a comprehensive policy?

Third-party insurance covers legal requirements and compensates injury/damages to a third party. In case you meet with an accident and your vehicle is damaged or if you suffer injuries, you cannot get compensation if you have third party insurance. It is advisable to get a comprehensive car insurance policy for your Omni to get total coverage.

Last updated on 16-04-2020