Renew Your Expired Maruti Insurance Policy Online With TATA AIG

Your Maruti car is not just a vehicle — it's a part of your daily life. Whether it’s your Maruti Swift, Baleno, Dzire, or Wagon R, owning a Maruti means enjoying reliability, fuel efficiency, and smooth performance. But to keep your ride truly stress-free, car insurance is a must. If your policy has lapsed, don’t worry. You can renew your expired policy online with TATA AIG in just a few easy steps.

Renewing on time ensures your Maruti stays legally compliant, financially protected, and eligible for benefits like the No Claim Bonus (NCB). In this blog, we’ll guide you through the renewal process, explain what happens if you delay, and show you why TATA AIG car insurance is the smart choice for your Maruti insurance renewal.

What Is Expired Maruti Insurance?

When your Maruti insurance policy is not renewed by the due date, it becomes “expired” or “lapsed.” This leaves your vehicle without any financial protection for accidental damage, theft, or third-party liabilities. Additionally, driving an uninsured car on Indian roads is illegal and can lead to fines or legal trouble under the Motor Vehicles Act, 1988.

If you’ve missed your renewal date, the good news is that TATA AIG offers a
90-day renewal window to without losing your accumulated No Claim Bonus (NCB). However, post this grace period, the policy becomes void, and you may need to purchase a new policy, often without the NCB benefit.

Why Renew Your Expired Car Insurance?

Here are some key reasons why you must act fast and renew your expired Maruti insurance policy:

Legal Protection

Driving without car insurance is a punishable offence in India. Renewing your policy ensures compliance with the law and protects you from traffic fines and legal penalties.

Financial Safety

Your car insurance covers expenses from accidents, theft, natural disasters, and third-party damages. Without a valid policy, all these costs come out of your pocket.

No Claim Bonus (NCB) Retention

With TATA AIG, if your policy lapses, you don’t have to worry about losing your No Claim Bonus (NCB) completely. By renewing within the grace period, TATA AIG allows you to retain your NCB, ensuring you continue to benefit from a premium discount based on your claim-free years. This unique feature helps protect the value of your previous claim-free record, offering you greater savings on your renewal premium.

Avoid Re-Inspection

Delayed renewal may lead to a vehicle inspection and a possible increase in premium. Timely renewal helps skip these hassles.

How To Renew Expired Maruti Insurance Online With TATA AIG?

TATA AIG makes it quick and hassle-free to renew your car insurance online. Whether your policy was previously with TATA AIG or another insurer, the process is simple.

Step-by-Step Process:

Step 1: Visit the official TATA AIG website
Click on the “Car” tab and select “Renew Existing TATA AIG Car Policy”.

Step 2: Enter your Maruti vehicle registration number or policy number.

Step 3: Review the existing plan and update details if needed, such as IDV (Insured Declared Value), add-ons, etc.

Step 4: Choose from useful add-ons such as:

• Zero Depreciation

• Engine Secure

• Roadside Assistance

• Return to Invoice

• No Claim Bonus Protection, etc

Step 5: Get a quote instantly and make the online payment.

Step 6: Receive your updated Maruti insurance policy via email or WhatsApp within minutes.

Note: If your policy has expired beyond 90 days, you may be asked to upload a self-inspection video via the mobile app before proceeding.

Documents Needed for Renewal

Keep the following documents handy when renewing your car insurance online:

• Maruti car’s Registration Certificate (RC)

• Previous expired Maruti insurance policy copy

• Details of claims, if any, in the past policy

• KYC documents (PAN, Aadhaar) if required

• RTO and city details

How To Lower Premiums While Renewing Expired Maruti Insurance?

Just because your policy expired doesn’t mean your premium must spike. Here are ways to save money on renewal:

Claim Your NCB

Renew within the grace period to retain your NCB and get up to a
50% discount on your premium.

Install ARAI-Approved Anti-Theft Devices

Installing certified anti-theft devices can fetch you a discount on your car insurance premium under IMT-10 of the policy.

Opt For Higher Deductibles

Choosing a higher voluntary deductible lowers your premium, but remember, this increases your out-of-pocket cost during claims.

Use The Online Calculator

Use TATA AIG’s online car insurance premium calculator to adjust IDV, add-ons, and deductibles to find the most budget-friendly plan.

What If You Miss the Grace Period?

If you fail to renew your Maruti insurance even within the 90-day grace period:

• You lose the NCB benefits permanently.

• Your policy lapses, and you need to buy a fresh policy.

• Your car might be subject to inspection before approval.

• Coverage resumes only after policy issuance, not retroactively.

Add-Ons to Consider for Maruti Insurance

With TATA AIG, you can enhance your Maruti insurance policy with 20 powerful add-ons that provide comprehensive coverage, ensuring your vehicle is fully protected in all scenarios:

1. Zero Depreciation Cover:
   This add-on ensures that your claim is processed without any depreciation deduction, meaning you receive the full amount for the replacement of parts. It helps to cover all the expenses for parts like rubber, plastic, tyres, and batteries that normally depreciate over time.

2. Engine Secure:
   Covers engine damage resulting from water ingression or oil leakage. If your engine or gearbox gets damaged due to flooding or loss of oil, this cover ensures you are compensated for the repairs or replacement, giving you peace of mind even in unpredictable conditions.

3. NCB Protection:
   Keeps your No Claim Bonus (NCB) intact, even if you make one minor claim during the policy year. This benefit allows you to retain the discounts earned for not making claims, ensuring you don’t lose the financial benefits due to a small accident.

4. Return to Invoice:
   In case of total loss, constructive total loss (CTL), or theft of your vehicle, this add-on pays the difference between the Insured Declared Value (IDV) and the on-road price of a new vehicle. This ensures you recover the actual value of your vehicle, including registration, road tax, and insurance charges.

5. Roadside Assistance:
   Provides 24/7 emergency support for situations such as breakdowns, flat tyres, towing, or other unforeseen circumstances. Whether your car breaks down on the highway or you're stuck with a flat tyre, this service ensures help is just a call away.

6. Depreciation Reimbursement:
   In case of an own damage claim, this add-on reimburses the amount that would normally be deducted for depreciation on the parts replaced, providing you with the full cost of parts like tyres, batteries, or other non-metallic components.

7. Loss of Personal Belongings:
   Covers the loss or damage of personal belongings inside your vehicle at the time of an accident. It applies to items like bags, electronics, or other personal items that were damaged or lost in the event of a claim.

8. Consumable Expenses:
   This add-on covers the cost of consumables like engine oil, brake fluid, lubricants, and other materials that are typically required to be replaced after an accident. It ensures that minor but essential expenses are covered during vehicle repairs.

9. Key Replacement:
   If your vehicle keys are lost or stolen, this cover reimburses the cost of replacing them. This add-on ensures you don’t have to bear the financial burden of losing or damaging your keys.

10. Tyre Secure:
    If your tyres or tubes are damaged in an accident, this cover helps pay for their repair or replacement. It ensures that your vehicle’s wheels are protected, especially in cases where the damage occurred due to an accident.

11. Engine and Gearbox Secure:
    Covers the cost of repair or replacement of engine and gearbox parts if they are damaged due to water ingression or oil leakage. This is crucial for those driving in areas prone to flooding or with poorly maintained roads that may cause engine damage.

12. Repair of Glass, Plastic, Rubber & Fibre Parts:
    This add-on covers the cost of repairs to non-metallic parts like glass, plastic, rubber, or fibre components damaged during an accident. Whether it’s a cracked windshield or a damaged bumper, this add-on ensures you’re covered.

13. Daily Allowance:
    If your insured vehicle is damaged and undergoing repairs, this add-on compensates you for the cost of hired transport to minimise inconvenience. The amount is specified in your policy schedule.

14. Courtesy/Hire Car:
    If your vehicle is damaged by a covered peril and is under repair, this add-on provides a courtesy or hire car to keep you mobile. While the hired car may not be an exact replacement, it offers convenience during the repair period.

15. Emergency Transport & Hotel Expenses:
    In an accident that immobilises your vehicle, this cover compensates you for emergency transport and accommodation expenses to help you return home or continue your journey. This is beneficial if you’re far from home and need to stay overnight.

16. Break-in Protection:
    Covers the cost of replacing locks and keys if your vehicle is broken into. If your vehicle has been tampered with, this add-on helps you with the cost of securing the vehicle again.

17. Misfuelling:
    If you accidentally fill your vehicle with the wrong fuel or adulterated fuel, this add-on covers the cost of flushing out the wrong fuel and replacing parts damaged by it. It ensures that your car is protected from any mishaps at the fuel station.

18. No Claim Bonus Protection:
    Even if you make a claim for one minor incident, this add-on ensures that you don’t lose your No Claim Bonus. As long as you have had two or more claim-free years, you can maintain your NCB for discounts on future premiums.

19. Additional Third-Party Property Damage Cover:
    If your vehicle causes damage to third-party property, this add-on provides coverage beyond the limits specified in the base policy. It ensures that you are fully covered in case your car causes more damage than the standard policy provides.

20. Vehicle Loan Protector:
    If the owner-driver suffers from death or permanent total disability due to an accident, this add-on will cover the remaining balance of the vehicle loan, ensuring that your financial obligations are met during a tough time.

Why Choose TATA AIG for Maruti Insurance?

When you pick TATA AIG car insurance for your Maruti insurance renewal, you get:

• Easy online renewal in minutes

• 5,900+ cashless garages across India

• Strong claim settlement support with 650+ experts

• Wide range of customisable add-ons

• Policy wordings as per the IRDAI-approved Auto Secure plan

Conclusion

The safest and smartest way to renew your expired Maruti insurance policy is to do it online with TATA AIG. You do not want to be caught without protection on your Maruti, while also losing the money you have already spent on coverage and having to deal with a stressed-out riding experience. When renewing online, you have a 90-day grace period to extend your coverage and can take advantage of great add-on covers. Plus, it is easy online.

Don't wait. Check your car insurance today and ensure your Maruti is protected. Then go online to the TATA AIG website and in a few clicks, you can renew your Maruti insurance!