Motor InsuranceCar InsuranceMaruti Xl6 Car Insurance

Maruti XL6 Car Insurance

Protect your Maruti XL6 with Zurich Kotak Car Insurance

Maruti XL6 Car Insurance
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Types of car insurance plans for Maruti XL6

Third-Party Liability Insurance

Third-Party Liability Insurance

Third-Party Liability Insurance

This is mandatory by law and covers any damage or injury caused to a third party in an accident involving your XL6. While it protects you against legal and financial liabilities, it does not cover any damage to your own vehicle.
Own Damage (OD) Insurance

Own Damage (OD) Insurance

Own Damage (OD) Insurance

Own Damage insurance cannot be purchased as a standalone policy and must accompany a third-party liability policy to be valid. It covers repair or replacement costs arising from accidents, fire, theft, or natural disasters, offering additional financial protection for the XL6 owner.
Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive Car Insurance

A comprehensive Maruti XL6 insurance plan combines both third-party and own damage cover. It protects against accidents, theft, fire, natural calamities, and man-made events such as riots or vandalism. Optional add-ons can further extend the scope of the policy, providing greater flexibility and financial security.
Third-Party Liability Insurance

Third-Party Liability Insurance

Third-Party Liability Insurance

This is mandatory by law and covers any damage or injury caused to a third party in an accident involving your XL6. While it protects you against legal and financial liabilities, it does not cover any damage to your own vehicle.
Own Damage (OD) Insurance

Own Damage (OD) Insurance

Own Damage (OD) Insurance

Own Damage insurance cannot be purchased as a standalone policy and must accompany a third-party liability policy to be valid. It covers repair or replacement costs arising from accidents, fire, theft, or natural disasters, offering additional financial protection for the XL6 owner.
Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive Car Insurance

A comprehensive Maruti XL6 insurance plan combines both third-party and own damage cover. It protects against accidents, theft, fire, natural calamities, and man-made events such as riots or vandalism. Optional add-ons can further extend the scope of the policy, providing greater flexibility and financial security.

Maruti XL6 car insurance add-ons

Battery Cover

Battery Cover

Covers replacement costs for a damaged or faulty battery. This add-on is applicable for electrical faults and ensures you are not burdened with repair costs due to battery failure.

Depreciation Cover (Zero Depreciation)

Depreciation Cover (Zero Depreciation)

Ensures full claim settlement without deductions for depreciation on replaced parts such as bumpers, windshields, and metal panels. Typically applicable for vehicles under five years old.

Consumables Coverage

Consumables Coverage

Covers the cost of consumables, such as oil, nuts, bolts, lubricants, and filters, used during repairs related to a claim.

Return-to-Invoice Cover

Return-to-Invoice Cover

Pays the invoice value if your XL6 is stolen or declared a total loss, covering the difference between the Insured Declared Value (IDV) and the original invoice price.

How to buy or renew a Maruti XL6 car insurance policy online?

1

Visit Zurich Kotak’s official website and navigate to the “Car Insurance” section

2

Enter your XL6 registration details, previous policy number, or customer ID.

3

Select the policy type—comprehensive, OD-only, or third-party.

4

Customise coverage with add-ons like zero depreciation, roadside assistance, or consumables cover

5

Review the premium, Insured Declared Value (IDV), and policy terms.

6

Make payment through debit/credit card, UPI, or net banking. Policy issuance is instant post-payment.

7

Receive your digital policy copy by email and SMS.

How to download the Maruti XL6 car insurance policy copy?

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
1

Visit Zurich Kotak’s official website. Click on the link

2

Log in using policy number, mobile number, or customer ID.

3

Select “Download Policy Copy” and authenticate with OTP.

4

Download or email the digital copy.

How to file a car insurance claim at Zurich Kotak General Insurance

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

How to renew car insurance for an old car

With Zurich Kotak General Insurance, you can renew car insurance policy by just entering your existing policy number or customer ID on the page. Once your policy number/customer ID is verified, you can make the payment to renew your insurance instantly. Want to renew your car insurance policy? Zurich Kotak makes your job easy! Zurich Kotak Car Insurance can be done online in a few simple steps. Read on how –
1
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
2
Enter your policy number and mobile number and click on ‘Submit’.
3
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.
4
Pay the renewal premium and your policy will be done instantly!

Maruti XL6 Car Insurance Coverage

What is covered under the Zurich Kotak Maruti XL6 Car Insurance Policy?

●        Accidental damage due to collision or impact.

●        Theft or burglary of the insured XL6.

●        Natural disasters like floods, cyclones, earthquakes, and storms.

●        Man-made perils such as riots, vandalism, or terrorism.

●        Fire, lightning, or explosion damage.

●        Third-party liability for bodily injury, death, or property damage.

●        Personal accident cover for the owner-driver.

●      Optional add-ons include Battery Cover, Depreciation Cover, Return-to-Invoice , and Roadside Assistance (which includes Daily Car Allowance and Towing Support).

●        Transit damage while the car is being transported by rail, road, or water.

What is not covered under the Zurich Kotak Maruti XL6 Car Insurance Policy?

●        Driving without a valid driving licence.

●        Accidents while under the influence of alcohol or drugs.

●        Regular wear and tear or depreciation of parts.

●        Mechanical or electrical breakdowns unrelated to accidents.

●        Damages occurring outside the geographical limits of India.

●        Losses caused by war, nuclear risks, or civil disturbances.

●        Consequential losses, such as engine oil leakage or damage after flooding.

●        Use of the XL6 for illegal activities, racing, or commercial hire.

●        Claims raised under expired or lapsed policies.

Frequently Asked Questions about car insurance for Hyundai Santro

Questions you may have about Zurich Kotak General Insurance

Yes. Under the Motor Vehicles Act, third-party insurance is mandatory for all cars, including the Maruti XL6. Driving without valid insurance can lead to penalties.

A comprehensive Maruti XL6 car insurance plan is ideal as it covers both third-party liabilities and damages to your own vehicle, offering complete protection.

Yes. Zurich Kotak allows you to buy and renew Maruti XL6 car insurance online instantly, with digital policy issuance for quick coverage.

Recommended add-ons for Maruti XL6 car insurance include zero depreciation, roadside assistance, engine protection, return-to-invoice cover, and consumables cover for enhanced protection.

Premium is determined by the Insured Declared Value (IDV), vehicle variant, age of the car, location, fuel type, previous claim history, and selected add-ons.

You can lower premiums by maintaining a claim-free record to avail a No Claim Bonus (NCB), installing anti-theft devices, opting for voluntary deductibles, and renewing policies on time.

If renewal is delayed, coverage will lapse, and accumulated NCB benefits will be lost. Any claims arising during the gap period will not be entertained.

Yes. A comprehensive Maruti XL6 insurance plan provides coverage against floods, cyclones, earthquakes, and other natural calamities.

If you visit an authorised network garage, Zurich Kotak settles the repair bills directly, allowing you to avoid upfront payments and enjoy a hassle-free experience.

Yes. The NCB is linked to the policyholder and can be transferred to a new Maruti XL6 or any other insured vehicle when you purchase a new car.