Maruti Suzuki Car Insurance

Car insurance, also known as motor insurance, auto insurance, or vehicle insurance, is the contract between an insurer and an insurance buyer. The insurance company agrees to pay the insured for the losses specified in the policy document, on payment of an annual premium.

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Car insurance is one of the best ways to safeguard your Maruti car and yourself from financial contingencies such as traffic collision, any legal liabilities (arising from physical damage, property damage, injury or death of a third party), damage caused to the insured car, bodily injury caused to a pillion or driver, and third-party damage.

Maruti car insurance would also cover the loss or damage caused due to natural calamities. The car insurance’s premium amount is decided based on the Insured Declared Value (IDV) of the car. Higher the IDV, the higher will be the premium and vice versa.

Here are some of the most popular Maruti car models with their motor insurance prices:

Car Models(2019 Registration) Model Variant Insured Declared Value (IDV) Zero Depreciation Cover Maruti Insurance Premium(1-year Comprehensive Car Insurance)
Maruti Suzuki Ciaz Sigma Rs 4,99185 Rs 2,172 Rs 5,375 onwards
Maruti Suzuki Baleno Delta Rs 3,88280 Rs 1,747 Rs 4,774 onwards
Maruti Suzuki Celerio LXI Rs 2,81675 Rs 1,268 Rs 3,198 onwards
Maruti Suzuki Alto 800 STD Rs 1,69,755 Rs 849 Rs 2,755 onwards
Maruti Suzuki XL6 Zeta Rs 6,66,189 Rs 3,331 Rs 5,886 onwards
Maruti Suzuki Alto STD Rs 1,59,800 Rs 799 Rs 2,972 onwards
Maruti Suzuki Wagon R LXI (O) Rs 2,07,006 Rs 925 Rs 3,390 onwards
Maruti Suzuki Alto K10 LX Rs 2,24,400 Rs 1,122 Rs 3,067 onwards
Maruti Suzuki Vitara Brezza LXI Rs 4,99,120 Rs 2,496 Rs 5,218 onwards
Maruti Suzuki Dzire VXI Rs 4,41,320 Rs 2,207 Rs 5,110 onwards
Maruti Suzuki Swift LXI Rs 3,04,719 Rs 1,371 Rs 4,736 onwards
Maruti Suzuki Eeco 5 STR STD Rs 2,20,617 Rs 1,213 Rs 5,249 onwards
Maruti Suzuki S-PRESSO STD Rs 2,50,920 Rs 1,255 Rs 3,513 onwards
Maruti Suzuki Ertiga Smart Hybrid LXI Rs 5,13,189 Rs 2,566 Rs 5,274 onwards
Maruti Suzuki S-Cross Sigma Rs 5,36,960 Rs 3,222 Rs 8,862 onwards
Maruti Suzuki Ignis Delta MT Rs 3,67,200 Rs 1,652 Rs 4,834 onwards
Maruti Suzuki Celerio X VXI Rs 2,78,800 Rs 1,255 Rs 3,402 onwards
Maruti Suzuki Gypsy King HT Rs 3,46,444 Rs 2,079 Rs 8,681 onwards
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Disclaimer: The Maruti insurance price for various car models may vary as per the registration year of the car, its model variant, RTO, fuel variant, type of insurance cover, claim history, etc.

Reasons to buy Maruti Suzuki Car Insurance

Car insurance helps to offset the damage or loss caused to the insured car. The insured does not need to run from pillar to post when an emergency strike. It offers legal, financial and emotional support to the insured.

Moreover, uncertainties can come without a prior notice. Placing god’s idol or other superstitious belief may prevent uncertainties sometimes but a car insurance policy for Maruti Car will help you out of any such unfortunate event on the roads.

Moreover, The Motor Vehicles Act, 1998 makes it mandatory for every car owner to have car insurance in India. Any vehicle plying on the Indian roads must have a valid car insurance policy, with at least third-party liability cover.

Third party car insurance covers the damage caused to a third person, property or car. Whereas, a comprehensive car insurance covers the own damages caused to your insured Maruti Car.

Inclusions of Maruti Suzuki Car Insurance

There are different car insurance companies in India, and the coverage and car insurance prices for different Maruti Suzuki car models may differ from one insurer to another. Car insurance offers coverages against the risks as mentioned below-

  • Bodily injury arising due to an accident while driving
  • Any loss or damage caused to any third party or property by the insured car
  • If there is any need for an emergency medical help in the middle of the road
  • In case the car breaks down in the middle of the road
  • Physical damage caused to the insured car due to a collision on the road
  • Roadside assistance to help you out of an emergency

Exclusions of Maruti Suzuki Car Insurance

The insurer will not bear the cost of the following -

  • Any depreciation of the insured Maruti car
  • Normal wear and tear of the Maruti car
  • Any kind of mechanical as well as electrical failure
  • Damage to tyres (if not accidental)
  • Damages or accident taking place due to intoxication of drugs or alcohol

Maruti Suzuki Car Insurance Add-on Covers

Following services are provided to the insured person and vehicle on payment of an additional premium-

  • Repairing Assistance - In case your Maruti car breaks down in the middle of the road, the insurer will provide immediate on-site repair support. Any vehicle breaking down on city roads or streets shall be given assistance, in case it is immovable and cannot be dragged to the closest repairing center. The fees charged by the mechanic will be included (cost of the replacement parts will not be covered).
  • Vehicle Towing Assistance - In case of an accident, the insured Maruti car is towed to the closest workshop. It will only cover towing expenses; any cost of repair further to this is usually not covered in it. Though, it is subjective to the insurance provider in some cases.
  • Removal and Extraction of Vehicle - In case of breakdown of the insured Maruti car, the insurance provider will provide crane assistance for removal and extraction of the vehicle from the area of damage.
  • Refilling - If your car runs out of fuel during the journey and there is no petrol pump nearby, and if you have car insurance for your Maruti, you will get fuel assistance from your insurance company. All you need to do is to just pay for the cost of the fuel.
  • Dead Battery - Imagine if your Maruti Suzuki car’s battery runs down in the middle of the road and there is no help available to you. This is where car insurance for your Maruti car comes handy. Your insurer will provide help to jump-start the engine. After that, you can easily take your car to the nearest garage and get it repaired.
  • Car Unlocking Support - It can ruin a good day for anyone. At this time, when your keys are left inside the car, immediate roadside assistance will be provided to help you unlock the car. It will save a lot of time and will help you to carry on with your journey.
  • Agency Repairs - If you have car insurance for you Maruti Car and agency repair is included in your car insurance plan, then you can avail it at the time of emergency (accidental damage while driving on road). Your car will be then repaired at the manufacturer’s authorized workshop. And if an agency repair is not provided, then your car gets repaired at one of the registered workshops of the insurance provider.
  • Assistance for Flat Tyres - If the tyres of your car go flat while driving or there is some leakage, then assistance will be provided to remove or replace the tyres (provided the toolkit is available in your car). You will not be charged for any labor charges. Though, it is only applicable when the incidence takes place on road and not at your place of residence or anywhere else.
  • Emergency Vehicle Transportation Assistance - Moreover, if the car meets with an accident or breaks down in the middle of the road and it needs to be immobilized or go for repairing work for more than 3 days, then transportation assistance is provided to help you travel back home.

How to Buy Maruti Suzuki Car Insurance Online?

Buying car insurance policy for your Maruti Car online is a simple process as compared to purchasing it offline. Here’s a quick rundown of the online process-

  • Submit the insured Maruti cars’ make and model in the online claim form
  • Get the car insurance quotes and premium estimate based on the details provided
  • Enter personal details like the insured’s name, contact number, geographical location, address etc.
  • Make the payment online and car insurance purchase for your Maruti Car is completed
  • Policy can be downloaded as well emailed on the registered id

Car Insurance Renewal Process for Maruti Suzuki Cars

Car insurance renewal is a simple and hassle-free process, especially if it is done online. Let’s see how it is done -

  • Keep a track of the renewal date - The insurer or the policy aggregator usually sends a reminder over a call or email. It is recommended for the policyholder to keep a record of the same so that the policy is renewed before the due date.
  • Enter the required policy details - While renewing car insurance online for your Maruti Car, there is no need of running from pillar to post for any paperwork, cheque submission etc. It can be done by simply logging on to the insurer’s site or the web aggregator’s site by clicking on the policy renewal option. One just needs to choose the existing or new customer option, to begin with, the process.
  • Follow the instructions - Submit all the required details, fill the form and click on the payment option
  • Make the payment online - Payment to the insurance company can be done online using a debit or credit card
  • Renewal - The insurer will send an acknowledgement of the motor insurance renewal on the registered email id and contact number.

Car Insurance Claims Process for Maruti Suzuki

There are two ways to file a vehicle insurance claim for Maruti cars i.e. cashless and reimbursement and the process goes as follows-

Cashless Claim Procedure-

  • In case of loss or damage to the insured Maruti Car during an accident or collision, the insurer should be informed at the helpline number
  • The insurer will survey the damaged car
  • The assessment report will be compiled
  • The claim amount will be approved, and the car will be sent to the network garage for claim settlement

Reimbursement Claim Procedure-

  • Intimate the car insurance company from where car insurance for Maruti car was purchased at their helpline number
  • The car will be surveyed
  • An assessment report will be compiled
  • Some documents need to be submitted such as Police FIR copy in case of theft, accident and third-party damage. Copy of RC, driving license along with a duly filled claim form
  • On approval, the claim amount will be reimbursed

Maruti Suzuki Car Insurance FAQs

  • Q1. Why should I buy comprehensive car insurance for my Maruti Car?

    Ans: If you want to avail most of the benefits of your car insurance scheme, then it is advisable to buy a comprehensive motor insurance plan. It offers you and your car coverage against any accident, and loss or damage arising due to fire, explosion, natural disasters, and vandalism.

    It provides third-party liability cover against any death or injury caused to a third-party by your vehicle. It also covers any loss or damage caused to your own car or property during the accident.

    There are various other benefits that you can get with roadside assistance - including towing assistance, agency repair, car refuelling etc.

  • Q2. Do I get No Claim Bonus on my Maruti Car insurance policy?

    Ans: Yes, you get NCB as it is earned for not making a claim during the policy period. The discount is applicable on the insurance premium at the time of policy renewal.
  • Q3. What are the documents required to file car insurance in India?

    Ans: The following documents are required at the time of filing vehicle insurance claim:
    • Insurance copy
    • Claim form
    • Police FIR
    • Driving License
    • Registration Certificate
    • ‘No trace report' in the case of car thefts
  • Q4. What is own damage cover in motor insurance?

    Ans: Comprehensive car insurance includes own damage cover. The insurer compensates for the damages that occur to the insured car during an accident.
  • Q5. What is a personal accident cover?

    Ans: In the case of disabilities and death resulting due to an accident, the insurance provider compensates for the financial loss.
Average Rating
(Based on 30 Reviews)
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Maruti Suzuki Car Insurance Reviews & Ratings

4.6 / 5 (Based on 30 Reviews)
(Showing Newest 25 reviews)
Odhav, June 19, 2020
Add on covers
I really got good add on covers with the help of policybazaar. Thank you team for providing me the best car insurance policy.
Idukki, June 19, 2020
I was surfing through the internet to get my maruti car insurance done. I was looking for such kind of car insurance which gives me less premium rate as well as I should get better benefits. I saw this calculator in the website of policybazaar where you can write the details. Also, I can check the premium amount according to the duration of time. Well, it is good enough to explore.
Kadamakudi, June 19, 2020
I feel if you are taking the services or goods from any company it should be transparent in nature. So, recently I bought the policy from policybazaar. It was a good website for different insurance and I bought for car. They told me each and everything very clearly and there was nothing to hide. Thanks team.
Jagadhri, June 19, 2020
Great interface
The user interface of policybazaar is very good and easy to use. I searched for car insurance policy nd their website ranking . I saw the whole website and plans. And also read about the different articles related to insurance. A nice way to guide people. Thanks team.
Hajipur, June 19, 2020
Secured and safer option
I found the car insurance is the best way to secure the age of your car. I have a maruti swift desire and was looking for a good car insurance plan. I am really amazed to see a good number of plans at the website of policybazaar. They have a lot many plans of car insurance and with great number of benefits with fewer premiums. Really appreciate the services of policybazaar. Well done.
Vadodara, June 19, 2020
Different companies at one place
One of the best feature you get at policybazaar website is that you can opt for various options. Like you search on the website of policybazaar for car insurance. You will get different companies at one and can easily select the best car insurance plans. I found this website suitable for me. I got varieties of plans at one place. Thank you team policybazaar for such support and giving the best plan.
Iddappadi, June 19, 2020
Savings a lot
While getting a policy done from policybazaar for my car. I saved a lot of money in my premium amount. As I compared a lot many plans and saved a lot too. Also, with less premium amount I got the way better benefits and deals. Best option to get insurance is definitely policybazaar.
Junagadh, June 19, 2020
EMI system
One of the best thing I found while taking a car insurance fro my maruti car is that I got the EMI option to pay the premium amount. Policybazaar, indeed coming with good features and facilities. Good going team.
Gaganbavada, June 19, 2020
Recommend to all
I would definitely recommend the company to everyone who are thinking of taking the insurance for their car. Great services, and great facilities.
Waghodia, June 19, 2020
Copy received in few minutes
I took the policy from policybazaar and within 15 minutes I got my soft copy issued at my email address. It was very quick. Each and every details was correct. Great work team.
Zahirabad, June 18, 2020
Agents are very genuine
I am very happy with the services of policybazaar and recently got new car from Maruti showroom. I decided to get my insurance done from policybazaar as I heard a good things. I contacted customer care and treated well, explained well. Thanks team.
Ichalkaranji, June 18, 2020
Other benefits
I got a good benefit of third party insurance when I bought the third party insurance policy. It will cover the third party coverage and losses to when the accident or problem occur. And will not come under my expenses which are a great deal I feel. Thank you team.
Udaipur, June 18, 2020
Got policy in 10 minutes
I recently searched for better plans for my car insurance and got to know about policybazaar. I searched the plans and got my car covered by getting a plan from them in 10 minutes. It was real quick and I really like their services.
Laitlyngkot, June 18, 2020
Less premium great benefits
I am really happy that my beautiful maruti car has been covered with best car insurance policy taken by policybazaar. I got the plan at less premium rate with good benefits. Also, discount was also available. A good way to secure yourself and your car.
Iddappadi, June 18, 2020
Bought the comprehensive insurance
One of my friend recommended me to buy the car insurance from policybazaar so I tried and he told me to get the comprehensive car insurance policy to get the most of the benefits. It offers me and my car coverage less premium rate. And whatever the loss is their it will be covered.
Vadnagar, June 18, 2020
Approved claim
I got my claim amount very easily and according to the accident. They work very swiftly and in a better way. So, once my amount was approved the car moved to garage and the work was started related to repair. Thanks policybazaar for great help.
Laitkynsew, June 18, 2020
Helpline numbers are available
If your car has met with an accident and you have the policy issued for your car then you just have to call the helpline number of policybazaar and tell the whole scenario related to it. Once done, the team will come at your help and after that process will get started. They will survey the car and it will compiled and your mount will be approved.
Gadag, June 18, 2020
Claim assistance
I am having a maruti car and I got the policy for my car from policybazaar. It has cashless claim assistance too which I can take it by calling to the customer care of policybazaar. It is easy and you can claim your damage car.
Farenda, June 18, 2020
Keep the record of your policy
It is really important for every insurance holder to keep the track of his or her policy. So, policybazaar has designed am application in so convenient manner that I can use it very nicely. And can track the policy details very easily.
Laharpur, June 18, 2020
Renewal process
I renewed my car insurance policy from policybazaar team and I have maruti car. I found the policy quite good for me and my car safety. So, I renewed it again from policybazaar with good number of benefits and of course the premium rate was according to my budget.
Idukki, June 17, 2020
Emergency assistance
I was going somewhere out of town and suddenly my car broke down. It was a lonely place and middle of the night. I called the customer care and immediately they sent the team to help me. I was very much impressed with such gesture. Thank you so much team.
Captainganj, June 17, 2020
Helpful at anytime
Recently, I took a car insurance policy from policybazaar. It was good experience. But later I realised that the name written on policy copy is correct. I called the customer care and on immediate basis they corrected the policy copy and sent me in few hours. That was real quick I must say.
Talabhehta, June 17, 2020
Quick resolution
One of the best thing of insurance company is that they provide the quick resolution. Policybazaar is such that company which helped me in getting great facilities as well as resolution. Recently, I faced the problem related to policy copy and it was resolved in few hours. Thanks team policybazaar.
Yeleswarm, June 17, 2020
24*7 assistance
I am really grateful that I found the policybazaar policy for my car. As the company helps their customer at each and every level. One of the best thing is that they are available for their customer all day all time. Whenever you have any complaint or query you can contact them and resolve them.
Udaipur, June 17, 2020
Good number of inclusions
So, while getting the car insurance from a reputed company I found that they helped me in dealing with the bodily injuries made through accident. Also, third party is also provided under my policy. Helps in financial losses.