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- Maruti Swift
Maruti Suzuki Swift Car Insurance
If you are planning to buy a Maruti Suzuki Swift or already have one, you should secure it with a valid car insurance policy to drive legally on the road. Read on to find out Maruti Swift insurance options, compare premium prices, and select the most cost-effective policy for your car.
Maruti Suzuki Swift Car Insurance Price
Take a look at Maruti Swift car insurance prices for different variants, along with their ex-showroom prices:
| Maruti Suzuki Swift Variants (2023 Registration) | Ex-Showroom Prices | Insured Declared Value* (IDV) | Zero Depreciation Price* (Add-On Cover) | Estimated Maruti Swift Insurance Price* (1 year OD+ 3 year TP) |
| LXI | Rs. 5,99,450 | Rs. 4,54,982 | Rs. 2,502 | Rs. 14,318 onwards |
| VXI | Rs. 6,95,000 | Rs. 6,27,952 | Rs. 3,454 | Rs. 14,988 onwards |
| ZXI | Rs. 7,63,000 | Rs. 6,04,098 | Rs. 3,323 | Rs. 14,895 onwards |
| ZXI+ | Rs. 8,34,000 | Rs. 6,92,552 | Rs. 3,809 | Rs.15,238 onwards |
| ZXI+ AMT | Rs. 8,89,000 | Rs. 7,57,152 | Rs. 4,164 | Rs. 15,488 onwards |
| ZXI CNG | Rs. 8,53,000 | Rs. 8,02,752 | Rs. 4,415 | Rs. 17,432 onwards |
*Disclaimer: The Maruti Swift insurance price may differ based on the car's age, RTO location, claim history, policy coverage type, etc.
Maruti Suzuki Swift Features
Known for its style and performance, the Maruti Suzuki Swift offers the following amazing features:
Interiors of Maruti Suzuki Swift
- The four-wheeler comes with an auto gear shift and push start-stop button.
- It also provides dual front airbags for the driver and co-driver.
- Maruti Swift is equipped with ABS with EBD and a brake assist system.
- It comes with a high-speed alert system and an automatic climate control system.
- It is also equipped with reverse parking sensors with a camera.
Exteriors of Maruti Suzuki Swift
- The exteriors of Swift come with a new dual-tone sporty design.
- The Sporty Cross Mesh Grille, with a bold chrome accent, makes the car look sleek and sporty.
- The car comes with precision-cut two-tone alloy wheels.
- The car is also equipped with LED projector headlamps, auto foldable ORVM, and LED rear combination lamps.
Specifications of Maruti Suzuki Swift
Below are the specifications of the Maruti Suzuki Swift car:
| Categories | Specifications |
| Engine/ Displacement | 1197 CC |
| Cylinder | 4 |
| Maximum Power | 66kW @6000 rpm |
| Maximum Torque | 113 Nm @4400 rpm |
| Transmission | 5AMT |
| Fuel Variant | Petrol, CNG |
| Fuel Tank | 37 L |
| Seating Capacity | 5 |
Maruti Swift Car Insurance Policy: Inclusions
A Maruti Swift insurance policy covers the following adversities:
- Any accidental property loss or bodily injuries/ disability/ death caused by the Swift car to third parties,
- Any loss or damages sustained by the Swift car due to theft, burglary or housebreaking
- Damages sustained by the insured car during air/ rail/ road/ waterways transit
- Losses arising out of natural calamities like earthquakes, landslides, floods, etc.
- Damages to the insured Swift car due to manmade disasters, including riots, vandalism, strikes, etc.
- Losses to the insured car due to fire or explosion are also covered under the Maruti car insurance policy.
Maruti Swift Car Insurance Policy: Exclusions
A Maruti Swift insurance policy does not provide coverage for the following:
- General wear and tear, depreciation of the Swift car
- Any loss or damage to the car due to war, invasion, nuclear warfare, etc.
- Mechanical or electrical breakdown of the Swift car
- Any loss or damages caused to the car outside India's geographical limits
- Damages to the insured car when driven without a valid driving license
- Any loss or damages caused while using the car for racing, commercial or illegal purposes
- Driving the Maruti Swift car under the influence of drugs or alcohol is not covered.
Maruti Swift Car Insurance Policy: Add-Ons
Every Maruti Suzuki insurance policy provides a few add-on covers that help enhance the standard coverage on payment of an additional premium. Have a look at a few commonly available add-on covers under Maruti Swift car insurance policy:
- Zero Depreciation Cover
- Return to Invoice
- Road Assistance Cover
- Engine & Gearbox Protector
- No Claim Bonus Protector
- Cost of Consumable Items
- Key & Lock Replacement Cover
How to Buy/Renew Maruti Swift Car Insurance Online?
The process to buy or renew car insurance online is very simple and convenient. Follow the steps given below to get a Maruti Swift insurance policy online:
- Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
- From the homepage, select the "Car Insurance" section
- Enter your Maruti Swift car number or proceed with another option if you own a brand-new car
- Select your car details, such as RTO, make, model, variant and registration year
- From the given Swift car insurance plans, choose the plan that suits you
- Select the add-ons of your choice
- Pay the final premium via the online payment mode
- Once the premium is paid, your Maruti Swift motor insurance policy will be issued.
How to Claim for Maruti Suzuki Swift Insurance?
Applying for a Maruti Swift car insurance claim is simpler and involves the following steps:
- Inform your insurer about the incident and provide its details.
- Upload damage pictures/videos for self-inspection (for minor damages). In case of severe damage, a surveyor appointed by your insurer will physically inspect your car for damage.
- Submit the required documents to your insurer, and if the claim is approved, take your car to a network garage for cashless repairs.
- The insurer will directly settle the repair bill with the garage, and you will only need to pay the compulsory deductible.
- After claim intimation, take your car to any garage and get the repair process started.
- Provide your Maruti Swift insurance policy details, damage photos/videos, RC, DL, bills, and other details to the surveyor at the time of inspection.
- The surveyor then submits the damage assessment report, along with the bills & documents, to the insurer.
- Upon approval, your insurer will refund the eligible amount after considering deductibles & policy exclusions.
Maruti Swift Car Insurance FAQs
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Q1. What are the types of Maruti car insurance policies that I can buy for my Swift car?
Ans: You can buy three types of Maruti car insurance policy for your Swift car - liability-only policy, standalone own damage and Comprehensive policy. The liability-only policy covers third-party liabilities arising out of bodily injuries and property damages by your Swift car. The own-damage car insurance policy covers any own damage sustained by the insured car due to unforeseen incidents such as theft, fire, etc. -
Q2. If my Swift car's battery is dead, can I raise a claim under my Maruti vehicle insurance policy?
Ans: If your Swift car's battery has discharged, you can claim it under your Maruti Suzuki insurance policy only if you have roadside assistance cover. -
Q3. How is the insurance premium for a Maruti Swift car determined?
Ans: The Maruti Swift insurance price for your car is determined based on the following factors:
- The IDV of the car
- Make & model of the car
- Engine cubic capacity of the car
- Coverage type
- RTO of the car
- No Claim Bonus
- Claim history
- Deductibles
- Discounts, etc.
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Q4. How can I get a discount on my Maruti Swift car insurance policy?
Ans: You can get a discount on your Maruti Swift insurance policy if:
- You have a No Claim Bonus (NCB)
- You have an anti-theft device installed in your car
- You are a member of the Automobile Association of India
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Q5. What will happen if I forget to renew my Maruti Swift car insurance policy?
Ans: If you forget to renew your Maruti Swift insurance policy, you can be fined Rs. 2,000 and/ or up to three years of imprisonment if a cop catches you. Moreover, when you go to renew your policy after a break-in policy, your Swift car will be subject to inspection. -
Q6. What is the maximum No Claims Bonus (NCB) I can claim on my Maruti Swift insurance?
Ans: As per IRDAI, you can claim the maximum No Claims Bonus (NCB) of 50% after 5 consecutive years of not making any claim. It is the discount on your own-damage premium at the time of renewing your policy. -
Q7. Will I be fined if I don't have Maruti Swift insurance?
Ans: Yes, you can be fined (Rs. 2000 and/or imprisonment for up to 3 months) if you drive your Maruti Swift car without at least a third-party car insurance policy. -
Q8. How is IDV calculated for my Swift's car insurance?
Ans: Insurers calculate the IDV for your Maruti Swift car insurance by deducting the depreciation rate based on its age from the manufacturer's selling price. -
Q9. What is the zero depreciation policy in Maruti Swift insurance?
Ans: The zero depreciation cover in Maruti Swift insurance is an add-on option that you can purchase for an additional premium when buying or renewing comprehensive coverage. This policy ensures that in the event of a claim, you do not have to account for your Swift's depreciation over time. -
Q10. What documents are needed to raise a Maruti Swift insurance claim?
Ans: When you raise a claim under your Maruti Swift car insurance, keep the following documents ready to ensure a faster and hassle-free processing:
- Copy of your Maruti Swift insurance
- Driving licence of the owner-driver
- Your Swift's registration certificate (RC)
- Police FIR (in case of theft or third-party claims)
- Duly filled & signed claim form
- Photos or videos of the damage
- Original car keys (in theft claims)
- Original repair bills and payment receipts
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
