Maruti Suzuki Car Insurance

So you own a Maruti Suzuki Car? Hats off just to that!

Planning to renew the insurance of your good old Maruti Zen or looking for the best car insurance for your brand new Maruti S-Cross – you’ve landed in just the right place.
Let’s dive into the car insurance basics for your Maruti Suzuki Car.

Understanding Maruti Suzuki Car Insurance

Must-know Coverage for Your Maruti Suzuki Car

You can get following kinds of insurance policies for your Maruti Suzuki Car:

Third-Party Car InsuranceComprehensive Car Insurance
Only covers third-party injuries and damages, and not those to your own vehicle.Gives third-party policy + coverage for losses and damages to your own car
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Maruti Suzuki Car?
Additional coverage like bumper-to-bumper cover, engine protector is NOT available.Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.

Why you should insure your Maruti Suzuki Car?

Most Maruti Suzuki Cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:

Be sure that you’re rightfully compensated if your Maruti Suzuki Car was stolen or damaged beyond repairs.
Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!

Good-to-Have Insurance Add-ons for Maruti Suzuki Cars

  • Zero Depreciation Cover:

Irrespective of the model of Maruti you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs/replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

  • Return to Invoice Cover:

So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.

  • Engine Protector Cover:

A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover, you could claim for those damages too. Whether you own a high-end car like Maruti Vitara Brezza or Maruti Suzuki S-Cross or regular hatchback like Maruti Eeco, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.

  • No-claim Bonus Protector Cover:

If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Maruti Suzuki Cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.

  • Passenger Cover:

This personal accident cover for a passenger is a must-buy for any Maruti Suzuki Car A lower end model of Maruti may not come with safety features like airbags or child safety locks. If you use your Maruti Suzuki Car to drive your family on a daily basis, it makes sense to buy this add-on.

A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Maruti you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things Car Insurance Covers For Any Maruti Suzuki Car

  • Personal accident coverage for owner-driver
  • Accident-related damages to your car
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen car

Things a Car Insurance Does Not Cover For Any Maruti Suzuki Car

Wear and tear caused over the years [including flat tyres]
Losses caused when the car was driven without a driving license
Damages caused when the car was being driven under the influence of alcohol
Driving outside the geographical limits
If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Maruti Insurance

How can I renew my Maruti Insurance online?

Your Maruti Suzuki Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via net banking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered

The car insurance of my Maruti Wagon R has already expired. Is vehicle inspection mandatory?

Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.

Is an online insurance policy valid for car?

Of course, it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

How do I get no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.

At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get a discount on the own-damage premium as per the NCB grid provided by IRDAI.

All vehicle Type NCB Grid% of discount in premium on damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive car insurance?

The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Maruti Suzuki Car.

Models Manufactured by Maruti: Which One Do You Drive?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Maruti CelerioVxi99823.167.048104,50,000 to 4,70,000
Maruti CelerioLxi99823.167.048104,18,000 to 4,32,000
Maruti CelerioLxi MT (o)99823.167.048104,39,000 to 4,5,000
Maruti CelerioLxi At99823.167.048104,66,000 to 4,80,000
Maruti CelerioVxi MT(o)99823.167.048104,71,000 to 4,89,000
Maruti CelerioZxi99823.167.048104,80,000 to 4,95,000
Maruti CelerioLxi Amt (o)99823.167.048104,87,000 to 4,05,000
Maruti CelerioLdi79327.62478804,96,000 to 4,08,000
Maruti CelerioVxi At99823.167.048104,90,000 to 4,10,000
Maruti CelerioLdi(o)79327.62478805,17,000 to 5,25,000
Maruti CelerioVxi CNG99831.7958.29155,17,000 to 5,25,000
Maruti CelerioVxi Amt (o)99823.167.048105,17,000 to 5,25,000
Maruti CelerioZxi (o)99823.167.048305,28,000 to 5,50,000
Maruti CelerioVdi79327.62478805,28,000 to 5,50,000
Maruti CelerioZxi AMT99823.167.048105,28,000 to 5,50,000
Maruti CelerioVxi CNG (o)99831.7958.29155,3,000 to 5,55,000
Maruti CelerioZxi Amt (o)99823.167.048105,42,000 to 5,60,000
Maruti CelerioVdi (o)79327.62478805,5,000 to 5,65,000
Maruti CelerioZdi79327.62478805,6,000 to 5,80,000
Maruti CelerioZdi(o)79327.62479006,08,000 to 6,30,000
Maruti Alto 800VXI(AIRBAG)119316.846410653,47,000 to 3,65,000
Maruti Alto 800STD79624.747.36952,62,000 to 2,75,000
Maruti Alto 800STD(AIRBAG)79624.747.36972,68,000 to 2,80,000
Maruti Alto 800LX79624.747.37152,97,000 to 2,20,000
Maruti Alto 800LX(AIRBAG)79624.747.37173,03,000 to 3,15,000
Maruti Alto 800LXI79624.747.37203,23,000 to 3,50,000
Maruti Alto 800LXI(AIRBAG)79624.747.37223,23,000 to 3,50,000
Maruti Alto 800VXI79624.747.37253,43,000 to 3,68,000
Maruti Alto 800VXI OPTIONAL79624.747.37273,43,000 to 3,68,000
Maruti Alto 800LXI CNG79633.4447.38103,86,000 to 3,40,000
Maruti Alto 800LXI CNG (AIRBAG)79633.4447.38123,86,000 to 3,40,000
Maruti Alto K10Vxi Optional99824.0767.17553,86,000 to 3,40,000
Maruti Alto K10Lx99824.0767.17403,44,000 to 3,70,000
Maruti Alto K10Lx Optional99824.0767.17403,5,000 to 3,70,000
Maruti Alto K10Lxi99824.0767.17453,61,000 to 3,90,000
Maruti Alto K10Lxi optional99824.0767.17453,67,000 to 3,90,000
Maruti Alto K10Vxi99824.0767.17503,78,000 to 3,88,000
Maruti Alto K10Lxi CNG99832.2658.28354,25,000 to 4,50,000
Maruti Alto K10Vxi At99824.0767.17554,26,000 to 4,50,000
Maruti Alto K10Lxi CNG optional99832.2658.28354,31,000 to 4,60,000
Maruti Alto K10Vxi AT Optional99824.0767.17554,31,000 to 4,60,000
Maruti Ciaz1.4 sigma137320.7391.110107,98,000 to 7,50,000
Maruti Ciaz1.4 delta137320.7391.110108,4,000 to 8,90,000
Maruti Ciaz1.3 sigma124828.0988.511158,72,000 to 8,50,000
Maruti Ciaz1.4 Zeta137320.7391.110309,07,000 to 9,60,000
Maruti Ciaz1.3 delta124828.0988.511159,17,000 to 9,70,000
Maruti Ciaz1.4 At Delta137319.1291.110109,59,000 to 9,90,000
Maruti Ciaz1.4 Alpha137320.7391.110309,65,000 to 9,95,000
Maruti Ciaz1.3 Zeta124828.0988.511359,9,000 to 9,50,000
Maruti Ciaz1.4 At Zeta137320.7391.1101010,26,000 to 10,80,000
Maruti Ciaz1.3 Alpha124828.0988.5113510,56,000 to 10,10,000
Maruti Ciaz1.4 At Zeta137319.1291.1103010,84,000 to 10,30,000
Maruti Swift DzireVxi119720.8583.149456,18,000 to 6,40,000
Maruti Swift DzireLxi119720.8583.149355,46,000 to 5,70,000
Maruti Swift DzireLxi(o)119720.8583.149405,5,000 to 5,75,000
Maruti Swift DzireLxi Optional (o)119720.8583.149405,7,000 to 5,95,000
Maruti Swift DzireVxi119720.8583.149456,39,000 to 6,20,000
Maruti Swift DzireLdi124826.597410456,78,000 to 6,20,000
Maruti Swift DzireLdi(o)124826.597410456,99,000 to 6,45,000
Maruti Swift DzireVxi AT119718.583.149657,04,000 to 7,50,000
Maruti Swift DzireZxi119720.8583.149657,19,000 to 7,55,000
Maruti Swift DzireVxi AT (o)119718.583.149657,24,000 to 7,50,000
Maruti Swift DzireVdi124826.597410557,27,000 to 7,45,000
Maruti Swift DzireVdi(o)124826.597410557,4,000 to 7,70,000
Maruti Swift DzireZdi124826.597410708,28,000 to 8,70,000
Maruti Swift DzireZdi AT119720.857410708,79,000 to 8,05,000
Maruti SwiftVxi(O)119720.0483.114155,84,000 to 5,50,000
Maruti Swift1.2 DLX124825.283.114154,54,000 to 4,80,000
Maruti SwiftLxi119720.0483.114154,9,000 to 4,40,000
Maruti SwiftLxi(o)119720.0483.114154,9,000 to 4,40,000
Maruti SwiftLxi Optional (o)119720.0483.114155,16,000 to 5,50,000
Maruti SwiftVxxi Deca Edition119720.0483.114155,49,000 to 5,85,000
Maruti SwiftVxi119720.0483.114155,68,000 to 5,05,000
Maruti SwiftLdi124825.27415056,21,000 to 6,70,000
Maruti SwiftLdi(o)124825.27415056,37,000 to 6,80,000
Maruti SwiftZxi119720.0483.19656,58,000 to 6,05,000
Maruti SwiftVdi Deca Edition124825.27415056,58,000 to 6,05,000
Maruti SwiftVdi124825.27415056,58,000 to 6,05,000
Maruti SwiftVdi(o)124825.27415056,58,000 to 6,05,000
Maruti SwiftZdi124825.27410607,65,000 to 7,90,000
Maruti Ignis1.2 Delta119720.89828255,31,000 to 5,60,000
Maruti Ignis1.2 Sigma119720.89828254,69,000 to 4,85,000
Maruti Ignis1.2 AMT Delta119720.89828405,87,000 to 5,50,000
Maruti Ignis1.2 Zeta119720.89828405,87,000 to 5,50,000
Maruti Ignis1.2 AMT Zeta119720.89828406,44,000 to 6,90,000
Maruti Ignis1.3 Delta124826.8748406,53,000 to 6,90,000
Maruti Ignis1.2 Alpha119720.89828606,84,000 to 6,30,000
Maruti Ignis1.3 Zeta124826.8748607,06,000 to 7,50,000
Maruti Ignis1.3 AMT Delta124826.8749407,06,000 to 7,50,000
Maruti Ignis1.3 Amt Zeta124826.8749407,62,000 to 7,98,000
Maruti Ignis1.3 Alpha124826.8749607,97,000 to 7,35,000
Wagon RVxi(O)97023678904,91,000 to 4,20,000
Wagon RLxi99820.51678704,29,000 to 4,65,000
Wagon RVxi99820.51678854,57,000 to 4,80,000
Wagon RLxi(o)99820.51678754,63,000 to 4,90,000
Wagon RLXI CNG99826.658.169604,85,000 to 4,25,000
Wagon RVxi Plus99820.51678854,87,000 to 4,30,000
Wagon RLXI CNG Optional99826.658.169655,05,000 to 5,50,000
Wagon RVxi AMT99820.51678905,06,000 to 5,50,000
Wagon RVxi Plus Optional99820.51678905,06,000 to 5,50,000
Wagon RAMT Vxi Plus99820.51678905,35,000 to 5,65,000
Wagon RVXI AMT (O)99820.51678955,39,000 to 5,70,000
Wagon RAMYT VXI Plus Optional99820.51678955,55,000 to 5,90,000
Maruti GypsySoft Top129811.96809856,49,000 to 6,25,000
Maruti GypsyHard Top Ambulance BS IV129811.968010205,94,000 to 5,25,000
Maruti GypsyHard Top129811.968010206,64,000 to 6,05,000
Maruti Eeco7 Seater119615.1739233,65,000 to 3,90,000
Maruti Eeco5 Seater119615.1739083,45,000 to 3,80,000
Maruti Eeco5 Seater AC119615.1739283,78,000 to 3,20,000
Maruti EecoAmbulance AC plus HTR119615.1739284,1,000 to 4,50,000
Maruti EecoCNG with HTR 5 Seater1196206310204,2,000 to 4,50,000
Maruti EecoFlexi Green1196206310204,49,000 to 4,80,000
Maruti EecoCNG 5 Seater with AC HTR1196206310404,53,000 to 4,80,000
Maruti ErtigaVdi119615.17312608,7,000 to 8,25,000
Maruti ErtigaLxi137317.591.111356,63,000 to 6,10,000
Maruti ErtigaLxi(o)137317.591.111457,01,000 to 7,50,000
Maruti ErtigaVxi Limited Edition137317.591.111757,68,000 to 7,05,000
Maruti ErtigaVxi137317.591.111757,8,000 to 7,35,000
Maruti ErtigaSHVS Vdi Limited Edition124824.5288.512607,93,000 to 7,60,000
Maruti ErtigaLdi124824.5288.512357,98,000 to 7,60,000
Maruti ErtigaLdi(o)124824.5288.512408,05,000 to 8,60,000
Maruti ErtigaZxi137317.591.111758,43,000 to 8,05,000
Maruti ErtigaVxi Cng137317.591.111758,43,000 to 8,05,000
Maruti ErtigaVxi At137317.0391.111858,85,000 to 8,50,000
Maruti ErtigaZxi Plus137317.591.111809,03,000 to 9,80,000
Maruti ErtigaZdi124824.5288.512609,27,000 to 9,05,000
Maruti ErtigaZdi Plus124824.5288.512659,71,000 to 9,50,000
Maruti S-CrossDdis 200 Alpha124823.6588.5118010,95,000 to 10,60,000
Maruti S-CrossDdis 200 Sigma124823.6588.511808,83,000 to 8,25,000
Maruti S-CrossDdis 200 Delta124823.6588.511809,06,000 to 9,80,000
Maruti S-CrossDdis 200 Zeta124823.6588.511809,91,000 to 9,70,000
Maruti S-CrossDdis 320 Alpha159822.7118125012,38,000 to 12,50,000
8 Seater79616.834.28002,85,000 to 2,10,000
Cargo79616.834.27852,52,000 to 2,90,000
MPI STD BS IV79616.834.27852,83,000 to 2,25,000
MPI Ambulance BS IV79616.834.27853,14,000 to 3,50,000
Maruti Baleno1.2 Zeta119721.483.18856,76,000 to 6,10,000
Maruti Baleno1.2 Sigma119721.483.18655,42,000 to 5,60,000
Maruti Baleno1.2 Delta119721.483.18756,14,000 to 6,80,000
Maruti Baleno1.3 Sigma124827.39749606,62,000 to 6,90,000
Maruti Baleno1.2 Delta AT119721.483.19107,23,000 to 7,50,000
Maruti Baleno1.3 Delta124827.39749707,29,000 to 7,65,000
Maruti Baleno1.2 Alpha119721.483.18907,48,000 to 7,05,000
Maruti Baleno1.2 CVT Zeta119721.483.19357,85,000 to 7,10,000
Maruti Baleno1.3 Zeta124827.39749807,92,000 to 7,15,000
Maruti Baleno1.3 Alpha124827.39749858,65,000 to 8,10,000
Maruti BalenoRS99821.11009508,91,000 to 8,30,000
Maruti Vitara BrezzaVDi (O)124824.388.511858,27,000 to 8,10,000
Maruti Vitara BrezzaLDi124824.388.511707,47,000 to 7,90,000
Maruti Vitara BrezzaLdi(O)124824.388.511757,6,000 to 7,05,000
Maruti Vitara BrezzaVdi124824.388.511808,14,000 to 8,80,000
Maruti Vitara BrezzaZdi124824.388.511757,60,000 to 7,05,000
Maruti Vitara BrezzaZdi Plus124824.388.511959,94,000 to 9,60,000
Maruti Vitara BrezzaZDi Plus Dual Tone124824.388.5119510,16,000 to 10,60,000