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The Maruti Suzuki Swift is a popular choice among hatchbacks on the market, offering a perfect blend of style, performance and fuel efficiency. As a Swift owner, it is essential to protect your vehicle with a comprehensive Maruti Suzuki Swift insurance policy.
Reliance General Insurance understands the unique needs of Swift owners and offers a range of Maruti Swift vehicle insurance options. These plans are designed to provide comprehensive coverage, ensuring your peace of mind on the road. From accidental damage to third-party liability, Maruti Swift car insurance policies offer protection against various unforeseen events.
Beyond the reliable protection, Reliance General Insurance’s Maruti Swift Insurance policy also offers:
100%Claims Settlement*
10,000+ Network Garages*
5 crore+Happy Customers*
₹238/monthStarting premiums*
Navigate to Reliance General Insurance’s Car insurance
Here, enter the details of your vehicle, such as your Swift’s registration number, your personal mobile number and your email ID.
You will then receive a tailored insurance quote based on the details you provided.
Review the quote to ensure that it aligns with your budget and explore various add-on options to enhance your coverage.
Once satisfied, confirm your details and the selected add-ons.
Proceed with the payment to complete the purchase of your Maruti Swift insurance.
Locate your nearest Reliance General Insurance branch using the free Branch Locator.
Visit the branch and inquire about the available car insurance plans.
Fill out the required form and submit the necessary documents.
Once everything is in order, complete the payment using your preferred method.
For Maruti Swift insurance renewal online, visit the official Reliance General Insurance website and navigate to the ‘Renewal’ tab in the menu.
Select the ‘Renew Car Insurance’ option and enter your policy number along with your vehicle details.
If you wish to enhance your coverage, choose any add-ons.
After verifying the details and quote, complete the payment for your Swift’s yearly insurance using your preferred method.
Securing a comprehensive car insurance policy is essential, regardless of whether you are purchasing a new or pre-owned vehicle. Here is a step-by-step guide to ensuring your Second-hand Maruti Suzuki Swift Car is well protected under a suitable car insurance policy:
Before purchasing a Maruti Suzuki Swift car insurance for a second-hand vehicle, it is important to ensure that it is in good condition. Hence, a thorough inspection of the vehicle is required, especially that of the engine.
Once the inspection is complete and everything is deemed okay, you will need to gather the necessary documents. This includes your valid driving licence, Forms 29 and 30 which are signed by the previous Swift owner and a copy of the RC transfer.
To begin the insurance process, visit our Car Insurance page online. Enter your details and the vehicle’s information including the registration number, make and model.
Select the appropriate Maruti Suzuki Swift car insurance type and any desired add-ons to enhance your coverage. Finally, proceed with the payment of the Swift Insurance amount to complete the purchase.
Car insurance for Maruti Swift is a vital investment for a Swift owner. It offers financial protection against accidents, theft and other unforeseen events. Here’s why it is crucial:
Financial Protection: Accidents can lead to significant expenses for repairs or replacements. Having Maruti Suzuki Swift insurance provides a safety net against these costs.
Legal Compliance: Indian law mandates third-party car insurance for all vehicles. This ensures financial coverage for injuries or property damage caused to others.
Natural Disaster Protection: Insurance covers damages caused by events like floods, earthquakes or heavy rainfall.
Personal Accident Cover: This optional feature provides financial support in case of injuries or death to the vehicle owner-driver.
Peace of Mind: Knowing that your vehicle is protected against various risks can give you peace of mind on the road.
Theft Coverage: If your Maruti Suzuki Swift is stolen, insurance can reimburse you for its market value.
When choosing insurance for your Maruti Suzuki Swift, consider factors like your driving habits, vehicle usage and budget. Compare the popular Maruti Swift insurance policies and choose one that best suits your needs.
Features
Details
Competitive Car Insurance Premiums
With Reliance General’s Swift insurance policy, you get to enjoy affordable premiums without compromising on the coverage.
Extensive Network of Cashless Garages
You gain access to over 10,000 cashless garages nationwide, ensuring hassle-free repairs.
No Claim Bonus
You can earn up to 50% discount on premiums for claim-free years with a No Claim Bonus.
Online Discounts
You can save up to 80% with premium discounts for online purchases of Maruti Swift Insurance.
Seamless Claim Process
You can benefit from a 100% claim settlement ratio and quick claim surveys.
Flexible Coverage Options
You can choose from various add-ons like Engine Protection and Return to Invoice for enhanced protection to ensure you have the best insurance for Maruti Swift cars.
Pay-As-You-Drive
You pay for premiums based on your actual mileage, ensuring fair payment as per your vehicle’s usage.
Online Convenience
The benefits of your Maruti Swift car insurance extend to our processes as you can buy or renew your policy online with zero paperwork.
Types of Maruti Suzuki Swift Car Insurance Plans
Description
Maruti Suzuki Swift Third-Party Car Insurance
Covers damages or injuries caused to others by your vehicle. This type of car insurance is mandatory by law.
Maruti Suzuki Swift Own-Damage Car Insurance
This car insurance protects your Maruti Suzuki Swift against accidents, theft and natural disasters.
Maruti Suzuki Swift Comprehensive Car Insurance
This car insurance combines third-party and own-damage coverage, providing the most comprehensive protection for your Maruti Suzuki Swift.
Maruti Suzuki Swift Zero Depreciation Car Insurance
This car insurance covers the full cost of replacing the damaged parts of your Maruti Suzuki Swift, regardless of their age or condition.
Maruti Suzuki Swift Pay-As-You-Drive Car Insurance
This car insurance charges you only for the kilometres you drive, offering up to 90% savings on your premiums.
Inclusions
Third-Party Liabilities
Financial liabilities arising from third-party liability claims are covered.
Natural Calamities
Damage caused to the vehicle due to floods, earthquakes, hurricanes and heavy rainfall is covered.
Fire and Explosion
Damage caused due to fire or explosions is covered.
Personal Accident
Owner-driver can earn up to ₹15 Lakhs in case of accidental death or permanent disability due to a road accident.
Theft
Damages caused to the car or car parts are covered based on IDV
Accident and Collision
Repair of replacement costs of your Maruti Suzuki Swift, resulting from collisions or road accidents are reimbursed.
Exclusions
Depreciation
Insurance for Swift does not cover a decrease in the value of the car or car parts due to wear and tear unless the Nil depreciation or Return-to-Invoice add-ons are included.
Mechanical Breakdown
Damages caused due to electric or mechanical breakdowns of the vehicle are not covered.
Illegal Driving
Damages caused while driving illegally are not covered under the Maruti Swift insurance policy.
Pre-Existing Damage
Any damage that existed before the start of the Maruti Swift insurance policy is not covered.
War
Any damages caused by war or acts of invasion of a foreign enemy will not be covered under insurance for Swift.
Drunk Driving
Accidents occurring while the driver is under the influence of substances are not covered.
Add-ons
24x7 Roadside Assistance
Offers 24/7 assistance for breakdowns, towing and other emergencies.
Consumables Expenses
Covers the cost of consumables like nuts, bolts and lubricants after repairs.
Daily Allowance Benefit
Provides daily allowance for alternate transportation while the car is under repair.
Electrical Accessories
Covers the custom-installed electrical accessories.
Emergency Hotel Accommodation
Reimburses hotel accommodation costs in case of breakdowns (over 200 km from home)
EMI Protection Cover
Covers car loan EMIs during extended repair periods.
Engine Protection Cover
Covers the hefty costs of engine repairs that may be required due to damage or malfunction.
Geo Extension
Extends insurance coverage to additional countries.
Key Replacement Cover
Covers costs associated with replacing lost or stolen car keys.
Loss of Personal Belongings
Reimburses for loss of personal items stolen from your car.
NCB Retention Cover
Retains the NCB discounts even after making up to 2 claims, which reduces your overall costs for Maruti Swift car insurance renewal in India
Nil Depreciation
Covers the entire cost of replacing parts without depreciation deduction.
Non-Electrical Accessories
Covers damage or theft of non-electrical car modifications.
Pay-As-You-Drive Car Insurance
Adjusts premiums based on the distance driven which makes the overall Maruti Suzuki Swift insurance cost economical.
Return-to-Invoice Cover
Compensates the full original purchase price of the car in case of theft or total loss.
RIM Protection
Covers repair or replacement of damaged rims.
Total Cover
Compensates the full on-road price, registration fees and taxes in case of severe damage or total loss.
Tyre Protection Cover
Covers repair or replacement of damaged or worn tyres.
Use the following step-by-step guide to claim your Reliance General car insurance for your Maruti Suzuki Swift:
You can initiate your Maruti Suzuki Swift motor insurance claim with us within 24 hours of the incident by doing either one of the following:
Calling our paid helpline number +91 22 48903009
Logging in to your Reliance Self-i App
Visiting our Car Insurance Claim page
Take your vehicle to a nearby authorised network garage for a vehicle assessment.
Submit a completed claim form and provide other necessary documents to the surveyor. The surveyor will inspect your vehicle and evaluate the claim.
We ensure a swift claim survey, scheduling a survey call within 48 hours of your claim initiation.
During the survey, we will assess and confirm the liabilities. Based on the inspection, we will approve or deny the claim.
Once the claim of your cashless car insurance for Maruti Suzuki Swift is approved, the repair work will be carried out at the network garage.
After the completion of repairs, we will settle the claim directly with the garage, so you will not need to pay the repair bills upfront.
*Note that we do not pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.
The reimbursement claim can be initiated the same way as the cashless claim.
To support your claim, collect all the evidence of the incident, such as photographs.
Take your car to any nearby garage of your choice to get the necessary repairs done.
Once done with all the repairs, make sure to gather all the bills, receipts and invoices from the garage, as these will be required when filing your claim.
Accurately fill out the claim form, detailing the incident.
Submit the completed claim form along with all the necessary documents, including the garage bills and invoices.
*Note that with reimbursement claims, you have to settle the bills with garages from your own pockets.
You can check the status of your claim online by entering your claim number/policy number.
Sr. No.
Documents Required
1.
Contact number
2.
Repair bills
3.
Contact details and name of the insured person (if the person intimating the claim is not insured)
4.
Policy number
5.
Copy of driving licence
6.
NOC of the financer
7.
Copy of registration certificate
8.
Name of the insured person
9.
Location, Date & time of accident
10.
Make and model of the vehicle
11.
Extent of loss
12.
FIR (in case of claim for third-party liabilities or theft)
13.
Garage name (with contact details)
14.
Forms 28, 29 and 30 signed by the insured (for admission of liability)
Here is the complete list of car insurance claim documents that you can refer to.
Parameters
Maruti Suzuki Swift Cashless Insurance
Maruti Suzuki Swift Insurance Reimbursement
Bill Settlement
Direct settlement with the network garage by us.
You pay the garage for the repairs upfront. We reimburse you later.
Claim Process
Quicker and more efficient process.
A more detailed and time-consuming process.
Convenience
Highly convenient as there is no need for upfront payments.
Less convenient, as you need to manage payments and claims.
Documentation
Minimal paperwork is required as we handle it for you.
Extensive documentation, including the garage bills and repair receipts.
Processing Time
Typically faster due to direct coordination.
Takes longer due to detailed verification.
The premium rates for your Maruti Suzuki Swift insurance policy can vary significantly based on several factors. Understanding these factors can help you secure the most cost-effective coverage for your vehicle.
The Insurance Regulatory and Development Authority of India (IRDAI) sets the premium rates for third-party car insurance. These rates are determined annually based on the engine cubic capacity of the vehicle. Larger engines generally have high premiums.
For the comprehensive plans, the premium rates are often influenced by the following factors:
Your geographical location significantly impacts your Maruti Suzuki insurance premium. If you reside in a low-traffic area, your premiums will likely be lower. On the other hand, living in a metropolitan area with high traffic and higher theft risks can result in a higher premium due to increased exposure to potential claims.
The cost of your Swift car insurance premium is influenced by its specific model and variant. Factors such as engine capacity and additional features can also affect the premium. So, higher-end models with more features may have high insurance costs due to the potential for more expensive repairs or replacements.
The IDV of your vehicle directly impacts your Maruti Suzuki Swift car insurance rates. A higher IDV, representing the car’s current market value, results in a higher premium but offers greater financial protection in case of total loss or theft. On the other hand, a lower IDV can reduce premiums but may lead to lower claim settlements.
Older vehicles generally have a lower IDV, which can lead to lower premiums. However, due to potential wear and tear, older cars may be considered a higher risk, potentially leading to a premium reduction from the lower IDV.
Comprehensive car insurance policies, which offer extensive coverage, are generally more expensive than basic third-party insurance. Additional coverage options or customised plans tailored to your needs can further increase the premium.
Choosing a higher voluntary deductible can lower your premium. However, this means that you will have to bear a higher out-of-pocket expense in case of a claim, so it is essential to balance the deductible with your budget.
To get a quick estimate of your premium rates of car insurance for Maruti Suzuki Swift, use our free car insurance premium calculator. Here’s how you can use it:
Start by inputting your car's registration number, email address and mobile number.
Indicate whether you already have an existing policy with us.
After providing the information, the tool will generate an estimated premium for your car.
For a used car, you will need to provide additional details like fuel type, claim history and the car’s model.
Third-party car insurance premiums are set by the Insurance Regulatory and Development Authority of India (IRDAI) based on the engine size of your vehicle. This standard rate applies to all insurance providers. To determine your premium as per your car’s cubic capacity, refer to the table below:
Engine Capacity
Premium for One Year (in ₹)
Up to 1000 cc
2,094
Above 1000 cc up to 1500 cc
3,416
Above 1500 cc
7,897
Battery
Up to 30 kW
1,780
Above 30 kW up to 65 kW
2,904
Above 65 kW
6,712
The Maruti Suzuki Swift is a popular hatchback that is preferred due to its combination of practicality and great driving experience. Here are a few key features of the model:
Maruti Suzuki Swift is known for its powerful and fuel-efficient engine.
The mode boasts a 111.7N@4300rpm Torque and offers 60kW@5700rpm power.
The AGS models offer automatic gear shifts for optimal driving performance.
The safety features like airbags, ABS and EBD ensure the driver and passenger safety.
The Maruti Suzuki Swift has 9 variants that are available in various colour options with some models being available in 7 different colours and combinations.
Maruti Suzuki Swift Car Model
Price in Delhi (as of August 2024)#
Swift Lxi
Manual | Petrol
₹6.49 lakhs
Swift Vxi
₹7.3 lakhs
Swift Vxi (O)
₹7.6 lakhs
Swift Vxi AGS
Automatic | Petrol
₹7.74 lakhs
Swift Vxi (O) AGS
₹8.01 lakhs
Swift Zxi
₹8.3 lakhs
Swift Zxi AGS
₹8.74 lakhs
Swift Zxi+
₹8.99 lakhs
Swift Zxi+ AGS
₹9.44 lakhs
#These prices will vary with time, your purchase location and model variant.
Car Models
Maruti Baleno
Maruti WagonR
Maruti Celerio
Maruti Suzuki Swift Dzire
Maruti Ciaz
Maruti Suzuki Swift
Maruti Suzuki Alto
Maruti Suzuki S-Cross
Maruti Suzuki Baleno
Maruti Suzuki Ritz
Maruti Suzuki Eeco
Maruti Suzuki Omni
Maruti Suzuki Ignis
Yes, Reliance General Insurance offers discounts on online purchases or renewal of Maruti Suzuki Swift insurance.
Yes, you can transfer your Swift insurance to the new owner of the car. You will need to inform us about the sale of your car and provide the necessary details for further processing.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Swift with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
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