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Maruti Suzuki Baleno Car Insurance

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Reviewed by  Gaurav Shrimankar:

Gaurav Shrimankar

Deputy Vice President

Insurnace Professional having extensive experience in Motor Core Underwriting, Underwriting IT & Pricing.

Car Insurance is a critical document for every motor vehicle owner in India. If you have just brought home a Maruti Suzuki Baleno, make sure to get it insured before taking it out on public roads.

Our Maruti Suzuki Baleno car insurance is a financial safety net that safeguards you against a wide range of losses and damages suffered by your four-wheeler.

By purchasing our Maruti auto insurance today, you can enjoy various perks such as:

100%
Claims Settlement*
11,000+
Network Garages*
5 Crore+
Happy Customers*
₹238/month*
Starting premiums*

How to Buy Maruti Suzuki Baleno Car Insurance Online and Offline?

Steps to Buy Maruti Suzuki Baleno Car Insurance Online

  1. Go to the Reliance General Car Insurance Page.​

  2. Enter the registration number of your Maruti Suzuki Baleno. Also, fill in your mobile number and email address.

  3. Click “View Prices" to receive a car insurance quote based on your details.

  4. If satisfied with the quote, customise your plan with the help of add-ons.

  5. Pay the Maruti Suzuki Baleno insurance amount online to finalise your purchase.

Steps to Buy Maruti Suzuki Baleno Car Insurance Offline

  1. Visit the nearest Reliance General Insurance branch. You can find the nearest one using our Branch Locator.

  2. Learn about the best insurance for Maruti Suzuki Baleno cars from our on-site representatives.

  3. Fill and submit the purchase form along with other necessary documents.

  4. Make the premium payment in cash or online using any method of your choice.

Maruti Baleno Insurance Renewal Online

  1. Visit our official website and select Renew Car Insurance under the “Renewal" tab to start your Baleno car insurance renewal process.

  2. Enter your policy and vehicle details.

  3. Adjust your coverage and modify the policy based on your requirements.

  4. Verify the details and pay the Baleno car insurance renewal price to renew your existing car insurance for your Maruti Baleno.

How to Buy Second-Hand Maruti Suzuki Baleno Car Insurance?

The process for purchasing car insurance for a second-hand Maruti Suzuki Baleno is no different than buying car insurance for a brand-new car. This is all you need to do to buy insurance for a second-hand or used Maruti Baleno car:

Conduct Vehicle Inspection

Since it is a used vehicle, the first step is to conduct a careful inspection to learn about the condition, market value, driving history and insurance history of the vehicle. This will help you outline the risk profile of the vehicle and its coverage requirements.

Gather Documents

Collect all the necessary documents such as a copy of RC transfer, previous policy documents, NOC certificates, Forms 29 and 30, driving licence, etc.

Purchase Suitable Plan​

PlanOn our Car Insurance Page​, select a suitable Maruti Suzuki Baleno car insurance and customise it as per your requirements.

Make Premium Payment

Review your Maruti Baleno car insurance plan details and proceed with the premium payment.

Also Read: How to Transfer Car Insurance while Buying A Second-Hand Car

Why Do You Need Car Insurance for Maruti Suzuki Baleno?

Mandatory Requirement

Not just Maruti Baleno, but having insurance is mandatory for every motor vehicle owner. As per our Motor Vehicles Act, every vehicle owner must have a long-term third-party motor insurance plan. Failure to meet this legal requirement can lead to several consequences, including hefty penalties.

Financial Protection

Maruti Baleno insurance covers the damages and losses arising from a range of unprecedented events, from natural and man-made disasters to theft, fire and others. This helps you deal with the hefty repair and replacement expenses and bring your vehicle back on the roads.

Worry-Free Driving Experience

Above all, having car insurance for Maruti Baleno allows you to drive worry-free without worrying about unforeseen financial risks.

Reliance General Insurance Features and Benefits of Maruti Suzuki Baleno Car Insurance

Instant Policy Issuance

We offer instant policy issuance without involving a lot of documentation and complicated vehicle inspection.

100% Claims Settlement

By purchasing your Maruti Suzuki Baleno vehicle insurance from Reliance General, you can benefit from our 100% claims settlement ratio. It reflects our efficient claims resolution process.

Cashless Repairs

We have a strong network of more than 10,000 network garages where you can get quality repairs cashlessly.

Quick Claims Settlement

We offer a stress-free claims settlement process with a quick turnaround time for your added convenience.

Affordable Premiums

Purchasing car insurance for Maruti Baleno should not bring additional financial implications. Hence, we offer low-cost premiums starting from just ₹238* per month.​

Types of Reliance Car Insurance For Maruti Suzuki Baleno

Types of Maruti Suzuki Baleno Car Insurance Description
Third-Party Car InsuranceCovers losses and damages incurred to a third party by your vehicle. It is a legal requirement for every vehicle owner in the country.
Own Damage Car InsuranceOnly covers the damages incurred to the insured car. It covers damages due to road accidents, natural disasters, man-made disasters (riots, strikes, etc.), theft, fire, explosions, etc.
Comprehensive Car InsuranceIt protects against damages and losses arising from both third-party liabilities and self damage incurred to the insured car. It provides complete financial protection to your Maruti car.
Pay-As-You-Drive Insurance This usage-based car insurance for Maruti Baleno allows you to pay according to the number of kilometres driven by your car.
It also offers up to 90% savings on premiums and allows you to carry forward unused kilometres.

Maruti Suzuki Baleno Insurance Coverage: Inclusions and Exclusions

Maruti Suzuki Baleno Insurance Policy Inclusions

  • Third-party liabilities.

  • Own damage to the insured vehicle from road accidents.

  • Damage due to natural disasters such as thunderstorms, floods, cyclones, earthquakes, etc.

  • Damage due to man-made scenarios such as riots and strikes.

  • Theft

  • Fire and explosions.

  • Personal accident cover for the owner-driver.

Maruti Suzuki Baleno Car Insurance Policy Exclusions

  • Damage or loss incurred outside the geographic area stated in the Maruti Baleno car insurance policy (India).

  • Any claims filed after the expiry of the policy.

  • Regular wear and tear.

  • Damage due to violation of traffic regulations.

  • Damage arising from driving under the influence of alcohol or drugs.

  • Contractual liabilities.

  • Damage due to negligence from the insured driver.

  • Damage due to war, invasion, nuclear attacks or related events.

Refer to your policy wordings for a complete list of inclusions and exclusions.

Maruti Baleno Insurance Add-On Covers

Maruti Baleno Insurance Add-On Benefit
Nil Depreciation CoverCover the total cost of repair and replacement without taking into account its depreciation value.
Engine Protection Cover It protects the engine from damages resulting from various issues, such as oil leakage, water ingression, etc.
EMI Protection CoverHelps in paying EMIs for the time the vehicle is undergoing repairs after an accident.
Consumables CoverOffers financial coverage for consumables such as nuts, bolts and grease after an accident.
Daily Allowance BenefitOffers compensation for alternate transportation for the time the insured car is undergoing repairs.
Loss of Personal Belongings Covers the cost of stolen personal belongings from the insured car.
Electric Accessories CoverCovers additional electric accessories against damage or theft.
Non-electric Accessories CoverCovers additional non-electric accessories against damage or theft.
Geo Extension CoverExtends Baleno insurance coverage to countries/regions outside India.
Emergency Hotel Accommodation CoverPays for your emergency hotel accommodation in case of vehicle failure.
NCB Retention CoverAllows you to retain your No-claims Bonus points even after filing a claim.
Pay-As-You-Drive CoverAllows you to pay premiums based on the usage of your vehicle.
24*7 Roadside Assistance Offers 24*7 on-road assistance during emergencies and vehicle breakdowns.
Return-to-Invoice CoverLets you claim the original value of your vehicle in case of a complete loss.
RIM Protection CoverProtects your vehicle's rims against damage.
Tyre Protection CoverProtects your vehicle's tyres against damage or wear and tear.
Key Replacement CoverCovers the cost of replacing/repairing your vehicle's key.

Maruti Suzuki Baleno Car Insurance Claim Process

Maruti Suzuki Baleno Insurance Claim: Cashless Claim

  1. Intimate your Maruti Baleno car insurance claim within 24 hours of the occurrence of a covered event. There are three ways to do so:

    1. Call us on +91-22-4890-3009

    2. Visit our Claims Page.

    3. Via Reliance Self-i app.

  2. Register an FIR at your nearest police station and save a copy for the claims process.

  3. Take your vehicle to the Reliance network garage nearest to your location. Use our Garage Locator Tool for the same purpose.

  4. Submit a complete Claims Form along with the documents to our surveyor for vehicle inspection.

  5. Once your claim has been approved, your vehicle will be repaired at the network facility.

  6. Upon completion, your repair expenses will be settled directly by us at the network garage.

Maruti Suzuki Baleno Insurance Claim: Reimbursement Claim

  1. Intimate your claim within 24 hours of the occurrence of a covered event. There are three ways to do so:

    1. ​Call us on +91-22-4890-3009

    2. Visit our Claims Page.

    3. Via Reliance Self-i app.​

  2. Register an FIR at your local police station and save a copy for the claims process.

  3. Gather all th​e supporting evidence for your claim. This includes photos, videos, CCTV footage, FIR and other vehicle related documents.

  4. Get your damaged Maruti vehicle repaired at any non-network garage of your choice and pay the expenses upfront.

  5. Fill out the claims form and submit all the necessary documents and repair bills to our nearest branch. You can also submit your claims documents online.

  6. Upon receiving your claims documents, our team will carry out a verification process and release your compensation accordingly.

Documents for Maruti Suzuki Baleno Insurance Claim

  • Duly filled and signed Motor Claims Form.

  • A copy of FIR

  • A copy of policy papers

  • A copy of the vehicle's registration certificate (RC)

  • Driving licence

  • Repair bills

  • NOC from the financer

  • Duly filled and signed Forms 28, 29 and 30 (on admission of liability)

  • Other Claim-specific documents.

Check out the detailed list of our motor insurance claims documents.

Maruti Suzuki Baleno Insurance Claim: Cashless vs Reimbursement

Parameters Maruti Suzuki Baleno Cashless Insurance Maruti Suzuki Baleno Insurance Reimbursement
Claims ProcessSimple process with minimal paperwork. Complex process that involves a fair amount of documentation.
Repair FacilitiesCashless car insurance for Maruti Suzuki Baleno is only available at our network garages. You can get your damaged vehicle repaired at any non-network garage of your choice.
Upfront Payment Minimum to no upfront payment. (Only deductibles and co-payment)You need to pay all your vehicle's repair bills initially.
Settlement TimeTakes less time because covered expenses are directly settled at the network garage. Takes more time because you need to follow a step-by-step reimbursement procedure that involves submitting documents and stringent verification checks.
Convenience Highly convenient. Less convenient but equally stress-free due to our efficient claims settlement department.

Maruti Suzuki Baleno Car Insurance Premium

Your Maruti Baleno car insurance price is not fixed. It is influenced by multiple factors such as its variant, age, IDV, type of plan and more. Let's see how these factors can affect your Baleno insurance cost:

Insured Declared Value

Insured Declared Value is the current market rate of your vehicle. In terms of your Baleno car's full insurance price, cars with higher IDV lead to a higher premium. However, this also ensures a higher claim limit in case you suffer a complete loss of your insured vehicle due to theft or any other covered event.

Age of Vehicle

The age of your four-wheeler is a major factor that decides your car insurance price for Baleno. Generally, new cars attract higher premiums due to their higher market value. On the other hand, second-hand cars can be insured at a lower cost due to their depreciated value.  

Variant

Maruti Baleno insurance cost can also vary on its variant or model. Usually, the higher or more advanced variants of Baleno attract higher premiums due to higher repair/replacement cost.

Type of Policy

Different types of car insurance plans serve different purposes and, hence, come at varying prices. For instance, a third-party car insurance plan is cheaper but does not offer self-damage coverage to your car.

On the other hand, comprehensive car insurance might be slightly expensive but offers extensive coverage for your vehicle's self-damage as well as third-party liabilities.

oluntary Payments

Voluntary payments such as deductibles and co-payment options can also impact your Maruti Baleno insurance cost per year.

These refer to the portion of payment you agree to pay before your insurance policy covers the rest. By opting for higher out-of-pocket expenses, you can lower your premiums significantly.​

How to Calculate Maruti Suzuki Baleno Car Insurance Premium?

Using Car Insurance Premium Calculator

  1. Open our car insurance premium calculator.

  2. Enter your vehicle's registration number alongside your contact details.

  3. Click “Get Price" to receive a quote based on the car details you have entered.

That's how simple it is to estimate your Baleno insurance price using our simple insurance premiums calculator.

Maruti Suzuki Baleno Third-Party Insurance Price

The Maruti Baleno insurance price for third-party insurance is decided per the rates set by the IRDAI. Below is a table depicting the cost of third-party insurance for different normal and regular cars in India:

For Regular Cars

Engine Capacity Insurance Premium Cost for Single-Year Policy (in ₹) Insurance Premium Cost for Three-Year Policy (in ₹)
Up to 1000 cc₹2,094₹6,521
Within 1000 cc to 1500 cc₹3,416₹10,640
Over 1500 cc ₹7,897₹24,596

For Electric Cars

Battery Insurance Premium Cost for Single-Year Policy (in ₹) Insurance Premium Cost for Three-Year Policy (in ₹)
Up to 30 kW₹1,780₹5,543
Within 30 kW to 65 kW₹2,904₹9,044
Over 65 kW₹6,712₹20,907

Maruti Suzuki Baleno - Overview and USPs

Aesthetic Design

Maruti Suzuki Baleno variants feature a stylish and sleek design with attractive front grill, stunning headlamps and alloy wheels. Further, it is available in 7 attractive colours.

Fuel Efficiency

Maruti Suzuki Baleno models come with a powerful K-series engine that offers excellent fuel efficiency and performance. Interestingly, it offers a top speed of 180 mph with a petrol highway mileage of 24 kmpl.

Spacious Interiors

This premium hatchback boasts high-quality and spacious interiors with plenty of boot space and comfortable seating for driver and passengers. It also has features like Tachometer, Glove Box, Front Footwell Lamp, TFT colour display and more.

Safety Features

Similar to other Maruti Suzuki four-wheelers, Baleno also has plenty of safety features, including ABS-EBD, central locking, 6 airbags, an anti-theft alarm, a 360° view camera and many more.

Entertainment and Communication

There are numerous entertainment features, including a 9-inch touchscreen display, integrated 2DIN audio, Android Auto, Apple Carplay, SmartPlay Pro+ and more.

​Maruti Suzuki Baleno - Top Models and Prices

Maruti Suzuki Baleno Car Models Starting Price in New Delhi (as of August 2024)*
Baleno Sigma₹6.66 lakh
Baleno Delta₹7.50 lakh
Baleno Delta AMT₹7.95 lakh
Baleno Delta CNG₹8.40 lakh
Baleno Zeta₹8.43 lakh
Baleno Zeta AMT₹8.88 lakh
Baleno Alpha₹9.38 lakh
Baleno Alpha AMT₹9.83 lakh
​​​

*Note: Prices can vary based on your location, variants and other factors. Hence, get in touch with a trusted Maruti Suzuki dealer for accurate information on vehicle specifications and pricing.

Popular Maruti Suzuki Baleno Insurance Reliance General Insurance Offers (Model Names)

Maruti Suzuki BalenoMaruti Suzuki OmniMaruti Ciaz
Maruti CelerioMaruti Suzuki SwiftMaruti Suzuki S-Cross
Maruti WagonRMaruti Suzuki OmniMaruti Suzuki Ignis
Maruti Suzuki RitzMaruti Suzuki Grand VitaraMaruti Suzuki Swift Dzire

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Frequently Asked Questions

Is it compulsory to purchase insurance for a second-hand Maruti Suzuki Baleno car?

Yes. Every motor vehicle in India must be insured regardless of whether it is new or second-hand. Thus, make sure to purchase a suitable insurance policy for your Maruti Suzuki Baleno.

What does cashless car insurance for Maruti Suzuki Baleno cover?

Reliance car insurance for Maruti Baleno covers a wide range of financial risks arising from natural disasters, man-made damages, theft, fire and explosions, third-party liabilities and more. Check out our plans for specific coverage details.

What is the Maruti Baleno insurance price at Reliance General Insurance?

Maruti Baleno insurance cost per year at Reliance General Insurance starts as low as ₹238* per month. For more information on your insurance premium rates, ​​get in touch ​with our team.

What is the new Baleno Sigma insurance price?

​The cost of Baleno Sigma insurance at Reliance General Insurance is calculated based on factors like your car's IDV, policy type, registration year, location and so on. Get in touch with our team for more information.

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 Alto 800 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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