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Maruti Suzuki Swift Dzire Car Insurance

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Purchase Reliance Maruti Suzuki Swift Dzire Car Insurance starting at just ₹238/month*

Maruti Swift Dzire vehicle insurance is the first thing you should purchase after bringing your Swift Dzire home. It is an indispensable document that helps you comply with legal regulations and protects your vehicle against unforeseen damages.

At Reliance General Insurance, we offer a Maruti Swift Dzire insurance policy that offers comprehensive coverage at minimum premiums.

Our car insurance plans offer tailor-made coverage with quick claims settlement and pocket-friendly premiums.

Explore our car insurance for Maruti Swift Dzire for benefits like:

100%
Claims Settlement*
10,000+
Network Garages*
5 crore+
Happy Customers*
₹238/month
Starting premiums*

How to Buy Maruti Swift Dzire Car Insurance Online and Offline?

Online Buying Process for Maruti Swift Dzire Car Insurance

  • Visit our homepage -> Explore Products -> Car Insurance.
  • Enter your vehicle's registration number, your email ID and mobile number. Next, click “View Prices".
  • Select desired add-ons, discounts and IDV from the given options.
  • Select your desired plans from the available options and click on “Buy Now".
  • Review your plan details and click “Next".
  • Proceed with the final payment.

Maruti Suzuki Swift Dzire Vehicle Insurance Offline Buying Process

  • Visit the Reliance General Insurance branch. Use our Branch Locator tool to find your nearest location.
  • Learn about the best insurance for Maruti Swift Dzire cars from our agents. Based on your requirements, finalise a suitable policy.
  • Fill out and submit a policy purchase form and the specified documents.
  • Make the payment towards Swift Dzire insurance amount and finalise your purchase.

Maruti Suzuki Swift Dzire Car Insurance Renewal Online

Here is how you can perform your Maruti Swift Dzire car insurance renewal in India with Reliance General Insurance:

  • ​For Maruti Swift Dzire insurance renewal online, visit our official site and navigate to our homepage -> Renewal -> Renew Car Insurance.
  • Enter specified details: policy/mobile number and vehicle details (registration number/engine number/chassis number). Click “Go".
  • Modify your plan if needed.
  • Verify your coverage details and complete the Maruti Swift Dzire yearly insurance payment for policy renewal.

How to Buy a Second-Hand Maruti Swift Dzire Car Insurance?

  1. Perform vehicle inspection to learn about the condition, insurance history and coverage requirements of the second-hand Maruti Swift Dzire car.
  2. Collect the necessary documents such as RC transfer, NOC documents, previous insurance papers, driving licence and other specified documents.
  3. Purchase a suitable policy from our Car Insurance​​ page using the same method described above.
  4. Pay the specified Maruti Swift Dzire insurance cost ​using any desired payment method.

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

Why Do You Need Maruti Suzuki Swift Dzire Car Insurance?

Legal Compliance

Having at least a third-party Maruti Swift Dzire car insurance plan is compulsory for every vehicle owner. Any failure to meet this legal regulation can lead to heavy fines and penalties.

Protection Against Third-party Liabilities

Car insurance for Maruti Swift Dzire helps you compensate third parties for damages, injuries and even death caused by your vehicle. It is also necessary to deal with legal formalities.

Protection Against Unforeseen Losses

You need suitable car insurance to safeguard yourself from various expenses arising from any unforeseen damages incurred to your vehicle in scenarios like natural disasters, man-made disasters, etc.

Coverage Against Theft

Car insurance for Maruti Swift Dzire protects you from financial losses due to theft of your vehicle. It helps you recover the value of your stolen car.

Peace of Mind

By offering necessary financial protection during emergencies, car insurance provides you with a great satisfaction and peace of mind, knowing that your savings are secure in the bank.

Features and Benefits of Maruti Suzuki Swift Dzire Car Insurance

Features & Benefits Details
Extensive Coverage Our Maruti Swift Dzire insurance plans offer broad coverage against a wide range of events, including natural and man-made disasters, fire, explosions, theft and more.
100% Claims Settlement RatioReliance General Insurance has achieved a claims settlement ratio of 100% during FY 2023-24. We ensure a smooth and timely claim resolution.
Cashless RepairsWe have more than 10,000 network garages within India, where you can receive cashless repair services from expert mechanics.
Low Premiums Our Maruti Suzuki Swift Dzire insurance plans are priced reasonably to fit your budget. You can purchase a desired policy starting from just  ₹238* per month.
Easy Claims ProcessOur claims settlement process is super easy, quick and stress-free. You can easily file your claims online or settle them cashlessly at our network facilities.
Useful Add-onsWe offer more than 20 useful car insurance add-ons that can help you enhance your coverage based on unique requirements.
Online Paperless PoliciesWe offer a simple policy purchase process with benefits such as instant issuance, zero paperwork, online discounts, etc.
Discounts and RewardsYou can avail up to 80% discount on purchasing your Swift Dzire insurance policy online from our website or Reliance Self-i app. In addition to it, you can also enjoy NCB discounts up to 50%.

Types of Maruti Swift Dzire Insurance​ Plans

Types of Maruti Swift Dzire Vehicle Insurance By Reliance Description
Third-Party InsuranceIt is a mandatory motor insurance policy for every motor vehicle owner in the country. It offers financial protection from third-party losses/damages arising from the insured four-wheeler. Note that it does not cover damages to the insured vehicle.
Own-Damage Car Insurance (SAOD Car Insurance)It only covers damage and loss caused to the insured vehicle. This includes damage due to natural and manmade disasters and vehicular theft.
Comprehensive Car InsuranceIt offers 360° financial protection against third-party liabilities as well as own-damages for the insured car.
Our comprehensive car insurance plans also come bundled with a mandatory personal accident cover for the owner-driver.
Pay-As-You-Drive Insurance (PAYD)It is a unique car insurance plan designed for car owners who don't use their vehicles very often and, hence, don't want to pay a flat rate.
This model allows you to adjust your premiums and save up to 90% based on the mileage or usage of your car. You only pay for the distance driven by the car; not for the time it is parked in your garage.

Maruti Suzuki Swift Dzire Insurance Coverage: Inclusions and Exclusions

Maruti Suzuki Swift Dzire Car Insurance Inclusions

  • Natural Calamities:  Our plans cover damages arising from thunderstorms, hailstorms, floods, earthquakes, cyclones, and so on.
  • Man-made Hazards: Our plans cover damages due to riots, strikes and other human-made disasters.
  • Theft: We cover theft or robbery of the insured vehicle.
  • Fire: Our Maruti Swift Dzire insurance coverage also includes unforeseen damages due to fires and explosions.
  • Third-party Damages:  Our Swift Dzire insurance policy covers legal expenses incurred due to an accident involving third parties or their property.

Maruti Suzuki Swift Dzire Car Insurance Policy Exclusions

Our Maruti Suzuki Swift car insurance plans do not cover any financial losses arising from the following event:

  • War, invasion, nuclear attacks, etc.
  • Damages due to your own negligence.
  • Damages due to driving in a drunken/intoxicated state.
  • Regular wear and tear over time.
  • Damages due to violation of traffic regulations.
  • Contractual liabilities.
  • Damages incurred while driving outside the covered geographical area.
  • Any claims raised after the expiry of the policy.

Maruti Swift Dzire Insurance Add-On Covers

Bumper-to-Bumper or Nil Dep Cover

It makes sure that the depreciation value of your car is not deducted when providing financial coverage for the replacement of your auto parts.

Pay-As-You-Drive Cover

Getting this cover under your Reliance car insurance for Maruti Swift Dzire helps you adjust your premiums based on the number of kilometres driven by your four-wheeler.

Total Cover

It helps you claim the total on-road price of your vehicle in case of complete loss or damage.

24*7 Roadside Assistance Cover

It helps you avail immediate roadside assistance during vehicle-related emergencies.

EMI Protection Cover

It covers your loan instalments for the time your car is undergoing repairs at our network garage for an extended period.

Daily Allowance Benefit

It covers your alternate transportation cost when your car is undergoing repair work.

Engine Protection Cover

It financially protects your engine against damages such as water ingress, oil leakage, etc.

Type Protection Cover

It protects your car's tyres against damage/loss.

Key Replacement Cover

It financially protects against the expenses arising from your car's key replacement.

Emergency Hotel Accommodation Cover

It covers the cost of your emergency accommodation in case of vehicle breakdowns in remote locations.

Loss of Belongings Cover

It helps you get reimbursed for the loss of your personal belongings inside a car due to theft.

Electrical Accessories Cover

It offers financial protection for your electric accessories against theft and damages.

Non-Electrical Accessories Cover

It offers financial protection against theft and damage to your non-electric accessories.

Geo Extension Cover

It helps you extend your coverage to countries other than India. This Maruti Suzuki Swift Dzire car insurance add-on is ideal for those who intend to travel to nearby countries by car.

Consumables Cover

It covers the cost of required consumables after a covered event. These include oil, nuts and bolts and other overlooked items.

RIM Protection Cover

It offers financial protection to the rims of your vehicle.

NCB Retention Cover

It helps you retain your​ NCB (no-claims bonus) discounts even after making a claim – for up to two claims.

Electric Motor Protect Cover

It offers financial protection to your vehicle's electric motor.

Maruti Swift Dzire Car Insurance Claim Process

Maruti Swift Dzire Insurance Claim: Cashless Claim

  1. Register your claim within 24 hours of suffering the mishap. You can inform us in three ways:
    1. By calling on +91-22-4890-3009 (paid)
    2. By using the Reliance Self-iapplication.
    3. By visiting our Claims Page.
  2. File an FIR and save a copy for the claim process. (In case of accidents and theft).
  3. Take your vehicle to any nearby network garage of Reliance General Insurance.
  4. Submit the claims form and necessary documents to our surveyor.
  5. Once your claim is approved, get your repairs done.
  6. After the repair work is complete, we will settle the invoices directly with the network garage. You don't have to worry about the resulting expenses.

Maruti Suzuki Swift Dzire Insurance Claim: Reimbursement Claim

  1. Register your claim using any method mentioned in the above section.
  2. File an FIR and save a copy for the claim process. (In case of accidents and theft).
  3. Gather all the evidence supporting your claim. These include photographs, videos, the FIR report and others.
  4. Repair your car at any repair facility of your choice and collect the invoice.
  5. Fill out the claims form and submit it alongside all the documents and repair invoices.

    After receiving your documents and claim application, our team will review them and initiate your reimbursement upon successful verification. Meanwhile, you can monitor your car insurance claim status online​ using your policy/claim reference number.

Documents for Maruti Swift Dzire Insurance Claim

  • Carefully filled and signed Motor Claims Form.
  • A copy of policy documents.
  • A copy of the car's registration certificate (RC)
  • A copy of the driver's licence
  • A copy of FIR (for third-party cases and accidents)
  • A copy of an acknowledgement letter from RTO for theft and non-use of vehicle.

    Useful Links:
  1. Reliance Car Insurance Claim Documents

Maruti Suzuki Swift Dzire Car Insurance Claim: Cashless vs Reimbursement

Parameters Cashless Car Insurance for Maruti Swift Dzire Maruti Swift Dzire  Insurance Reimbursement
GaragesCashless claims settlement facility is only available at the network garages. Reimbursement claim feature provides you with the freedom to get your vehicle repaired at any garage of your preference.
PaymentNo need to pay for repair expenses (except for the selected deductibles). Need to pay the repair expenses before applying for reimbursement.
ConvenienceVery convenient. More steps are involved 
DocumentationMaruti Swift Dzire cashless insurance requires less documentation due to direct cashless settlement. Requires a fair amount of documentation.
Processing TimeTakes less time due to direct settlement at the selected network garage. Takes more time due to a stringent documentation and verification process.

Factor Affecting Maruti Suzuki Swift Dzire Car Insurance Premium

Car Model and Variant

The particular model or variant of your Swift Dzire also influences its premium cost. Generally, the high-end variants attract higher premiums than the vehicle's base models.

Insured Declared Value

Insured Declared Value represents the maximum amount you can claim with your policy. It is determined based on the current market value of the vehicle. Note that a higher IDV leads to higher premiums. However, it also ensures a better claim limit in the event of total loss.

Deductibles

Your Maruti Swift car insurance premiums can increase or decrease based on your deductibles. If you want to lower your premiums, then opt for higher deductibles. This is basically the amount you pay from your pocket while the rest is covered by your insurance plan.

Type of Coverage

Your Maruti Swift Dzire car insurance price also depends on the type of coverage you choose. If you only buy a third-party or own-damage policy, the premium rates will be cheaper. On the other hand, the cost will be high if you buy a comprehensive car insurance plan.

Location

The place of your residence or where you use your insured vehicle can also influence your insurance premiums. Generally, vehicles in major and metropolitan cities face a higher risk of theft and accidents, hence attract higher premiums.

How to Calculate Maruti Swift Dzire Car Insurance Premium?

  1. Go to our car insurance premium calculator.
  2. Enter details of your Maruti Suzuki Swift Dzire. You are required to specify your car's registration number along with your contact information.
  3. Click on “View Prices" to retrieve Maruti Swift Dzire car insurance rates.
  4. If you have a second-hand car, you may need to enter a few additional details, such as its age, fuel type, insurance history and so on.

    Once the form is submitted, you will receive a free insurance quote with the estimated Maruti Suzuki Swift Dzire insurance price.

Maruti Swift Dzire Insurance: Third-Party Insurance Premium

Third-party car insurance premiums for all motor vehicles are decided by IRDAI based on the engine or battery capacity of vehicles. Below are updated cost tables for third-party car insurance premiums for normal and electric vehicles:

For Regular Cars

Engine Capacity For Single-Year  Policy (in ₹) 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 Capacity For Single-Year Policy (in ₹) 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 Swift Dzire - Overview and USPs

Engine and Fuel Options

The variants of Swift Dzire feature a powerful K-series engine that offers excellent torque and displacement. Further, the car is available in CNG and Petrol variants.

Fuel Economy

Maruti Swift Dzire cars offer a mileage of around 22-24 kmpl with a top speed of 155 mph. Interestingly, the CNG variants offer even better fuel efficiency than the petrol versions.

Interiors

The interiors of Swift Dzire are comfortable and feature good space and seating areas. It also comes with a digital display, speakers, adjustable steering, push-to-start button and other useful features.

Safety Features

Maruti Suzuki Swift Dzire comes with multiple safety features such as dual airbags, ABS with EBD, a parking camera, and more.

Pricing and Variants

Maruti Swift Dzire is priced reasonably, making it one of the most affordable sedan cars in the market. Further, there are about 9 variants available with petrol and CNG options.

Maruti Suzuki Swift Dzire - Models and Prices

Maruti Suzuki Swift Dzire Car Model Ex-showroom Price*
Maruti Swift Dzire LXI (Base Model)₹6.56 lakh
Maruti Swift Dzire VXI ₹8.41 lakh
Maruti Swift Dzire VXI AT₹8.90 lakh
Maruti Swift Dzire ZXI
₹9.16 lakh
Maruti Swift Dzire VXI CNG₹9.46 lakh
Maruti Swift Dzire ZXI AT₹9.65lakh
Maruti Swift Dzire ZXI Plus₹9.94 lakh
Maruti Swift Dzire ZXI CNG₹10.21 lakh
Maruti Swift Dzire ZXI Plus AT₹10.42 lakh

*Note: These prices can vary based on location, variant, market fluctuations and other factors. It is advisable to get in touch with a trusted car dealership for accurate pricing details.

Popular Maruti Swift Dzire Insurance Reliance General Insurance Offers (Model Names)

Maruti Suzuki Swift DzireMaruti Suzuki BalenoMaruti Suzuki S-Cross
Maruti Suzuki SwiftMaruti Suzuki RitzMaruti Suzuki Alto
Maruti Suzuki Wagon RMaruti Suzuki EecoMaruti Suzuki Ignis
Maruti Suzuki OmniMaruti Suzuki CiazMaruti Suzuki Celerio

Frequently Asked Questions

  • Is third-party insurance enough for Maruti Suzuki Swift?
    That will depend on your coverage needs. If you live in a low-risk area with less traffic and low crime rates or are on a budget, a third-party plan may be enough.

    However, if you've got a new car or live in a large metropolitan city, we recommend getting a comprehensive plan since the likelihood of filing an own damage claim goes up with these factors.

  • How can the cost of Maruti Swift Dzire car insurance premiums be reduced?
    You can significantly reduce your Swift Dzire insurance price by choosing higher deductibles or Pay As You Drive Insurance if you are not a frequent driver.
    Further, you can also use your no-claims bonus discounts to lower your premiums at the time of policy renewal.

  • What are the best add-ons for Maruti Suzuki Swift car insurance?
    Some of the best add-ons for Maruti Suzuki Swift car insurance include zero depreciation, engine protection cover, 24*7 roadside assistance cover, NCB retention cover, EMI protection cover, and total cover.​​

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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