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Car Insurance For Maruti Car

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For most first-time car owners, the Maruti Suzuki car is the ideal car to purchase. Its compact size, fuel efficiency and easy maintenance, coupled with an affordable price tag, make it the undeniable winner.

And while the car offers so much value, you, as its owner, can uphold it by purchasing a good car insurance plan from Reliance General Insurance.

With your Maruti car insurance policy, you can stay financially prepared to tackle unprecedented losses and damages affecting your automobile. Your insurance provider covers the costs of losses and safeguards you from third-party legal and financial liabilities. Plus, you can enjoy innumerable benefits.

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

Why do you Need Car Insurance for Maruti Car?

  • Fulfilment of​ Legal ​​Requirement

  • It is compulsory to get a minimum coverage of at least third-party liability under the Motor Insurance Act of 1988. Driving without a valid car insurance plan attracts a fine of ₹2,000 and/or imprisonment of up to three months, or both, under India's road safety laws.

  • Protects Your S​avings

  • If your car causes damages to a third party and their vehicle/property, you incur significant costs. Such costs can leave a significant dent in your savings. With automobile insurance, you can avoid the hefty financial burden and save your money.

  • Keeps You Financially Prepared

  • The main purpose of getting your Maruti car insured is to financially prepare yourself for unexpected events, as you can never predict the extent of losses or damages. In such cases, having a car insurance policy helps in financing the replacement.

Features and Benefit​​s of Reliance General Maruti Suzuki Car Insurance

  • Wide Cashless Garage N​​etwork

    With a wide network of 10,000+ cashless garages, you never have to worry about clearing the garage bills. In case of accidents, you can take your car to a nearby cashless garage within our extensive network.

  • Digitised P​rocess

    The Optical Character Recognition (OCR) powered Reliance Self-i app makes buying, renewing and the claim-filing process simpler than ever. You can provide your details and scan your documents on the app and Reliance website to process your buying, Maruti insurance renewal or claim request within minutes.

  • Appealing Di​scounts

    You can get the best offers on the Maruti insurance price from Reliance General Maruti Insurance. You can reduce your costs further by utilising the NCB Benefits.

    Plus, you can also enjoy discounts on your insurance premium by installing anti-theft systems, becoming a member of the Automobile Association of India (AAI) and choosing a higher voluntary deductible, among other things.

  • Smooth Claim Settle​​ment

    Reliance General Insurance ensures you have a hassle-free claim-filing experience. Whether you want to file a cashless claim or choose the reimbursement model, you can use the Reliance Self-i app to upload a self-inspection video.

  • Extensive Cover​​age

    Reliance General Insurance provides extensive coverage options to customise your Maruti Suzuki car insurance policy. You can opt for a comprehensive insurance plan and select optional add-on riders.

Types of Maruti Suzuki Car Insuran​ce Plans

Third-Party Car​ Insurance

Third-party car insurance is a mandatory legal requirement for every vehicle owner in India. It covers the losses and damages incurred t​​o a third party or their property by an insured car. It helps you compensate the victim of the accident and pay for the resulting legal expenses.

Main Highlig​hts

  • Only covers third-party damages.

  • Mandatory for every car owner.

  • Low premiums.

Comprehensive Car I​nsurance

As the name suggests, it offers extensive coverage for third-party liabilities and personal accidents suffered by the insured vehicle. It covers damages and financial losses resulting from natural disasters and man-made disasters such as strikes, riots, vandalism, theft, fire and explosions.

Main H​ighlights

  • Covers own damage and third-party liabilities.

  • Covers natural and man-made disasters.

  • Covers theft.

  • High scope of customisation using add-ons.

Standalone Own Dam​​age Car Insurance

A standalone, own-damage car insurance cover safeguards you against potential losses and damages to your insured vehicle. Since it does not cover your third-party liabilities, you need to purchase a suitable third-party car insurance policy separately.

​​Main Highlights

  • Only covers own damage to the insured vehicle.

  • Does not offer third-party coverage.

  • It can be customised using add-ons.

Zero Depreciation Ca​​r Insurance

Also known as bumper-to-bumper or nil depreci​ation car insurance, this type of insurance covers the complete cost of repair and replacement without considering the depreciation value of the insured vehicle.

Main Highl​​i​ghts

  • Covers the entire repair/replacement cost.

  • Recommend for new car owners.

  • Extensive protection.

Pay-As-You-Drive Car Insura​​​nce

It is a usage-based Maruti car insurance plan that lets you save on premiums based on the number of kilometres driven by your car. Pay-as-you-drive is an ideal car insurance cover for those who drive their vehicle occasionally and offers savings of up to 90%*.

Main Highligh​ts

  • Usage-based insurance premiums.

  • Cost-effective.

  • Recommended for occasional drivers.

How to Buy Maruti Suzuki Car Ins​​urance?

Maruti Suzuki Car Insurance Online Buyi​​ng Process

  • Step 1: Visit our Car Insurance page.

  • Step 2: Enter specific details such as your Maruti car's registration number, your email address and mobile number. Now, click on “View Prices".

  • Step 3: Select your desired add-ons and click on “Buy Now" to buy Maruti insurance online.

  • Step 4: Go through the premium details and click “Next".

  • Step 5: Make your Maruti car insurance premium payment to confirm your purchase.

Once done, a digital copy of your Maruti car insurance will be delivered to your email address.

Maruti Suzu​ki Car Insurance Offline Buying Process

  • Step 1: Visit the nearest Reliance General Insurance branch. To locate our nearby office, use our Branch Locator tool.

  • Step 2: Learn about different types of Maruti Suzuki car insurance plans and choose a suitable policy based on your requirements.

  • Step 3: Fill out the form with all the necessary vehicle information. You must also provide your personal details to complete the purchase.

  • Step 4: Submit the form along with the required documents.

  • Step 5: Make the premium payment to buy Maruti car insurance offline.

Maruti Car Insurance Renewal Pr​ocess

  • Step 1: Visit the Reliance Gen​eral Insurance Site

    To renew Maruti Suzuki insurance, go to Reliance General Insurance's website and then select  "Renewal" -> "Motor Insurance" -> "Renew Car Insurance".

  • Step 2: Enter Policy De​tails

    Once done, you can enter your policy number or registered mobile number and click on the 'Renew My Policy' option. On the next page, you can submit details like your name, email, policy expiry, previous claim details, etc.

  • Step 3: Review & ​Modify the Policy

    After providing the relevant information, you will receive a summary of your policy. Take your time to review the details and modify your choices if necessary.

  • Step 4: Make Premium​​ Payment

    Once you are satisfied with the terms, you can complete the Maruti Suzuki car renewal process. If the premium amount is correct as per the coverage terms, click on the 'Pay' tab to make an online premium payment.

  • Step 5: Receive R​enewed Policy Copy

    After processing your payment, the insurance company will send a digital or electronic copy of your renewed car insurance policy document to your email.

How to Buy Car Insurance for a Secon​d-Hand Maruti Car?

  • Check Car's Condition an​​d Insurance History

    Begin with assessing the condition of your second-hand Maruti car. Check the current market price and driving history of the previous owner. Also, check the insurance history of the vehicle to learn about the number and nature of claims raised for it.

  • Gather Required Do​cuments

    To make your policy purchase experience swift and hassle-free, collect all the required documents. These include vehicle transfer papers, previous policy details, driving licence and others.

  • Select Suitab​le Policy

    Select the right Maruti Suzuki insurance plan based on your risks and requirements. You can choose from various options, such as comprehensive car insurance, third-party insurance, pay-as-you-drive insurance, standalone own-damage insurance and so on.

  • Compare Multi​ple Plans

    Once you have decided on the right type of Maruti Suzuki insurance policy, compare multiple plans provided by your insurance company to select the one that best suits your requirements and budget.

  • Select Useful Add-​​ons​

    Maruti car insurance add-ons can provide you with dedicated coverage for your insurance needs. So, choose from a variety of add-ons according to your unique requirements.

  • Buy​​ Policy

    Visit our Car Insurance page and purchase the selected car insurance policy by following the instructions.​

Maruti Suzuki Car I​​nsurance Policy  - Key Inclusions & Exclusion

Maruti Car Insurance Inclusions

  • Third-party liabilities

  • Accidental damage affecting owner-driver

  • Damages or loss due to natural calamities

  • Damage due to human-made incidents

  • Theft of the insured car

  • Damages incurred during transit

Maruti Car Insuranc​​e Exclusions

  • Regular wear & tear

  • Damages due to irresponsible driving

  • Nuclear or war-related damages

  • Damages incurred during undesignated vehicle usage

  • Accidental impact due to driver negligence

  • Usage of vehicles beyond geographical limits

Note: Check Policy Wordings for a complete list of inclusions and exclusions.

Add-on Covers for Maruti Car Insurance ​Policy

Maruti Car Insurance Add-on Benefit
Zero Depreciation CoverCovers the total cost of repair and replacement of your insured car without considering the depreciation value. It is highly recommended for new vehicle owners as it significantly lowers your out-of-pocket expenses.
Engine Protection CoverProtects your car's engine against potential damages arising due to water ingression, oil leakage and related issues.
EMI Protection CoverCovers your vehicle's EMI if it is undergoing repair after a covered accident. It helps reduce financial burdens by paying your loan for the duration your car is in the garage.
Consumables CoverCovers the cost of consumables, such as nuts, bolts, oil and grease required after an accident.
Total Loss CoverIt helps you receive the full value of your insured vehicle, including road tax, premiums paid and registration fees, in case it is subject to total loss due to events like theft or any other accident.
Daily Allowance BenefitIt covers the cost of your alternate transportation while your insured vehicle is in the garage for repairs.
NCB Retention CoverHelps you retain your NCB discounts even after claiming the previous tenure (up to 2 claims).
Pay-As-You-Drive CoverIt helps you reduce your policy premiums based on your car's usage. It is a useful Maruti car insurance add-on for those who use their vehicle infrequently.
24*7 Roadside Assistance Provides you with immediate roadside assistance in the event of vehicle breakdown.
Return-to-Invoice CoverHelps you retain the original value (as mentioned on your car's original invoice) of your vehicle in case of total loss.
RIM Protection CoverCovers the repair/replacement cost of your insured car's rim.
Tyre Protection CoverCovers the repair and replacement of your vehicle's tyres.
Key Replacement CoverCovers the cost of repairing or replacing your car keys for damages resulting from a covered event.
Loss of Personal Belongings It reimburses you for your lost belongings in the insured car in events like theft, explosion or complete damage.
Electric Accessories CoverCovers the repair and replacement cost of the electric accessories of the insured car.
Non-Electrical Accessories CoverCovers the repair and replacement expenses of your non-electrical accessories.
Geo Extension CoverHelps in extending your coverage outside India. It is a useful Maruti insurance add-on for those who drive their car outside the country.
Emergency Hotel Accommodation CoverCovers the cost of your emergency accommodation in case of unforeseen vehicle breakdown.

Steps to Claim Maruti Car I​​nsurance?

Steps for Reimburs​ement Claim

  1. Intimate your claim by informing our claims department within 24 hours of suffering the covered loss/damage. You can do so by calling our toll-free number or sending an email to the given address.

  2. Gather evidence in the form of eyewitness accounts, videos of the accident site, third-party vehicles involved in the accident, etc.

  3. File a First Information Report (FIR) at your nearest police station and obtain its copy.

  4. You can take your vehicle to your preferred garage and have it repaired. At this time, you must pay the repair costs from your pocket.

  5. You can now raise your claim by filling out the claim form and submitting the necessary documents, such as the original invoices and copies of your insurance policy and driver's licence.

  6. We will now evaluate your claim. Upon successfully verifying your claim and based on your insurance coverage, we will compensate you and the third party as per the policy's terms.

Steps for Cashless Claim

  1. Intimate your claim by informing our claims department within 24 hours of suffering the covered loss/damage. You can do so by calling our toll-free number or sending an email to the given address.

  2. Gather evidence, such as eyewitness accounts and third parties involved in the accident, and upload it to the Reliance Self-i app.

  3. File an FIR and obtain a copy to submit with your insurance documents.

  4. Take your vehicle for repairs to the nearest cashless garage in our network.

  5. Our network garage partners will repair your vehicle. During this time, you must fill out the claim form and submit the necessary documents so we can approve the claim.

  6. Once your vehicle is repaired, you can collect it from the garage. Reliance General Insurance settles the bill with the garage.

Documents Required to Cla​im Maruti Car Insurance

  • Duly filled and signed Motor Claims Form.

  • Copy of your Maruti car insurance.

  • Copy of your driving licence.

  • Copy of your car's registration certificate (RC).

  • Copy of FIR (in case of third-party liabilities and accidents)

  • Copy of acknowledgement letter from RTO for theft.

Maruti Car Insurance Claim – Cash​less Vs Reimbursement

Parameters Cashless Claim Reimbursement Claim
Payment The insurance company directly settles repair/replacement expenses.You need to pay the repair/replacement expenses upfront and get reimbursed for them later.
Repair Facilities Cashless repair benefits can only be availed at network garages. You have the freedom to get your vehicle repaired at any garage of your choice.
Out-of-Pocket Expenses Minimum out-of-pocket expenses. You have to bear the complete repair/replacement cost initially.
Settlement ProcessFast claims settlement as claims are directly settled at the time of repairs/replacements. Claim processing takes time as you need to submit various documents and go through vehicle inspection and verification.
Convenience Highly convenient. Less convenient.

Factors Affecting Maru​ti Car Insurance Premium

  • Make, Model and Variant

    The type, model and variant of your Maruti vehicle is the first thing that impacts the premium cost. Note that the insurance premiums price for high-end/luxury models are higher as compared to the base models or economy cars.

  • Insured ​Declared Value

    Your Maruti car insurance premiums can either go higher and lower with your car's IDV. While higher IDV leads to higher premiums, it ensures a higher claim limit. Hence, ensure the accurate IDV of your four-wheeler.

  • Locati​​on

    The location where you intend to use your car can also impact its premium cost. In general, areas that are prone to natural calamities or have higher theft rates and traffic problems receive higher premiums.

  • Type ​​​of Policy

    Different types of car insurance policies are priced differently due to the coverage and features. For example: comprehensive car insurance plans have slightly higher premiums due to extensive coverage and benefits they offer.

  • Age of Ca​​r

    Generally, old and second-hand cars receive lower premiums as compared to brand new vehicles. This is because of higher risk and repair/replacement costs associated with new vehicles.

How to Calculate Your Maruti Car Insurance Premium

Using Car Insurance Premium Calculator

  1. Go to a car insurance premium calculator.

  2. Enter vehicle details such as brand, model, year of registration, location, etc. and click “Get Quote" to learn about premium options.

  3. For second-hand cars, enter details of your car's previous insurance details, such as NCB discounts, type of claim, expiry date, etc.

  4. Click “View Prices" to retrieve premium details.

Maruti Suzuki Auto Insurance: Third-Party Insu​​rance Premium

Note that IRDAI sets the premium cost of third-party car insurance based on the type and engine capacity of the vehicle. Below are the premium rates for different categories of motor vehicles:

For Private Ca​​rs

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

For Electric​ Cars

Battery Capacity Premium for One Year (in ₹)
Up to 30 kW₹1,780
Above 30 kW up to 65 kW₹2,904
Above 65 kW₹6,712

Maruti Suzuki Car​s- Overview and USPs

  • Fuel Eff​iciency

    Higher fuel efficiency is among the most sought-after features of Maruti Suzuki cars. It contributes to the overall affordability of the vehicle, making it ideal for Indian families.

  • Practical D​​esign

    Maruti Suzuki cars feature practical designs that make them easy to drive and manoeuvre even in congested urban settings. They are known to offer a smooth and safe driving experience.

  • Affordabl​e Pricing

    Competitive pricing is what made Maruti Suzuki the top car brand in the country. With prices starting from around just ₹3 lakhs, Maruti cars are within the reach of car enthusiasts with low budgets.

  • Strong Resale ​​Value

    Another highlight of Maruti Suzuki cars in India is their impressive resale value. As compared to its competitors, this automobile giant boasts a higher resale value.

  • Broad Service Net​​work

    Maruti Suzuki has an extensive network of service centres and dealerships where customers can get their vehicle-related issues resolved quickly and efficiently.

Top Maruti Suzuki Car Models & Prices

Maruti Suzuki Car Models Car Segment Ex-Showroom Price (Delhi)
Maruti Suzuki Swift
CNG | Petrol
Hatchback
Manual | Automatic
₹6.34 to ₹9.6 lakhs
Maruti Suzuki Brezza
CNG | Petrol
Subcompact SUV
Manual | Automatic
₹8.34 to ₹14.44 lakhs
Maruti Suzuki Ertiga
CNG | Petrol
MPV (Multi-purpose Vehicle)
Manual | Automatic
₹8.69 to ₹13.03 lakhs
Maruti Suzuki Fronx
CNG | Petrol
Subcompact SUV
Manual | Automatic
₹7.51 to ₹13.04 lakhs
Maruti Suzuki Baleno
CNG | Petrol
Premium Hatchback
Manual | Automatic
₹6.66 to ₹9.83 lakhs
Maruti Suzuki Dzire
CNG | Petrol
Sedan
Manual | Automatic
₹6.57 to ₹9.34 lakhs
Maruti Suzuki Wagon R
CNG | Petrol
Compact Hatchback
Manual | Automatic
₹5.54 to ₹7.33lakhs
Maruti Suzuki Jimny
Petrol
Compact SUV
Manual | Automatic
₹12.74 to ₹14.95 lakhs

Note: Prices of given Maruti cars can vary based on location, model and current market scenarios. Get in touch with your local car dealership for accurate information.

Maruti Su​​zuki Insurance for Which Reliance Offers Insurance (Model Names)

Maruti SwiftMaruti Vitara BrezzaMaruti Ertiga
Maruti BalenoMaruti DzireMaruti Wagon R
Maruti XL6Maruti S-PressoMaruti Celerio
Maruti CiazMaruti EecoMaruti Ignis

Frequently ​​Asked Questions on Maruti Car Insurance

  • What is the best insurance p​​o​​licy for M​aruti cars?

    A comprehensive car insurance policy is the best option for Maruti cars because it provides complete financial protection against unforeseen accidents. It covers a wide range of events, such as natural disasters, third-party losses, man-made disasters, theft, fire and more.

  • Where can I find the cheap​​​est M​aruti car insurance?

    You can find the most affordable car insurance for Maruti cars at Reliance General Insurance. We offer low premiums rates starting from ₹238* per month. You can also check out our usage-based Pay-As-You-Drive car insurance plans.

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. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 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.
​ Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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.

If you permanently move to another city, you must inform your insurer about the move and provide them with your new address and contact details to the insurer. If your geographical zone changes based on the limit specified in the policy, the Maruti insurance price will get affected.

If you decide to sell your Maruti Suzuki car, you can do one of the following things:

  • You can transfer your existing Maruti car insurance policy to the new car owner.
  • You can cancel the existing policy covering your Maruti Suzuki car and ask the new car owner to buy a different policy.

Remember to check the terms and conditions pertaining to selling your car and transferring the insurance policy, the NCB benefits, etc, in your policy agreement.​

Yes, you can get insurance coverage if you add accessories to your Maruti Suzuki car. You must submit a written request to avail of such coverage. Note that your Maruti insurance price, i.e., the premiums amount will get affected depending on the type of accessories added to the car.

Yes, it does. Depending on the model you choose between Maruti Suzuki Alto, Ritz, Dzire, Baleno, and the like, the Maruti insurance price changes. Insurers consider the make, model, variant, type, size, and age of your car to determine the Maruti car insurance premium.

You can use car insurance calculators to check the estimated cost of your preferred insurance policy before buying it. You can find general car insurance calculators on the internet or specific ones on your insurer’s website. You must input details like your vehicle’s registration number, city of registration, car’s make, model and brand, preferred policy type etc., in the calculator to get an estimate of costs.

No, you can buy only one policy that fits your coverage needs for a single car. The only exception is when you have an existing third-party policy but also want an own damage cover. You can buy a standalone own damage policy from the same or a different insurer. 

NCB is a benefit insurers offer you for not filing any insurance claims during a given policy period. It is typically applicable during the first five years of the policy period. If, during this time, you do not file any insurance claim, you get a discount on your premiums. The discount typically ranges from 20% to 50% for 1-5 consecutive claim-free years.

Yes, if you do not want the hassle of renewing your policy every year, you can opt for a long-term car insurance plan for your Maruti car. You can choose policies that you can renew every two-three years, which eliminates the need for annual renewals.

At Reliance General Insurance, we follow the IRDAI-set guidelines for reimbursement claims. As such, if your claim is valid, you will be compensated within 21 working days since the date of claim filing.

The possible reasons why your claim may have been rejected despite you not driving under the influence could be many. For instance, you may have been driving without your license on your person, or without an active insurance policy. Reasons like rash driving, flouting traffic rules, etc., also lead to claim rejection.

Insurance is the first step to financial security. Insure your assets, be it your health, car or bike with Reliance General Insurance.​


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