Maruti Suzuki Alto 800 Car Insurance

​Maruti Suzuki Alto 800 is undoubtedly one of the most successful car models in India. Its practical design and affordable price make it a go-to vehicle for Indian families.

No doubt owning a car brings a lot of fun and convenience, but it also comes with certain responsibilities, such as securing it with a suitable motor insurance policy.

Our Maruti Suzuki Alto car insurance not only helps you adhere to the Motor Vehicles Act of India but also safeguards you against a range of unforeseen circumstances, such as road accidents, third-party liabilities and damage due to natural and man-made calamities.

A Reliance car insurance policy for Maruti Suzuki Alto will empower you with the following benefits:

How to Buy Maruti Suzuki Alto Car Insurance - Online and Offline?

Maruti Suzuki Alto Car Insurance Online Buying Process

1. Visit the Reliance General Insurance website and go to our Car Insurance page.
2. Enter your car details, such as make and model, registration year and location, along with your email address and contact number. Click on “View Prices”.
3. You will receive your Maruti Suzuki Alto 800 car insurance quote based on the details you have entered.
4. Assess the quote and make adjustments to your desired plan by selecting various add-ons and features.
5. Confirm the plan and make premium payments online using your preferred mode of payment.

Maruti Suzuki Alto Car Insurance Offline Buying Process

1. Visit the Reliance General Insurance office nearest to your location. You can use our Branch Locator tool for this purpose.
2. Understand various car insurance plans and choose a suitable policy that fits your budget and requirements.
3. Fill out the form and submit the required documents such as car RC, driving licence, etc.
4. Pay your Suzuki Alto insurance amount in cash or online using car/UPI/internet banking.

Maruti Suzuki Alto Car Insurance Renewal Online

1. Browse our homepage and go to “Renewal” and select “Renew Car Insurance”.
2. Enter your car details and existing Maruti Suzuki Alto 800 car insurance policy number.
3. Modify your plan using available add-ons.
4. Review policy details and proceed with the premium payment. Don’t forget to apply any No-claims bonus discounts you might have earned during your previous tenure. It can help you lower your Suzuki Alto yearly insurance premiums to a great extent.

How to Buy a Second-Hand Maruti Suzuki Alto Car Insurance?

Purchasing insurance for a second-hand Maruti car is as important as insuring your brand-new vehicle. Note that the process for buying insurance remains the same for used cars. Here are the steps you need to follow:

Inspect the Vehicle

Since it is a second-hand vehicle, your first step should be to assess its condition and learn about the insurance history to understand your potential risks and coverage requirements.

Gather Documents

Once you are certain about your insurance requirements, start collecting the documents for purchasing a policy. These include forms 29 and 30, a copy of the RC transfer, a driving licence, previous insurance details and so on.

Buy Online

Next, purchase your policy online from our Car Insurance page by providing the necessary details.

Make Premium Payment

Review your policy details and proceed to pay the Maruti Suzuki Alto insurance cost once you are satisfied with the given plan and pricing.

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

Why Do You Need Maruti Suzuki Alto Vehicle Insurance?

Legal Requirement

Having car insurance is not merely an option; it is a mandatory requirement and responsibility of every driver in India. As per the Motor Vehicles Act, every driver is mandated to have at least third-party motor insurance. Failure to meet this official requirement can lead to hefty penalties and legal actions against the driver.

Financial Safety

Comprehensive car insurance provides the necessary financial safety by covering a wide range of unforeseen risks, such as natural disasters, theft, fire, man-made calamities and more.

Personal Safety

Having car insurance ensures your personal safety by covering the hefty expenses resulting from accidental injuries. In addition to it, a personal accident cover also offers death benefits to your dependents in case of accidental death of the owner-driver.

Features and Benefits of Maruti Suzuki Alto Car Insurance from Reliance General Insurance

Extensive Coverage

Maruti Suzuki Alto vehicle insurance from Reliance General Insurance is known for offering coverage against a wide range of events, such as natural calamities, man-made disasters, theft, fire and explosions and more.

100% Claims Settlement

Our claims settlement ratio touched 100% in FY-2023-24, which reflects our efficient claims settlement.

Smooth and Fast Claims Process

Reliance car insurance for Maruti Suzuki Alto offers a claims settlement process that is quick and hassle-free. You can file a claim online via our website or the Reliance Self-i application.

Low Premiums

We are known for offering the best coverage at least premiums possible. Our Maruti Suzuki Alto insurance premiums starting at just 238 per month.

Pay-As-You-Drive Cover

Our PAYD car insurance cover is one of the best insurance for Maruti Suzuki Alto car owners who are occasional drivers. It is a budget-friendly insurance policy that lets you pay for the total kilometres driven by your car.

Useful Add-ons

We offer more than 20 useful add-ons that can enhance the coverage of your existing policy. Some of the best-selling Maruti Suzuki Alto 800 add-ons include Zero Depreciation Cover, Pay-As-You-Drive Cover, Roadside Assistance Cover, etc.,

10,000+ Cashless Garages

We have more than 10,000 network garages located in all the major cities and towns across India.

Online Discounts

You can get a discount of up to 80% when you buy your Maruti Suzuki Alto insurance policy online from our website or the Reliance Self-i application. Besides, you can also avail up to 50% NCB discounts.

24*7 Customer Support

We have a dedicated team of experts who offer round-the-clock support in the event of any emergencies and policy-related doubts.

Types of Maruti Alto Car Insurance Plans

Maruti Suzuki Alto Insurance Coverage: Inclusions and Exclusions

Maruti Suzuki Alto Car Insurance Policy Inclusions

• Damages/loss incurred due to natural calamities: earthquakes, floods, thunderstorms, cyclones, etc.
• Damages/losses incurred due to man-made disasters: riots, strikes, etc.
• Theft
• Fire and explosions.
• Personal accident cover for owner-driver.

Maruti Suzuki Alto Car Insurance Policy Exclusions

• Any damage/loss when driving without a valid driving licence.
• Any damage/loss arising due to contractual liabilities.
• Any damage/loss incurred outside the covered geographical area.
• Any damage/loss incurred due to driving under the influence of alcohol, drugs, etc.
• Any damage/loss due to war or nuclear attacks.
• Regular wear and tear.
• Any damage/loss due to self-negligence.
• Regular maintenance work.

Check out the policy documents for a complete list of inclusions and exclusions of your chosen Reliance Maruti Suzuki Alto car insurance.

Maruti Alto Insurance Add-On Covers

Maruti Suzuki Alto Car Insurance Claim Process

Maruti Suzuki Alto Insurance Claim: Cashless Claim

1. Initiate your Maruti Alto car insurance claim within 24 hours of the event. You can do so via:
1. Calling on +91-22-48903009 (paid number)
2. Reliance Self-i App
3. Claims Page
2. Submit a duly filled claims form and the supporting documents.
3. Our surveyor will inspect your vehicle within 48 hours of claim intimation.
4. Once your claim is approved, you can get the repairs done at the network garage nearest your location. Use our Garage Locator Tool for this purpose.
5. After the repair work is done, we will get in touch with the network garage to settle your bills directly.

Note: We only pay for the damages resulting from covered events. You need to pay for any additional repairs and replacements out of your pocket.

Maruti Suzuki Alto Insurance Claim: Reimbursement Claim

1. Initiate your Maruti Alto insurance policy claim within 24 hours of the mishap. You can do so via:
1. Calling on +91-22-48903009 (paid number)
2. Reliance Self-i App
3. Claims Page
2. Gather all the evidence and supporting documents.
3. Get your car repaired at any garage of your choice. Pay the repair expenses and collect all the invoices and bills.
4. Fill out a claims form and submit it to our claims department along with all the required documents.
5. Our team will verify the claim and documents. Upon approval, we will release your reimbursement amount as per the agreed terms.

Documents for Maruti Suzuki Alto Insurance Claim

• Policy Papers
• Date, time and location of the covered incident
• Copy of FIR
• Extent of loss
• Copy of registration certificate
• Copy of driving licence
• NOC (no objection certificate) from the financer
• Repair bills and invoices
• Forms 28,28 and 30, signed by the insured
• Other supporting documents are based on the claim.

Read out our Policy Wordings to learn about the complete list of claim documents for Alto auto insurance.

Maruti Suzuki Alto Car Insurance Claim: Cashless vs Reimbursement

Factor Affecting Maruti Suzuki Alto Car Insurance Premium

Make and Model

The particular model and variant of your Alto 800 is a major factor that influences its insurance cost. Your motor insurance premiums are calculated based on factors such as engine capacity, fuel type, etc.

Insured Declared Value

It signifies the current market value of your vehicle. Note that your car’s IDV is the highest amount you can claim for a covered event. While a higher IDV results in higher premiums, it increases your claim limit, providing you with better financial coverage.

Age of Vehicle

Generally, older vehicles feature a lower IDV, which significantly reduces the premium value. However, some insurers associate older vehicles with higher risk. This, in turn, can impact your premium value.

Type of Policy

The type of Maruti Suzuki Alto Insurance policy is another factor that decides your premium cost. For example, third-party car insurance and standalone, own-damage car insurance plans are cheaper than comprehensive car insurance policies. However, they also offer limited coverage compared to the latter.

Deductibles

Deductibles refer to the out-of-pocket expenses you agree to pay before receiving the insurance amount. It is important to note that the higher your deductibles, the lower your car insurance premiums will be and vice versa.

How to Calculate Maruti Suzuki Alto Car Insurance Premium?

The easiest way to estimate the Maruti Suzuki Alto insurance cost is to utilise a car insurance premium calculator. Here is what you need to do:

1. Open a reliable car insurance premium calculator.
2. Enter the requested car details such as registration number, brand, model, location, etc.
3. Provide your email address and contact number to retrieve an estimated Alto car insurance price.
4. In the case of a second-hand car, you need to provide information such as claim history, fuel type, etc., about the used vehicle.

Maruti Alto Insurance: Third-Party Insurance Premium

Note that the premium rates for third-party car insurance are set by IRDAI based on the engine capacity (cc) of your car. Below are the rates for your reference:

For Regular Cars

For Electric Cars

Maruti Suzuki Alto 800 - Overview and USPs

Compact Design

Its compact and practical design is the main USP of the Maruti Suzuki Alto 800. It is extremely easy to manoeuvre and can be parked easily in congested urban areas.

Fuel Efficiency

Maruti Suzuki Alto 800 is well known for its excellent fuel efficiency. With an impressive fuel tank capacity of 35 litres, it is named among the most efficient cars in the low-budget car segment.

Affordable Price Range

Maruti Alto 800 became an instant hit in the market because of its budget-friendly price range, starting as low as ₹2.94 lakhs.

Moreover, the car has one of the widest footprints in India and commands a high resale value, retaining almost 80% of its original value after 3 years of ownership.

Low Maintenance

Besides its low price and high fuel efficiency, the Alto 800 boasts minimum maintenance cost, which adds to its overall affordability.

Maruti Brand Value

Above all, the brand reputation of Maruti Suzuki is what people trust in the automotive industry. It offers a wide network of service centres, so you will face no issues with finding spare parts in case of repairs, adding to the ease and convenience of Maruti Suzuki car owners.

Car Insurance for Maruti Suzuki Alto 800 - Top Models and Prices

Popular Maruti Suzuki Alto Insurance at Reliance General Insurance

Frequently Asked Questions

Does Maruti Suzuki Alto 800 car insurance offer personal accident coverage for the owner?

Yes. Our comprehensive car insurance plans offer coverage for personal accidents, third-party liabilities, damage due to natural and man made calamities, theft, fire and many other unforeseen events. Get in touch with us for more information.

What is the cost of Maruti Suzuki Alto 800 car insurance?

The cost of Maruti Suzuki Alto 800 car insurance is calculated based on its date of registration, insurance history, risk profile type of policy and a few other factors. Visit our car insurance page and get ​your quote for free!

Is comprehensive car insurance mandatory for the Maruti Suzuki Alto 800?

No. Only third-party car insurance is mandatory for every motor vehicle owner in the country. A comprehensive car insurance plan is optional but recommended for new car owners for all-around coverage.

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).