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Home / Motor Insurance / Car Insurance / Maruti Suzuki

Maruti Suzuki Car Insurance

Maruti insurance
If you have travelled on Indian roads, the chances are that you have seen a Maruti car zipping past! With a variant for every need, budget and lifestyle, Maruti Suzuki has put the nation on wheels for more than three decades now. Founded in 1983 with a vision to motorise the Indian middle class, Maruti began as a joint venture between Maruti Udyog Limited and Suzuki Motor Corporation, Japan. Today, the automobile giant sells over half a million cars a year, with the brand cementing its “common man’s car” status.
Over the years, the manufacturer has introduced cars that have managed to consistently make it to the top 5 selling cars in the market. Now with the launch of Nexa, Maruti Suzuki also aims to gain ground in premium SUV (Sports Utility Vehicle) and sedan segments. Apart from its value-for-money offers, a robust aftersales network has enhanced Maruti Suzuki's image as the leading auto giant and a reliable service provider.

Even today, whether it’s Swift, Baleno, or Alto, owning a Maruti car is a sign of having made it for many across India. And your valued possession needs good insurance. From third-party coverage to additional benefits, HDFC ERGO's maruti car insurance provides it all – showering love as you on your Maruti car!

Maruti Suzuki – Bestselling Models

1
Maruti Suzuki Swift
Swift is 5-seater hatchback available in the price range of between Rs 5.99 lakh and Rs 9.03 lakh (ex-showroom Delhi). The Swift is offered in four broad variants: LXi, VXi, ZXi, and ZXi+. The VXi and ZXi trims can be opted with CNG. Now in its third generation, the Swift comes with a number of great features like push-button start, HID projectors, AMT gearbox, and more. All these reasons make it a compelling purchase.
2
Maruti Suzuki WagonR
Wagon R is a 5-seater hatchback available in the price range of ₹ 5.54 - 7.42 Lakh lakh (ex-showroom Delhi). Over the years, this maruti car has built a solid foundation for itself. This was further enhanced with the third generation WagonR, which has additional entertainment and safety features. The extra-spacey interiors clubbed with a 1.0 litre, three-cylinder petrol engine makes WagonR comfortable yet powerful.
3
Maruti Suzuki Alto
Alto is an entry-level 5-seater hatchback that starts at a price of Rs. 3.25 Lakh and goes upto Rs. 5.12 Lakh (ex-showroom Delhi). Alto is a great option for families that rank affordability and practicality as their top priority. Over the years, the Alto has seen successive upgrades and has remained true to its image as a reliable everyday runner.
4
Maruti Suzuki Baleno
Baleno is a premium 5-seater hatchback. It is available in price range between ₹ 6.61 Lakh and ₹ 9.88 Lakh. Baleno CNG price ranges between ₹ 8.35 Lakh and ₹ 9.28 Lakh. Baleno Manual price ranges between ₹ 6.61 Lakh and ₹ 9.33 Lakh. The model is sold from Maruti’s premium retail Nexa outlets. The car gets a number of upgrades, including a petrol-CVT automatic gearbox and climate control. In addition to interior and exterior upgrades, this maruti car model has an upgraded BS-6 engine.
5
Maruti Suzuki Dzire
Dzire is an entry-level sedan available in the price range of ₹ 6.52 Lakh and ₹ 9.39 Lakh. Dzire CNG price ranges between ₹ 8.39 Lakh and ₹ 9.07 Lakh. Dzire Manual price ranges between ₹ 6.52 Lakh and ₹ 9.07 Lakh. Class-leading features and an ergonomically designed interior make it one of the best sedans in the Indian market today. This maruti car has only petrol engine options, with an AMT on the top-spec model.

Maruti Suzuki – Unique Selling Points

1
Value For Money
Maruti Suzuki cars have been priced in such a way that no Indian buyers will feel uncomfortable spending that money. Cars like the Maruti Suzuki Alto and WagonR have fulfilled every family’s dream of owning a vehicle.
2
Excellent Fuel Efficiency
 Maruti cars are known to be very fuel efficient. With technologies like the Smart Hybrid Vehicle system, it continues to make more fuel-efficient cars. Even bigger cars like Ciaz and Breeza offers best fuel efficiency compared to other cars in this segment.
3
Reliability
Maruti Suzuki cars are easy to maintain, and the maintenance cost is very minimal. You can run a Maruti Suzuki car for years without worrying much about its maintenance. Also, on Indian roads, you can see a Maruti Car running for 10 years or even more than that.
4
Consumer-Centered Nature
Maruti Suzuki is one of the market's most consumer-centred carmakers. From your car buying journey to the end, Maruti ensures you have a smooth, hassle-free experience.
5
Excellent Resale Value
Maruti cars are the most popular ones in the second-hand car-selling market. Reliability and fuel economy are primary reasons for Maruti Suzuki cars to retain their value.

Why Do You Need Maruti Car Insurance?


Car insurance is not only an important safety feature for your Maruti car but also a legal requirement (third party insurance) to drive on roads. The Motor Vehicles Act mandates minimum a third party car insurance cover for all vehicles plying on Indian roads. Keeping your Maruti car insured is a mandatory part of the car ownership experience. Here are some reasons why maruti car insurance is important:

It Diminishes Owner’s Liability

It Diminishes Owner’s Liability

In addition to being a legal necessity, your third-party liability insurance protects you from damages and losses your Maruti Suzuki car could cause to the third party vehicle, person or property. In case of an accident, claims raised by the other person can be covered under this policy, reducing your financial as well as legal burdens.

It Covers Cost of Damage

It Covers Cost of Damage

In case you choose to go for a comprehensive car insurance policy for your maruti car, in the event of an accident, natural disasters or even theft, your Maruti Suzuki car will get holistic cover. This includes the cost of repairs or replacement of faulty parts, emergency assistance for breakdowns, and even the cost of alternate commute should your Maruti go into repairs.

It Gives Peace Of Mind

It Gives Peace Of Mind

For new drivers, knowing that you are insured with at least a third-party cover will give you the confidence to drive challan-free on the roads. For experienced drivers, most road accidents are not necessarily your fault. Just knowing that you are protected from any eventuality helps you stay stress-free.

Types of Maruti Suzuki Car Insurance Plan

Seeking all-round protection but unsure of where to begin? The Single Year Comprehensive Cover from HDFC ERGO can put your dilemma to rest. The plan includes cover against damages to your maruti car as well as damages to a third party person/property. You can customise your maruti insurance cover further with your choice of add-ons.

X
Suitable for car lovers seeking all rounded protection, this plan covers:
Accident

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

Theft

EXPLORE MORE

The third-party cover is a mandatory cover imposed by the Motor Vehicles Act, 1988. If you don’t use your Maruti Suzuki car very frequently, it’s a good idea to get started with this basic cover and save yourself the trouble of having to pay penalties. Under the third party cover, we offer you a personal accident cover coupled with protection against liabilities arising from third-party damage, injury or loss.

X
Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

Third-party cover is one thing, but what about protecting yourself against financial losses? Our Standalone Own Damage Cover takes care of that since it covers damages to your car arising from accidents, natural calamities, fires and theft. If you want to enjoy additional protection, you can choose this optional cover, with your choice of add-ons, over and above the mandatory Third Party Cover.

X
Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

If you are a proud owner of a brand new Maruti Suzuki car, our cover for new cars is just what you need to secure your new asset. The plan offers a 1-year coverage against damage to your car on account of accidents, natural calamities, and theft. It also gives you a 3-year cover against damages to a third-party person/property.

X
Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

Maruti Car Insurance Policy Inclusions and Exclusions

accidental cover

Accidents

Car accidents can cause damages to your car’s exterior or interior parts. Depending on the extent of damage, the expenses to repair your car may be minor or major. But no matter what it turns out to be, our car insurance covers the damages to your car from accidents.
Fire and Explosion

Fire and Explosion

A fire or an explosion may cause burns and damages to your Maruti Suzuki car and its parts, but we’ll ensure that the catastrophe doesn’t burn into your finances. Our car insurance will cover damages in such cases.
Theft

Theft

A car theft is a massive financial loss. Fortunately, even if such a nightmare comes to pass, our car insurance coverage has your back. We’ll ensure that the theft of your car doesn’t burden your finances.
Natural Calamities

Natural Calamities

Natural calamities like floods and earthquakes can cause unexpected and unprecedented damage to your car. But with our car insurance plan, you can rest assured that such an incident won't strain your finances.
Personal Accident

Personal Accident

In the case of an accident, we don’t just take care of your car. We take care of you too. In case you suffer from any injuries, our car insurance plan covers any charges you may incur for your medical treatment too.
Third Party Liability

Third Party Liability

An accident involving your car may also cause damages to a third-party, be it a person or property. In such cases, you need not worry about paying out-of-pocket to meet those liabilities because our car insurance has you covered.

Maruti Suzuki Car Insurance Policy Add-ons

Your maruti car is an asset that depreciates easily. So, in case of a maruti insurance claim arising due to damages to your car, the payout may be subject to depreciation cuts. With our Zero Depreciation Cover, you don’t have to worry about this since it protects your finances in such a scenario. value.
If you’re a cautious driver with a clean record, you deserve to be rewarded. Our No Claim Bonus Protection add-on ensures that the No Claim Bonus (NCB) you’ve accumulated over the years remains untouched and is carried on to the next slab.
When an emergency comes knocking, the Emergency Assistance add-on is the friend you need. The cover offers 24x7 emergency assistance services like refuelling, tyre changes, towing assistance, lost key assistance and arranging for a mechanic, among others.
This optional add-on is just what you need in case your maruti car is stolen or damaged beyond repair. It ensures in case of a total loss; you get the original invoice value of your car, including the road tax and registration fees that you paid while purchasing the maruti car insurance policy.
Engine and gearbox protector cover
Engine & Gear Box Protector
Taking care of your car’s engine is not just about changing the oil periodically or replacing the fuel filter. You also need to secure it financially, which is just what this add-on helps you do. The Engine and Gear Box Protector safeguards you against the financial burden occurring in case of damages to these vital car parts.
In case of accidents or damages to your car, you may face a temporary downtime when you might have to rely on public modes of transit. Depending on your transit requirements, this could turn out to be expensive. The Downtime Protection add-on offers you alternative transport or daily financial assistance to meet your transportation costs till your car’s ready to use.

Why HDFC ERGO's Maruti Car Insurance Should Be Your First Choice!

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Premiums from ₹2094*
With premiums so low, you have no reason to be uninsured.
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Instant Policy & Zero Documentation
Securing your car is literally as fast as counting to 3
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Unlimited Claims°
The second best reason to buy HDFC ERGO car insurance? Unlimited Claims.

Know Your Maruti Suzuki Premium: Third Party vs. Own Damage

If you want to buy Maruti Insurance, you can choose HDFC ERGO for hassle free claims. In addition to this, we have a network of 8000+ cashless networked garages. If your Maruti insurance renewal is due for expiry, you should buy your policy now. Here’s how you can do that:

Third-Party (TP) plans are designed to protect you against financial and legal liabilities in the case of an accident. Getting a third-party plan for your Maruti car is essential to avoid penalties and cover your finances against third-party claims. Above all, it is a reasonably priced policy for all. Wondering how? Well, based on the cubic capacity of every vehicle, the IRDAI predefines the third-party premium, making it aligned and affordable for all Maruti Suzuki car owners.

Own Damage (OD) insurance for your Maruti car, on the other hand, is optional but highly beneficial. This cover allows you to compensate for the repair and replacement expenses in the event of an accident or natural calamities like earthquakes, fires, storms, and more. However, unlike the third-party premium, the premium for own damage for your Maruti Suzuki varies. Wondering why? Let us explain. The OD premium for your Maruti Suzuki car is usually calculated on IDV, zone, and cubic capacity. Thus, depending upon your car's specifications or which city your car is registered in, your premium will differ. The premium is also affected by the add-ons you choose with your standalone own damage cover or a bundled cover. Also, bear in mind that any modifications to your Maruti Suzuki car will result in higher premiums.

Calculate Your Maruti Car Insurance Premium

maruti car insurance premium

STEP 1

Enter your Maruti Suzuki car registration number

Maruti insurance policy cover

STEP 2

Select your policy cover*
(in case we are not able to auto fetch your Maruti Suzuki
car details, we will need a few details of the car such as make,
model, variant, registration year, and city)

 

Maruti suzuki car insurance NCB status

STEP 3

Provide your previous policy
and No Claims Bonus (NCB) status

Maruti car insurance quote

STEP 4

Get an instant quote for your Maruti Suzuki car

Left
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How to Claim for Maruti Car Insurance?

If you want to buy Maruti Insurance, you can choose HDFC ERGO for hassle free claims. In addition to this, we have a network of 8000+ cashless networked garages. If your Maruti insurance renewal is due for expiry, you should buy your policy now. Here’s how you can do that:

  • Step 1: Visit HDFC ERGO Website and fill in all the details, including your maruti suzuki car registration number, mobile number and email address. You can also click on renew policy if you wish to renew your existing maruti car insurance.

  • Step 2: After proceeding, you’ll have to provide previous policy details and select comprehensive or third party cover.

  • Step 3: Include/ exclude add on covers, if you have opted for comprehensive insurance plan. Complete the journey by paying the premium online.

  • Step 4: Maruti car insurance policy will be emailed to your registered email ID.

Benefits of Buying Maruti Suzuki Car Insurance Online

Gone are the days when you have to physically visit the insurance provider office or contact insurance agent to get the insurance policy. Now you can simply purchase your Maruti insurance online without any worry. Let us take a look at some benefits below

1

Get instant quotes

With our car insurance calculator, you get instant quote for Maruti Suzuki car insurance policy. Enter your car’s details; the premium will be displayed, inclusive and exclusive of taxes. You can also opt for add-ons with your comprehensive policy and get the updated premium instantly.
2

Quick issuance

You can get Maruti insurance plan online within minutes. While buying Maruti car insurance online, you must complete an online application form. In this, you must provide the car details and choose between comprehensive insurance and third-party insurance. Then, finally, pay the car insurance premium. No waiting for hours, days or weeks as the policy is just some clicks away.
3

Seamlessness and transparency

HDFC ERGO’s car buying process is seamless and transparent. You need to follow some simple steps to buy Maruti insurance plans online, and there are no hidden charges. What you see is what you pay.
4

Payment reminders

We offer timely post-sale services so your Maruti Suzuki car insurance policy does not lapse. As such, after you buy car insurance online, you get a regular reminder to renew car insurance online from our end. This ensures that you enjoy uninterrupted coverage and do not violate traffic rules by having a valid maruti car insurance policy.
5

Minimal paperwork

Buying online does not require too many documents. You need to upload your Maruti Suzuki car’s registration forms and your KYC documents when you buy the policy for the first time. After that, you can opt for car insurance renewal or port your plan without any paperwork.
6

Convenience

Lastly, buying Maruti car insurance is convenient and easy. You don’t have to visit our branches or wait for an agent to contact you. You can visit the HDFC ERGO website and choose the suitable car insurance policy. Also, enjoy the flexibility of buying car insurance online at any hour of the day and from anywhere.

How to Claim for Maruti Insurance?

The world has gone digital, and so has our claim settlement process with these four quick, easy-to-follow steps.

  • maruti suzuki car insurance claims
    Step #1
    Ditch piles of paperwork and long queues, and share your documents online to register your maruti Suzuki car insurance claims.
  • self  inspection of your Maruti Suzuki car
    Step #2
    Opt for a self-inspection or a digital inspection of your Maruti Suzuki car by a surveyor or workshop partner.
  • maruti insurance claim status
    Step #3
    Track your maruti insurance claim status through our smart AI-enabled claim tracker.
  • maruti Suzuki insurance claim settlement
    Step #4
    Relax while your maruti Suzuki insurance claim is approved and settled with our extensive network garages!

Find us wherever you go

Our car insurance coverage protects your car round the clock, no matter what roads you’re conquering. You need not worry about any hiccups in your journey now, thanks to our wide network of 8000+ exclusive cashless garages for your Maruti Suzuki car located across the country. You can rely on timely and expert assistance without having to worry about paying in cash for unexpected emergency help or repairs.

With the Cashless Garage facility from HDFC ERGO, you can rest assured that your Maruti car always has a reliable friend at hand, so any trouble or emergency need is taken care of promptly, anywhere, and at any time.

8000+ cashless Garagesˇ Across India

Top tips for your Maruti Suzuki car

Tips for long-parked car
Tips for long-parked car
• Keep your car parked in the shade. Direct sunlight makes your car’s paint fade.
• Start your car once a week. This will ensure that your battery does not die.  
• Check for rodents and other critters making a home in your car’s engine bay. 
Tips for trips
Tips for trips
• Fuel up before you start your journey. Never risk driving on Reserve. 
• Repair your punctured tyre whenever you can. Running on a spare is asking for trouble.  
• Keep electricals off when not needed. Your car’s ECU runs on the battery, don't tax it. 
Preventive maintenance
Preventive maintenance
• Maintain the correct oil level. All Maruti cars have a dipstick; check yours periodically.
• Timely wheel balancing and alignment are essential to keep your car running at optimal fuel mileage.
• Check steering tie rods for excessive play. This could be a sign of excessive tyre wear. 
Daily Dos and Don’ts
Daily Dos and Don’ts
• Always turn off the AC before switching off the engine. 
• Wait for the ignition click before you start up the engine. 
• Switch off the headlights and fog lamps when stationary to avoid battery drainage.

Latest News on Maruti Suzuki

Maruti Suzuki Plans to Launch All-New Vitara Electric SUV


Maruti Suzuki revealed e Vitara at an international event in Milan, Italy. Maruti’s first electric SUV is built on the Heartect-e platform. It offers two battery options, a 4WD system, and an expected range of 500km. The e Vitara is based on the Evx shown at the Auto Expo 2023. As per media reports, production of the car will start in April or May 2025 at Suzuki’s electric vehicle manufacturing facility in Gujarat.




Published on: Nov 14, 2024

Maruti Suzuki Plans to Reduce Inventory Amid Slowdown For Passenger Vehicles Demand

Maruti Suzuki India Ltd is adjusting its production to reduce rising inventories at the dealership. This step is taken amid a slowdown in the passenger vehicle demand. The management of the automaker’s Japanese parent company, Suzuki Motor Corp told investors that they are currently adjusting production to reduce market stock and are closely monitoring demand trends. Maruti Suzuki’s domestic passenger vehicle dispatches to dealerships fell around 10% on year during July. While its volume during the April-July period is almost down 2% from the year-ago period.

Published on: Aug 22, 2024

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Frequently Asked Questions on Maruti Suzuki Car Insurance


Yes, you will be eligible for a No Claim Bonus if you haven’t filed a claim on your Maruti Suzuki car’s insurance policy. No Claim Bonus can be accumulated as a discount on the premiums over the years. Discount for NCB ranges from 20% - 50% on the own damage premium.
Renewing your Maruti Car insurance online is a quick and seamless experience. Simply visit the website and enter details such as Maruti car model, purchase date of car etc. and choose any add-ons. Once you make the payment, your policy will be renewed.
Yes, a zero depreciation cover is an add-on you can include in Own Damage (OD) insurance plan. Zero depreciation add-on cover offers 100% coverage for all fibre, rubber and metal parts without deduction of depreciation.
Yes, our vast network of 8000+ cashless garages across India helps you with cashless assistance anywhere, anytime.
Third-party (TP) insurance is a legal requirement for you to drive on the roads. If the third-party insurance policy for your Maruti car is about to expire, it's advisable to renew the TP insurance without delay. If your Maruti car additionally needs OD cover, you should consider going for a comprehensive insurance cover.
You will have to pay compulsory deductibles if your Maruti car goes through an insurance claim. As per new guidelines set by IRDAI, compulsory deductible for a vehicle with less than or equal to 1500cc is ₹1000. For vehicles more than 1500cc, the compulsory deductible is ₹1000.
The best way to reduce your Maruti Suzuki car insurance premiums is by availing No Claim Bonus (NCB). You can do this by not filing any claims during the insurance term. This is especially true in the event of small damages like a broken tail light or a damaged rear fender. Consider the smarter option and get the immediate repairs done out of pocket, and save on the long run with lower premiums.
It is wise to buy comprehensive car insurance for your Maruti car to get complete coverage. With the comprehensive cover of your Maruti insurance, you will get coverage for loss of expense due to any insurable peril like storms, theft, earthquakes, flood, etc. In addition, the insurer will cover expenses of third-party liabilities involving the insured vehicle in an accident.
Here are the following documents required to file Maruti Insurance Claim:
1. Registration Certificate (RC) Book copy
2. Driver's license copy of the individual driving the insured vehicle at the time of the incident.
3. FIR filed at the police station
4. Repair estimates from the garage
5. Know Your Customer (KYC) documents
6. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.
You can download Maruti Suzuki car insurance policy from HDFC ERGO website. On the HDFC ERGO website home page, you can click the help button and choose the email policy copy option. After that, you will be prompted to enter your registered email or registered mobile number or policy number. The policy will be mailed or sent to you on WhatsApp immediately.
When your Maruti car is stolen, you have to immediately file an FIR, then intimate claim to HDFC ERGO claim’s team by calling on our helpline number or sending a message on WhatsApp on 8169500500.
Yes, Maruti Car insurance is transferable. Car Insurance Transfer formalizes the withdrawal of one party from an insurance policy agreement following the approval of another party. Notably, according to Section 157 of the Motor Vehicles Act, both parties must transfer car insurance policies within 14 days of procurement.

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