Car Insurance for Maruti Suzuki SX4

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Maruti Suzuki SX4 Car Insurance Online

Maruti Suzuki SX4 is a luxurious sedan with extraordinary interiors and exteriors, all at a very affordable price. Launched in 2007, the car comes with a powerful engine and good mileage that makes it fit for both short and long travels. Though SX4 gave way for newer cars in 2014, it is still a popular option in the Pre-Owned section. Available in petrol and diesel variants, it offers a 1.6-litre engine with 102PS as its peak power. SX4 was a popular choice because of the power it offered and the elegance with which it could move on roads.

Variants of Maruti Suzuki SX4

To make the Maruti Suzuki SX4 more efficient and capable of serving everyone's needs, the company has launched a couple of variants of the same model. Here are some of them:

Maruti Suzuki SX4 VXi

Maruti Suzuki SX4 VXi is the most basic variant of the luxury sedan car. This is the base petrol variant of the Maruti SX4 car but despite this fact, the car is loaded with features that make it very popular. Its powerful engine along with the 5-speed standard gearbox provides a mileage of more than 11.5 kmpl.

Maruti Suzuki SX4 Green VXi (CNG)

Maruti Suzuki SX4 Green VXi is the CNG version of the car and this variant comes with a 1.6 litre DOHC Engine accompanied by VVT technology that makes it super strong and fit for any road. The engine combined with the gear system gives a good mileage ranging between 18 kmpl to 21 kmpl. The exteriors of the car showcase strength and virility while the interiors are filled with all the comforts.

Maruti Suzuki SX4 ZXI MT

Maruti Suzuki SX4 ZXI MT is one of the mid-level models of the luxurious sedan car. This variant of the car has sleek exteriors and impressive interiors which makes the car super comfortable for all kinds of journeys. Each variant of the Maruti Suzuki SX4 car gets more and more efficient in relation to fuel economy. Automatic air conditioner cum heater, luggage compartment lamp and remotely operated fuel tank are some of the best features of this model.

Maruti Suzuki SX4 VDI

Maruti Suzuki SX4 VDI is the base diesel variant of the car. This model is fit for people who want a comfortable yet stylish diesel sedan in an affordable price range. Like the other variants of the Maruti Suzuki SX4, this car is also equipped with the best of features to provide guaranteed comfort and safety to the passengers.

Types of Maruti Suzuki SX4 Car Insurance HDFC ERGO Offers

Single Year Comprehensive insurance>

If you are looking for a holistic solution for your car, this is the best choice. You will get everything with a single Maruti Suzuki SX4 car insurance policy, whether you need to meet the legal requirement or want to protect your own car. With this car insurance policy, you will get the following risks covered:

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

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

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Third-party liability insurance >

For people who are looking to get the cheapest insurance policy and mostly care about being on the right side of the law, third-party car insurance is the best choice possible. In this policy, you will get covers for:

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

Personal accident cover

Third-party property damage

Injury to a third-party person

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Stand alone own damage cover >

For people who still have third-party cover for the new Maruti Suzuki SX4 car insurance and only need to protect the car itself, standalone own damage cover is available from HDFC ERGO. This will provide you cover for:

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

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

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Multi-year comprehensive insurance >

This is the same single year comprehensive policy but can be purchased for multiple years in one go. With this policy option, you get all the protection mentioned in the single year policy, but the validity of this policy can be as long as three years. The key reason to choose this policy is to get an affordable deal on car insurance, enjoy the convenience of long-term cover and not having to bother with annual renewals etc. It is the most popular policy offering from HDFC ERGO for car insurance.

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

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Inclusions & Exclusions of Maruti Suzuki SX4 Car Insurance

What is covered?
What is not covered?

A comprehensive Maruti Suzuki SX4 car insurance policy from HDFC ERGO is the best deal you can get for your vehicle. When you buy this policy, you can rest assured that your car will get total protection against every unforeseeable risk. The policy will cover you in the following ways:

Accident coverage

If your car is involved in any accident, the Maruti Suzuki SX4 car Insurance policy will cover the cost of repair as per applicable terms and conditions. If you choose a network garage, you can get the repairs done in a cashless manner.

Natural calamities

If your car gets damaged by any natural calamity including but not limited to floods, earthquakes etc., the car insurance policy will cover the repair costs for the same.

manmade calamities

If your car gets damaged by any manmade calamity including but not limited to vandalism or attempted theft etc., this policy will cover the repair costs for the same.

Theft

If car thieves end up stealing your Swift, the insurance company will give you adequate compensation as per applicable terms after a process of due diligence.

Personal accident

This is a cover mandated by the IRDAI for the owner-driver of the vehicle and is meant to cover hospital bills if the vehicle is involved in an accident. The cover amount is INR 15 lakhs.

Third-party liability

The legally mandated third-party cover comes with full legal protection that is mentioned in the law. In case any damage is caused to the person or property of a third party, this policy will offer you adequate liability cover.

A car insurance policy comes with its own set of terms and conditions and must operate based on certain exclusions and limitations. Following are a few things that your policy will not be able to cover. However, certain add-ons might help you overcome some exclusions:

Depreciation

The decline in the value of your car as it grows older and you use it regularly, is considered as depreciation. It is not included in the car insurance. You can buy a zero depreciation add-on to cover for this exclusion though.

Non-compliance with the law

If your vehicle gets damaged in the course of any illegal activity, it will not get insurance protection. Here, illegal activity will include but may not be limited to driving without documentation, drunk driving, commercial usage of private vehicle etc.

Electrical breakdown

If a mechanical or electrical failure occurs in the due course of a vehicle's usage over its lifetime, the same cannot be covered by your policy as it is not caused by accidental or other external damage.

How to Renew Maruti Suzuki SX4 Car Insurance?

Your car insurance needs to be renewed on time and on a regular basis. In order to ensure easy renewals, HDFC ERGO has taken the process online. You just need to follow a few steps, shown here.

Step #1
Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2
Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3
Provide your email ID and phone number, to receive the quote
Step #4
Make the payment online, and voila! You’re secured.

Why Buy Maruti Suzuki SX4 Car Insurance from HDFC ERGO?

There are a number of companies that offer insurance policies for Maruti Suzuki SX4, but most people prefer to go with HDFC ERGO. There are multiple reasons behind this immense popularity:

Affordable premium

With HDFC ERGO, you will always get the best deals on car insurance policy premium. As much as 70% discounts can be on offer when you purchase a policy from us. From NCB to ARAI anti-theft discounts, we honour every effort of safe driving made by our customers.

Cashless facility

HDFC ERGO has the largest network with more than 8700 cashless garages, which means that you are never too far from the best places to get your car fixed. Take your car to a garage in our cashless network and file a claim. Once your car is fixed, simply pay your share and drive off. The rest of the payment will be handled between HDFC ERGO and the garage directly.

Emergency roadside assistance

Getting stuck on the road with a flat tyre, dead battery or an empty fuel tank can be extremely frustrating. With our emergency roadside assistance add-on, you will never be far from help.

Overnight car repair service

Imagine a situation where you need your car in the morning, and it develops a small problem in the evening before that. With our overnight car repair service, you do not need to worry as we will fix your car overnight and have it ready to go by the next morning.

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Frequently Asked Questions

I am buying a second-hand Maruti Suzuki SX4 car. Do I need to buy add-ons?

Maruti SX4 was discontinued in 2014 and so your vehicle may be over 6 years old. You may no longer be eligible for a Zero Dep and Return to Invoice, however, you can still opt for covers such as Consumable Cover, NCB Protect, Roadside Assistance etc. It is important to keep your vehicle safe and protected at all times. HDFC ERGO offers a number of add-on covers that are available at just a little extra price.

What to do if my Maruti Suzuki SX4 car insurance is expiring soon?

In case your Maruti Suzuki SX4 car insurance is about to expire soon, you will have to get it renewed as soon as possible. For the renewal of your Maruti Suzuki SX4 insurance, you will have to go to HDFC ERGO's official website and navigate to the renewal section. The next step would be to fill a renewal form, get your documents verified and pay the renewal fee. Your car insurance will be renewed in no time.

How many times can I file a claim for my Maruti Suzuki SX4 insurance in a year's time?

HDFC ERGO puts no limits on the number of claims to be made within a year. However, if the claim amount reaches the Insured Declared Value (IDV) of the car then no further claims would be settled. It is recommended to avoid filing claims unless necessary as it can increase your premium at the time of renewal.

Which type of car insurance should I buy to safeguard my Maruti Suzuki SX4?

Buying a new car brings in a bundle of joy, emotions and responsibilities for the owners. There are a number of car insurance plans at HDFC ERGO that will take care of your car's well being. If you want to protect your car from all aspects then going for a comprehensive plan would be the best thing to do. A comprehensive car insurance plan covers you against both own damage and third-party liabilities.

If I want to relocate to some other city, will there be any changes in my Maruti Suzuki SX4 insurance?

Yes, if you are planning to relocate to another Indian city then you should know that your car insurance premium might face a change. Car insurance premiums are decided on a number of factors and geographical location is a major one among them. Therefore, if you are planning to move to a metropolitan city like Bengaluru or New Delhi then your car insurance premium will be increased.

I missed the renewal date of my Maruti SX4, will my NCB be intact when I renew the policy?

Once you miss the renewal period of your car insurance you are given a period of 90 days to renew the policy. Thereafter, you would lose your No Claim Bonus forever. Therefore, it is advised to get your car insurance renewed within the given period of time so as to avoid losing a big discount like NCB.

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