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Maruti Suzuki Wagon R Car Insurance Online
Variants of Maruti Suzuki Wagon R Car
| Petrol (1.0l) | Petrol (1.2l) | CNG |
| Wagon R VXi | Wagon R VXi | Wagon R CNG LXi |
| Wagon R LXi | Wagon R ZXi AMT |
The Wagon R comes in three trims – LXi, VXi, and ZXi. You get two engine options – the 1.0l, and 1.2l producing 68bhp and 83bhp respectively. Both engines can be paired to a manual or AMT gearbox, with Maruti Suzuki providing the AMT option in the VXi, and ZXi variants. The CNG variant comes with the 1.0l engine producing 59bhp, paired to a manual transmission. You also get the option of front passenger airbag across the trims.
Types of Maruti Suzuki Wagon R Car Insurance HDFC ERGO Offers
The Wagon R has kept itself relevant through the years, with its fuss-free and easy-to-drive principles. And with it, you also need a relevant Wagon R car insurance policy to protect your vehicle against unfortunate events. Here are your options:
The single-year comprehensive insurance plan for Wagon R covers your vehicle against accidental damage, theft, and damage due to natural or manmade disasters. The mandatory personal accident cover and third-party liability cover are also included, so that you have comprehensive coverage.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
This is a mandatory, basic car insurance policy that covers you against financial losses to a third-party person or property as a result of an accident involving your car. This also includes the mandatory personal accident cover and is only recommended in case you have multiple vehicles, or an old vehicle that you intend to sell soon.
Personal accident cover
Third-party property damage
Injury to a third-party person
This is similar to a comprehensive car insurance policy in that it covers against any damage to your own vehicle – as a result of an accident, theft, natural or manmade disasters. However, it does not include the mandatory third party insurance, which needs to be bought separately to protect yourself legally.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This is the ideal Maruti Suzuki Wagon R car insurance policy, as it comes with the mandatory third-party liability cover, personal accident cover, and the own damage component, to ensure comprehensive coverage. Where it differs from the traditional comprehensive cover is that this plan offers a three-year third-party liability cover and an annually renewable own damage cover, so you’re insured comprehensively, for longer.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Maruti Suzuki Wagon R Car Insurance
The Wagon R car insurance plan comes with a host of benefits to ensure a hassle-free car ownership experience. With our 24x7 roadside assistance, you’ll never be stranded helplessly, while the car insurance benefits extend to accidental damage and theft. Furthermore, it also takes care of the legal requirement of having car insurance in order to drive on public roads.
Accident coverage
Accidents can be unavoidable sometimes, and faultless. But damage to your car is extremely likely and can result in major out-of-pocket expenses. Furthermore, establishing fault can be a tedious and cumbersome process. Which is why the own damage cover is a handy protective element of your car insurance to ensure you get your vehicle repaired without hassles or out-of-pocket expenses.
Natural or manmade calamities
Disasters come in all forms, but what is inevitable is the damage they cause. Whether its storms, floods, earthquakes or riots and vandalism, your car is vulnerable to these damages. With Wagon R car insurance, you’re protected against the financial consequences of fixing the damage.
Theft
The Wagon R is a desirable car, and easy to maintain, with a constant demand for it in the market. In other words, it can also get stolen. With a theft cover, you’re financially covered in case it gets stolen.
Personal accident
A personal accident cover of INR 15 lakhs is mandatory for every car owner/driver. This provides compensation against treatment costs, and pre- and post-hospitalisation charges in case of an accident.
Third-party liability
You are the first party and your insurer is the second. Hence, the third party is any other individual. This mandatory cover takes care of your financial obligations to the third party in case of an accident that causes injury or damage to the individual or their property.
Not ‘everything’ is covered under your Wagon R comprehensive insurance plan. There are a few specific exclusions, to ensure that the policy remains financially viable. Your policy will not cover the following:
Depreciation
A car is a depreciating asset, which is why depreciation is not covered under a standard insurance policy. If you’re replacing a damaged part with a new component, the value of the damaged part would be covered, but the remaining cost of the new component would have to be paid by you as depreciation cost.
Wear and tear
Natural wear and tear are common and inevitable and can cause components to malfunction over time. This is not covered under your policy as it’s completely unavoidable.
Electrical breakdown
Unless you have an electrical accessories add-on, electrical breakdown of any kind is not covered under your car insurance policy.
Illegal behaviour
Any illegal behaviour while driving your vehicle can result in the rejection of your claim. This includes driving without a valid license, driving under the influence of alcohol or drugs, etc.
How to Renew Maruti Suzuki Wagon R Car Insurance?
Renewing your Wagon R car insurance policy involves four simple steps, which can be completed from the comfort of your home, in a matter of minutes. Here’s how:
Step #1Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Maruti Suzuki Wagon R Car Insurance from HDFC ERGO?
Choosing an insurer requires you to consider its claims settlement ratio and process – the higher the ratio, the better. A smooth claims process will ensure you don’t have to jump through hoops to get your compensation. Furthermore, the insurer needs to have extensive presence in the country, and tie-ups with garages close to your location. With over 1 crore customers, 8000+ cashless garages, and 80% of claims being processed on the day itself, HDFC ERGO is a reliable choice as insurer.
Cashless facility
HDFC ERGO has over 8000 cashless garages in its network across the country, ensuring you’re always taken care of, without burning any hole in your pocket.
Easy claims
HDFC ERGO processes almost 80% of car insurance claims on the same day, leaving you with little to no worries.
Overnight repair service
Our unique overnight car repair service ensures you get a good night’s sleep while we ready your car just in time for the next day’s use.
24x7 assistance
Enjoy 24x7 roadside assistance to help fix breakdown issues, no matter your location. Help is just a call away.
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