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Maruti Car Insurance
  • Roadside Emergency Assistance
  • Discounts on Premiums
  • Coverage Against Theft/Fire
  • Protection from Natural Disasters
  • Personal Accident Cover

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Maruti Insurance

Maruti Suzuki India is probably the most trusted brand of the Indian population and the oldest selling carmaker. Maruti Suzuki cars is a resultant product of two automobile manufacturing buff called Maruti Udyog, Indian MNC and Suzuki, a Japanese car and two-wheeler maker. People can still not forget their most versatile car model called Maruti Suzuki 800 that saw huge demand.

Maruti Suzuki cars also gave a hugely profitable business to car insurance companies due to compulsion made by the Indian government. From there onward, every car owner who purchases a new/ second hand Maruti Car is liable to buy Maruti insurance. Whether you own Alto 300, WagonR, swift or Baleno, the car insurance company will provide exclusive coverage in case your car gets caught in an accident/ third party accident.

Best Selling Maruti Car Models

Maruti Suzuki Dzire

The most preferred model introduced by Maruti Suzuki at a highly reasonable price which makes it accessible to every middle-class family.

Specifications

  • Available in 14 variants- LXI, VXI, LDI, VXI AGS, ZXI, VDI, ZDI, VDI AGS, ZXI Plus AGS, ZXI Plus, ZXI Plus AGS, ZDI Plus, ZDI Plus AGS, ZDI AGS.

  • Mileage between 22 kmpl to 28 kmpl with petrol/ diesel support and automatic/ Manual transmission.

  • Airbags, Passenger Airbags, ABS, Central Locking, Power Door Lock, Engine Immobilizer, Automatic Headlamps, USB and Bluetooth Support.

  • Steering Adjustment, Power Outlets 12V, Rear arm set, Keyless Entry, Rear Parking Sensor, Push Start Stop Button, Climate Control.

Maruti Suzuki Cellero

A fuel efficient car equipped with the latest car technology and gives competition to brands like Tata and Hyundai in terms of performance.

Specifications

  • Available in 14 variants- LXI, VXI, AMT LXI, ZXI, Green VXI, AMT LXI Optional, LXI Optional, ZXI Optional, AMT ZXI Optional, Green VXI Optional (CNG), AMT ZXI Optional.

  • Colors available are Orange, White, Silver, Blue, Red, Grey.

  • Mileage of 26 kmpl with petrol/ diesel option and 35 liters of fuel tank capacity.

  • Auto Gear Shift (AGS), Airbags, ABS, ISOFIX Child Seat Mounts, Power Door Lock, Engine Immobilizer, Anti-Lock Braking System, Engine Check Warning.

  • Multi-Function Steering, Rear Parking Sensor, 5 Speed Gearboxes, 235L Boot Space, USB & Auxiliary input, Bluetooth connectivity.

Maruti Suzuki Vitara Brezza

The car that gave a neck to neck competition to successful car manufacturers like Mahindra and Ford also comes in the best selling models.

Specifications

  • Available in the 9 variants: LDI, VDI, ZDi Plus, ZDi, ZDi AGS, ZDi Plus (Dual tone), ZDi Plus AGS, ZDi Plus AGS (Dualtone).

  • Colors available are Autumn Orange, red & black, grey, silver, white, yellow & white, orange & white, Blue & white, yellow.

  • Mileage up to 24.5 kmpl with 1.3-liter DDiS200 diesel and 5 speed automated manual transmission.

  • Fuel Tank Capacity of 48 liters and boot space of 328 liters.

  • Airbags, ABS, ISOFIX Child Seat Mounts, Power Door Lock, Engine Immobilizer, Adjustable Headlamps, Anti-Lock Braking System, USB, and Bluetooth Support.

  • Multi-function Steering Wheel, Power Outlets 12V, Rear arm set, Keyless Entry, Rear Parking Sensor, Engine Start Stop Button, Air Quality Control, Anti-theft device.

Maruti Suzuki Car Prices

Maruti Suzuki Car Models Prices (approx.)
Swift Rs.4.99 - 8.86 Lakh
Baleno Rs.5.59 - 8.9 Lakh
Alto 800 Rs.2.94 - 4.14 Lakh
Wagon R Rs.4.2 - 5.7 Lakh
Dzire Rs.5.7 - 9.55 Lakh
Ertiga Rs.7.45 - 11.21 Lakh
Celerio Rs.4.31 - 5.48 Lakh
Alto K10 Rs.3.45 - 4.45 Lakh
S-Cross Rs.8.86 - 11.49 Lakh
Suzuki Ignis Rs.4.79 - 7.15 Lakh
Suzuki Eeco Rs.3.52 - 4.66 Lakh
Vitara Brezza Rs 7.68 - 10.65 Lakh
Grand Vitara Rs 22.7 Lakh

4 Reasons to Buy Maruti Car Insurance

  1. Roadside Assistance: Whenever your Maruti Car faces any technical glitch in the engine or any other part, car insurance will assist. Quick service of mechanic will be provided on the spot where the insured car got struck. Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Fuel Support (Emergency fuel delivery), Emergency towing assistance, Spare Key Retrieval/Service for key locked inside, Continuation/Return Journey (Taxi Support)

  2. Cashless Garage: The insurer from which policy is purchased provides a wide network of garages located all over the country. For instance- ICICI Lombard provides access to 3500+ garages whereas Tata AIG has 4500+ garages. For filing the claim, the claim should primarily be reported to the insurer highlighting the actual cause behind damage.

  3. Online Settlement Process: The customer has the facility to register the Maruti Suzuki insurance claim online. The claim amount is also paid online through net banking/ debit cards/ credit cards.

  4. Financial Security from Unexpected Risks: Maruti Suzuki Insurance will get protection from natural disasters, uninvited accidents, theft, burglary, and other unfortunate events.

  5. Valid for all Maruti Suzuki Car: The Maruti Insurance works for all the car models designed and manufactured by Maruti. However, there may be some limitations based on the age of the vehicle. Some private insurers do not cover the vehicle more than 10 years old while some cover even a 20-year-old.

Companies Selling Maruti Car Insurance

Maruti Suzuki India has various tie-ups with insurance companies operating in India to secure their cars. Let’s have a look at them.

  1. United India Insurance Company

  2. New India Insurance

  3. Future Generali

  4. Bharti AXA

  5. Acko Insurance

  6. Royal Sundaram

  7. Reliance General

  8. ICICI Lombard

  9. HDFC Standard

  1. Bajaj Allianz

  2. Chola MS

  3. Iffco tokio

  4. National Insurance

  5. Oriental insurance

  6. Universal Sompo

  7. Tata AIG

  8. Liberty Motor Insurance

  9. Sriram Insurance

Damages and Repairs Covered

  • Third Party Liability: Suppose your Maruti car gets collided or struck with another person car by mistake. This caused minor injury to a third party head and also to the car. No need to worry, as all the cost will be borne by the insurer on making vaid claim.

  • Theft/ Burglary/ Vandalism: If the car has been stolen or abducted by any other person, the car owner is guaranteed to get the amount of loss occurred. The Maruti Car Insurance provider will analyze the case and release the payment accordingly.

  • Personal Injury Protection: Car insurance not only for the car but also for its owner. Like, if a person has caused injuries to himself, or the other person sitting with them, the cover will give compensation for the loss occurred.

  • Natural Disasters: A Maruti car owner can get protection from earthquakes, Tornado, Flood, Hurricane, Storm, Cyclone, Hailstorm, Frost Landslide, Rockslide, etc under comprehensive car insurance cover. If you live in an area which is prone to such calamities, then it is highly advantageous to you.

  • Perils/ Fire: If your car faces any damages from incidents of fire or explosion, then Maruti Insurance will compensate for the loss occurred. The evaluation of expense is carried on by the inspector where the total loss calculated.

Damages and Repairs Not Covered

  • Loss Due To Wear And Tear: Any loss occurring due to normal wear and tear of the vehicle will not be eligible for a claim. Similarly, any form of mechanical or electrical breakdown, failure of chassis, or body parts, or breakage due to rusting or other weather conditions will not be considered for a claim.

  • Deterioration to Tyres or Electrical equipment: Tyres are more prone to damage and droop after regular usage and due to various types of roads. Similarly, electrical equipment in the car can get damaged due to severe weather conditions, short-circuit, or infestation of rodents.

  • Driving Under Alcohol Influence: Make sure that you never intoxicated while you drive as it is against the traffic rules and also this clause is not covered under car insurance. If any casualties happen to the vehicle while drinking and driving, the insurer is responsible to cover the loss.

  • Intentional Harm to Car: If an owner intentionally creates ruins to his car, then Maruti insurance provider is responsible to compensate for the loss. If any claim is made under this situation, it would be denied.

  • War/ Perils/ Bombing: Any loss caused to the vehicle due to war, biochemical attack, or fire due to nuclear explosion and related events will not qualify for a claim.

Maruti Insurance Add-On Covers

  • Zero Depreciation: This add-on cover will not consider the depreciation value of the car or current value of the car if a claim arises. Whereas in standard comprehensive cover, the damage is paid according to the current value of the car. But after you attach this, you will get the full amount of loss actually incurred.

  • Return To Invoice : This cover will simply ensure payment of the invoice value of the Maruti Suzuki car if it has been lost or stolen. Invoice price/ value refers to the money you paid at time of buying the car. The insurer will pay the actual amount of car purchase plus the registration charges and road tax.

  • Daily Allowance: This is only applicable when your vehicle is under repairs for more than 3 days under an admissible claim. The insurer will give compensation to the insured car owner for the daily commute. Most of the companies offer payment of expenses for 10 days maximum which can be extended if there are severe damages.

  • Emergency Transport & Accommodation Expenses: The service of ranging overnight accommodation and transport is given if the vehicle becomes inoperative. The company will reimburse the taxi charges for returning to your home from the place where your car becomes immovable.

  • No Claim Bonus Protection cover: How painful it is when your hard-earned NCB got flushed away when you make a claim. However, now with no claim bonus protection cover, you can keep your NCB profit untouched.

    How NCB Protector function?

    Suppose you earned 20% NCB in two years and in the third year you applied a claim. Also, you have attached the NCB protection cover with the policy. Consequently, on making a claim of Rs 20,000, your NCB will remain the same and the whole claim value is paid by the insurer.

  • Key Replacement Cover: We will reimburse you for the cost of replacing your vehicle keys which are lost or stolen. We will also reimburse you for the cost of replacing your locks and keys if your vehicle is broken into. The covered costs include the labor cost for replacing the lock. The cover will provide a quick facility of replacement of key for lost/ stolen keys. There is also a provision of reimbursement for replacement of locks if the car got damaged which also includes the expense of labor.

  • Loss Of Belongings Cover: Sometimes accidents/ damages/ thefts also result in loss of precious belongings. While your base car insurance will only give compensation for damage done to the car, this cover pays you for the loss of belongings. The company will provide you the list of belongings covered, if they offer this cover. Also, the belonging should be more than Rs 250.

  • Consumable Expenses: Consumable are the products used for the proper functioning of the car engine and parts. Consumables include engine oil, gearbox oil, lubricants, nut & bolt, screw, distilled water grease, brake oil, oil filter, bearings, washers, air conditioner gas but excluding fuel.

  • Engine & Tyre Secure: By adding this cover you can add safety to your tires and engine. The insured car will receive repair/ replacement service of damage. Any damage arising to the internal parts of the engine, gearbox, transmission are covered. Also, if any bulges, puncture, burst, cuts, happens to car tires will also receive compensation.

Discounts You Get After Purchasing Maruti Insurance

  1. No Claim Bonus: Through the purchase of insurance, you can seriously earn hefty profits like No Claim Bonus. This can be earned only when a customer does not make a single claim during the year and renews his/ her policy on every policy anniversary. The earned NCB helps in minimizing the premium amount established for the policy.

  2. Voluntary Deductibles: Deductibles refers to sharing some proportion of admissible claim amount with the car insurer. How it is beneficial to the Maruti car? The car owner can earn profitable discounts up to 5% to 10% on the premium by taking the initiative to share the cost of claim with the insurer.

  3. Member of AAI or WIAA: An insured car owner can drive enormous benefit from his/ her membership of Automobile Association of India or Western India Automobile Association (WIAA). What kind of perks does it give? Relaxation in the premium amount and services like doorstep service, renewal of driving license, breakdown assistance can also be received by the respective members.

  4. Anti Theft Alarm in Car: Purchasing and gearing your Maruti car with an anti-theft device can really save your money through deduction in total premium. A maximum of 5% of the discount is available under the cover. Anti-theft installation involves locks for the steering wheel and gear, Airbags, Anti-theft alarms, etc.

  5. Discount According To Driver’s Age: The driver who is driving also matters when it comes to availing discounts on car insurance.

    For example- The premium prices for teenagers and old people are usually higher in comparison to the middle-aged drivers between 30 to 50 years. An old person with a growing age loses his eyesight, and also the strength in bones. While young or teenage drivers are charged higher because they have less experience of roads and traffic rules. In both cases, drivers are inclined to damage their car either by their mistake or by others.

Modes of Buying Maruti Insurance?

There are two ways to buy the required protection coverage for your Maruti car. These are-

  1. Directly from Insurance Company: First is to buy Maruti Car Insurance from any insurance company without looking for the best prices that other insurance providers are offering. The choices are limited as the car owner barely get any freedom of choice.

  2. From Insurance Web Aggregator: Second and the most reliable option is to purchase Maruti Insurance is from PolicyX Insurance Web Aggregator where customers can avail the benefit of-

    • Accurate presentation of Premium Values

    • Privacy of Information

    • No concealing of important facts and figures.

    • Compare prices of Maruti Suzuki insurance

    • Flexibility to choose the best coverage in your budget

Documents Required to Buy Maruti Car Insurance

  1. Car Registration number

  2. Previous car policy number (if you have any)

  3. Car manufacturing date (mm/yy)

  4. Engine number

  5. Date of car purchase

  6. Name of the City from where car is bought

  7. Chassis number

  8. Your contact details provided in the registration certificate of the car. (address, phone number, and email address.

  9. A photocopy of the car’s RC booklet.

Maruti Insurance Claim Process

For Accidents/ Damages/ Theft

  1. Intimation of Claim: The customer must pass on the information of the damage arises to the car due to accident/ natural disasters/ theft etc. The customer must brief about the condition of the car and how all this happened.

  2. Calculation of Cost: An investigator/ Surveyor will be assigned for the examination of the loss incurred by the car owner in the event. If the claim is accepted, a clearance report stating the total expenses will be submitted by the investigator to the insurer.

  3. Approval of claim: After qualifying the test of investigation, the reports are approved by the insurer and claim process will automatically initiate.

  4. Repair of Vehicle: For cashless claim process, the car repairs are directly paid by the insurer where customer can enjoy zero cost service.

  5. Payment of Repairs: The insurer will start the payment process and will pay with respect to repair cost arrived.

For Third Party Claim

  1. In this situation, if the third party asks you to meet in court for damage settlement, then you should first inform the insurer.

  2. Note the details of the third party and arrange a lawyer who will represent your case in front of the judge.

  3. If the allegation imposed by the third party proves true, then whole expenses will be paid by Maruti Insurer.

  4. The damages are evaluated and then paid accordingly to the third party. The insured car owner does not have to submit a single penny.

Maruti Insurance: Online Renewal Process

If you don’t want to lose the benefit of your Maruti Insurance, then never miss on renewing after every one year.

  1. PolicyX Insurance web Aggregator gives you the facility of smooth and easy renewal while lounging around your sofa.

  2. Visit Policyx website and go to the car insurance category. Click on the “Get Free Quote” section flashing on the top of the page.

  3. The portal will request you provide your car details as well as contact details to calculate your car worth and determine the premium.

  4. Also, select the renewal option when you fill in the details. Also, mention whether it is expired or still active or going to expire in a few days.

  5. Click Continue after which you will various quotes from different Maruti Suzuki car Insurance providers.

  6. Compare the packages and settle for the best that gives you the best value. You can also filter your choices like the type of coverage, discounts, IDV of Car, etc.

  7. Don’t forget to purchase the add-on as it can significantly make your expensive car more secure.

  8. If you are satisfied with your choice, then move forward to pay the premium through any acceptable online payment mode.

  9. The notification of payment will be communicated through contact number and Email ID provided. A payment receipt is also generated online for further evidence.

FAQ

Is it necessary to purchase third party insurance cover?

Under the Motor Vehicle Act, the car owner has the obligation to insure his/ her car after purchasing a new/second-hand car. There are two kinds of car insurance- third party and comprehensive insurance from which third party is compulsary in India

What is the limit of claim in a year?

The Maruti Cars owners can make innumerable claims in a year that should be valid. There is no restriction on the number of claims.

What if I fail to provide complete documents for the claim process?

The company will extend the process of the claim by giving extra time for document collection. This time limit is extended only when the insurer finds a particular case genuine.

To purchase Zero Depreciation, what must be the age of the vehicle?

The vehicle should be new and must be under 3 years.

Is it worth buying car insurance online?

Yes, a person can get unlimited benefits of buying insurance online. You will save a lot of time, money and energy. Also, you have the facility of comparing distinct prices

Last updated on 2-07-2019

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