Ritz Car Insurance Renewal Online

Ritz Car Insurance
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About Ritz Car Insurance

Maruti Ritz is a compact hatchback car that was jointly developed by the Japanese automobile manufacturer, Suzuki and Adam Opel OG in 2008. While the car was initially launched as Suzuki Splash in Japan; Maruti Suzuki India Limited launched it as Maruti Suzuki Ritz in 2009 in the Indian market. Since Ford had already registered the name Splash in India, the car had to be renamed as Ritz. It comes in both, petrol and diesel variants.

Features of Maruti Suzuki Ritz

Design: Ritz is designed with a tall car body design with glossy paint options. It also has side molding strips to reduce the tendency of scratches. The tail lamp has been designed boomerang style and the wide bumpers give a classy design to the car. The window pillars are well designed to ensure better lighting and the overall exterior gives a smooth look.

Comfort: Maruti Suzuki Ritz is designed to provide maximum comfort to the user and his family. Along with the air conditioner and heater, it also has a steering adjustment, power outlets, fabrics upholstery, and front cup holders.

Security: Maruti Suzuki Ritz has a central locking system, power door lock, and a child safety lock that ensures complete protection to the driver and his passengers. It also has an engine mobilizer and a headlamp beam adjuster that ensures complete safety while driving. The front fog and rear fog halogen lights provide complete visibility during darker hours.

Warning Systems: Ritz is also equipped with an average fuel efficiency indicators and warnings regarding seat belts, low fuel, and open doors.

Premium for Maruti Suzuki Ritz Car Insurance

The premium rates for the car's insurance are dependent on the model variants, its registration year(s), and the insurance company (among others).

Refer the table below for an estimate of the Ritz car's insurance premium rate, IDV, and the cost of Zero Depreciation of the different variants.

Car VariantPrice of the CarIDV*Zero Depreciation (Add on)*Premium (Basic)*
Ritz LDi (Diesel)Rs.5,50,000Rs.4,45,951Rs.2,453Rs.15,390
Ritz VDi (Diesel)Rs.5,97,000Rs.3,50,720Rs.2,676Rs.14,106
Ritz LXi (Petrol)Rs.4,30,000Rs.3,48,033Rs.1,625Rs.12,813
Ritz GenusVXi (Petrol)Rs.4,52,000Rs.3,80,717Rs.1,778Rs.13,801
Ritz AT (Petrol)Rs.6,14,000Rs.4,66,640Rs.1,532Rs.18,726

*TThe values are calculated on the basis of the city (Delhi) and year of registration (2020).

Inclusions & Exclusions of Maruti Ritz Car Insurance


  • Damage by man-made disasters/reasons like fire, self-ignition or lightning, burglary housebreaking or theft, explosion, riot, and strike.
  • Damage by natural disasters like an earthquake (fire and shock damage), flood, hurricane, typhoon, tempest, inundation cyclone, storm, frost, etc.
  • Damage by external means like a malicious act or terrorist activity.
  • Damage whilst in transit by road, inland waterway, rail, elevator or air.


  • Damage caused willfully or deliberately by the owner of the car.
  • Damage caused due to normal wear and tear, mechanical or electrical breakdown of the vehicle.
  • Damage to tyres and tubes.
  • Damage suffered while the driver was under the influence of liquor or drugs.

Add-ons Features

A car insurance add-on offers additional protection to your vehicle from damages that have the potential to cause a substantial monetary loss. This extended coverage comes at an additional premium and often includes options and covers not available in your regular policy. Some of these useful add-on features are:

  • 24x7 Road Assistance add-on which provides assistance during emergencies like fuel delivery, breakdown repair, car towing, minor servicing on road, flat tyre repairs, etc.
  • Zero Depreciation Cover is a cover that allows you to claim the full cost of car parts damaged due to accidents. Unlike the normal insurance policies where only the depreciated value is covered, this option provides the complete replacement value.
  • Non-electrical accessories which cover the damage caused to additionally-fitted non-electrical items such as non-electrical spoiler, seat-cover, etc.
  • Consumables add-on that covers materials that need to be fitted or repaired regularly like nuts, bolts, screws, engine oil, and coolant.
  • Medical Expenses cover which reimburses the expenses for the treatment of passengers in case of accidents.

Maruti Suzuki Ritz Insurance Renewal Process

PolicyX.com is a portal that helps you save time in renewing your Ritz car's insurance policy. For instant and hassle-free renewal, scroll up on this page and look for the form on the right-hand top corner. The next few steps from there are:

  • Enter the registration number of your car and click on 'Get Quotes'. Alternatively, you can also click on "Proceed without your car number", enter the details (such as the Car Make, Variant, RTO Code, and Reg. Year) and select the "Renewal" radio button before you click "Continue".
  • You select your current car insurance plan or choose to opt for another suitable option from the provided list of quotes.
  • After selecting it, you will be taken to the payment page of the insurance provider's online portal.
  • Make the payment and the car insurance policy will be emailed to you in a few minutes.

Maruti Suzuki Ritz Car Insurance: FAQs

1. I have a personal accident cover of Rs. 15 Lacs. Do I need to opt-in for the Owner/Driver PA Cover for my Ritz car insurance?

No. According to IRDAI, Owner/Driver Personal Accident opt-in is not compulsory for those who already have a personal accident cover.

2. The music system of my Ritz car got substantially damaged in a recent accident. Can I submit a claim under my existing insurance policy?

You can submit a claim for it only if you have opted for Electrical Accessories add-on.

3. I had to hire another car for my outdoor travel as my Ritz was under repair. Will this be compensated under the Daily allowance add-on?

Yes. All the transportation costs incurred while your car was under repair is covered by the Daily Allowance add-on.

4. If my Ritz gets stolen or damaged during a riot, should I report it to the police before contacting the insurance company?

Yes. All the damages coming under the category of "Bodily Injury to Self or Third Party", "Theft", and "Third Party Property Damage" should be promptly reported to the nearest police station.

Last updated on 30-12-2020