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About Swift Car Insurance

Swift is one of the most popular passenger cars in India. It is a hatchback car classified as a super mini. It ranks third on the list of top 10 cars sold in India after the Alto and Dzire (for FY 2019). The Swift was launched in India by Maruti Suzuki in May 2005. In 2010, the Swift got an engine change to ensure its compliance with the BS IV norms.

Key Features of Maruti Suzuki Swift

The Swift has a 1.2-litre K-series engine of 1197 cc capacity that can deliver a maximum power of 61kW @ 6000 rpm. Swift has 5 MT transmission and it has a boot space of 268 litres. It has disc brakes in the front tyres with drum brakes in the rear tyres.

The Swift can seat 5 passengers. It has a fuel tank capacity of 37 litres. It delivers fuel efficiency of 21.21 km/l. It is available in three main variants, the LXI, VXI, and ZXI. Coming to safety features, it has dual front airbags, ANS with EBD and brake assist, dual front airbags, high-speed alert system, and engine immobilizer.

The key features of the Swift are:

  • Electric power steering
  • Reverse parking sensor
  • Steel wheels
  • Front dome lamp
  • Roof antenna
  • Gear shift indicator
  • Multi-information display

Premium for Swift Car Insurance

The insurance premium for your Swift car depends on key factors like the car model and variant, the year when the car was registered and the place where the car was registered. The premium table below shows rates for different variants of Swift:

Car VariantPrice of the CarIDV*Zero Depreciation (Add on)*Premium (Basic)*
Swift1.2 L LXI Petrol engine 1197 ccRs.5,19,000Rs.4,22,039Rs.2,932Rs.20,308
Swift 1.2 L VXI Petrol engine 1197 ccRs.6,19,000Rs.4,79,758Rs.3,278Rs.21,781
Swift 1.2 L ZXI Petrol engine 1197 ccRs.6,78,000Rs.6,56,100Rs.4,337Rs.26,283

*The prices are calculated for a 2020 Swift car registered in New Delhi.

Inclusions & Exclusions Of Maruti Suzuki Swift Car Insurance


  • Third-party liability is taken care of by the insurance policy. The liability for any accident caused leading to injuries to a third party or damages to a third party’s property would be covered by the policy.
  • If an accident leads to damages to your car, then the damages can be claimed under the policy.
  • Injuries suffered to those who were in the car at the time of the accident can also be claimed under the policy.
  • Theft of the car is included and losses can be compensated under the policy.
  • Any losses caused due to damages during transit of the vehicle are included.
  • Natural calamities like floods, earthquakes, and landslides are included.
  • Damages caused by fire, explosion, vandalism, and riots are included in the policy.


  • General wear and tear of the car are not covered under the policy.
  • Electrical and mechanical breakdown are excluded.
  • Cost of consumables and costs involved in replacing or repairing accessories are not included in the policy.
  • War, enemy hostilities, invasion, and nuclear warfare are not covered by the policy.
  • Driving the car without a valid license, driving under the influence of alcohol or drugs, and driving the vehicle for racing or commercial reasons are excluded.
  • Deliberate damages caused by the driver are not covered.

Add-ons Benefits

Add-ons provide additional cover for your insurance policy. The following are some of the popular add-ons that people take for their Swift car. These add-ons ensure additional inclusions to your policy.

  • Zero Depreciation is an add-on where the depreciation value is considered to be zero. This would ensure you got a complete bumper-to-bumper coverage for your policy.
  • 24x7 Road Assistance is an add-on that provides assistance on the road, in case of any problems with the car. This includes tyre changing, towing, and breakdown repair.
  • NCB Protector is an add-on that ensures you do not lose the no-claim bonus that you have for your car when you make a claim. This add-on will ensure your discount continues even if you make a claim (only 2 allowed in a policy year).
  • Key and Lock Replacement will help you get a replacement for your car key if it is lost or damaged.

Step To Renew Swift Car Insurance

Renewal of your Swift car insurance is very important and you need to ensure it is done well before the due date. If you are looking for a trouble-free experience to renew your Swift car insurance, you can get it done through PolicyX.com. This is how it works:

  • Look for the form at the top right-hand corner of this page to begin the renewal process.
  • Fill a form with details of your Swift car, the variant, the date of registration, and the place of registration. Once you submit this form, you can see quotes from various insurers.
  • The quotes from insurers would have quotes from your present insurance company, as well as others. You can choose to continue with your insurer or go with another one.
  • Click the ‘buy’ option next to the quote. You will be taken to the website of the insurer.
  • Pay your premium online to complete the renewal process. You will get an email with confirmation and a copy of the renewed policy. You can take a printout of the policy and keep it in your car.

Maruti Suzuki Swift Car Insurance: FAQs

1. I left the lights of my Swift car on and now the battery is dead. Can I get roadside assistance for battery jumpstart?

Yes, you can get assistance for jump-starting of a car battery provided you have taken the 24x7 road assistance add-on for your policy. The basic policy does not include this but with the add-on, you can get this service.

2. My Swift car was involved in an accident with another scooter, which was completely damaged. Can I make a claim for compensation to the scooter owner?

Yes, you can. Any damage to the third party’s vehicle is included in the policy and you can compensate the scooter owner for damages caused. Any injuries to the scooter driver can also be covered.

3. I heard that I can get a discount on my Swift insurance policy if there are security devices installed, is this true?

Yes, when you install security devices, you are reducing risk and the insurer would offer you an additional discount on the premium. However, this is valid only if the device you install is approved by ARAI (Automotive Research Association of India).

4. I forgot to renew my Swift car insurance, what are the possible consequences of this?

If your car insurance policy has lapsed, it means your car is not covered by insurance. In case of any accident, you are liable to pay all the damages yourself. You are also exposed to legal liability in case of accident to a third party. It is an offence under the Motor Vehicles Act to drive without insurance and you can face legal action. Failure to renew insurance on time can even lead to a higher premium when you do it late. It is advisable to renew insurance on time always.

Last updated on Aug 2022