Dzire Car Insurance Renewal Online

Dzire Car Insurance
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About Dzire Car Insurance

Maruti Suzuki Dzire is a subcompact sedan which is developed for the Indian market since the year 2008. It is a variation of the second-generation Maruti Suzuki Swift, which is a hatchback. The subcompact sedan was launched in the Indian market with the goal of offering a sedan-like car in a smaller size. However, the second generation was converted into a sub 4-meter sedan in order to get the tax benefits offered to cars below 4 meters of length. It also received drastic cosmetic changes to both its exterior and interior parts. The sedan now competes with the likes of Honda Amaze, Volkswagen Ameo, and Hyundai Xcent.

Key Features of Maruti Suzuki Dzire

The 2020 Dzire, along with the facelift, has received an upgrade to a K-series BS6 compliant 1.2-litre 4-cylinder petrol engine. It is tuned to produce the maximum power of 82bhp. The car variants having 1.3-litre 4-cylinder Fiat-sourced diesel engine, however, have been discontinued.

Considering the transmission, Maruti Suzuki Dzire offers both automatic and manual transmission with a 5-speed gearbox. Where the LXi variant is only available with a manual transmission, VXi, ZXi and ZXi+ have the option of an automatic transmission as well.

Taking the performance into consideration, the subcompact sedan offers a fuel efficiency of 28.40 km/l in petrol engines with both manual and automatic transmission. The car comes with a fuel tank capacity of 37 litres. As for its speed, the variants with manual transmission take about 12.36 seconds to move from 0 to 100kmph of speed and can attain a top speed 140kmph.

Some of the most sought features of Maruti Suzuki Dzire are flat-bottom steering, rear AC vents, touchscreen infotainment system, Apple CarPlay, Android Auto, in-car Navigation, airbags, electronic brake-force distribution, brake assist, headlamp beam adjuster, and curtains for fog lamp housing.

Premium for Maruti Suzuki Dzire Car Insurance

Your Maruti Suzuki car insurance premium rates quotes may vary from company to company when compared. However, there are certain factors that are considered to add up to the cost of your car insurance premium. Those include the age of your car, the terrain on which you will drive it, its Insured Declared Value (IDV), its make and model, the displacement provided your car’s engine provides, and the current condition it is in.

The following table will give you a good idea about the following: cost of the premium, price of the car, Insured Declared Value, and zero depreciation add-on for some of Dzire’s variants.

Car VariantPrice of the CarIDV*Zero depreciation (Add on)*Premium (Basic)*
Dzire LXI Petrol (1197 cc)Rs.5,89,000Rs.5,15,850Rs.2,321Rs.13,768
Dzire VXI AMT Petrol (1197 cc)Rs.7,31,000Rs.6,56,450Rs.2,954Rs.14,922
Dzire ZXI Plus AMT Petrol (1197 cc)Rs.8,80,000Rs.7,50,500Rs.3,377Rs.15,694

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

Maruti Suzuki Dzire Car Insurance: Inclusions/Exclusions


  • Protection for all the occupants of the car, including the driver.
  • Coverage against the damage or loss that is caused due to accident.
  • Coverage against damage or loss caused by fire.
  • Total loss or damage due to terrorism.
  • Total loss of your car due to theft.
  • Protection against damage caused due to natural calamities such as flood, earthquake, etc.
  • Coverage against damage to the third-party and their property.
  • Eligibility for cashless claims at network garages.


  • Breakdown of your car due to electrical or mechanical failure.
  • Normal wear and tear caused due to lack of maintenance.
  • Damage caused to your car’s tyres.
  • Damage or loss when driven without a valid license.
  • Coverage against damage caused when driving drunk or other intoxicants.
  • Damage or loss to the vehicle when used for racing.
  • Damage caused when driving outside the geographical constraints.
  • Damage or loss caused due to nuclear war.

Add-ons Benefits

You can include some of the exclusions as part of your Dzire car insurance policy by purchasing additional covers. Hence, you can opt for such add-ons at an extra cost.

  • Engine Protection ensures that all your expenses for engine damage repair are covered. This is especially beneficial for car owners who reside in geographical areas that are prone to flooding.
  • Passenger cover can be used by the policyholder to protect occupants of the car other than the driver in case of disability or death caused due to an accident.
  • Personal Belongings Cover provides protection for the belongings that are inside the car, such as laptops, smartphones, etc.
  • No Claim Bonus Protection ensures that your discount, which you can earn for every claim-free year, remains protected even if you make a small amount of claim. Your first claim-free year's discount can start with as much as 20% discount on premium and it may go up to 50% discount by the end of 5 claim-free years.

How To Renew Car Insurance Policy For Maruti DZire

Your Maruti Suzuki Dzire car insurance policy can be easily renewed online with the help of All you need to do is scroll up on this page and find the form on the right-hand top corner. The next few steps from the form are easy to follow:

  • Fill the necessary details in the form, such as your car’s make, variant, RTO code and its year of registration.
  • Select the “Renewal” option and click “Continue”.
  • You may either choose to proceed with your existing plan or even opt for another suitable one from the comprehensive list of quotes.
  • Proceed to make the payment online on your chosen insurance provider’s portal.
  • Your insurance policy document will reach your email inbox right away.

DZire Car Insurance: FAQs

1. I tried to force-start my car when it was submerged under the water and the engine shut down completely. Can I claim insurance for the damages incurred in the process?

No. Even if your car is protected with Engine Protection add-on, it will not cover the damages incurred during the force-start. This is because the engine is designed to shut down and not let the water in during such cases.

2. My first year of Dzire car insurance was claim-free. However, I made a claim in the second year. Will this affect my No Claim Bonus?

Yes. Even if you have one claim-free year, which had earned you a 20% discount, your bonus will drop to 0% if you make a claim in the subsequent years.

3. My laptop inside my Dzire was stolen and I reported after 48 hours of finding out. Can I claim the insurance on the loss?

No, you cannot claim insurance for the loss if the theft was not reported to the police within 24 hours of finding out.

4. Will my Dzire car insurance protect more than three passengers in the car if I have Passenger Cover add-on?

No, your car insurance policy may not cover more than three passengers.

Last updated on Aug 2022