Maruti Car Insurance
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Maruti Suzuki was formerly known as Maruti Udyog was founded in 1984. The Indian manufacturer has its headquarters in Delhi and became a subsidiary of the Japanese automobile manufacturer Suzuki Motor Corporation in 1983. They have been at the forefront of automobile production for almost 40 years now. The manufacturer makes affordable cars that are reliable, have great mileage and are overall cheap to maintain. All these factors together make it well suited for those looking for a good value car for everyday commutes.
Maruti Suzuki Car Insurance
Keep in mind that your Maruti Suzuki car will need insurance. Car Insurance will keep your vehicle safe in case of a mishap by providing a layer of protection. The insurance provider will compensate for damage to the car and ensure financial stability for you in times of crisis.
A car is an important asset to us all and a major expense. Hence, keeping it safe is of utmost importance. With insurance, your Maruti Suzuki car will be safeguarded against uncertainties such as road accidents, vandalism, natural and manmade calamities if you have an own damage cover. Moreover, it is compulsory for your Maruti Suzuki car to have at least a third party insurance to drive on Indian roads. This type of cover will compensate for third party liabilities in case of a mishap including bodily injury, death and property damage. If caught without insurance for your Maruti Suzuki car you can be fined Rs. 2,000 and/or be fined for up to 3 months.
The car insurance premium of your Maruti Suzuki will depend on the Insured Declared Value (IDV) of the car. This is the maximum amount of compensation that you can receive from the insurance provider in case of a mishap. The IDV is calculated by deducting the Maruti Suzuki car’s depreciation rate according to its age from the manufacturer’s selling price. You can also purchase add-on covers with your Maruti Suzuki Car Insurance to further increase the strength of your policy. Add-ons are elective and are available with comprehensive plans or standalone own damage covers allowing you to customize your policy to fit your needs. Here are some add-on covers that can be a useful addition to your Maruti Suzuki Car Insurance:
- Zero Depreciation Cover: A zero depreciation cover will help mitigate the depreciation rate of your Maruti Suzuki car during the time of claim settlement. This add-on is available for cars that are less than 5 years old and can be used a limited number of times within the year.
- Consumables Cover: This cover provides coverage for the consumable elements of your Maruti Suzuki car such as the grease, air conditioner gas, bearings, fuel filter, engine oil etc. These aspects are not covered by the insurance policy without this add-on.
- Roadside Assistance Cover: In case your Maruti Suzuki car breaks down with this cover you can enjoy services such as towing to the nearest workshop, on-site repairs and fuel delivery.
Car Insurance Renewal Process for Maruti Cars
Car insurance renewal process for Maruti Suzuki cars is a simple and hassle-free process, especially if it is done online. To continue to enjoy the benefits of car insurance, it is compulsory for all the car owners of Maruti cars to renew their car insurance plans on time without any break. Hence, it is highly recommended to get your car insurance policy renewed before its expiry date to ensure your car getting insured and secured.
Given below are the following steps for buy / renew Maruti Suzuki car insurance online at the InsuranceDekho platform:
Step 1: Visit the official website of the InsuranceDekho and click on the ‘Car’ tab.
Step 2: Enter the Registration Number of your Maruti car and click ‘Proceed’. Now, choose your Maruti car’s fuel type and variant to move ahead. If you do not know the registration number of your Maruti car, then you should click on the ‘Don't know your car number?’ option and choose your car’s brand, model, variant, fuel type, registration year, registration city and RTO, to proceed.
Step 3: Enter the date of expiry of your last car insurance plan and the name of your previous car insurance company. Also, share if you have raised any claim during the previous policy year and click on ‘Continue’ to move further.
Step 4: Enter your personal details which include your name, mobile number and the time for which you want your car to be insured under a car insurance policy and click on the ‘Submit and Get Quotes’ button.
Step 5: All available car insurance policy premium quotes from different insurance companies will appear on your screen. Compare and choose the car insurance policy quote that best suits your budget and requirements. At this step, you can also select a few add-on covers of your choice.
Step 6: Click on the ‘Buy Now’ tab and confirm all the details entered by you before making the payment to renew your Maruti car insurance plan. You can make the payment for the car insurance plan by using your debit or credit card, digital wallets and net banking facilities. After the successful completion of the payment process, the car insurance plan will be instantly issued and its policy document will be sent to you at your registered Email ID.
Car Insurance Cashless Garage Network for Maruti Cars
|Car Insurance Company||Cashless Network Garages|
|IFFCO Tokio Car Insurance||4,300+|
|Royal Sundaram Car Insurance||4,600+|
|Oriental Car Insurance||3,100+|
|Universal Sompo Car Insurance||3,500+|
|New India Car Insurance||3,000+|
|Tata AIG Car Insurance||5,000+|
|SBI Car Insurance||16,000+|
|Bajaj Allianz Car Insurance||4,000+|
|HDFC ERGO Car Insurance||6,800+|
|Future Generali Car Insurance||2,500+|
|Bharti AXA Car Insurance||5,200+|
|ICICI Lombard Car Insurance||5,600+|
|Liberty Car Insurance||4,300+|
|Chola MS Car Insurance||7,100+|
|Digit Car Insurance||1,400+|
|United India Car Insurance||3,100+|
|Reliance Car Insurance||3,800+|
|Kotak Car Insurance||1,300+|
|National Car Insurance||3,100+|
|Magma HDI Car Insurance||4,000+|
|Acko Car Insurance||2,000+|
|Edelweiss Car Insurance||1,000+|
|Shriram Car Insurance||2,000+|
|Navi Car Insurance||900+|
(*Claim Settlement Ratio For FY 2018-2019 As Per IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th Edition)
Claim Cashless Car Insurance for Maruti Cars
If you have Maruti Suzuki car insurance policy, you can get a cashless car insurance claim for it only by getting it repaired at the network garage of the car insurance company. After an accident or a mishap, you should inform your insurance company about the incident immediately to initiate the cashless car insurance process. With this procedure, you can get your Maruti car repaired at an authorised garage after a collision without paying for the repair work as under this process the insurance company tends to bear the repair expenses on the behalf of policyholders after the repair invoice is shared with the insurer.
The cashless car insurance claim is a convenient option for every car owner as it takes away their worry to make a sudden payment for car repair after an accident. The reimbursement claim process needs a duly filled reimbursement form along with several relevant documents, while the cashless car claim requires fewer formalities involved. The cashless claim process is faster as the surveyor sent by the insurer gets involved immediately after the mishap which expedites the process as the repair work can not be started without the approval of the insurance company, which is given on the basis of the report of the surveyor. The insurance companies are tied up with the workshops after they fulfil their quality criteria, due to which you get the best possible repair service for your car.
Renew Expired Policy for Maruti Suzuki Cars
In a car insurance policy, one of the most crucial elements is its timely renewal. No matter how good your plan is, without renewal, it will not be able to insure your car against unforeseen damages and losses as well as from legal compliance. Generally, car insurance comes with a one year or more policy period, after which it should be renewed till its expiry date or before. However, in case your Maruti Suzuki car insurance policy has expired, fret not, you can still renew it within a grace period of around 90 days, which is provided for the different duration by different insurance companies.
Without active car insurance, you can miss out on several benefits like compensation for losses, No Claim Bonus, legal acceptance, and renewal without inspection. Therefore, even if the policy gets expired, it should be renewed within the grace period of around 90 days, which may vary from insurance company to insurance company. You can renew your expired policy online by entering your car details, choosing a car insurance plan, filling up details about your previous insurance policy, and paying for the final premium. However, you must avoid driving without a valid car insurance policy and should keep all your documents handy for smooth policy renewal.
Car Insurance Premium for Maruti Car Variants
|Car Model||Variant of the Car||IDV*||Zero Depreciation Price* (INR)||Premium* (INR)|
|Maruti Alto 800||VXI||241164||1326||6145|
|Maruti Ciaz||1.3 Sigma||631200||2840||16662|
|Maruti Baleno||1.2 CVT Alpha||617710||2780||12824|
|Maruti Celerio||LXI MT||304763||1676||7121|
|Maruti Zen||LX - BS III||249420||1372||6273|
|Maruti SX4||Vxi BSIV||617983||0||17779|
|Maruti 800||AC BSIII||164065||902||4962|
|Maruti Swift Dzire Tour||LXI||448560||2467||10882|
|Maruti Zen Estilo||LX BSIII||267810||1473||6555|
|Maruti Celerio X||VXI||342720||1885||7704|
|Maruti Baleno RS||1.0 Petrol||625680||2816||11309|
|Maruti Ciaz S||1.3||765474||3445||19248|
|Maruti Eeco||5 Seater AC||289694||1883||10512|
|Maruti Ignis||1.3 Sigma||480000||1920||12725|
|Maruti Versa||DX1 8-SEATER BSIII SINGLE A/C||350730||1929||9337|
|Maruti Wagon R Stingray||LXI||312461||1488||6968|
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Maruti Suzuki Car Insurance FAQs
How long does it take to renew a Maruti car insurance?
You can get your Maruti car insurance renewed in just 5 minutes with InsuranceDekho.
Which all insurance add-ons should be bought with Maruti cars
For Maruti Insurance, The popular car insurance add-ons opted with Maruti cars include zero depreciation add-on, engine cover, NCB (No Claim Bonus) cover and RSA (Road Side Assistance) cover among others.
From where can I purchase insurance for my Maruti car
You can visit our website insurancedekho.com, compare all available premium quotes for Maruti cars and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.
Which insurer has the best claim settlement ratio for Maruti cars?
Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the car insurers who have registered impressive claim settlement ratio for Maruti cars.
Should you insure your Maruti Suzuki car?
As per law, it is mandatory to have third party insurance for your Maruti car. However, one should opt for a comprehensive policy as it covers damages to your vehicle as well.
I wish to buy a Maruti car sometime soon. How long is the waiting period in India?
The waiting period depends on the demand and supply. In few cases, waiting period may be long although the company strives to meet your demands and handover you the vehicle at the earliest.
How is IDV calculated on my Maruti car?
IDV is an abbreviation for Insured Declared Value. Calculation of IDV is based on the listed selling price of the vehicle minus depreciation. For a new vehicle, IDV is calculated as 95% of ex-showroom price.
How can I save on my Maruti car insurance premiums?
Wondering how to get a reasonable price on your Maruti car insurance? Well, here are few tips to help you save more:
- Compare all insurance plans online
- Check the IDV of your vehicle.
- Opting for voluntary deductibles is a great way to avail discounts on premium. However, the selected deductible amount must be paid at the time of claim.
- Choose add-ons as per your requirement; for e.g. paid driver cover is not required if you are driving the vehicle.
Can I avail a No Claim Bonus on my Maruti car?
Yes, you can! The insurance company offers No Claim Bonus to all those policyholders who havn't made any claim in past policy period.
How can I renew my Maruti car insurance online?
InsuranceDekho makes renewal of your Maruti Insurance even more convenient. We have safe and quick online Maruti insurance policy renewal facility. Please pay online at https://www.insurancedekho.com/car-insurance
Can I renew the car insurance policy for my Maruti car online?
You can buy/renew a Maruti car insurance plan online by visiting the official website of InsuranceDekho, i.e, www.insurancedekho.com. At InsuranceDekho, you can easily compare different policy premium quotes available online for your Maruti car and pick the one that suits your budget and needs the most.
Can I get the No Claim Bonus (NCB) benefit of my old insurance plan during the purchase of car insurance for my new Maruti car?
Yes, you can get the NCB discount transferred from your old car insurance policy to your new car insurance cover which you bought for your Maruti car as the NCB is offered to policyholders, not to the car.
Can I include zero depreciation add-on cover in the Maruti car insurance plan?
Yes, you can include the zero depreciation add-on cover in your car insurance policy covering your Maruti car by paying an additional premium amount along with the premium amount of base car insurance cover.
For how much time I need to buy a third party insurance cover while buying a Maruti car?
The Supreme Court of India made it compulsory for all the car owners to hold a 3-year third party car insurance policy. You can purchase the third party car insurance policy while registering your car.
Can I purchase an own-damage car insurance policy and third party cover for my Maruti car from different insurers?
Yes, you can buy a standalone own-damage car insurance plan from a different insurance company other than from where you purchased the third party insurance cover for your Maruti car.
If my Maruti car insurance policy gets expired, then within how much time can I renew it?
When it comes to renewal after expiration, most of the insurance companies provide a grace period of 30 days to even 90 days. You should check the renewal information in your car insurance policy document or get in touch with your agent for the same. Also, always try to renew your car insurance plan before the expiry date to make the most of this extra time for your Maruti car.
What details should I enter on the premium calculator to get the premium and IDV for my Maruti car insurance?
To get the right premium amount and IDV of the car insurance for your Maruti Suzuki car, you will have to enter details on the premium calculator such as Car Manufacturer, Model of the Car, Variant of the Car, Car Registration City, Year of Purchase, and so on.
Where can I get the best assistance related to car insurance for my Maruti Suzuki car?
You can get the best customer support for car insurance at the InsuranceDekho by calling at 755-1196-989 or by sending an email at firstname.lastname@example.org.
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