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How to Buy Insurance for Maruti Wagon R Insurance via InsuranceDekho
Maruti Suzuki Wagon R Summary
Maruti Suzuki Wagon R is a compact and comfortable hatchback car. It is considered the best family car with exciting features available at an economical price. Its engine capacity is up to 1,197 cc and tends to deliver a mileage of 20.52 kmpl to 33.54 km/kg under its petrol and CNG variants respectively. This 5-seater car comes with manual as well as automatic transmission. It is available in 14 variants and 7 vibrant colours. The Wagon R is furnished with a range of safety features which includes anti-lock braking system, child safety locks, airbags for driver and passenger, anti-theft device, crash sensor, engine immobilizer, etc.
Maruti Suzuki Wagon R Car Insurance
It is compulsory to have a minimum of a third party car insurance policy as per the Indian Motor Tariff. This is an insurance cover which offers the basic coverage to protect you against the financial obligations which may arise towards a third party due to an accident involving your car. Driving your car without an active insurance plan is an illegal act which can make you penalised with Rs. 2,000 and/or an imprisonment of up to 3 months.
Types of Car Insurance Plans
1. Third Party Cover
This is the basic insurance cover which you should mandatorily own. It safeguards you against the financial liabilities towards the third party for bodily injury, death or property damage incurred due to an accident that involves your car. This insurance policy offers compensation for the expenses incurred due to property damage of up to Rs. 7.5 lakh.
2. Standalone Own-Damage Cover
This is an insurance cover to compensate for the expenses which may occur due to damage or any loss sustained by your car in an accident or a mishap.
3. Comprehensive Cover
This is a holistic insurance cover that shields you against financial liabilities which you may incur towards a third party along with own-damage expenses that may occur due to an accident or an unforeseen incident involving your car.
How to Buy Insurance for Maruti Suzuki Wagon R from InsuranceDekho
Visit the InsuranceDekho website and get all the car insurance-related solutions. Follow the steps given below and get a car insurance coverage for your Maruti Suzuki Wagon R:
Step 1: Visit the official website InsuranceDekho
Step 2: Fill your car’s number in the “get your quote” section. In the absence of your car number, you can also fill details like brand, model, fuel type, variant, registration year, and registration location of your car, to get the quotes.
Step 3: Fill your name and mobile number to get the quotes for car insurance plans
Step 4: Choose a car insurance quote based on your budget and requirements
Step 5: Make payment for the selected insurance plan and get its documents through email.
Maruti Suzuki Wagon R Car Insurance Claim Process
Cashless Car Insurance Process
The cashless car insurance process helps you get your car repaired without making any payment at the network garage of your insurance company and the repair bill is settled by the insurer. Follow the below process to raise a cashless claim for your Wagon R car:
- Intimate your insurer as early as possible after an accident or mishap by calling the customer support staff of your insurer or by visiting their website or through their mobile app.
- Share all the details of the incident to the police and register an FIR, especially in case of accident, fire, theft, and so on.
- Click a few pictures of damages sustained by your insured car, bodily injuries, and any other damage, etc., after the accident to procure them as a vital proof for the settlement of the claim.
- Search a network garage near your location and take your car there for cashless repair. You can also get in touch with your insurer to arrange towing facilities, in severe condition.
- As your car reaches the network garage, a surveyor will be sent by the insurance company to assess the extent of damages suffered by your car. Here you must show relevant documents like car registration certificate, policy copy driving license, FIR, etc., to the surveyor.
- The surveyor will prepare and submit a report which has the estimate of the claim amount. On the basis of documents and the surveyor's report, the insurer will approve or reject your claim.
- If your insurer gives approval, the network garage will start repairing your car. After the completion of repair work, your insurer will settle the repair bills directly with the garage.
Reimbursement Car Insurance Process
The reimbursement claim process is designed to make you pay for your repair bills initially and then reimburse it. Follow the below process to raise reimbursement claim for your Wagon R car:
- Inform your insurance company about the event and register your claim.
- Take your car to any garage or workshop after the accident or mishap for repair.
- Your insurer will send a surveyor to the garage to access the extent of damages of your car.
- A claim report will be prepared and submitted to your insurance company by the surveyor.
- The garage will start repairing your car and you will have to pay the generated repair bill.
- Submit the original repair invoice, relevant documents and a claim form to your insurer.
- After examining your bills, claim form, etc., your insurer will reimburse your claim amount.
Maruti Wagon R Variants
|Variant Name||Fuel Type||Ex-showroom Price|
|Maruti Wagon R AMT VXI Option||Petrol||₹520,709.00|
|Maruti Wagon R 2010-2012 AX||Petrol||₹350,880.00|
|Maruti Wagon R 2010-2012 AX Minor||Petrol||₹350,880.00|
|Maruti Wagon R 2010-2012 AX BSII||Petrol||₹380,989.00|
|Maruti Wagon R CNG LXI BSIV||CNG||₹500,500.00|
|Maruti Wagon R CNG LXI Opt BSIV||CNG||₹507,500.00|
|Maruti Wagon R AMT VXI Plus||Petrol||₹517,253.00|
|Maruti Wagon R AMT VXI Plus Option||Petrol||₹535,638.00|
|Maruti Wagon R CNG LXI Opt||CNG||₹532,000.00|
|Maruti Wagon R DUO LPG||LPG||₹416,409.00|
|Maruti Wagon R AMT VXI||Petrol||₹448,062.00|
|Maruti Wagon R 2010-2012 AX BSIV||Petrol||₹350,880.00|
|Maruti Wagon R Diesel||Diesel||₹370,000.00|
|Maruti Wagon R CNG LXI||CNG||₹525,000.00|
|Maruti Wagon R KREST||Petrol||₹383,048.00|
|Maruti Wagon R 2010-2012 Duo LX BSIII||LPG||₹431,850.00|
|Maruti Wagon R 2010-2012 Duo Lxi||LPG||₹431,850.00|
|Maruti Wagon R LXI DUO BS IV||LPG||₹415,607.00|
|Maruti Wagon R LXI CNG||CNG||₹469,029.00|
|Maruti Wagon R 2010-2012 Pro||Petrol||₹426,414.00|
|Maruti Wagon R LXI BS IV||Petrol||₹414,921.00|
|Maruti Wagon R LXI CNG Avance Edition||CNG||₹483,973.00|
|Maruti Wagon R LX DUO BSIII||LPG||₹328,930.00|
|Maruti Wagon R LX BS IV||Petrol||₹374,403.00|
|Maruti Wagon R 2010-2012 LX Minor||Petrol||₹406,359.00|
|Maruti Wagon R 2010-2012 LXI BSIII||Petrol||₹380,989.00|
|Maruti Wagon R LXI Optional||Petrol||₹447,688.00|
|Maruti Wagon R 2010-2012 LX BSII||Petrol||₹380,989.00|
|Maruti Wagon R 2010-2012 LXI BSII||Petrol||₹380,989.00|
|Maruti Wagon R 2010-2012 LXI Minor||Petrol||₹380,989.00|
|Maruti Wagon R 2010-2012 LX BS IV||Petrol||₹350,880.00|
|Maruti Wagon R LXI Avnace Edition||Petrol||₹429,944.00|
|Maruti Wagon R 2010-2012 LXI BS IV||Petrol||₹380,989.00|
|Maruti Wagon R LXI DUO BSIII||LPG||₹354,551.00|
|Maruti Wagon R 2010-2012 LX BSIII||Petrol||₹312,109.00|
|Maruti Wagon R LXI Opt||Petrol||₹452,500.00|
|Maruti Wagon R LXI||Petrol||₹445,500.00|
|Maruti Wagon R 2010-2012 LXI CNG||CNG||₹431,850.00|
|Maruti Wagon R 2010-2012 LXI LPG BSIV||LPG||₹431,850.00|
|Maruti Wagon R LXI CNG Optional||CNG||₹532,000.00|
|Maruti Wagon R Pro||Petrol||₹426,414.00|
|Maruti Wagon R VXI 1.2 BSIV||Petrol||₹489,000.00|
|Maruti Wagon R VXI BS IV with ABS||Petrol||₹463,280.00|
|Maruti Wagon R VXI AMT1.2BSIV||Petrol||₹536,613.00|
|Maruti Wagon R VXI AMT Opt 1.2||Petrol||₹567,500.00|
|Maruti Wagon R VXI||Petrol||₹490,500.00|
|Maruti Wagon R VXI BS IV||Petrol||₹440,963.00|
|Maruti Wagon R 2010-2012 VXi BSII||Petrol||₹380,989.00|
|Maruti Wagon R VXI Plus Optional||Petrol||₹489,072.00|
|Maruti Wagon R VXI Optional||Petrol||₹473,748.00|
|Maruti Wagon R VXI Opt 1.2BSIV||Petrol||₹496,113.00|
|Maruti Wagon R 2010-2012 VXI BS IV with ABS||Petrol||₹437,674.00|
|Maruti Wagon R VXI BSIII W/ ABS||Petrol||₹385,247.00|
|Maruti Wagon R VXI AMT 1.2||Petrol||₹560,500.00|
|Maruti Wagon R ZXI 1.2||Petrol||₹548,000.00|
|Maruti Wagon R VXI Opt||Petrol||₹497,500.00|
|Maruti Wagon R 2010-2012 VXI BS IV||Petrol||₹406,359.00|
|Maruti Wagon R VXI AMT Opt 1.2BSIV||Petrol||₹543,113.00|
|Maruti Wagon R VXI AMT||Petrol||₹537,500.00|
|Maruti Wagon R VXI Plus||Petrol||₹469,628.00|
|Maruti Wagon R VXI 1.2||Petrol||₹513,501.00|
|Maruti Wagon R VXI AMT Opt||Petrol||₹544,500.00|
|Maruti Wagon R 2010-2012 VXI Minor||Petrol||₹406,359.00|
|Maruti Wagon R ZXI AMT 1.2BSIV||Petrol||₹569,613.00|
|Maruti Wagon R ZXI 1.2BSIV||Petrol||₹522,613.00|
|Maruti Wagon R VXI Opt 1.2||Petrol||₹520,500.00|
|Maruti Wagon R 2010-2012 VXI BSIII||Petrol||₹406,359.00|
|Maruti Wagon R ZXI AMT 1.2||Petrol||₹594,800.00|
|Maruti Wagon R 2010-2012 Vx||Petrol||₹300,000.00|
Add-ons For Your Maruti Wagon R Car Insurance
Useful add-on covers to enhance your car insurance coverage.
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Maruti Wagon R Car Insurance User Reviews56 Reviews
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Maruti Suzuki Wagon R Car Insurance FAQs
What is the Best Car Insurance Plan for My Maruti Suzuki Wagon R?
The car insurance policy best suited for a vehicle depends on the requirement of the policyholder. However, a good way to select the right insurance provider is through their claim settlement ratio. Here are some of the insurance providers with the highest claim settlement ratio:
- Acko Car Insurance
- Bajaj Allianz Car Insurance
- Bharti AXA Car Insurance
- Chola MS Car Insurance
- IFFCo Tokio Car Insurance
Will Car Insurance Pay for My Wagon R’s Windshield if it is Shattered in an Accident?
The car insurance provider will compensate for the damages to your windshield in case of a mishap if you have either a standalone own-damage car insurance or a comprehensive insurance plan. However, in case you do not report the mishap on time the insurance provider can reject the claim.
Does My Second Hand Wagon R Require Car Insurance?
Yes, it is obligatory for every car in India to have at least a third party insurance while driving. If caught without it you can be punished with a fine of Rs. 2000 and/or imprisonment for up to 3 months. Moreover, if you want coverage for own-damage costs you should also purchase an own-damage cover or a comprehensive cover.
What are the Factors that Affect My Wagon R’s Insurance Price?
The insurance premium amount is dependent on a number of factors. The most important being the Insured Declared Value of the car. This in turn is affected by the depreciation rate.
How to Claim Car Insurance for My Wagon R?
To file for car insurance claim follow the given steps:
- Step 1: File an FIR at your nearest police station.
- Step 2: Inform the insurance provider of the situation as soon as possible.
- Step 3: Fill in the claim form and submit it along with the required documents to the insurance provider.
- Step 4:The insurance provider will send a surveyor to check the damage. Once he/she files the report, your claim process will be complete. After this, you can either take your car to a network garage or some other workshop of your choice.
What is NCB in Car Insurance for My Wagon R?
The NCB or the NO Claim Bonus is a reward given to the policyholder by the insurance provider for a claim-free year. It is cumulative in nature and goes up to fifty per cent in the 5th consecutive claim-free year.
What is the Zero Depreciation Cover in Car Insurance for My Wagon R?
A Zero Depreciation Cover is an add-on that can be purchased with a standalone own damage cover or a comprehensive plan. It negated the depreciation rate of the car when calculating the claim amount. However, it is only available for cars that are less than 5 years old.
How is IDV Calculated for My Wagon R in Car Insurance?
The IDV of a car is calculated by taking the manufacturer’s selling price and deducting the depreciation rate of the car from it.
How to Renew the Car Insurance Policy for My Wagon R?
The easiest way to renew your car insurance is to do it online. Go to our website InsuranceDekho and select the car insurance tab. Provide your car’s registration number, fuel type and variant. Enter your personal details, the expiry date and name of the insurance provider of your previous policy and mention claims if any. The quotes for car insurance policies will be visible on your screen. Select the policy and add-ons of your choice and make the payment. The policy document will be sent to your registered email ID.
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