Maruti Insurance: Maruti Suzuki Car Insurance

Maruti Suzuki India Limited, previously known as Maruti Udyog Limited, is an auto manufacturer in India. It is a subsidiary of Japanese car and motorcycle manufacturer Suzuki Motor Corporation. As of January 2016, Maruti Suzuki had a market share of 47% of the Indian passenger car market. Headquartered in New Delhi, the company sold its ten-millionth vehicle in India in February 2012.

Maruti Suzuki has a market share of 47% of the Indian passenger car market.

The reputation of Maruti Suzuki is strengthened by a country-wide service network covering over 1500 towns and cities and a sales web that expands across 1471 cities, 2 cutting edge factories, which collectively produce 15 lakh cars annually.

Top 5 most insured Maruti Suzuki models

Wagon R 1.0

Wagon R was introduced to the Indian market in December 1999 and has since gone through three upgrades (one in 2003, another in 2006 and another in 2010). The Indian model (2010) called Wagon R 1.0, is driven by the modern, more dynamic 3-cylinder 998 cc K10B engine. Maruti Suzuki floated a new 5 speed Auto with identical Engine and Same body. This version came only in the Top model that is VXi which had ABS as standard. The petrol version of this car offers mileage of around 19 kmpl.

Swift

Maruti Suzuki Swift was introduced in India in May 2005 with a 1.3-litre petrol engine. And after rigorous developments, in August 2011, the all-new third-generation Swift was launched, with 1.2 L K-series petrol and 1.3 L DDiS engines. Maruti Suzuki Swift is one of the most popular models in India in comparison with other variants available in the same range. It offers 18.7 kmpl mileage for Petrol and 25 kmpl for Diesel variant.

Dzire

Swift Dzire was launched in India on 26 March, 2008. It is a sedan car built on the pattern of the hatchback. It succeeded the long-lived Maruti Esteem by sharing its engines with the hatchback. Swift Dzire is a re-design of the Swift hatchback. Some modifications have been made to the car's overall design to add the boot seamlessly. The wheelbase continues to be the same. Maruti Suzuki Swift Dzire offers a mileage of 23.85 kmpl and 20.85 kmpl for its Diesel and Petrol versions respectively.

Alto K10

Maruti Suzuki India introduced a K10-powered version of the second-generation Alto on November 3, 2014. The car is an enhanced version of the Alto 800 with unique features like chrome fitted front grille, newly swept back headlamps, and a remodeled bonnet line. The new Alto K10 delivers an ARAI-certified mileage of 24.06kmpl, which is around 15 percent better than the earlier model. The Alto K10 Facelift is available with two different transmissions; 5-speed manual and 5-speed AGS (Auto Gear Shift).

Celerio

Maruti Suzuki Celerio, a hatchback has 12 variants available in India. Maruti Suzuki Celerio has 7 Petrol cars, 4 Diesel cars, and 1 CNG car. An automatic gear shift called EZ Drive was first introduced in Celerio in India. Its Petrol engine is a Suzuki K-series smart amendment called K10B or K-NEXT. The gearbox is primarily a manual transmission with a transmission control unit (TCU) that activates the hydraulics to shift the gears. Both the variants, Diesel and Petrol, have been tested to have a mileage of 23.1 kmpl.

Why Is It Important to have Maruti Insurance?

  • Maruti insurance covers any damages/losses caused to the third party

  • Maruti insurance offers Comprehensive coverage for your own car

  • Maruti insurance provides benefits of cashless transactions through network garages

  • Maruti insurance ensures protection for your car against theft, natural calamities, fire etc.

Other Benefits of Maruti Car Insurance

  • Cashless garages across India
  • Transparent and quick claim settling process
  • Free towing facility with dealer assistance up to Rs.1500
  • Instant & easy transfer of No Claim Bonus
  • Instant policy insurance
  • With a presence across the country in more than 1500+ cities, providing hassle-free services to policyholders of maruti car insurance for both commercial vehicles and private cars
  • Offers cashless accident repairs
  • Offers good repair services at any authorized dealer workshops
  • Offers top-notch customer care services

Essentials about Insurance for your Maruti Suzuki Car

Third-party Liability Insurance:
  • Covers bodily injury and /or death of third party
  • Property damage to third party
Comprehensive Coverage
  • Third-party coverage
  • Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
  • Personal accident cover for the occupants
What coverage do you get under your Maruti Car Insurance?
  • Loss or damage caused by natural calamities
  • Total loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Personal accident cover which could include passengers also
  • Own-damage cover
  • Third-party liability cover
What does the car insurance not cover for your Maruti Suzuki car?
  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driving without a valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organised Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Protect Your Maruti Car Thoroughly with These Worthy Add-ons

Choose The Right IDV
ZERO DEPRECIATION COVER

A Zero Depreciation Cover, commonly known as Nil Depreciation Policy, covers for a full claim for plastic, rubber, glass or fiber parts.

Avail No Claim Bonus
ENGINE PROTECTION

If you live in one of those areas that are prone to heavy rainfall, this cover is a must for you. It protects you against the expenses involved in the repair of your car’s engine in case it is damaged due to submersion in water.

Install security devices
NO CLAIM BONUS PROTECTION

Your cautious driving earns you a 20%-50% No Claim Bonus on your own-damage premium for every successful claim free year. However, once you claim, your discounts will be reset to zero. The NCB Protection add-on helps you to retain your discount even if you make some smaller claims as per the policy terms.

Become AAI Member
PASSENGER COVER

The Passenger Cover protects the passengers traveling in the car financially against death or disability due to an accident. This cover starts from Rs.10,000 and can go higher depending on the insurance company, and the payout differs as per the nature and intensity of the injury.

Maruti Car Insurance Premium Calculator

Now, you can calculate your car insurance premium for all Maruti car models. It's easy to get quotes from different insurers using the Maruti car insurance premium calculator.

All you have to do is, enter your car number or Maruti make and model details. Once those details are filled, you must inform whether or not you had made any claims against your policy in the previous year. If you had not claim, you are eligible to get a discount on own damage car insurance premium as a No Claim Bonus. Moreover, based on your RTO location and car model, the Maruti car insurance premium makes suggestions which insurance company people prefer in your location who have the same car model.

You can compare insurance premiums, check optional add-on covers to get more coverage, check other discounts offered by insurance companies and do much more with the help of the Maruti car insurance premium calculator before buying.

Trim your Maruti Suzuki Premium with these Discounts

  • NO CLAIM BONUS

    You are eligible for a NCB discount on your own-damage premium for every claim-free year. It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current car and purchase a new one.

  • INSTALLATION OF SECURITY DEVICES

    If your car is fitted with ARAI approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.

  • MEMBERSHIP OF AAI

    A membership to any of the recognized Automobile Associations of India can fetch you an extra discount.

  • OCCUPATIONAL DISCOUNT

    If you are in the noble profession of teaching or employed in Govt. Services, you are entitled for an additional discount on your own-damage car insurance premium.

Maruti Car Insurance Renewal

Maruti car insurance renewal can be done online in just a few simple steps. You can renew your Maruti car insurance up to 30 days prior to your policy expiry date to ensure no break in the coverage.

Before you renew your Maruti car insurance policy online check few key points:

  • Coverage: Ensure you are getting complete coverage for your Maruti Car.
  • IDV: To get fair compensation for your Maruti car in case of total damage or theft you need to ensure IDV reflects the current market price.
  • Cashless garage network: If your local garage is your preference for repairing your car then you should ensure it is on the list of the cashless garage network.
  • Add-ons: Zero depreciation, return to invoice, engine protection, road side assistance are important add on covers which give enhanced protection for nominal extra premium
  • Discount: Ensure you renew your policy in time to retain your No Claim Bonus and check for other discounts that can be availed.
  • Deductibles: Ensure the deductible amount falls in your budget as that is the amount you will be paying from your pocket during a claim.
FAQs
Frequently Asked Questions

How will the engine's CC affect my Maruti car insurance premium?

The total volume of all the cylinders in the car's engine added together in cubic centimeters (cc) or liters. This has a direct impact on third-party premium. Driving a car that has a high engine CC will have more power and travel faster. The risk here is greater as compared to driving a vehicle with low engine CC (with less horsepower and limitation on speed). Higher the cubic capacity, higher is the risk. And if the risk is high, the insurance premium of your Maruti Suzuki car would be more.

What happens if I make a mistake in my car's variant while filling the details for Maruti car insurance online?

In such a case, you can notify your insurance company or insurance broker along with your Registration Certificate copy. The requested changes will be incorporated, and you'll be issued a letter of endorsement for the changes.

What documents are needed for my Maruti insurance renewal?

For Maruti car insurance online renewal, you will require previous year's policy document and RC copy of your Maruti Suzuki car.

What if I had provided wrong policy information for my Maruti insurance online renewal?

If at all you have provided wrong policy information for your Maruti insurance online renewal, you can contact the insurance company. You can also shoot a mail to help@coverfox.com, by requesting the endorsement changes and sending the relevant documents for verification.

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