Sign In
Our heartfelt condolences to everyone affected by the AI 171 (Ahmedabad-London Gatwick) tragedy. For urgent claim help, please Click here. Please note, our services email has changed to services@indusindinsurance.com (earlier - rgicl.services@relianceada.com) as part of the ongoing transition. Please click here to view the detailed list of updated email addresses.
Self-Help
Contact us
Ready to buy?

Call us now to secure insurance coverage.
Timing: 9:00 a.m. to 07:00 p.m. everyday.

Call +91 22 48903009(Paid)
Need quick access to services?

Chat with us on our WhatsApp number

WhatsApp us at 7400422200
Self-help corner

Find quick answers to all your insurance queries from our self-help section.

Click here
Need a call back? Click below
Call Back
Want help with your existing policy?

Call us for any help with renewals or claims.
Timing: 09:00 a.m. to 07:00 p.m. every day.

Call 022 4890 3009
I want to become an agent

Join India’s leading general insurance company.
Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.

Call 022 4890 3051
Login

Maruti Wagon R Insurance

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Car Insurance Policy Online​

Enter OTP

Sent to Edit

Resend OTP in 60 Seconds

Resend OTP Verify OTP

Our Insurance Expert will contact you to provide you further details.

OK
OOps !

​

Plan Details

​
Reviewed by  Nikita Mewadasuthar:

Nikita Mewadasuthar

Senior Manager

Insurance professional with an experience in Motor Underwrting, Motor Insurance Product & Development.
​

A popular hatchback, the Maruti Wagon R is favoured for its compact size, fuel efficiency and versatility. It is a practical and affordable choice for families seeking compact vehicles with a comfortable cabin space.

Owning such a reliable car comes with the responsibility of protecting it with equally reliable car insurance for your Maruti Wagon R. Reliance General Insurance offers comprehensive Wagon R car insurance plans tailored to your specific needs as a car owner.

The Maruti Suzuki Wagon R vehicle insurance policies cover accidents, theft and other unforeseen events, ensuring your peace of mind when on the road. Securing Maruti Wagon R insurance offers an array of benefits, such as:

100%
Claims Settlement*
11,000+
​Network Garages*
5 crore+
Happy Customers*
₹238/month
Starting premiums*
​

How to Buy Maruti Suzuki Wagon R Car Insurance - Online and Offline?

Maruti Suzuki Wagon R Car Insurance Online Buying Process

  • To purchase Wagon R car insurance online, visit the Reliance General Car insurance page.

  • Provide your Maruti Suzuki Wagon R's registration details along with your contact information.

  • You will receive a personalised insurance quote tailored to your vehicle's make and model.

  • Carefully review the quote and select any additional coverage options that match your requirements.

  • Once you have confirmed your details, proceed with the payment process for the quoted Wagon R insurance price.  

Maruti Suzuki Wagon R Car Insurance Offline Buying Process

  1. Use our Branch Locator to find the Reliance General Insurance branch in your vicinity.

  2. Ask about the Suzuki Wagon R car insurance plans offered.

  3. Complete the application form and provide the necessary documentation.

  4. Finalise your purchase by choosing your preferred payment method.

Maruti Suzuki Wagon R Car Insurance Renewal Online

  • Go to the Reliance General Insurance website and head to the “Renewal" section.

  • Select "Renew Car Insurance" from the menu options.

  • Enter your policy number along with your vehicle information.

  • Select any additional coverage options to Choose any add-ons to enhance the coverage of your Maruti Wagon R insurance renewal.

  • Review the details and quote, then pay the quoted Maruti Wagon R insurance renewal price using your preferred method.

How to Buy a Second-Hand Maruti Suzuki Wagon R Car Insurance?

You must secure car insurance, regardless of whether you buy a new or second-hand Maruti Suzuki Wagon R car. Follow these steps to secure your pre-owned vehicle with our Maruti Wagon R car insurance:

  • Begin with a vehicle inspection, as it is a pre-owned vehicle.  

  • Once the car's condition is verified, gather the necessary documents, such as forms 29 and 30, signed by the previous owner. You will also need a copy of the RC transfer, your driver's licence and some additional paperwork.

  • Next, initiate the insurance process online by visiting the Car Insurance page.

  • Fill in the required fields with your personal information and vehicle details, including registration number, make and model, etc.

  • Select the appropriate policy and any add-ons you require.

  • Finally, proceed with the payment of the Suzuki Wagon R insurance amount.

Why Do You Need Maruti Suzuki Wagon R Car Insurance?

Investing in comprehensive car insurance for your Maruti Suzuki Wagon R protects your vehicle and finances in the event of an unforeseen road incident. Maruti Suzuki Wagon R car insurance plans provide a wide range of benefits:

  • One of the primary reasons for purchasing a Maruti Suzuki Wagon R insurance is to comply with the Motor Vehicle Act. Third-party insurance is mandatory, ensuring that you avoid legal penalties and fines. This coverage protects you from liabilities arising from accidents, injuries or property damage caused to others.

  • In addition to third-party coverage, comprehensive car insurance for Maruti Suzuki Wagon R includes theft coverage. If your car is stolen this coverage provides reimbursement for its market value, preventing a significant financial loss. Moreover, it covers repair costs due to accidents, saving you from hefty expenses.

  • Natural disasters can pose a threat to your vehicle. Maruti Suzuki Wagon R car insurance policy can provide coverage for damages caused by floods, earthquakes or landslides, ensuring peace of mind in such unexpected situations.

  • Another important benefit offered by Maruti Suzuki Wagon R vehicle insurance by Reliance is personal accident coverage. It offers financial assistance for medical treatment or compensation to your family in case of serious injury or death, providing a safety net during difficult times.

  • To make the Maruti Suzuki Wagon R car insurance claim process hassle-free, we also offer a network of cashless garages. This means you can get your car repaired without paying upfront.

With Reliance General Insurance, you can choose some of the most popular Maruti Suzuki Wagon R insurance plans tailored to provide the necessary protection for your vehicle and your peace of mind.

Features and Benefits of Reliance Car Insurance for Maruti Suzuki Wagon R

Features Details
Third-Party DamagesComprehensive protection against legal and financial liabilities to third parties, covering injuries, death or property damage caused by your vehicle.
Own-Damage CoverProtects your Wagon R against damages from accidents, theft, fire, vandalism and natural or man-made disasters.
Quick Claim SurveyOne of the great benefits of Maruti Suzuki Wagon R car insurance is that once a claim is reported, you can expect a survey call within 48 hours, ensuring a prompt and efficient settlement process.
Car Insurance PremiumStarting at ₹238/Month* Reliance General offers competitive rates, making it affordable to insure your Maruti Suzuki Wagon R without compromising on coverage.
Personal Accident CoverProvides financial protection of up to ₹15 Lakhs in case of death or permanent disability of the owner-driver.
Seamless Claim ProcessEnjoy a 100%* claim settlement ratio, supported by video claims and real-time tracking, providing a transparent and streamlined claims experience.
Dedicated Customer SupportAccess 24/7 customer support for assistance with purchasing, claims and any queries related to your Maruti Suzuki Wagon R insurance.
No Claim Bonus in Car InsuranceEarn up to 50% discount on Wagon R car insurance renewal prices after maintaining a claim-free record for five years.
Buy/Renew Car Insurance OnlineBuy or renew your Suzuki Wagon R insurance policy online with ease, eliminating the need for paperwork.
Wide Range of Add-OnsChoose from over 10 add-ons like Return to Invoice and Emergency Roadside Assistance to tailor the best insurance for Maruti Suzuki Wagon R cars.  
Limit Sure CoverAdjust your premium based on how much you drive with the Pay-As-You-Drive feature.
Cashless RepairsGain access to over 11,000+ cashless garages nationwide, including complimentary transport of your Wagon R to and from the garage, ensuring a hassle-free repair process.
Discount on Car Insurance PricesSave up to 80% when purchasing car insurance online with the added convenience of comparing Wagon R car insurance plans and purchasing from home.
​

Types of Insurance for Suzuki Wagon R

Types ofInsurance of Wagon R Description
MarutiWagon R Third-Party InsuranceCovers damages to other's property or injuries caused by your vehicle. It is mandated by law under the Motor Vehicle Act.
Maruti Wagon ROwn Damage Car InsuranceProtects your Wagon R against losses from accidents, theft or natural disasters.
Maruti Wagon RComprehensive Car InsuranceCombines third-party and own-damage coverage, offering comprehensive protection.
Maruti Wagon R Zero Depreciation Car InsuranceAn add-on that provides full compensation for damaged parts without considering depreciation.
Maruti Wagon RPay-As-You-Drive Car InsuranceOffers up to 90% savings on your premiums by charging you only for the kilometres driven.
​

Maruti Suzuki Wagon R Insurance Coverage: Inclusions and Exclusions

Maruti Suzuki Wagon R Insurance Policy Inclusions

Inclusions Details
Accident and CollisionProvides reimbursement for repair or replacement expenses arising from accidents or collisions involving your Maruti Suzuki Wagon R.
Natural CalamitiesProtects against damages caused by natural calamities such as floods, earthquakes, storms and heavy rains.
Personal AccidentOffers compensation of up to ₹15 Lakhs for the owner-driver in the event of death or permanent disability due to a road accident.
Third-Party LiabilitiesOffers financial and legal coverage for claims made by third parties, ensuring you are protected against legal liabilities.
TheftCovers the loss or damage of your vehicle or its parts caused by theft with compensation based on the Insured Declared Value (IDV).
Fire and ExplosionCovers the cost of damages resulting from fire outbreaks or explosions, ensuring your vehicle is protected against unforeseen incidents.
​

Maruti Suzuki Wagon R Insurance Policy Exclusions

Exclusions Details
Pre-existing DamageAny damage that existed before the activation of the Maruti Suzuki Wagon R insurance policy is not covered.
Mechanical BreakdownAny damages resulting from mechanical or electrical breakdowns are excluded from coverage.
Illegal DrivingThe insurance of Suzuki Wagon R does not cover damages incurred while driving under illegal conditions, including without a valid licence.
Drunk DrivingAccidents that occur when the driver is under the influence of alcohol or drugs are not covered by the insurance policy.  
WarDamages caused by war, invasions or similar hostilities are excluded from the insurance of Suzuki Wagon R.
DepreciationThe reduction in the value of the car or its parts due to normal wear and tear is not covered under the standard insurance of Suzuki Wagon R unless add-ons like Nil Depreciation or Return-to-Invoice are included.

Maruti Wagon R Insurance Add-On Covers

Add-ons Details
Emergency Hotel Accommodation Reimburses the costs of hotel stays if your vehicle breaks down more than 200 kilometres from your home.
Return-to-Invoice CoverProvides compensation equivalent to your car's original purchase price in the event of total loss or theft.
Non-Electrical AccessoriesProtects against financial loss due to damage or theft of non-electrical customisations.  
Electrical AccessoriesCovers the repair or replacement of custom-installed electrical accessories like audio systems and navigation devices.
Geo ExtensionExtends your insurance coverage to additional countries beyond domestic borders, ensuring protection while travelling abroad.  
NCB Retention Cover Allows you to maintain your No Claim Bonus discounts even after making up to two claims.
Key Replacement CoverCovers the cost of replacing lost or stolen car keys, including the cost of replacing locks if necessary.
Loss of Personal BelongingsReimburses the loss of personal items stolen from your vehicle.
Nil DepreciationEnsures full reimbursement for parts replaced after an accident without accounting for depreciation.
Daily Allowance Benefit Offers a daily allowance to cover transportation costs while your vehicle is being repaired.
EMI Protection CoverCovers your car loan EMIs if repairs extend beyond 21 days.
Consumables ExpensesCovers the cost of consumables such as nuts, bolts and lubricants required after an accident.
Tyre Protection Cover Includes coverage for the repair or replacement of damaged or worn-out tyres.  
Engine Protection CoverProtects against expensive repairs or replacements for engine damage caused by water ingress, oil leakage or other issues.
24x7 Roadside AssistanceProvides round-the-clock support in case of vehicle breakdowns, including services like towing, fuel delivery and flat tyre replacements.
Total CoverCovers the full on-road price, including registration, road tax and insurance premiums, in cases of severe damage or tidal loss.
Pay-As-You-Drive Car InsuranceAdjust your insurance premium based on the distance your Maruti Wagon R is driven.
RIM Protection Offers financial coverage for the repair or replacement of your vehicle's rims.
​

Maruti Suzuki Wagon R Car Insurance Claim Process

To file a claim for your Reliance General car insurance for Maruti Wagon R, follow these steps to ensure a smooth process:

Maruti Suzuki Wagon R Insurance Claim: Cashless Claim

1. Initiate the Maruti Wagon R car insurance claim promptly and report your claim within 24 hours of the incident. You can do this by:

2. Visit an authorised network garage for cashless repairs. The garage will carry out the necessary repairs after you provide the claim form and required documents.

3. A surveyor will inspect your vehicle to assess the damage. We aim to conduct this survey within 48 hours of initiating the claim. The surveyor's evaluation will determine if your claim is approved or denied.

4. If your claim is approved, the repairs will commence at the garage. We will handle the payment directly with the garage, so you will not need to pay upfront.

*Note that we do not pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.

Maruti Suzuki Wagon R Insurance Claim: Reimbursement Claim

  1. Start your Maruti Wagon R insurance policy claim by following the outlined procedure.

  2. Collect all relevant evidence, such as photographs of the incident.

  3. Take your vehicle to a nearby garage to begin repairs for reimbursement.

  4. After the repairs are done, make sure to gather all bills, receipts and invoices from the garage.

  5. Carefully complete the claim form with detailed information about the incident.

  6. Submit all necessary documents, including the collected bills and invoices.

*Note that with reimbursement claims, you have to settle the bills with garages from your own pockets.

You can check the status of your claim online by entering your claim number/policy number.

Documents for Maruti Suzuki Wagon R Insurance Claim

Sr. No.  Documents Required
1.Forms 28, 29 and 30 signed by the insured (for admission of liability)
2.Repair bills
3.Date & time of accident
4.Name of the insured person
5.FIR (in case of claim for third-party liabilities or theft)
6.Make and model of the vehicle
7.Contact details and name of the insured person (if the person intimating the claim is not insured)
8.NOC of the financer
9.Contact number
10.Policy number
11.Copy of registration certificate
12.Location of loss
13.Extent of loss
14.Copy of driving licence
15.Garage name (with contact details)
​

Here is the detailed list of car insurance claim documents for every claim type.

Maruti Suzuki Wagon R Insurance Claim: Cashless vs Reimbursement

Parameters Maruti Suzuki Wagon R Cashless Insurance Maruti Suzuki Wagon R Insurance Reimbursement
ConvenienceCashless car insurance for Maruti Suzuki Wagon R is very convenient as there is no need for upfront payments. Reimbursement is less convenient as you manage payments and await reimbursement.
DocumentationCashless claims require minimal paperwork as we manage most of it in your stead. Reimbursement requires more detailed documentation.
Processing TimeCashless claims are typically processed faster due to direct dealings with the garage. Reimbursement takes longer as it involves verification before payout.
Bill SettlementThe cashless process is quicker and more efficient.Reimbursement involves a lengthier and more involved process.  
Claim ProcessWe handle the payment directly with the network garage. With reimbursement, you pay for the repairs upfront and we refund you later.

Maruti Suzuki Wagon R Car Insurance Premium

Several key factors influence the insurance premium for your Maruti Suzuki Wagon R. You can find the most cost-effective coverage for your vehicle by simply understanding these factors and their influence.

For example, the Wagon R 5-seater insurance price can vary depending on where it is purchased. Also, the Wagon R VXi insurance amount can differ from other variants due to its car parts and features.

Unlike other policies, premium rates for third-party car insurance are determined by the Insurance Regulatory and Development Authority of India (IRDAI) yearly, which is established based on the vehicle's engine size. Generally, vehicles with larger engines tend to incur higher premiums due to greater risks involved with their operation.

Here are some of the key factors that come into play when calculating insurance premiums:

Factors Details
LocationYour place of residence significantly impacts your insurance cost. Areas with lower traffic generally result in lower premiums, while living in metropolitan regions with high traffic and theft risks can increase your premium due to a higher likelihood of claims.
Car Model and VariantThe specific model and variant can affect the Wagon R car insurance price. Cars with larger engines or more advanced features usually come with higher premiums because the cost of repairs and replacements is greater.
Insured Declared Value (IDV)The IDV represents your car's current market value and influences both your premium and coverage. A higher IDV offers protection but also results in a higher premium. On the other hand, a lower IDV reduces the premium but also lowers the potential claim amount.
Age of the VehicleOlder vehicles typically have a lower IDV, which reduces the premium compared to new Wagon R insurance price. However, older cars may be considered at higher risk due to increased wear and tear, which could lead to a higher premium.
Coverage TypeComprehensive insurance offers extensive protection and generally costs more than basic third-party coverage. Additional coverage options or customisations could further increase the premium.
DeductiblesChoosing a higher voluntary deductible can lower your premium. However, this will result in higher out-of-pocket expenses in the event of a claim, so it is important to select a deductible that aligns with your budget.
​

How to Calculate Maruti Suzuki Wagon R Car Insurance Premium?

To get a quick estimate of your car insurance premium, you can use our free car insurance premium calculator. Follow these steps to calculate your insurance premiums:

  • Start by entering your car's details, including the registration number and your personal information, such as your email address and mobile number.

  • Indicate whether you currently have an active policy with us.

  • The tool will then generate an estimated premium for your vehicle.

  • For pre-owned cars, additional information such as fuel type, claim history and car model will be required.

Wagon R Auto Insurance: Third-Party Insurance Premium

The Insurance Regulatory and Development Authority of India (IRDAI) determines the third-party insurance premium based on your vehicle's engine capacity. The table below provides the premium rates according to engine sizes:

For Private Cars

Engine Capacity Premium for One Year
Up to 1000 cc₹2,094
Above 1000 cc up to 1500 cc₹3,416
Above 1500 cc ₹7,897

For Electric Cars

Battery Premium for One Year
Up to 30 kW₹1,780
Above 30 kW up to 65 kW₹2,904
Above 65 kW₹6,712

Maruti Suzuki Wagon R - Overview and USPs

The Maruti Wagon R is an affordable hatchback that is favoured for its compact size, fuel efficiency and practicality. This popular model has been a consistent top-seller in India due to its ability to cater to the needs of a wide range of buyers.

  • The Maruti Wagon R generates a maximum power output of 49.0 kW (66.62 PS) @ 5500 rpm and a maximum torque of 89 Nm @ 3500 rpm.

  • It offers comfortable seating for up to 5 passengers and has aesthetic dual-tone interiors.

  • The model also comes equipped with essential safety features like dual airbags for the driver and passenger, ABS with EBD for enhanced braking control, an Electronic Stability Program (ESP) for improved stability and a Speed alert system ​to promote safe driving habits.

Maruti Suzuki Wagon R - Models and Prices

Maruti Suzuki Wagon R Car Model Price in Delhi (as of August 2024)#

Wagon R Lxi

Manual | Petrol | CNG

₹5.55 lakhs - ₹6.89 lakhs

Wagon Vxi

Manual | Petrol

₹5.99 lakhs

Wagon Zxi

Manual | Petrol

₹6.28 lakhs

Wagon Vxi AGS

Automatic | Petrol

₹6.45 lakhs

Wagon Zxi +

Manual | Petrol

₹6.75 lakhs

Wagon Zxi AGS

Automatic | Petrol

₹6.73 lakhs - ₹7.30 lakhs

#These prices will vary with time, your purchase location and model variant.

Maruti Car Insurance for Which Reliance Offers Insurance (Model Names)

Sr. No.​ Car Models
1.Maruti Suzuki Omni
2.Maruti Suzuki Swift Dzire
3.Maruti Suzuki Baleno
4.Maruti Suzuki Ignis
5.Maruti Suzuki Swift
6.Maruti Celerio
7.Maruti WagonR
8.Maruti Ciaz
9.Maruti Suzuki Alto
10.Maruti Suzuki S-Cross
11.Maruti Suzuki Eeco
12.Maruti Suzuki Ritz
​

Relevant Links for Car Insurance

Car Insurance | Pay As You Drive Insurance | Third Party Insurance | Comprehensive Insurance| Long Term Car Insurance | Own Damage Insurance| ​ First Party Car Insurance

Car Insurance for Top Car Brands

Tata Car Insurance | Maruti Car Insurance | Hyundai Car Insurance | Mahindra Car Insurance | Toyota Car Insurance | Kia Car Insurance | Ford Car Insurance | Skoda Car Insurance

Car Insurance for Top Car Models​

Eeco Car Insurance | Scorpio Insurance Price | Swift Insurance Price | Innova Crysta Insurance Price | Wagon R Insurance Price | Ertiga Insurance Price | Baleno Insurance Price | Swift Dzire Insurance Price | Creta Insurance | Tata Nexon Insurance Cost

Car Insurance for Top Destinations

Car Insurance in Delhi | Car Insurance in Bangalore | Car Insurance in Kerala | Car Insurance in Mumbai | Car Insurance in Chennai | Car Insurance in Hyderabad | Car Insurance in Pune | Car Insurance in Ahmedabad | Car Insurance in Gurgaon | Car Insurance in Kolkata

​​

Frequently Asked Questions​

  • What does Maruti Suzuki's insurance cover?

    Reliance General Insurance offers comprehensive insurance for Maruti Suzuki, which covers aspects like accident and collision, natural calamities, personal accident, third-party liabilities, theft and fire and explosion.  

  • What factors affect Maruti Suzuki Wagon R insurance premiums?

    Maruti Suzuki Wagon R insurance premiums are influenced by factors like the car's make and model, claims history, location of the policyholder and so on.​

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd. Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12). Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.

​
Home > Motor Insurance > Car Insurance > Maruti Suzuki WagonR Car Insurance
We Can Call You !
  • Generate OTP

    Resend OTP in 60 Seconds

    Resend OTP
  • Call Now

Thanks for the information. Our Customer Care will get back to you.

OK