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Maruti cars fit right into everyday Indian life. Whether it is weaving through the narrow market lanes in an Alto, cruising on long highway trips in a Grand Vitara or a weekend family trip on an Ertiga, Maruti cars speak emotions. The company builds cars that offer unmatched comfort, excellent mileage and dependability.
But even the most reliable ride can face surprises on the road. A scratch while parking in a packed Delhi gully, a bumper hit in Pune traffic, or water damage in Mumbai monsoon can dishearten you, as repairs could be costly. And that's exactly where the right car insurance plan helps.
Reliance Maruti Car Insurance covers both third-party liabilities and damage to your car. Add-ons like nil depreciation, engine protector and roadside assistance offer extended coverage. And with our digital-first approach, you can buy or renew policies through the Reliance Self-i app in minutes.
You can keep digital papers handy on your phone, and drive on knowing your Maruti is financially shielded wherever the road leads, giving you worry-free kilometre after kilometre every day.
Choose Reliance General Insurance for your Maruti and enjoy handy add-ons, a quick claims process, 24×7 support, and an extensive cashless-garage network.
10+ Add-On Covers*
Pick & choose from multiple add-on covers
Up to 3 Years Coverage*
Avail of long-term & short-term coverages
Video Claims Feature*
File claims instantly with the Reliance Self-i App
24/7 Customer Assistance*
Get support anytime, anywhere in India
Legal Mandate
Car insurance isn't optional in India; it's the law. If you take your Alto K10 or Brezza out without at least basic third-party cover, traffic cops can fine you with ₹2,000 for a first offence and ₹4,000 for the next, or even jail you for up to three months under Section 196 of the Motor Vehicles Act, 2019. So, insuring your Maruti isn't just smart; it keeps you legal.
High Quality Repairs
Light, fuel-efficient Maruti hatchbacks are built for our crowded streets, yet repeated jolts from potholes or speed-breakers can bend alloy wheels or knock the suspension out of alignment. One bad hit can also crack the sump on a low-slung Swift. A comprehensive car policy settles the workshop bill, so those sudden repair expenses don't lessen your monthly budget.
Covers Car Theft
Maruti cars get stolen more for their easy resale. Delhi-NCR data show nearly 47% of stolen vehicles are Maruti, such as the Wagon R, Swift, and Dzire. Suppose your brand-new Invicto, worth over ₹29 lakh*, disappears overnight, we pay you the insured declared value. Add our Return-to-Invoice cover and we'll reimburse the original showroom price, along with registration and road tax, helping you replace your ride easily.
Covers Natural Disasters
Monsoon flooding can stall even the tall Ertiga if water reaches the air intake. With an Reliance comprehensive car plan, damages from rain, floods, lightning, or landslides are covered, and the optional Engine Protect add-on pays for engine parts if the flood water causes a hydrostatic lock. When streets turn into streams, you are not left worrying about a massive garage invoice in the middle of monsoon chaos.
Covers Fire and Fire-Related Damage
Fuel leaks, aftermarket wiring, or even an overheated lithium-ion pack can spark a fire - a rare but devastating occurrence. Thankfully, our car insurance policy covers total or partial loss from fire, explosion, or self-ignition. If you're planning to buy the upcoming eVX EV model, we also offer specialised EV add-ons for the battery, motor, and on-board charger, so that you can embrace new tech without fear of unexpected repair bills.
Network Garages and Spare Parts
One reason people love Maruti is the ready availability of genuine spares almost everywhere. We reinforce that convenience with more than 11,000 cashless partner garages* across India. Drop your Celerio at any of our workshops, and repairs start immediately without upfront payment. Since we source OEM parts, you don't have to worry about counterfeit components shortening your car's life.
Note: The values present within this section have been taken from multiple sources across the web. The car price was taken from this source.
Comprehensive Car Insurance
Get all-round protection for your Maruti. This plan covers any harm your car causes to others, as well as repairs to your own Maruti vehicle. A minor bump or a bigger scrape, both bills are sorted here. Plus, you can mix in 10-plus handy add-ons* (and even EV-specific add-ons for future Maruti electrics) to tailor the cover to your lifestyle.
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Pay As You Drive Car Insurance
Do you drive mainly on weekends or share a family fleet? Choose a yearly kilometre slab, from 2,500 km up to 10,500 km*, with 125 km* extra just in case. Unused kilometres roll over, and you can top up anytime. Perfect for Maruti owners who work from home, rely on public transport, or keep more than one car at their disposal.
Third-Party Car Insurance
This is the must-have, government-mandated cover that keeps you legal on Indian roads. It's our most budget-friendly option, covering any damage or injury your Maruti might cause to someone else. New-car owners can lock in one-, two-, or three-year terms* in a single payment and skip annual renewals.
Own Damage Car Insurance
If you already have a third-party cover, add this plan to protect just your Maruti. Choose short-term* protection, such as just through the monsoon season, or enjoy worry-free coverage for a whole year. Whichever coverage you choose, repairs for accidental damage, fire, theft or weather events are taken care of.
Reliance General Insurance offers Maruti car insurance cover that matches your drive, whether you are in crowded city streets, village roads, or cruising on the highway.
Note: Please refer to the official policy documents for detailed information.
Note: Please refer to the official policy documents for detailed inclusions and exclusions.
A standard policy is a great start, but your Maruti often sees more than easy city drives. It squeezes into tight parking spots, braves pothole-ridden stretches and tackles monsoon water-logging. To handle those extra bumps, scrapes and surprises, we let you pick from a range of add-ons that fine-tune your Maruti insurance for stronger, more personalised protection:
Nil Depreciation
Avoid the deduction on plastic, rubber and fibre parts, so every bumper, mirror cap, or interior trim on your Swift or Baleno is reimbursed at 100% of cost*.
Pay As You Drive
Pick an annual kilometre slab (2,500 - 10,500 km*) and pay a lower premium for occasional car use. Unused kilometres roll over, and you can top up anytime.
Return to Invoice
If your Dzire is stolen or is totalled, we refund the full invoice value, including taxes and registration, so you can replace it with a brand-new model without dipping into savings.
Engine & Gearbox Protection
Covers repairs to your Maruti's compact petrol or CNG engine and gearbox if water, oil leaks, or impact damage cause internal failure.
Car Tyre Protection Cover
Pays for repair or replacement when a pothole bursts an Alto K10 tyre or a sharp object slices the sidewall on your Fronx's low-profile rubber.
Key & Lock Replacement
Lost your smart key or jammed the lock? We reimburse the cost of a new key fob, reprogramming, and lock set on any Maruti, from Wagon R to XL6.
Consumable Expenses
Oils, nuts, bolts, and brake fluid can add up and lead to a higher workshop bill. This add-on covers those consumables during an insured repair.
RIM Protection
Kerbed your Baleno's alloys or bent a steel rim on a rough patch? We cover the cost of repairing or replacing damaged wheels with this add-on.
Roadside Assistance
One tap on the Reliance Self-i app brings towing, battery jump-starts, tyre change, or fuel delivery, 24×7, anywhere in India.
Personal Belongings
Covers loss of valuables (over ₹5,000*) like laptops, tablets, or cameras stolen from your locked Maruti. This is ideal for commuters and road-trippers.
Daily Allowance Benefit
If authorised repairs take more than three days*, we pay a daily allowance so you can book cabs, auto-rickshaws, or a self-drive rental.
EMI Protection Cover
When repairs stretch past 21, 42, or 63 days*, we step in to cover your monthly car-loan EMIs, easing the financial strain.
No Claim Bonus (NCB) Retention Cover
Make one small claim* in a policy year without losing your hard-earned NCB discount at renewal.
Electrical Accessories Cover
Protect aftermarket electrical gear, touch-screen infotainment, reverse cameras, or dashcams that didn't come factory-fitted.
Non-Electrical Accessories Cover
This particular add-on covers custom seat covers, bumper guards, roof rails, or chrome trims if they're damaged or stolen.
Geo Extension Cover
Extends protection when you drive your Maruti into neighbouring countries like Nepal, Bhutan, or Sri Lanka. This one is perfect for cross-border road trips.
Several factors influence the cost of insuring your Maruti, including the model you drive, its current value and the type of policy and add-ons you choose. Knowing these factors helps you balance premium cost with the protection you really need.
IDV (Insured Declared Value) is simply the current market price of your Swift, Dzire, or any other Maruti. A higher IDV slightly increases the premium but promises a larger payout if the car is stolen or written off. You can tweak this value while buying or renewing to balance cost and protection.
Premiums vary by model, fuel type, and engine size. A Grand Vitara with a 1.5-litre petrol/hybrid unit costs more to insure than an Alto K10, because repairs and parts are pricier. Extra fittings, such as spoilers or alloy upgrades, also increase the rate since they add to the replacement cost.
Third-party plans are the legal minimum and cheapest, but they cover only damage you cause to others. Comprehensive policies cost more, yet shield your own Maruti from accidents, theft, fire, and floods. Add-ons lift the price slightly but offer broader peace of mind.
Nil-Dep, Engine Protect, Tyre Cover, and similar extras increase the premium by a small margin but save significantly at claim time. Choosing the add-ons most relevant to your driving, say, Tyre Cover for pothole-ridden routes, lets you customise protection where you feel the pinch most.
A claim-free year earns you a No-Claim Bonus discount, trimming next year's premium. Multiple claims, on the other hand, signal higher risk and push the price up. Driving carefully and claiming only when necessary helps keep your premium low and your NCB growing.
Fit an IRDAI-approved steering lock or car alarm, and insurers may reward you with a lower premium because the risk of theft drops. It's a one-time spend that offers lasting savings, especially handy if you often park your Wagon R or Baleno on busy streets.
Want to know the cost before you buy? Use our online car insurance premium calculator to check the estimated premium for your Maruti. Simply enter details like the car's age, model, IDV, and coverage type, and see in seconds how each factor affects the price. This way, you can choose a plan that fits both your budget and your needs.
Step 1
Scroll Up
Go to the car insurance premium calculator at the top of this page.
Step 2
Enter Your Details
Enter details such as the car's registration number.
Step 3
Check the Premium
Instantly receive the premium price on your screen.
Step 1: Inform Us
To register your claim, get in touch with us within 24 hours of the incident. You can use the Reliance Self-i App to do this.
Step 2: Claim Verification
We will send a surveyor to the network garage, where you will take your damaged car for claim verification.
Step 3: Self-Inspection
The Reliance Self-i App allows you to self-verify car damages through a live video survey and picture submission.
Step 4: Claim Approval
Once you've submitted all relevant documents related to the claim, our team will verify them within 7 days.
Step 5: Bill Settlement
Once your claim is approved, we'll make the payment directly to the network garage. You will only have to pay any mandatory deductibles.
Step 1: Initiate the Claim
If you wish to claim for damage, theft, or total loss of your Maruti car, inform us within 24 hours of the mishap.
Step 2: Visit a Garage
Take your car to any garage of your choice and pay for the damages upfront. But keep all bills intact.
Step 3: Register the Claim
Download and complete the claim form, then register your claim on our website along with other required documents.
Step 4: Upload Documents
Upload the following documents: RC, insurance policy, DL, FIR (if needed), and repair estimates.
Step 5: Money Transfer
Once your claim is approved, we'll transfer the claim amount directly to your bank account.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
If you are planning to buy a Maruti car, you'll be spoilt for choice! From hatchbacks to SUVs, there are ample options to choose from. And if you are not sure about the price ranges, here is a quick table at a glance:
Note: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase, and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
From the daily office commute to weekend getaways, your Maruti is part of countless journeys. Built for comfort, mileage, and reliability, it still faces everyday risks, such as dents from tight parking spots, water damage in monsoon traffic, or repairs after unexpected collisions.
Reliance Maruti Car Insurance helps you handle these moments without worry. Starting at ₹238/month*, it offers wide-ranging protection, covering accidental damage, theft, and natural events like floods, storms, or earthquakes. Third-party liability cover also keeps you compliant with traffic laws and protects you from legal or financial setbacks.
With 11,000+ cashless garages* nationwide, repairs are quick, and you don't have to pay upfront! We settle the bill directly with the workshop. Backed by 24/7 customer assistance and a seamless digital process with the Reliance Self-i App, it's a plan designed to keep your Maruti safe and your journeys stress-free. Get insured today and drive on with complete confidence.
The Maruti Dzire has consistently been one of the top-selling cars in India, with over 20,000 units sold in July 2025. Other popular models include the Swift, Wagon R, and Baleno.
Yes. Maruti cars are well-known for mileage, with models like the Celerio delivering up to 26 km/l* and CNG variants like the Alto K10 offering even more fuel savings.
Yes. Maruti has the widest CNG portfolio in India, with factory-fitted CNG options across popular models like the Swift, Baleno, Wagon R, and Ertiga.
Absolutely. Maruti has over 5,500 authorised service touchpoints across India, ensuring genuine spare parts are easily accessible, even in smaller towns.
Yes. Maruti plans to launch its first electric SUV in September 2025, the e-Vitara, which is expected to offer over 500 km of range on a single charge.
Yes. Your no claim bonus is linked to you, not the car, so you can transfer it to a new vehicle's policy and enjoy premium discounts.
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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. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 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. Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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