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Gaurav Shrimankar
Deputy Vice President
Insurnace Professional having extensive experience in Motor Core Underwriting, Underwriting IT & Pricing.
For most first-time car owners, the Maruti Suzuki car is the ideal car to purchase. Its compact size, fuel efficiency and easy maintenance, coupled with an affordable price tag, make it the undeniable winner.
And while the car offers so much value, you, as its owner, can uphold it by purchasing a good car insurance plan from Reliance General Insurance.
With your Maruti car insurance policy, you can stay financially prepared to tackle unprecedented losses and damages affecting your automobile. Your insurance provider covers the costs of losses and safeguards you from third-party legal and financial liabilities. Plus, you can enjoy innumerable benefits.
It is compulsory to get a minimum coverage of at least third-party liability under the Motor Insurance Act of 1988. Driving without a valid car insurance plan attracts a fine of ₹2,000 and/or imprisonment of up to three months, or both, under India's road safety laws.
If your car causes damages to a third party and their vehicle/property, you incur significant costs. Such costs can leave a significant dent in your savings. With automobile insurance, you can avoid the hefty financial burden and save your money.
The main purpose of getting your Maruti car insured is to financially prepare yourself for unexpected events, as you can never predict the extent of losses or damages. In such cases, having a car insurance policy helps in financing the replacement.
With a wide network of 11,000+ cashless garages, you never have to worry about clearing the garage bills. In case of accidents, you can take your car to a nearby cashless garage within our extensive network.
The Optical Character Recognition (OCR) powered Reliance Self-i app makes buying, renewing and the claim-filing process simpler than ever. You can provide your details and scan your documents on the app and Reliance website to process your buying, Maruti insurance renewal or claim request within minutes.
You can get the best offers on the Maruti insurance price from Reliance General Maruti Insurance. You can reduce your costs further by utilising the NCB Benefits.
Plus, you can also enjoy discounts on your insurance premium by installing anti-theft systems, becoming a member of the Automobile Association of India (AAI) and choosing a higher voluntary deductible, among other things.
Reliance General Insurance ensures you have a hassle-free claim-filing experience. Whether you want to file a cashless claim or choose the reimbursement model, you can use the Reliance Self-i app to upload a self-inspection video.
Reliance General Insurance provides extensive coverage options to customise your Maruti Suzuki car insurance policy. You can opt for a comprehensive insurance plan and select optional add-on riders.
Third-party car insurance is a mandatory legal requirement for every vehicle owner in India. It covers the losses and damages incurred to a third party or their property by an insured car. It helps you compensate the victim of the accident and pay for the resulting legal expenses.
Only covers third-party damages.
Mandatory for every car owner.
Low premiums.
As the name suggests, it offers extensive coverage for third-party liabilities and personal accidents suffered by the insured vehicle. It covers damages and financial losses resulting from natural disasters and man-made disasters such as strikes, riots, vandalism, theft, fire and explosions.
Covers own damage and third-party liabilities.
Covers natural and man-made disasters.
Covers theft.
High scope of customisation using add-ons.
A standalone, own-damage car insurance cover safeguards you against potential losses and damages to your insured vehicle. Since it does not cover your third-party liabilities, you need to purchase a suitable third-party car insurance policy separately.
Only covers own damage to the insured vehicle.
Does not offer third-party coverage.
It can be customised using add-ons.
Also known as bumper-to-bumper or nil depreciation car insurance, this type of insurance covers the complete cost of repair and replacement without considering the depreciation value of the insured vehicle.
Covers the entire repair/replacement cost.
Recommend for new car owners.
Extensive protection.
It is a usage-based Maruti car insurance plan that lets you save on premiums based on the number of kilometres driven by your car. Pay-as-you-drive is an ideal car insurance cover for those who drive their vehicle occasionally and offers savings of up to 90%*.
Usage-based insurance premiums.
Cost-effective.
Recommended for occasional drivers.
Step 1: Visit our Car Insurance page.
Step 2: Enter specific details such as your Maruti car's registration number, your email address and mobile number. Now, click on “View Prices".
Step 3: Select your desired add-ons and click on “Buy Now" to buy Maruti insurance online.
Step 4: Go through the premium details and click “Next".
Step 5: Make your Maruti car insurance premium payment to confirm your purchase.
Once done, a digital copy of your Maruti car insurance will be delivered to your email address.
Step 1: Visit the nearest Reliance General Insurance branch. To locate our nearby office, use our Branch Locator tool.
Step 2: Learn about different types of Maruti Suzuki car insurance plans and choose a suitable policy based on your requirements.
Step 3: Fill out the form with all the necessary vehicle information. You must also provide your personal details to complete the purchase.
Step 4: Submit the form along with the required documents.
Step 5: Make the premium payment to buy Maruti car insurance offline.
To renew Maruti Suzuki insurance, go to Reliance General Insurance's website and then select "Renewal" -> "Motor Insurance" -> "Renew Car Insurance".
Once done, you can enter your policy number or registered mobile number and click on the 'Renew My Policy' option. On the next page, you can submit details like your name, email, policy expiry, previous claim details, etc.
After providing the relevant information, you will receive a summary of your policy. Take your time to review the details and modify your choices if necessary.
Once you are satisfied with the terms, you can complete the Maruti Suzuki car renewal process. If the premium amount is correct as per the coverage terms, click on the 'Pay' tab to make an online premium payment.
After processing your payment, the insurance company will send a digital or electronic copy of your renewed car insurance policy document to your email.
Begin with assessing the condition of your second-hand Maruti car. Check the current market price and driving history of the previous owner. Also, check the insurance history of the vehicle to learn about the number and nature of claims raised for it.
To make your policy purchase experience swift and hassle-free, collect all the required documents. These include vehicle transfer papers, previous policy details, driving licence and others.
Select the right Maruti Suzuki insurance plan based on your risks and requirements. You can choose from various options, such as comprehensive car insurance, third-party insurance, pay-as-you-drive insurance, standalone own-damage insurance and so on.
Once you have decided on the right type of Maruti Suzuki insurance policy, compare multiple plans provided by your insurance company to select the one that best suits your requirements and budget.
Maruti car insurance add-ons can provide you with dedicated coverage for your insurance needs. So, choose from a variety of add-ons according to your unique requirements.
Visit our Car Insurance page and purchase the selected car insurance policy by following the instructions.
Third-party liabilities
Accidental damage affecting owner-driver
Damages or loss due to natural calamities
Damage due to human-made incidents
Theft of the insured car
Damages incurred during transit
Regular wear & tear
Damages due to irresponsible driving
Nuclear or war-related damages
Damages incurred during undesignated vehicle usage
Accidental impact due to driver negligence
Usage of vehicles beyond geographical limits
Note: Check Policy Wordings for a complete list of inclusions and exclusions.
Intimate your claim by informing our claims department within 24 hours of suffering the covered loss/damage. You can do so by calling our toll-free number or sending an email to the given address.
Gather evidence in the form of eyewitness accounts, videos of the accident site, third-party vehicles involved in the accident, etc.
File a First Information Report (FIR) at your nearest police station and obtain its copy.
You can take your vehicle to your preferred garage and have it repaired. At this time, you must pay the repair costs from your pocket.
You can now raise your claim by filling out the claim form and submitting the necessary documents, such as the original invoices and copies of your insurance policy and driver's licence.
We will now evaluate your claim. Upon successfully verifying your claim and based on your insurance coverage, we will compensate you and the third party as per the policy's terms.
Gather evidence, such as eyewitness accounts and third parties involved in the accident, and upload it to the Reliance Self-i app.
File an FIR and obtain a copy to submit with your insurance documents.
Take your vehicle for repairs to the nearest cashless garage in our network.
Our network garage partners will repair your vehicle. During this time, you must fill out the claim form and submit the necessary documents so we can approve the claim.
Once your vehicle is repaired, you can collect it from the garage. Reliance General Insurance settles the bill with the garage.
Duly filled and signed Motor Claims Form.
Copy of your Maruti car insurance.
Copy of your driving licence.
Copy of your car's registration certificate (RC).
Copy of FIR (in case of third-party liabilities and accidents)
Copy of acknowledgement letter from RTO for theft.
The type, model and variant of your Maruti vehicle is the first thing that impacts the premium cost. Note that the insurance premiums price for high-end/luxury models are higher as compared to the base models or economy cars.
Your Maruti car insurance premiums can either go higher and lower with your car's IDV. While higher IDV leads to higher premiums, it ensures a higher claim limit. Hence, ensure the accurate IDV of your four-wheeler.
The location where you intend to use your car can also impact its premium cost. In general, areas that are prone to natural calamities or have higher theft rates and traffic problems receive higher premiums.
Different types of car insurance policies are priced differently due to the coverage and features. For example: comprehensive car insurance plans have slightly higher premiums due to extensive coverage and benefits they offer.
Generally, old and second-hand cars receive lower premiums as compared to brand new vehicles. This is because of higher risk and repair/replacement costs associated with new vehicles.
Go to a car insurance premium calculator.
Enter vehicle details such as brand, model, year of registration, location, etc. and click “Get Quote" to learn about premium options.
For second-hand cars, enter details of your car's previous insurance details, such as NCB discounts, type of claim, expiry date, etc.
Click “View Prices" to retrieve premium details.
Note that IRDAI sets the premium cost of third-party car insurance based on the type and engine capacity of the vehicle. Below are the premium rates for different categories of motor vehicles:
Higher fuel efficiency is among the most sought-after features of Maruti Suzuki cars. It contributes to the overall affordability of the vehicle, making it ideal for Indian families.
Maruti Suzuki cars feature practical designs that make them easy to drive and manoeuvre even in congested urban settings. They are known to offer a smooth and safe driving experience.
Competitive pricing is what made Maruti Suzuki the top car brand in the country. With prices starting from around just ₹3 lakhs, Maruti cars are within the reach of car enthusiasts with low budgets.
Another highlight of Maruti Suzuki cars in India is their impressive resale value. As compared to its competitors, this automobile giant boasts a higher resale value.
Maruti Suzuki has an extensive network of service centres and dealerships where customers can get their vehicle-related issues resolved quickly and efficiently.
Note: Prices of given Maruti cars can vary based on location, model and current market scenarios. Get in touch with your local car dealership for accurate information.
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A comprehensive car insurance policy is the best option for Maruti cars because it provides complete financial protection against unforeseen accidents. It covers a wide range of events, such as natural disasters, third-party losses, man-made disasters, theft, fire and more.
You can find the most affordable car insurance for Maruti cars at Reliance General Insurance. We offer low premiums rates starting from ₹238* per month. You can also check out our usage-based Pay-As-You-Drive car insurance plans.
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.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.
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