Maruti Suzuki Baleno Car Insurance

Name: Maruti Suzuki Baleno Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The Maruti Suzuki Baleno is a 5-seater hatchback known for its cutting-edge technologies and spaciousness. This car includes a petrol engine, an optional CNG variant, and offers both automatic and manual transmission options. Additionally, you can explore its SmartPlay touchscreen and rely on the car’s six airbags and ESP for enhanced security.

Although the Baleno is a dependable model with 4 stars in the Bharat NCAP Crash Test, it is recommended to opt for complete protection against accident damage. That is where we, IndusInd General Insurance, come in!

Suppose, just a moment of distraction or a sudden brake failure causes a collision while driving. With car insurance, you can opt for cashless repairs, saving significant out-of-pocket expenses.

Car insurance is also compulsory for driving legally on Indian roads. Therefore, you need to get an idea of the Baleno insurance price for at least a third-party coverage policy. You can quickly check the prices by installing and logging into our IndusInd Insurance app. Next, you can compare the prices of different policy types here, all in one place. Keeping the app on your phone ensures you always have your car insurance documents with you.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Baleno insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why Do You Need Baleno Insurance?

Legal Mandate

As per the Motor Vehicles Act, you must have at least third-party car insurance to drive legally. This policy will cover you against any legal and financial claims in case you cause any damages or harm to others in the process of driving your insured Baleno. Driving without valid insurance will attract a fine of ₹2,000 - ₹4,000 from the police and, in some cases, may lead to imprisonment.

Covers Emergency Repairs

The Maruti Suzuki Baleno has a 1.2-litre Dualjet petrol engine with Mild Hybrid Technology, which provides it with an excellent mileage of 23.87 Kmpl. However, the slightest collisions can impact the car’s wheel rims or compromise engine performance, resulting in poor fuel economy. So, if you drive on rough roads quite frequently, then you should consider having standard four-wheeler insurance to cover expensive repairs.

Protects Against Theft

A report published in March 2024 states that Maruti Suzuki cars represent 47% of the stolen vehicles across India. Baleno’s base model is priced at approximately ₹5.99 lakh*, while the top-tier Alpha AMT variant can go up to ₹9.10 lakh*, making car insurance a necessity, since you are reimbursed your IDV amount if your car is ever stolen. Without it, there would be no way to recover lost funds in the event of a car theft.

Covers Natural Disasters

The Baleno is well-suited for city driving, but its low ground clearance makes it vulnerable during natural disasters like floods. If heavy rainfall causes waterlogging, your car's underbody components may get damaged due to water seepage. With comprehensive insurance, flood-related damages are covered. For added protection, you can get our Engine Protection add-on, which covers the engine from all types of damage.

Covers Fire and Fire-Related Damage

Fire damage is a major concern, especially if you stay in a region where forest fires or lightning strikes are common. Although these occurrences are rare, they may lead to irreparable damage to your Baleno or necessitate high repair expenses. In such a scenario, if you have a standard car insurance plan, it can cover all the replacement costs, reducing your out-of-pocket expenses.

Network Garages and Spare Parts

Finding a Maruti Suzuki car’s parts is not very difficult. However, it is not always possible to determine how your chosen garage sources these components during a repair. If they rely on counterfeit parts, it can degrade your car’s performance and safety more quickly, leading to more frequent visits to the garage. With us, you get quick access to over 11,000 garages* nationwide that strictly use original parts every time.

Disclaimer: The values present within this section have been taken from multiple sources across the web. The car price was taken from this source.

Types of Maruti Suzuki Baleno Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance offers all-around protection in terms of coverage. It pays for the damage your car causes to someone else and also reimburses your Baleno’s repair costs. For instance, a road accident can result in extensive damage to both vehicles. Our comprehensive Maruti Suzuki Baleno insurance will cover these costs and allow you to opt for cashless repairs at any of our network garages.

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Pay As You Drive Car Insurance

By opting for pay-as-you-drive insurance, you can reduce the Own Damage premium of your car insurance, as it is calculated according to the number of kilometres driven during the policy term. With us, you can choose an annual limit between 2,500 and 10,500 km*, with an extra grace buffer of 125 km*. You may also recharge your plan whenever needed, giving you greater flexibility.

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Third Party Car Insurance

The third-party Baleno insurance price is the cheapest among all other types. It covers damages caused to third-party vehicles, property, or bodily injuries resulting from an accident. To simplify the process and ensure ongoing protection, we offer a 3-year long-term third-party insurance plan for new Baleno owners. If you select this plan, you only need to pay once to stay protected for five years.

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Own Damage Car Insurance

It works as a standalone car insurance policy that you may combine with your already existing third-party coverage plan. After opting for this, you will be covered for damages due to accidents, natural disasters, fires, etc. This plan is flexible, allowing you to choose an own damage cover for a minimum of 1 month up to a year*. This enables you to adjust the premium according to your needs.

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Key Features

Key Features of IndusInd Maruti Suzuki Baleno Insurance

Key Features

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

IndusInd Maruti Suzuki Baleno Car Insurance: Inclusions & Exclusions

Model Car

What is Covered?

Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.

Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.

Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.

Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.

Model Car

What is not Covered?

Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage to your Maruti Suzuki Baleno except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

Disclaimer: Please refer to the official policy documents for detailed information.

Buy your Maruti Suzuki Baleno car insurance from IndusInd today!

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Maruti Suzuki Insurance Add-On Covers

In addition to the standard car insurance, you can choose from more than 15 optional add-ons* to customise your coverage. These add-ons must be carefully selected to maximise your protection while not exceeding the budget.

Nil Depreciation

You receive complete reimbursement for repair costs, with no deductions for depreciation. It covers up to two claims in a year and is ideal for those who want extra protection from unexpected repair costs.

Pay As You Drive

By adding this, you can choose your coverage based on your driving needs. It helps to cut down insurance costs and guarantees complete protection whenever you are on the road. Options range from 2,500 to 10,500 km* annually.

Return to Invoice

The RTI add-on helps you recover the full invoice value of your Maruti Suzuki Baleno in the event of theft or total loss due to an accident. So, you can replace your vehicle easily without paying a significant amount.

Engine Protection

If your Baleno’s engine is damaged by oil leaks, malfunction, etc., this add-on covers the repair or replacement costs. Thus, it is usually a good idea to have this add-on, especially if you live in a flood-prone area.

Tyre Protection

You can protect your Baleno’s tyres from damage like cuts, bulges, or bursts with this add-on, which provides financial coverage against road hazards. It is ideal for drivers who frequently drive through uneven roads or drive long distances.

Key & Lock Replacement

This optional cover handles key replacement if they are lost, stolen, or damaged. It also reimburses the reprogramming costs of a smart key, ensuring that your vehicle's security system functions properly at no extra cost.

Consumable Expenses

Consumables like nuts, bolts, brake fluids, and similar supplies used during car repairs typically account for 5-10% of the overall repair costs. So, if you regularly drive your Baleno, this add-on can prove to be crucial.

Rim Protection

Designed to protect your Baleno’s wheel rims from damage caused by accidents and poor road surfaces, this add-on is useful for owners driving rough terrains, living in high-traffic areas, or seeking extra security.

24/7 Roadside Assistance

It provides prompt assistance during breakdowns, flat tyres, dead batteries, or fuel shortages. Therefore, it is especially helpful for long-distance commuters or drivers in areas with limited car service facilities.

Loss of Personal Belongings

If you often carry work gear like bags, phone, laptop, etc., in your vehicle, this add-on can prove to be valuable. It gives you compensation worth ₹5,000+* if any personal item is stolen from inside your locked car.

Daily Allowance Benefit

Suppose you are involved in an unfortunate road accident, and the repairs take more than three days. In that case, this add-on will provide you with a fixed daily allowance to support alternative travel arrangements.

EMI Protection Cover

If you have purchased your Maruti Suzuki Baleno on EMI, consider opting for this optional add-on, as it will cover upcoming EMIs for up to three months if repairs take longer than 21, 42, or 63 days.*

No Claim Bonus Retention

With this feature, you can preserve your policy’s NCB benefits even after submitting up to two claims in one policy year*. So, it assists you in saving on your upcoming car insurance premiums.

Electrical Accessories Cover

This add-on primarily secures aftermarket electrical components, including your Baleno’s audio systems, parking sensors, GPS, rear-view cameras, etc. These accessories are not a part of standard car insurance.

Non-Electrical Accessories Cover

Gives you a financial safety net against theft or accidental damage to your custom car features like bumper guards, seat covers, decorative trims, and many more.

How to Buy

How to Buy/Renew Maruti Suzuki Baleno Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Maruti Suzuki Baleno Car Insurance Premium

Multiple factors, including the coverage type, vehicle's age, and registration location, collectively affect your Baleno insurance premium. Below are some of these parameters that help you reduce the cost of your insurance ownership.

Baleno’s IDV

IDV represents your Maruti Suzuki Baleno’s current market value. When opting for car insurance, you can modify the IDV according to your coverage requirements. Choosing a higher IDV may result in a slightly higher premium, but it can maximise your financial protection in case of an accident or theft.

Type of Coverage

Whether you buy a third-party liability insurance policy or comprehensive coverage, it affects the premium amount. For example, third-party insurance is the cheapest because it barely covers your legal liabilities toward others in an accident. Conversely, comprehensive plans cost more as they cover your personal vehicle against damage or loss.

Add-On Covers

Enhancing your Baleno insurance with add-ons can be increasingly valuable. They provide coverage for specific components that standard policies usually omit. Some key add-ons are nil depreciation, engine protection, return-to-invoice, etc. But remember that each optional add-on can raise your premium. So it is important to choose them wisely to maintain a balance between coverage and cost.

Car’s Make and Model

The higher-end variants of the Maruti Suzuki Baleno will attract higher insurance premiums, as they feature specialised safety features, more powerful engines, and may result in more repair costs. In addition, car insurance companies analyse claim data for various models to finalise their insurance premiums.

Claim History

By not making any claims over the past year, you can be eligible for a No Claim Bonus and enjoy a lower premium. Similarly, if you had submitted claims frequently in the past, your Maruti insurance premium may rise.

Installing Anti-Theft Devices

With IRDAI-approved anti-theft devices installed, your Baleno is better protected from theft attempts. This lowered risk for insurers can translate into reduced insurance premiums for you.

Maruti Suzuki Baleno Key USPs

The Maruti Suzuki Baleno outshines many other hatchbacks with its aerodynamic and sleek design. However, it has a relatively low ground clearance, making it susceptible to underbody scraping or even extensive damage when driving on roads with potholes. Even a minor collision with a bumper can result in costly repairs. That is why it is advisable to get an appropriate Baleno insurance online. It will ensure that all accidental damages are covered.

With its 1.2-litre petrol engine, the Baleno offers a smooth, efficient drive and fuel economy up to 22 km per litre*. However, if you need to drive through waterlogged streets due to flooding, it can expose the engine to risk. If water enters your Baleno’s engine, it can cause significant damage and lead to expensive repairs. So, you can protect your car from such unforeseen events with an Engine Protection add-on in your car insurance.

All Baleno variants are lightweight and easy to drive through congested city traffic. You can feel effortless steering and quick acceleration while driving this car. Yet, continuous stop-and-go driving through crowded neighbourhoods increases the chances of minor collisions, dents, and scratches. A standard car insurance plan ensures these costs are covered, so you can navigate different localities without worrying much.

During Akshay Tritiya in April 2025, Maruti Suzuki Baleno emerged as the most in-demand used car in India alongside two other hatchbacks. Unfortunately, the rising popularity has also increased concerns regarding theft. Having car insurance with theft coverage means you can remain financially protected if your Baleno is stolen or sustains irreparable damage. It prevents you from bearing the full cost yourself.

Disclaimer: For a detailed list of inclusions and exclusions, please refer to our official policy documents here.

How to File?

How to File a Maruti Suzuki Baleno Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage and drop off your car at your address.

Step 1: Initiate the Claim

To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Maruti Suzuki Baleno - Models and Prices

Maruti Suzuki Baleno is now among the top premium hatchbacks in India that offer unmatched space, fuel efficiency and driving comfort. Whether you are looking for the basic amenities or some standout luxury features, there are many models available to suit your needs

Maruti Suzuki Baleno Models	Ex-Showroom Price
Baleno Sigma Manual \| Petrol	₹5,99,000
Baleno Delta Manual \| Petrol	₹6,80,000
Baleno Delta AMT Automatic \| Petrol	₹7,30,000
Baleno Delta CNG Manual \| CNG	₹7,70,000
Baleno Zeta Manual \| Petrol	₹7,70,000
Baleno Zeta AMT Automatic \| Petrol	₹8,20,000
Baleno Alpha Manual \| Petrol	₹8,60,000
Baleno Zeta CNG Manual \| CNG	₹8,60,000
Baleno Alpha AMT Automatic \| Petrol	₹9,10,000

Disclaimer: 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.

Key Takeaways

Maruti Suzuki Baleno is a well-loved hatchback that is available in 9 different variants. Its bold design and advanced features allow you to make a style statement every time you hit the streets. Moreover, you would want to be in your car for longer because of its cabin, which has a pleasing chrome design and natural flow lines.

To retain the best features of your car for the maximum possible time, it is important to consider buying a Baleno insurance policy. With IndusInd General Insurance (formerly Reliance General Insurance), you can protect your Maruti Suzuki car starting at just ₹308/month*.

Our car insurance plan will offer you protection from accidents, natural disasters, total loss and theft. You will also get 15+ add-ons to further extend your plan's coverage. To opt for a protection plan, you do not have to go anywhere, as the whole process is online and paperless. Consider downloading our IndusInd Insurance app to get started.

Author - Model Car

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Baleno insurance starting at just ₹308 per month*

Get full-circle protection for your Baleno!

From damage and theft to add-ons like roadside assistance, we’ve got you covered.

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Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

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Limited policy options

A fair and simple process. The Car insurance covers the basics well.

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The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

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I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

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Frequently Asked Questions (FAQs)

Can I enhance the protection for my Maruti Suzuki Baleno with additional covers?

Yes, it is very much possible to extend the scope of coverage if you decide to add one or more add-ons to your standard car insurance plan. You can personalise your car’s protection cover by including add-ons like Nil Depreciation, 24/7 Roadside Assistance, EMI Protection Cover, etc.

I have bought a second-hand Baleno. How does the no claim bonus work here?

The No Claim Bonus from the previous owner of a second-hand car is not transferred to you. This is because NCB benefits are linked with a person’s driving history and not the vehicle. Therefore, you will start with a 0% NCB for the used Baleno.

Can I calculate the car insurance premium before buying one?

Yes, you can use our online car insurance premium calculator to get an estimate of the cost. It will ask you to enter your mobile number and your car’s registration number before you can verify the premium by clicking on “View Price”.

What is the new Baleno Sigma insurance price?

The Maruti Baleno Sigma is the base model that costs around ₹5.99 lakh (ex-showroom price)*.

What to do first if my Baleno gets stolen?

After your Baleno is stolen, you must immediately inform your local police about the incident and file an FIR. Next, you should contact the customer helpline at IndusInd General Insurance and submit a reimbursement claim along with a copy of the FIR.

Are there any discounts available on the Maruti Baleno car insurance plan?

Yes, you can use IndusInd General Insurance’s official website to purchase a new Maruti Baleno car insurance policy and enjoy a discount of up to 90%. Existing policyholders can take advantage of no claim bonus benefits and get a maximum of 50% discount on insurance renewals.