Maruti Car Insurance

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

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.

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 IndusInd Insurance 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.

Why Us

Why 8 Crore+ Policyholders Trust Us?

Maruti suzuki car insurance policy, you are covered against unpredictable road risks and rising repair costs. Our car insurance plans offer comprehensive financial protection and smooth, cashless repairs, ensuring your premium driving experience stays uninterrupted while safeguarding you from expensive accidental damages.

Brand - Car

15+ Add-On Covers Available

Extra covers for enhanced protection

Up to 3 Years Coverage*

Get long and short-term coverage with us

Video Claims Feature on Our App

File quick cashless claims via mobile

24/7 Customer Assistance*

Get support from anywhere in India

Why Do You Need Maruti Car Insurance?

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 IndusInd 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.

Types of Maruti Car Insurance Plans

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 15+ 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.

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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.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) car insurance offers financial protection for your car against accidental damages, theft, fire incidents, and natural disasters like floods or storms. It is available exclusively for vehicle owners who already have valid third-party insurance. The policy is offered in both short-term and long-term durations that match your existing TP policy tenure for uninterrupted coverage.

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Key Features of IndusInd Maruti Car Insurance

IndusInd General Insurance (formerly 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.

Key Features	Descriptions
Starting Premium Price	₹308/month*
Customisation of IDV	Available
Coverage Offered	Third-Party Liability and Own Damage
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Processing	We offer cashless repairs and start the survey within 24 hours of your claim
Smartphone-Enabled Claims	The IndusInd insurance App offers a Video Claims feature
Network Garages	More than 11,000 network garages in India
Instant Policy Purchase & Renewal	Available
Add-On Covers	15+ Add-ons
Personal Accident (PA) Cover	Additional PA Cover of up to ₹15 lakhs available
24/7 Customer Assistance	Available on Helpline and WhatsApp

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

Inclusions and Exclusion

Maruti Suzuki: Inclusions and Exclusion

Brand - Car

What is Covered?

Accidents and Collisions: Our plan covers the repair costs for damage to your Maruti Suzuki insurance caused by a road accident.

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

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Maruti Suzuki insurance for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

Brand - Car

What is Not Covered?

Depreciation: Depreciation of Maruti Suzuki insurance parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations & Outside Zone Coverage: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Buy your Maruti car insurance from IndusInd today!

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Maruti Car Insurance Add-on Covers

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 IndusInd Insurance 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.

How to Buy and Renew

How to Buy/Renew Maruti Suzuki?

Brand - Car

Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

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

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

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

Brand - Car

How to Renew

Go to the top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

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

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Maruti Car Insurance Premium

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.

Your Maruti Car’s IDV

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.

Car’s Make and Model

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.

Type of Coverage

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.

Add-On Covers

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.

Claim History

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.

Installing Anti-Theft Devices

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.

How to File

How to File a Maruti Suzuki Claims?

How to File a Mahindra Car Insurance Claim?

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Insurance app.

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.

Step 3: Self Inspection

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

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 once repairs are done. You will only need to pay mandatory deductibles (if any).

Step 1: Initiate the Claim

initiate a claim for damage, total loss 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 of your claim, we will transfer the claim amount directly to your bank account.

Maruti Cars & SUVs - Models and Prices

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:

Models	Price (As of August 2025)#
Eeco	₹5.70 - ₹6.96 lakh
Alto	₹4.23 - ₹6.21 lakh
Swift	₹6.49 - ₹9.65 lakh
K10	₹4.23 - ₹6.21 lakh
Ertiga	₹9.12 - ₹13.41 lakh
Wagon R	₹5.79 - ₹7.62 lakh
Baleno	₹6.74 - ₹9.96 lakh
Dzire	₹3.41 - ₹5.06 lakh
Grand Vitara	₹14.45 - ₹26.27 lakh
Vitara Brezza	₹7.84 - ₹11.49 lakh
XL6	₹14.76 - ₹18.48 lakh
Celerio	₹7.11 - ₹9.24 lakh
Ritz	₹5.30 lakh
S-Presso	₹5.16 - ₹7.42 lakh
Fronx	₹9.13 - ₹16.60 lakh

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

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.

IndusInd Maruti Car Insurance (earlier Reliance Maruti Car Insurance) helps you handle these moments without worry. Starting at ₹308/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 IndusInd Insurance 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.

Author - Brand 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.

IndusInd General Insurance

Get Customised Coverage for Your Maruti!

Enjoy complete protection for your Maruti car, covering everything from own damage to theft and more. Plus, choose from handy add-ons to boost your coverage exactly the way you want today.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

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

Suman

Noida

Limited policy options

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

Aniket

Chirawa

Value for money

Quick policy issuance

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.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

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.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

Which is the best-selling Maruti car in India?

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.

Does Maruti offer CNG variants?

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.

Is Maruti launching electric cars?

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.

Are Maruti cars fuel-efficient?

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.

Are spare parts for Maruti cars easily available?

Absolutely. Maruti has over 5,500 authorised service touchpoints across India, ensuring genuine spare parts are easily accessible, even in smaller towns.

Can I transfer my No Claim Bonus (NCB) if I sell my Maruti?

Yes. Your NCB is linked to you, not the car, so you can transfer it to a new vehicle’s policy and enjoy premium discounts.