Maruti Ertiga Car Insurance

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

The Maruti Ertiga has been more than just a car for Indian families. It has been a reliable companion in their everyday journeys. With its spacious seven-seater build and efficient performance, it has been the preferred pick for those who value comfort. From young parents who need extra space for strollers to joint families planning long drives, the Ertiga appeals to people who see a car not just as a vehicle, but as a part of their family life.

Ertiga’s spacious interiors and ample luggage room make road trips as enjoyable as the destination itself. But long drives often mean long hours on the road, increasing the risk of sudden breakdowns or small accidents. That’s when having reliable car insurance makes a difference. It acts as a quiet safeguard, stepping in whenever you need support.

IndusInd General Insurance understands the need for such reliability and offers car insurance plans that are designed to keep pace with your lifestyle and driving needs. With quick claim approvals and the ease of managing everything through the IndusInd Insurance app, you can count on support exactly when you need it. Just as your Ertiga takes care of your family on the road, we make sure it stays protected at every step, so your focus remains on the people and moments that matter most.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

At IndusInd General Insurance, we understand that owning a Maruti Ertiga is about more than just driving. It’s about managing the little uncertainties that come with daily use. That’s why our strong claim record and customer-first support make sure you’re never left without help when you need it most.

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15 plus add-on covers

Customise your Maruti Ertiga 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 Maruti Ertiga Insurance?

Legal Compliance

Driving without insurance can attract fines of ₹2,000 to ₹4,000* or even jail for 3 months. Insuring your Ertiga isn’t just mandatory, it protects your vehicle and investment. Whether you use your Ertiga for family trips or daily commute, having valid coverage keeps you legally compliant and financially secure against unexpected mishaps.

Covers Repair Costs

Frequent trips, school runs or weekend drives can take a toll on your Ertiga, leading to minor accidents or mechanical wear. Even routine maintenance can add up and cost over ₹30,000. Comprehensive insurance helps cover both minor repairs and major damage, ensuring your Ertiga is always ready for the road.

Theft Protection

With the Ertiga being a highly valued vehicle, it’s important to secure your investment. Having car insurance covers the IDV (Insured Declared Value) and, with a Return to Invoice add-on, helps recover the car’s original purchase price. This ensures you’re financially protected if your vehicle is ever stolen.

Natural Disaster Cover

Monsoons, floods or storms can damage your Ertiga’s engine and electronics, especially during deliveries or long drives. A comprehensive plan with the Engine Protect add-on shields your vehicle from water, storm or natural disaster damage, reducing costly repairs while ensuring your car remains functional year-round.

Fire Damage Cover

Electrical faults or fuel leaks, though rare, can cause fires and major damage. Commercial use slightly increases this risk. Having car insurance protects against fire-related incidents, covering repair or replacement costs so you don’t bear heavy financial losses after an unexpected accident.

Network Garage Access

Our authorised service network with over 11,000 garages ensures repairs with genuine parts, even in smaller towns. With 24/7 access to trusted workshops, you get professional, reliable and high-quality service whenever needed. This ensures your Ertiga stays in top condition and helps prolong its performance and life.

Types of Maruti Ertiga Car Insurance Plans

Comprehensive Car Insurance

This plan covers almost all situations your Ertiga may encounter, from minor scratches in city traffic to accidents on long drives. Repairs for both your car and the other vehicle are included. You can also customise your plan with add-ons like engine protection or roadside assistance for added protection.

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Pay As You Drive Car Insurance

With this plan, your premiums depend on how much you drive, with yearly limits from 2,500 to 10,500 kilometres with a 125 km grace buffer*. If your Ertiga is mostly used for weekend family trips or occasional errands, this plan saves money. Plus, unused kilometres can be carried forward to the next year, and extra km can be added anytime if your travel increases.

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Third Party Car Insurance

Legally required for all car owners, this plan covers damage or injury you may cause to others. It protects you from the costs of repairing another vehicle or property and from potential medical expenses in case of injury. You can choose long-term coverage options that range from 1 to 3 years, helping reduce the need for frequent renewals.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance helps keep your vehicle protected from accidental repairs, theft-related losses, fire damage, and calamity-related expenses. The policy is designed to provide wider financial security for your vehicle. It can be purchased only with an active TP insurance policy

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Key Features

Key Features of IndusInd Maruti Ertiga Insurance

Our Maruti Ertiga insurance plans come with practical features designed for real-world usage. From instant claim filing through the IndusInd Insurance app to extensive garage networks, we offer everything you need. These features are specifically chosen to support Ertiga owners in their daily driving and business activities.

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 Ertiga Car Insurance: Inclusions & Exclusions

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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.

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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 Ertiga 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 inclusions and exclusions.

Protect your Maruti Ertiga with the right insurance

Whether it’s daily commutes or family trips, stay secure on the road every time.

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Maruti Ertiga Car Insurance Add-On Covers

Your Ertiga is your daily partner for office runs, grocery trips and road journeys. These add-ons help ensure your car gets targeted coverage based on your needs and covers gaps that basic car insurance may fall short.

Nil Depreciatio

Money Saver

You get a full claim on the repair or replacement of your Ertiga’s parts without deductions for depreciation. It is ideal when accidental repairs involve bumpers or fibre components, saving you big repair costs.

Pay As You Drive

Money Saver

Your premiums are based on how much you drive your Ertiga in a year. It is the perfect fit for occasional drivers or those who have multiple vehicles. You can choose between 2,500 to 10,500 kilometres annually.

Return to Invoice

Money Saver

We ensure that if your Ertiga is stolen or completely damaged, you receive the full invoice value, including taxes and registration. This helps you get the entire amount you originally paid to get your Maruti Ertiga.

Engine & Gearbox Protection

Extra Care

Waterlogging during monsoons or oil leaks can cause heavy engine damage in your Maruti Ertiga. This add-on covers such costly engine and gearbox repairs, which are usually excluded from standard car insurance plans.

Car Tyre Protection Cover

Extra Care

Your Ertiga's tyres can get damaged from potholes, bad roads or long highway drives. This add-on pays for repair or replacement when tyres burst, bulge or get cuts, saving you from sudden out-of-pocket expenses.

Key & Lock Replacement

Extra Care

Your Ertiga’s smart keys and locks are expensive to replace. This add-on covers loss, theft or damage to your car’s keys and locks, ensuring you don’t have to bear the high replacement costs at authorised workshops.

Consumable Expenses

Money Saver

During repairs or regular maintenance, the cost of engine oils, fluids, nuts and bolts can add up and lead to hefty bills. This add-on covers the cost of such consumables, ensuring your Ertiga’s upkeep doesn’t come with unexpected high bills.

RIM Protection
Extra Car Protection

Extra Care

Your Ertiga's rims can easily get scratched or bent from potholes, rough roads or accidental scrapes. Since rims are costly to repair or replace, this add-on covers those expenses and ensures you don’t have to pay out-of-pocket for sudden damage.

Roadside Assistance

Extra Care

We all know that breakdowns never come announced. Whether you’re stuck on a busy city street or stranded on a long highway drive, with this add-on, you get 24/7 support with towing, tyre changes, fuel delivery and even on-site repairs

Personal Belongings

Extra Care

Theft of personal items like laptops, bags or gadgets from your locked Ertiga can cause heavy financial loss. With this add-on, you get compensation for stolen valuables worth above ₹5,000*, ensuring that your essentials are always protected.

Daily Allowance Benefit

Money Saver

When your Ertiga is in the garage for repairs for more than three days, travel costs can quickly add up. This cover gives a cash allowance each day to help manage extra commuting, so you’re not stuck paying out-of-pocket until your car is back.

EMI Protection Cover

Money Saver

Repairs that stretch for weeks can disturb your budget, especially if you’re managing car loan EMIs. This add-on covers your EMIs if repairs on your car take 21, 42 or 63 days*, helping keep your finances steady while your Ertiga is off the road.

No Claim Bonus Retention Cover

Money Saver

Normally, raising even a single claim in a year reduces your No Claim Bonus and increases next year’s premium. This cover ensures that claims (up to 2 per year*) do not affect your renewal discount, helping you continue enjoying savings even after a claim.

Electrical Accessories Cover

Extra Care

If you’ve added extra electrical fittings like a GPS unit, music system or parking sensors to your Ertiga, this add-on protects them from theft or accidental damage. It ensures that your upgrades remain covered just like the standard car parts.

Non-Electrical Accessories Cover

Extra Care

Many Ertiga owners customise their cars with seat covers, alloy wheels or bumper guards. This cover extends protection to these modifications, so your investment in making the car more comfortable or safe doesn’t go to waste after damage or theft.

How to Buy

How to Buy/Renew Maruti Ertiga 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.

Disclaimer: The list of add-ons provided under your plan and the coverage limits provided under each add-on are subject to change based on your chosen policy. You can find the full list of add-ons with the most up-to-date coverage limits here.

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Factors Affecting Maruti Ertiga Car Insurance Premium

The cost of insuring your Maruti Ertiga depends on several key factors. From your car’s age and model to your driving habits and add-on covers, each element can influence your premium. Knowing what affects your insurance helps you choose the right coverage and manage costs effectively while keeping your Ertiga protected.

Your Maruti Ertiga's IDV

The Insured Declared Value (IDV) of your Ertiga largely decides your premium. A higher IDV, often for newer models, means a higher premium. This is because insurers need to cover a greater financial risk. Older Ertiga models, with lower market values, naturally cost less to insure.

Car's Make and Model

The Ertiga’s strong reliability and easy availability of spare parts help keep insurance costs reasonable. Different variants, like the 5-seater or 7-seater, may have slightly different premiums based on features and repair costs.

Type of Coverage

Comprehensive insurance covers damage to your Ertiga as well as other vehicles or property, giving you full protection in case of accidents. Third-party insurance is cheaper but only covers damage caused to others, so your own vehicle remains unprotected.

Add-On Covers

Extra covers like zero depreciation or engine protection may increase your premium, but they are worth it as they reduce out-of-pocket expenses during repairs or claims. For Ertiga owners who drive often or take long trips, these add-ons offer valuable extra protection.

Claim History

If you haven’t made any recent claims, you can get a No Claim Bonus, a form of reward that lowers your premium for being a careful driver. On the other hand, multiple recent claims may signal a higher risk to insurers, which can increase your premium.

Adding Anti-Theft Protection to Your Car

Installing security features like GPS trackers, alarms, or steering locks makes your Ertiga less likely to be stolen. Insurers often reward these safety measures with lower premiums, giving you better protection at a reduced cost.

Insure the Best Parts of Your Maruti Ertiga Car

The Maruti Ertiga is designed to accommodate seven passengers with ease, providing ample legroom and headspace for long journeys. More seating and interior components mean higher repair costs in case of accidents. Having comprehensive car insurance coverage safeguards these car parts and ensures that your car remains in top shape without unexpected expenses.

With airbags, ABS and reinforced panels, the Ertiga prioritises passenger safety on every ride. While these features reduce accident risks, repairs to safety systems or body panels can be expensive. Reliable and comprehensive coverage helps ensure these costs are covered, keeping both you and your car protected.

Ertiga’s engine and suspension deliver a reliable, fuel-efficient ride, whether in city traffic or on highways. Unexpected mechanical issues or minor damages can interrupt your smooth driving experience. A comprehensive car insurance policy ensures repairs are handled promptly without financial strain.

The sleek exterior and robust build make the Ertiga stylish and resilient. However, scratches, dents or weather-related damages can affect its look and value. Comprehensive insurance protects the car’s body, helping maintain its appeal and resale price.

How to File?

How to File a Maruti Ertiga 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 Ertiga - Models and Prices

The Maruti Ertiga comes in different variants with varying features and price points to target different customer needs. Different car models have different features that can affect how much you pay for insurance and what type of coverage you need.

Model Variant	Engine & Fuel	Ex-Showroom Price (₹) [Sep 2025]
Ertiga LXi MT	1462 cc Petrol	₹8,96,500
Ertiga VXi MT	1462 cc Petrol	₹10,05,500
Ertiga VXi CNG	1462 cc CNG	₹11,00,49
Ertiga ZXi MT	1462 cc Petrol	₹11,15,500
Ertiga VXi AT	1462 cc Petrol	₹11,45,500
Ertiga ZXi+ MT	1462 cc Petrol	₹11,85,500
Ertiga ZXi CNG	1462 cc CNG	₹12,10,501
Ertiga ZXi AT	1462 cc Petrol	₹12,55,500
Ertiga ZXi+ AT	1462 cc Petrol	₹13,25,500

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

The Maruti Ertiga has been India’s favourite MPV for more than 10 years, trusted by lakhs of families across the country. In July 2025, it proved its popularity yet again with 16,604 units sold, making it the best-selling MPV in India. Families love the Ertiga because it offers a spacious 7-seater cabin, smooth performance for city drives and highways and excellent mileage of 20+ km/l, which keeps running costs low. Its modern design and strong resale value make it a smart choice year after year.

Safety is another big reason why people trust the Ertiga. With dual airbags, ABS with EBD and Maruti’s HEARTECT platform, it keeps passengers safe on every trip. But since today’s cars come with advanced interiors, safety systems and stylish exteriors, repair costs after an accident, natural disaster or even a small breakdown can be high.

This is why IndusInd offers Comprehensive Car Insurance plans designed to match the needs of Ertiga owners. From instant claim settlement through the IndusInd Insurance app video streaming feature to a quick claim survey within 24 hours, everything is built for convenience. In case of a breakdown, you get prompt assistance along with free towing at any of our 11,000+ network garages across India. Plus, our quick claim settlement ensures you don’t have to worry about delays, while 24/7 customer support is always there to help. With premiums starting as low as ₹308 per month* IndusInd’s plans make it affordable to keep your Ertiga fully protected for the long-term.

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.

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Car Insurance Made for Your Ertiga

Keep your Maruti Ertiga protected from unexpected damage, theft and more, with coverage tailored to your car’s needs.

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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.

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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)

Is Personal Accident cover mandatory with my Ertiga’s comprehensive policy?

Yes. In India, it is mandatory to have a Personal Accident (PA) cover with your car insurance policy. For your Maruti Suzuki Ertiga comprehensive plan, this cover usually provides up to ₹15 lakh compensation for the owner-driver, ensuring financial protection in case of accidental injury or death.

Does a CNG kit affect my Maruti Ertiga's insurance premium?

Yes. If your Maruti Suzuki Ertiga has a company-fitted or aftermarket CNG kit, it must be declared at the time of policy purchase. The premium increases as the kit adds to the vehicle’s Insured Declared Value (IDV). Not declaring the CNG kit may lead to claim rejection for damages related to it.

How can I get a No Claim Bonus (NCB) for my Ertiga?

No Claim Bonus (NCB) is a discount on the own damage premium when no claims are made during the previous policy year. If you do not file any claims for your Maruti Suzuki Ertiga during the policy period, you become eligible for this discount. You can also opt for an NCB add-on cover to retain the benefit even after filing up to 2 claims in a year*.