Maruti Suzuki Grand Vitara Insurance

Name: Maruti Suzuki Grand Vitara Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Grand Vitara is a seamless and comfortable SUV. With attractive exteriors and interiors, it has made its own mark in the market. It offers a robust engine of 1995 cc, along with essential features like an anti-lock braking system, passenger airbag, driver airbag and many smart features. The 5-seater SUV delivers a mileage of up to 9.7 KMPL in the automatic transmission and 9.8 KMPL in the manual transmission, making it a practical option for regular use too.

Though it is packed with multiple safety features, unforeseen situations can still arise on the road. That is why it becomes very important to have car insurance for your Grand Vitara. Suppose you get stranded on a highway and your car stops working, or you face any other issue during your travel, you may panic and want some help. This is where we offer roadside assistance* at such times of need to make sure you get the support you need.

Also, in case of any structtural or other issues, you can get your car repaired at any of our cashless network garages. Not only this, IndusInd General Insurance offers various plans and add-ons that can make your overall protection complete. So, know more about the Maruti Suzuki Grand Vitara insurance below!

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (formerly known as Reliance General Insurance) provides access to a vast range of add-ons, round-the-clock customer support, cashless garage networks and a lot more to safeguard your Grand Vitara.

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Grand Vitara 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 Suzuki Grand Vitara Insurance?

Legal Mandate

As per the Motor Vehicles Act, all vehicles must have third-party insurance. That means your Grand Vitara needs to be compulsorily insured with a car insurance policy, no matter how little or less you use it. If you get caught driving without a valid insurance, then you will be fined ₹2000-₹4000 and may even be imprisoned.

Coverage For Car Repairs

The Maruti Suzuki Grand Vitara is an ideal pick for both weekend getaways and city drives. But even the most careful drivers can’t avoid the risks like minor dents, bumper scratches, or sudden accidents in traffic. Repairs can be very expensive, for parts such as headlights, body panels and bumpers. Having a car insurance helps in covering replacement and repair costs of these parts after accidents

Coverage for Car Theft

Car theft can feel like a huge financial loss, especially if your Grand Vitara is new and expensive. But with car insurance, theft is treated as a total loss, and you get the car’s IDV. This payout helps in recovering easily, both mentally and financially. If you want extra protection, you can also add Return to Invoice. This add-on reimburses the actual price you paid, including taxes and registration, as per policy terms.

Coverage For Natural Disasters

India’s diverse climate means your Grand Vitara could face risks from floods, cyclones, landslides, or earthquakes. Even though the SUV is built to handle tough conditions, natural disasters can cause serious damage. A comprehensive insurance policy ensures your vehicle is protected against such unpredictable events.

Coverage For Fire Related Damage

If your Grand Vitara gets accidentally damaged due to overheating, short circuit, fuel leakage or any external fire, car insurance can help cover it. It can reimburse the repair or replacement costs as per the policy terms. Fire related accidents can also cause damage to critical parts like engine, wiring, interiors. But with the right insurance cover, you can get your Grand Vitara repaired without stressing about the expenses.

Network Garages and Spare Parts

Repairing your Grand Vitara means quality and expert repair, which can be expensive. The local garages use duplicate low-grade spare parts, which can affect the performance in the long run. With cashless network garages, you get quality and reliable service for your Grand Vitara. Also, you do not need to pay upfront, so you stay free from arranging finances upfront. Overall, this makes the whole process smooth and convenient.

Types of Maruti Suzuki Grand Vitara Car Insurance Plans

Comprehensive Car Insurance

If you are looking for holistic protection against damages caused by theft, fire, accidents, natural disasters, etc., then this plan is just for you. It is the most preferred choice of Grand Vitara owners as it offers wide coverage for your car, covering both own damage and third party damages.

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Pay As You Drive Car Insurance

If you have more than one vehicle or if you stay close to your place of work, then this policy is the one for you. It is an age-based cover that lets you pay a premium on the basis of the kilometres you drive. You can opt between 2500-10,500 kms with an option to top up when you have exceeded the usage.

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Third Party Car Insurance

This is a must-have insurance for car owners as per the Motor Vehicles Act 1988. It offers coverage strictly for the damage caused to a person or their property in case of an accident. The premium for this plan is low, so you don't get coverage for damages caused to your own vehicle.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance provides financial protection for your car against accidents, theft, fire, and damages caused by natural disasters. The policy offers dedicated own-damage coverage while complementing your existing third-party insurance plan. Flexible coverage options are available for enhanced vehicle protection.

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Key Features

Key Features of IndusInd Maruti Suzuki Grand Vitara Insurance

Indusind General Insurance offers full-fledged coverage and consistent support needed while purchasing or claiming your policy. In addition to this, the following are some of the significant features of our insurance plans for the Grand Vitara owners.

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 Grand Vitara 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.

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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 Suzuki Grand Vitara 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.

Buy your Maruti Grand Vitara car insurance from IndusInd today!

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Our Plans Have the Best Add-Ons

You can also purchase additional covers to enhance the coverage of your Maruti Suzuki Grand Vitara insurance policy. These add-ons are available at an extra price, so they increase your premium and provide added protection to your Grand Vitara. The add-ons available are as follows:

Nil Depreciation Cover

Nil depreciation cover means your insurer won’t charge depreciation on parts during a claim. So, you receive a higher claim amount and pay less from your pocket, mainly for rubber, plastic and fibre parts.

Pay As You Drive

Whether it’s a flat tyre, battery failure, or breakdown in the middle of nowhere, this add-on ensures help is just a call away — anytime, anywhere.

Return to Invoice Cover

If your Grand Vitae gets stolen/declared lost, this add-on helps in getting the original invoice value. It is most suited for new cars where the replacement cost is higher.

Engine & Gearbox Protection Cover

The engine is the main part of a car, and repairing it is very expensive. This add-on covers engine/gearbox damage from oil leak, water ingress, accident impact or hydrostatic lock. Useful for flood-prone areas and during the monsoon.

Tyre Protection

This add-on offers coverage for the repair and replacement of damaged tyres. So if you drive your Grand Vitara regularly and on rough grounds, then this is a must-have add-on for you.

Key Replacement Cover

If you lose your keys or they get damaged, you need not worry! This add-on offers coverage for lock repairs and key replacement. If your Grand Vitara has an expensive locking system, this add-on is essential!

Consumables Expenses

This add-on covers the small expenses like buying coolant, engine oil, nuts and bolts. It pays for all those consumables ( up to 5-10% of repair costs) that are generally not included in the base plan.

RIM Protection

If you accidentally hit a pothole and bend your rim, then this add-on helps! It covers the cost of repairs/replacement of rims damaged because of accidents and bad roads. It is mainly useful if your Grand Vitara has alloy wheels.

24/7 Roadside Assistance

If your Grand Vitara breaks down in the middle of a highway, then this add-on comes to your rescue. It provides assistance like towing, flat tyre help, fuel delivery, on-spot repairs and a lot more. It is ideal if you go on road trips frequently.

Loss of Personal Belongings

This add-on is useful if your valuables worth 5000+ get stolen from your car or damaged in an accident. It is perfect for daily commuters.

Daily Allowance

This add-on provides a daily cash allowance to arrange alternate travel costs like public transport or cabs until your car is back. It is usually provided if your car stays at the garage for more than 3 days.

EMI Protection Cover

This insurance add-on assists in paying your car loan EMI if your Grand Vitara stays in repairs for 21/42/63 days. It is suitable for you if your monthly EMI is high and repair delays add to it.

NCB Retention Cover

This add-on protects your No Claim Bonus. So, your NCB isn’t lost as per policy if you make a claim. It is useful for Grand Vitara owners who do not want their renewal premium to go up!

Electrical Accessories Cover

Have you installed electronics like a dashcam, camera, premium speakers or GPS in your Grand Vitara? This add-on offers coverage for these upgrades against theft or damage.

Non-Electrical Accessories Cover

This cover safeguards non-electrical accessories like seat covers, trims, and bumper guards against accident damage or theft.

How to Buy

How to Buy/Renew Maruti Suzuki Grand Vitara 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 Grand Vitara Insurance Premium

Engine Capacity

The cubic capacity of your car directly affects your insurance premium. The high CC engines offer more speed and power, leading to a risk of accidents and wear and tear on your car. As the risk for insurers is higher, premiums are also higher for cars with large engines. Also, IRDAI uses engine capacity to finalise third-party premium rates, making CC a key pricing factor.

Grand Vitara’s IDV

IDV is the value that you choose while purchasing the policy. It is basically the maximum amount your insurer will pay if your car gets stolen or declared a total loss. Higher IDV means higher payout and higher premium.

Type of Coverage

The type of insurance you choose, whether own damage, comprehensive or third party, directly affects your premium. The price of comprehensive plans is higher compared to own damage and third-party plans because it offers higher coverage.

Add-On Covers

Add-ons come at an extra cost to enhance your policy coverage. Some of the most common add-ons include roadside assistance, zero depreciation, engine protection and key replacement. The more add-ons you choose, the higher your premium will be your premium.

Modifications in the Car

Any modifications done to your Grand Vitara, like the car's engine, suspension, exhaust system,m or appearance affects the premium. Changes that lead to an increase in performance or speed can increase risk, leading to high premiums. While safety updates can decrease the premium as they lower the risk.

Car’s Model

The Grand Vitara’s model, fuel type, and engine capacity affect your premium because repair costs are different for every vehicle. Premium cars like SUVs are generally expensive to fix. Premium can also differ on the basis of spare parts availability, safety ring and past claim trends for that model.

Claim History

Your claim history also affects your insurance premium. If you have not filed a claim, your insurer provides you with an NCB discount that can go up to 50%. However, frequent insurance claims can increase your risk profile and lead to higher premiums.

Voluntary Deductibles

A voluntary deductible also affects your premium. It is the amount that you pay before the insurer covers the rest. A higher deductible means a lower premium, but you’ll bear more costs during a claim.

Fuel Type

CNG, Petrol, and electric vehicles have different premium rates. Diesel cars have high premiums because of their costly repairs, whereas electric vehicles may get discounts.

Location

The location of your vehicle also affects the premium. Cars in metro cities or areas prone to accidents have higher insurance premiums because of the high risk. But if your Grand Vitara is in a small town or a less risky location, it has a lower premium.

Installing Anti-Theft Devices

ARAI-approved devices can lower your premiums. These devices reduce the chance of vehicle theft and signal to the insurer that your car is safer. It is a cost-effective and simple way to save on premiums.

Disclaimer: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.

Maruti Suzuki Grand Vitara Key USPs

With its athletic stance, sleek lines, and signature LED lighting, the Grand Vitara makes a bold statement on the road. Whether parked or in motion, its dynamic design turns heads and reflects a premium lifestyle. However, city traffic and tight parking spots can lead to minor scratches or dents - and that’s where car insurance helps cover repair costs.

The Grand Vitara offers you a full premium feel, bold styling, spacious cabin and other smart features that make it more comfortable. That’s the reason it is widely chosen by working professionals and young families looking for both style and practicality. But, dents, scratches, bumper hits, etc., are very common in city traffic and repair costs are not that cheap. With the right insurance plan and add-ons like zero depreciation, you can tackle these damages without spending a lot from your pocket.

This premium SUV comes with a panoramic sunroof to give that luxurious feel. The sunroof makes the cabin airy and gives a different overall experience on long drives. But repairing sunroof glasses and roof panels is expensive if it gets damaged by hailstorms, accidents or falling objects. By having a good insurance plan and relevant add-ons, you can avoid these out-of-pocket expenses.

Maruti cars generally have a good resale value, and the Grand Vitara is also known as a long-term ownership SUV. Most people buy it because of these reasons: strong ownership today and good resale value in future. But resale depends on the condition of the car. A Grand Vitara insurance helps in repairing the car as early as possible by covering the repair costs. Most importantly, repairs at network garages are done using expert care and quality parts, keeping your SUV in good condition for a long time.

How to File?

How to File a Maruti Suzuki Grand Vitara 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 Grand Vitara Variants and Prices

The Maruti Suzuki Grand Vitara comes in various variants, each offering a different mix of engine options, features and driving experience. Read the table below to know about the Grand Vitara variants along with the starting prices to help you choose the best!

Grand Vitara Models	Price
Grand Vitara Alpha+(O)	₹10,99,000
Grand Vitara Alpha +	₹12,20,000
Grand Vitara Alpha (O) ALLGRIP	₹13,15,000
Grand Vitara Alpha MT	₹13,60,000
Grand Vitara Zeta MT CNG	₹14,01,000 - ₹15,41,000
Grand Vitara Alpha (O)	₹14,96,000
Grand Vitara Zeta + (O)	₹ 15,51,000 - ₹16,91,000
GRAND VITARA Smart Hybrid Alpha 4WD Manual \| Hybrid	₹17,01,000

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 Grand Vitara is not just a random SUV; it is popular for its style, strong mileage and comfort it offers. In fact, Maruti Suzuki had announced that the Grand Vitara became the fastest-selling SUV and crossed 3 lakh sales in 32 months only. This shows how reliable and trusted it is among the Indian buyers.

But what most buyers realise after purchasing this SUV is its expensive repairs and maintenance charges. A minor accident can cause damage to the car. Highway trips can bring bigger risks, and monsoons can also cause heavy damage to your Grand Vitara.

That’s the reason IndusInd Grand Vitara Insurance is suitable for all Grand Vitara owners. It provides protection against third-party* plus own damage* liability. Not only this, but it also offers coverage for theft, accidents, fire and natural disasters

This holistic plan is designed for convenience. The insurance plans begin at ₹308/month*. It offers 15+ add-on covers to enhance your coverage. Most importantly, you can raise claims via the IndusInd Insurance app. Also, you don’t need to arrange cash upfront. The insurance provider manages it all for you!.

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.

Grand Vitara insurance starting at just ₹308 per month*!

Keep Your Premium SUV Protected With Us!

Safeguard your Grand Vitara against theft, accidents and third-party liabilities. Choose from plenty of add-ons like Zero depreciation, Engine Protection and a lot more!

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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)

Is it possible to transfer my Grand Vitara insurance policy to a new owner upon selling my vehicle?

Yes, you can transfer your Grand Vitara insurance policy to a new car owner when you sell your vehicle. However, the new owner needs to apply for the transfer of ownership and update the insurance plan accordingly.

How to calculate the Grand Vitara insurance price?

You can easily calculate the insurance premium using our car insurance premium calculator. It is an online tool that lets you check Grand Vitara insurance costs by providing some basic information. You will need the following details: Model & Variant, Car manufacturer’s name, Manufacturing year, Invoice value, Fuel type.

How to reduce the insurance price for my Maruti Suzuki Grand Vitara?

You can reduce your Maruti Suzuki Grand Vitara insurance premium by following these tips: Always choose your IDV wisely. Make sure to compare plans before buying. Try to save on your NCB discount. Install an anti-theft device in your car. Become a member of the Automobile Association of India.

What happens if I fail to renew my Maruti Suzuki Grand Vitara insurance before its expiry?

If you forget to renew your policy before the expiry date, it enters a grace period. You can renew your policy within this grace period without losing any benefits. However, in case of an accident, this period may leave you uninsured and liable for damages. Also, if your policy gets discontinued in this manner, your insurer will initiate an inspection before your car insurance is renewed.

How does a zero depreciation affect the Suzuki Grand Vitara Insurance Policy?

If you have a zero depreciation add-on for your Maruti Suzuki Grand Vitara, then you can get the full cost of body parts from your insurer in case of total loss of your vehicle. The cost of the insurance policy will increase slightly; however, the year-on-year depreciation will not apply to cars with zero depreciation cover.