Maruti Suzuki Ritz Car Insurance

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

A The Maruti Suzuki Ritz is a compact hatchback known for its smart design, fuel efficiency, and smooth driving experience. Whether you're commuting through city traffic, heading out for a weekend getaway, or simply running errands, the Ritz delivers comfort and reliability every time. But even the most dependable cars need protection and that’s where IndusInd car insurance comes in.

For instance, urban driving often involves tight parking spots and unpredictable traffic, which can lead to minor dents or scratches. With our comprehensive car insurance plan, such damages can be covered under the Zero Depreciation add-on, ensuring you get full claim value without deductions for wear and tear.

Car insurance is also a mandatory requirement for all car owners in India. So, your Maruti Suzuki Ritz must be insured with at least a third-party car insurance plan.

You can do this by partnering with IndusInd General Insurance (formerly Reliance General Insurance). You can quickly buy your policy online and save it on your phone via the IndusInd Insurance app. This way, you've always got your insurance papers with you!

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (previously known as Reliance General Insurance) offers access to a wide range of add-ons, a simple claim process, 24x7 customer support and a strong cashless garage network, all designed to keep your Maruti Suzuli Ritz protected.

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Ritz 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 Ritz Insurance?

Legal Mandate

Owning a car in India comes with legal responsibilities, and one of the most important is having valid car insurance. Whether you drive your Ritz daily or occasionally, third-party insurance is mandatory. Without it, you risk fines ranging from ₹2,000 to ₹4,000 and even imprisonment up to 3 months, depending on the severity of the violation.

Covers Car Repairs

The Maruti Suzuki Ritz is built for smooth city drives, but urban roads can be unpredictable. Potholes, minor collisions, and bumper-to-bumper traffic can lead to dents, scratches, or mechanical issues. With comprehensive car insurance, you’re protected from repair costs, ensuring your Ritz stays in top condition without draining your wallet.

Covers Car Theft

Car theft is a real concern, especially in crowded cities and unsecured parking areas. If your Ritz is stolen, comprehensive insurance helps you recover the Insured Declared Value (IDV). And if you’ve opted for the Return to Invoice add-on, you can get reimbursed for the full invoice value of your car, offering complete financial protection.

Covers Natural Disasters

Monsoons, floods, and landslides can cause serious damage to your Ritz, especially to its engine and electrical systems. Standard policies may not cover such events, but with the right add-ons like Engine Protection, your insurance can cover repair and replacement costs, helping you avoid unexpected expenses due to natural calamities.

Covers Fire and Fire-Related Damage

Fire damage, though rare, can occur due to electrical faults, lightning strikes, or external sources. These incidents can lead to costly repairs or even total loss. With fire coverage included in your policy, you’re financially protected against such risks, ensuring peace of mind and minimal out-of-pocket expenses in case of emergencies.

Network Garages and Spare Parts

While spare parts for the Ritz are widely available, not all garages use genuine components. Counterfeit parts can wear out quickly and cause long-term damage. With IndusInd’s network garages, you get access to certified service centers that use original parts, ensuring high-quality repairs and long-term reliability for your vehicle.

Types of Maruti Suzuki Ritz Car Insurance Plans

Comprehensive Car Insurance

Get complete protection for your Ritz with a comprehensive policy that covers both own damage and third-party liabilities. From accidental repairs to natural disasters and theft, this plan ensures your car is protected against multiple risks. You can also enhance coverage with 15+ add-ons for added peace of mind.

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Pay As You Drive Car Insurance

A smart, usage-based insurance plan for Ritz owners who drive less. Premiums are calculated based on actual kilometers driven, with coverage options ranging from 2,500 to 10,500 km and a 125 km grace buffer. Ideal for those working from home, owning multiple vehicles, or using public transport frequently.

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Third Party Car Insurance

This affordable plan covers damages caused to third-party vehicles, property, or injuries during an accident involving your Ritz. It ensures legal compliance and financial protection. A 5-year third-party policy is also available for new car owners, making it a hassle-free long-term solution.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) car insurance offers financial coverage against accidental damages, theft-related losses, fire incidents, and natural disasters. It helps reduce the burden of expensive repairs and vehicle damages during emergencies. The policy works together with your active third-party insurance.

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Key Features

Key Features of IndusInd Maruti Suzuki Ritz Insurance

IndusInd General Insurance offers features designed specifically for how and where a Maruti Suzuki Ritz is typically driven, whether it is urban traffic, village roads or long highway journeys.

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 Ritz 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 Suzuki Ritz 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: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here

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Maruti Suzuki Ritz Insurance Add-On Covers

Add-ons are a smart way to enhance your base policy coverage, especially if you want tailored protection for your Ritz. For instance, the PAYD cover suits drivers who prefer personalised premium rates based on actual car usage, while the tyre protection add-on is ideal for those frequently navigating uneven city roads. At IndusInd General Insurance, we offer 15+ add-on covers* for your Ritz, giving you the flexibility to customise your insurance plan based on your driving habits and lifestyle.

Nil Depreciation Cover

Get full claim value without deductions for part depreciation. Covers plastic, rubber, glass, battery, and AC components, ensuring maximum reimbursement during repairs.

Pay-As-You-Drive Insurance

Smart, usage-based plan where premiums are calculated based on actual kilometers driven. Ideal for Ritz owners who drive occasionally or use alternate transport.

Return to Invoice Cover

Adding a child to the family is a joyous occasion for parents. It is also an important milestone for every couple as they get an added responsibility for the child. While pregnancy and childbirth are wonderful experiences, they can prove expensive too.

Emergency Hotel Accommodation

Offers financial support for hotel stays during unexpected breakdowns or accidents while travelling, ensuring comfort and safety away from home.

Engine Protection Cover

Safeguards your Ritz’s engine against damage from water ingression, oil leakage, or flooding. Covers repair and replacement costs for critical engine components.

Tyre Protection Cover

Covers repair or replacement costs for tyre damage due to cuts, bursts, or bulges caused by poor road conditions, potholes, or sharp debris.

24x7 Roadside Assistance

Round-the-clock emergency support including towing, flat tyre help, fuel delivery, battery jump-start, and minor repairs — wherever your Ritz takes you.

Loss of Personal Belongings

Compensates for loss or theft of personal items like laptops or phones from your Ritz during accidents, theft, or burglary while parked in a secure location.

Daily Allowance Benefit

Provides daily travel allowance if your Ritz is under repair for more than 3 days post claim approval, helping you stay mobile during service delays.

NCB Retention Cover

Protects your No Claim Bonus even after a claim is made, ensuring you retain your discount benefits when renewing your Ritz car insurance policy.

Total Cover

A bundled protection plan covering own damage, third-party liability, theft, fire, and more — offering complete peace of mind for your Ritz.

Geo Extension

Extends your Ritz’s insurance coverage beyond standard geographical limits, ideal for cross-border travel or long-distance road trips.

Electrical Accessories

Covers damage or loss of advanced electrical components like infotainment systems, sensors, and other tech upgrades installed in your Ritz.

Non-Electrical Accessories

Provides coverage for custom modifications and non-electronic add-ons like seat covers, alloy wheels, and body kits fitted to your Ritz.

How to Buy

How to Buy/Renew Maruti Suzuki Ritz 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 Ritz Car Insurance Premium

Your Maruti Suzuki Ritz insurance premium is calculated based on key parameters that reflect your car’s usage, condition, and coverage preferences. Understanding these factors can help you optimize your plan and reduce costs while ensuring adequate protection.

Ritz’s IDV

IDV refers to your Ritz’s current market value. A higher IDV increases your premium but ensures better claim payouts in case of total loss or theft. You can select your preferred IDV while buying or renewing your policy.

Type of Coverage

Choosing between third-party and comprehensive plans directly impacts your premium. Comprehensive plans with add-ons offer broader protection but come at a higher cost.

Add-On Covers

Add-ons like tyre protection, engine cover, and key replacement enhance your coverage but also raise your premium. The more add-ons you choose, the higher your overall insurance cost.

Car’s Make and Model

Your Ritz’s variant, fuel type (petrol or diesel), and engine capacity influence the premium. Higher engine capacity or commercial use may lead to increased insurance rates.

Claim History

If you haven’t made any claims in the past year, you may qualify for a No Claim Bonus, reducing your premium. Frequent claims, however, can result in higher renewal costs.

Installing Anti-Theft Devices

Equipping your Ritz with IRDAI-approved anti-theft devices signals enhanced vehicle security. This can help lower your premium by reducing the risk of theft-related claims.

Maruti Suzuki Ritz Key USPs

The Maruti Suzuki Ritz is known for its peppy engine and impressive fuel efficiency, making it ideal for daily commutes and long drives alike. Its refined petrol and diesel variants offer smooth acceleration and minimal vibrations, ensuring a pleasant driving experience. However, frequent city driving or long-distance travel can lead to wear and tear. Having car insurance helps cover unexpected repair costs and keeps your Ritz performing at its best.

Designed for urban agility, the Ritz’s compact dimensions and elevated stance make it easy to navigate through tight lanes and crowded streets. Its stylish exterior and high seating position offer both visibility and aesthetic appeal. While its compact size is a boon for city driving, minor scratches and dents are common. With car insurance, you can get these repaired without worrying about out-of-pocket expenses.

Equipped with dual airbags, ABS, and a reinforced body structure, the Ritz prioritises passenger safety. Its responsive braking system and stable handling make it a reliable choice for families and solo drivers alike. Still, no car is immune to accidents. That’s why having comprehensive car insurance ensures that you’re financially protected against collision-related damages and medical expenses.

The Ritz offers a spacious cabin with ergonomic seating, ample legroom, and smart storage options. Whether it’s a short city trip or a long weekend getaway, the interiors are designed to keep passengers relaxed and comfortable. However, regular use can lead to interior wear or accidental damage. Car insurance can help cover repair or replacement costs, keeping your Ritz looking and feeling new.

With low maintenance costs, affordable spare parts, and excellent fuel economy, the Ritz is a smart choice for budget-conscious buyers. Its reliable performance and wide service network make it easy to maintain. But even cost-effective cars need protection. Insurance helps you manage unexpected expenses like breakdowns, theft, or natural disasters — ensuring your ownership remains truly economical.

How to File?

How to File a Maruti Suzuki Ritz 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 Ritz- Models and Prices

The Maruti Suzuki Ritz is available in multiple variants. There is a Maruti Suzuki Ritz model to match your needs.

Maruti Suzuki Ritz Models	Ex Showroom Price
Maruti Ritz LXi (Base Model) Manual \| Petrol	Rs. 4.30 Lakh
Maruti Ritz Genus VXi Manual \| Petrol	Rs. 4.52 Lakh
Maruti Ritz Elate Edition VXi Manual \| Petrol	Rs. 4.77 Lakh
Maruti Ritz VXi Manual \| Petrol	Rs. 4.89 Lakh
Maruti Ritz VXi (ABS) Manual \| Petrol	Rs. 5.14 Lakh
Maruti Ritz Genus VDi (Base Diesel) Manual \| Diesel	Rs. 5.32 Lakh
Maruti Ritz ZXi Manual \| Petrol	Rs. 5.50 Lakh
Maruti Ritz LDi Manual \| Diesel	Rs. 5.50 Lakh
Maruti Ritz Elate Edition VDi Manual \| Diesel	Rs. 5.79 Lakh
Maruti Ritz VDi Manual \| Diesel	Rs. 5.98 Lakh
Maruti Ritz VXI AT (Top Model) Automatic \| Petrol	Rs. 6.14 Lakh
Maruti Ritz VDI (ABS) Manual \| Diesel	Rs. 6.17 Lakh
Maruti Ritz ZDi (Top Model) Manual \| Diesel	Rs. 6.58 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

If you use your Maruti Suzuki Ritz for daily commutes, quick errands, or weekend family drives, you already understand the value of this smart and reliable hatchback. While the Ritz is built for smooth urban driving, it’s still vulnerable to unexpected events like traffic accidents, parking lot scrapes, or even theft.

That’s why protecting your Ritz with a car insurance plan is essential. With IndusInd Maruti Suzuki Ritz Insurance (formerly Reliance Maruti Suzuki Ritz Insurance), you get coverage starting at just ₹308/month*, backed by 24/7 support and a seamless digital-first experience.

We cover accidents, fire damage, and natural disasters like floods and earthquakes. You also get legal protection through our third-party liability cover.

Plus, with access to 11,000+ network garages*, you won’t need to pay upfront for repairs, we settle the bill directly. You can even file claims from your phone using the IndusInd Insurance app, thanks to our video claims feature.

Don’t wait! Protect your Maruti Suzuki Ritz today with a personalized car insurance plan that’s built around your lifestyle.

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.

Ritz insurance starting at just ₹308 per month*

Your Ritz, fully protected!

Get coverage for accidents, fire, and theft, plus add-ons for extra convenience.

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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)

What is the cost of insurance for the Maruti Ritz?

Your Ritz car insurance price depends on your car’s age, IDV, location and the plan you pick. A basic third-party plan starts lower, while a comprehensive plan costs more but covers a lot more ground. You can check your exact Maruti Ritz insurance amount instantly using our online calculator.

What is the best car insurance plan for my Ritz?

If you drive your Ritz daily, a comprehensive plan with add-ons like engine protection and nil depreciation gives you the best coverage. It covers your own car plus third-party damages. Compare plans and check your Ritz car insurance price online to find what fits your needs and budget.

Which documents are required for a Ritz car insurance claim?

To file a claim on your Maruti Ritz insurance, you will typically need your RC, policy copy, driving licence FIR copy, if applicable and repair bills. For reimbursement claims, keep all garage receipts handy. Having these ready speeds up the process and helps get your claim settled faster.

What is NCB in car insurance for my Ritz?

NCB or No Claim Bonus is a discount you earn every year you don’t make a claim on your Maruti Suzuki Ritz insurance. The longer you go without a claim, the bigger your discount gets at renewal — helping you save a good amount on your yearly premium.

Do I need to buy insurance for my second-hand Ritz?

Yes, absolutely. Whether your Ritz is brand new or bought second-hand, having valid Maruti Suzuki Ritz insurance is legally required in India. When buying a used Ritz, make sure the existing policy is transferred to your name or buy a fresh plan before driving it.