Maruti Suzuki Swift Dzire Car Insurance

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

A The Maruti Suzuki Swift Dzire has long been one of India’s most trusted sedans, known for its sleek design, fuel efficiency and comfortable interiors. Perfectly balancing style with practicality, it meets the needs of young professionals, families and drivers in both urban and small-town settings who value comfort without compromising on economy. However, even a car as reliable as the Dzire can face the unexpected challenges of daily traffic.

For instance, the Dzire's sleek bumper, a key part of its modern aesthetic, can be damaged in the tight confines of city parking or bumper-to-bumper traffic. Such incidents, though common, can be frustrating and expensive to deal with, and this is exactly where having IndusInd car insurance becomes invaluable. By covering repair costs for accidental damages, we ensure that everyday mishaps do not turn into headaches.

Along with protecting you from repair expenses, we offer access to a network of over 11,000+ garages so you can be assured of cashless repairs almost anywhere you travel. And if your Dzire breaks down, our free towing* ensures that your car is safely taken to the nearest network garage. Plus, our digital-first approach lets you get a policy easily via the IndusInd Insurance app, offering unmatched convenience and seamless coverage from the very start.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

Protect your Maruti Suzuki Swift Dzire with IndusInd General Insurance’s add-ons, smooth claim process, 24x7 helpdesk, and strong cashless garage network.

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Swift Dzire 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 Swift Dzire Insurance?

Legal Mandate

Having valid car insurance for your Swift Dzire is a legal obligation under the Motor Vehicles Act, 1988. Driving your vehicle without at least a third-party policy can lead to a fine of ₹2,000 for the first offence, which doubles to ₹4,000 for subsequent offences. In serious cases, it could also result in imprisonment for up to 3 months.

Covers Car Repairs

fascia give it a standout presence on the road, but city driving hazards like tight parking spaces and minor collisions can damage these signature features, leading to costly repairs. Car insurance helps cover these expenses, ensuring your Dzire retains its stylish look without putting a strain on your wallet.

Covers Theft

The Maruti Suzuki Swift Dzire ranks as the 5th most frequently stolen car in India. With prices reaching up to ₹10.19 lakhs, theft can be a significant financial blow. Comprehensive car insurance protects you in such cases by paying your Swift Dzire’s Insured Declared Value (IDV). And with the Return to Invoice add-on, you can even receive the full invoice amount, protecting you fully from loss due to theft.

Covers Natural Disasters

Natural disasters like heavy storms, floods or earthquakes can cause extensive damage to your Swift Dzire. For instance, a hailstorm can leave hundreds of dents on the body and shatter windows, while an earthquake can cause falling debris to crush your car. With car insurance, you are protected against repair or replacement costs arising from such unforeseen events, easing financial stress after calamities.

Covers Fire and Fire-Related Damage

Imagine your Swift Dzire parked on a busy city street when a nearby transformer explodes or an electrical short-circuit in a nearby vehicle sparks a fire. The flames spread, and your Dzire catches fire too, leaving the bodywork and interiors severely damaged. In such a scenario, car insurance can cover the cost of repairing or replacing damaged parts, protecting you from hefty expenses and helping restore your Dzire quickly.

Network Garages and Spare Parts

Local garages may use low-quality, non-genuine parts for repairs, compromising your Swift Dzire's safety and performance.

With IndusInd General Insurance’s wide network of 11,000+ garages*, you can be assured of quality repairs using original Maruti Suzuki parts. This guarantees the integrity and longevity of your vehicle, protecting both your investment and your safety on the road.

Types of Maruti Suzuki Swift Dzire Insurance Plans

Comprehensive Car Insurance

his all-inclusive car insurance plan protects your Maruti Suzuki Swift Dzire from accidents, fire, theft, natural disasters and man-made events. Additionally, it includes third-party liability coverage for damage caused to others. For example, if you accidentally sideswipe a vehicle while changing lanes, your policy will cover repair costs for both cars, shielding you from unwanted expenses.

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Pay As You Drive Car Insurance

This usage-based policy lets you pay premiums based on how much you actually drive. You can choose from 2,500–10,500 km* of coverage, with an extra 125 km grace buffer* for unexpected trips. It helps keep insurance costs affordable and is perfect for Swift Dzire owners who use their car occasionally or own multiple vehicles, offering flexibility without compromising protection.

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Third Party Car Insurance

This plan covers damages or injuries caused to others in an accident, ensuring you are not liable for the resulting costs. For instance, if your Dzire accidentally hits a pedestrian’s bicycle while turning at a corner, the insurance will cover the repair expenses. Affordable and flexible, this plan can be purchased for up to 3 years, ensuring continuous protection and compliance with legal requirements.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance offers financial protection against damages caused by accidents, theft, fire, and weather-related events. The policy helps keep your vehicle protected from unforeseen repair costs and losses. Coverage tenure can be matched with your existing TP insurance policy.

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Key Features

Key Features of IndusInd Maruti Suzuki Swift Dzire Insurance

IndusInd General Insurance (formerly known as Reliance General Insurance) offers a wide range of features designed to provide the best possible protection for your Swift Dzire. Whether you are a new owner seeking comprehensive coverage or a seasoned driver looking for basic protection with extra benefits, our plans are tailored to fit every Swift Dzire owner's needs.

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 Swift Dzire 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 Swift Dzire 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

Buy your Maruti car insurance from IndusInd today!

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Maruti Suzuki Swift Dzire Insurance Add-On Covers

Add-ons provide a vital layer of protection against risks not covered by a standard policy. At IndusInd General Insurance (previously known as Reliance General Insurance), we offer 15+ thoughtfully designed add-ons, allowing you to personalise your plan and enjoy coverage that is not only robust but also tailored to your unique needs. Explore the list of add-ons below to choose the ones best suited for your Swift Dzire -

Nil Depreciation Cover

Money Saver

We ensure you get full repair and replacement costs without any deduction for depreciation. It covers up to two claims a year and is a smart choice for those who want to avoid unexpected expenses during repairs.

Pay As You Drive

Money Saver

Lets you pay for the coverage you need, helping reduce insurance costs while ensuring complete protection whenever you are on the road. You can select from 2,500 to 10,500 km* per year and top up if needed.

Return to Invoice

Money Saver

You receive the full invoice value of your Maruti Suzuki Swift Dzire if it is stolen or declared a total loss. This way, you can replace your car without any extra out-of-pocket expenses.

Engine Protection

Extra Car Protection

Provides financial protection for your Swift Dzire's tyres against damage (like cuts, bulges or bursts) from road hazards. Especially beneficial for those who frequently drive on rough or uneven roads.

Key & Lock Replacement

Extra Car Protection

Covers replacement or repair of lost, stolen or damaged keys. It also includes smart key reprogramming and lockset repairs, ensuring your vehicle's security system functions properly without extra costs.

Consumable Expenses

Extra Car Protection

Pays the cost of consumables like engine oil and bolts, often needed after accidents. A smart choice for Dzire owners who want to avoid out-of-pocket expenses associated with these small but necessary parts.

RIM Protection

Extra Car Protection

Protects your Dzire’s rims against damage caused by accidents or poor road conditions. Especially useful for Dzire owners who drive on rough roads, live in areas with heavy traffic or want extra protection.

24/7 Roadside Assistance

Extra Car Protection

Helps you get quick assistance in case of a breakdown, flat tyre, dead battery or if you run out of fuel. Ideal for Dzire owners who travel long distances or commute in areas with limited service stations.

Personal Belongings

Extra Car Protection

Covers personal belongings in your Swift Dzire, providing compensation if items worth over ₹5,000* are stolen or damaged in an accident. Beneficial for those who carry valuables while travelling in their car.

Daily Allowance Benefit

Best Seller

Provides a daily allowance if your Swift Dzire is under repair for more than 3 days after an accident, helping cover transport costs during the downtime. Perfect for Dzire owners who use their cars daily.

EMI Protection Cover

Money Saver

EMI Protection covers your car loan EMIs (based on the selected tenure) if your Dzire stays in the garage after an accident for more than 21, 42 or 63 days*, helping prevent financial strain during extended repair periods.

No Claim Bonus (NCB) Retention Cover

Money Saver

Protects your No Claim Bonus (NCB) even if you make a claim. Instead of your NCB resetting to zero after a claim, it is retained, allowing you to still get a discount on your next renewal premium. Will cover up to 2 claims per year*.

Electrical Accessories Cover

Best Seller

Protects non-factory-fitted electrical accessories, such as music systems, speakers, etc., ensuring you get compensated for their repairs or replacements, keeping your car’s custom features intact.

Non-Electrical Accessories Cover

Extra Car Protection

Covers your Swift Dzire’s custom non-electrical parts like seat covers, spoilers and CNG kits against theft or accidental damage, helping you preserve your car's style and value without extra expense.

Geo Extension Cover

Adventure & Travel

You can extend your Swift Dzire insurance coverage to India’s six selected neighbouring countries*, such as Nepal, Bhutan and Sri Lanka, ensuring seamless protection during cross-border travel.

How to Buy

How to Buy/Renew Maruti Suzuki Swift Dzire 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 Swift Dzire Insurance Premium

Your Swift Dzire’s insurance premium is not a fixed number; it is shaped by key factors you can leverage to get the best value. Here is a breakdown of the main aspects influencing your premium -

Dzire’s IDV

The Insured Declared Value (IDV) represents the current market value of your Swift Dzire. A higher IDV means higher coverage but also higher premiums, while a lower IDV reduces premiums. Choosing a balanced IDV helps ensure adequate claim settlement without overpaying on premiums. You can adjust it at renewal to reflect your car’s true value, protecting yourself from underinsurance or high costs.

Type of Coverage

A comprehensive car insurance policy covers damages to your Swift Dzire as well as any third-party damages, providing complete financial protection at a higher premium. In contrast, third-party car insurance only covers damages you cause to others, resulting in lower premiums but limited protection. Adding optional covers raises the premium further while ensuring better claim benefits.

Add-On Covers

Add-on covers enhance the protection of your Swift Dzire beyond the base policy, but they do come at an extra cost. However, you can leverage them strategically by choosing only those add-ons that match your car’s age, usage and risk exposure and your driving habits and local conditions. This way, you can maximise protection while keeping premiums reasonable, ensuring better claim settlements without overpaying.

Car’s Make and Model

Higher-end Swift Dzire variants or those with expensive parts attract a higher premium while basic variants with easily available spare parts have relatively affordable premiums. Overall, the Swift Dzire insurance price is moderate compared to other cars in its segment, especially due to its small engine, reliable build, fuel-efficient design, widespread availability of spare parts and strong resale value.

Claim History

If you have a history of making frequent claims, your insurer will see you as a higher-risk driver, which results in a higher premium at renewal. Conversely, a clean claim history qualifies you for a No-Claim Bonus (NCB). For every claim-free year, you earn a discount on your premium, which can accumulate to up to 50%, helping you reduce your Swift Dzire insurance price significantly.

Installing Anti-Theft Devices

Installing anti-theft devices is a great way to lower your Swift Dzire's premium. Insurers offer discounts because a secured car is less likely to be stolen, reducing their risk. An ARAI-approved device will get you the best discount. By taking these proactive steps, you not only protect your car but also get a reward in the form of a lower premium. It is a win-win for both you and your insurer.

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 Swift Dzire Key USPs

Blending sleek curves, chrome touches and projector headlamps, the Swift Dzire stands out as a stylish sedan in its segment. Yet, even a minor accident or parking mishap can scratch, dent or damage these signature design elements. Such repairs can be costly, especially for painted panels and trims. Car insurance covers these damages, helping your Dzire maintain its signature, stylish look affordably.

The Dzire is known for its spacious seating, ample legroom and a generous boot space of 378 litres, making it ideal for city commutes, family outings and long highway drives. However, driving through congested city streets or exploring unfamiliar roads increases the risk of damage, including bumper dents, scratches in tight parking spaces or underbody impacts from potholes and sudden obstacles. IndusInd car insurance covers these damages, allowing you to maintain your Dzire’s comfort and practicality without additional expenses.

The Maruti Suzuki Swift Dzire comes with refined 1.2-litre petrol and CNG engine options and delivers exceptional mileage of 22.61 km/litre for petrol variants and 31.12 km/litre for CNG variants. However, risks like water entering the engine during floods, oil leaks or unexpected mechanical breakdowns can cause severe engine damage, leading to costly repairs. Having car insurance with the Engine Protection Cover can ensure Dzire’s fuel-efficient heart remains safeguarded without straining your finances.

The Dzire has earned a 5-star Bharat NCAP safety rating, reflecting its strong crashworthiness and strength as a reliable and safe sedan for Indian roads. It comes equipped with 6 airbags, ABS with EBD and ISOFIX child seat mounts, enhancing protection for every passenger. While these features significantly reduce injury risk during accidents, they may still require costly repairs after impact. IndusInd car insurance can help cover the repair expenses, letting you maintain the safety and performance of your vehicle with ease.

How to File?

How to File a Maruti Suzuki Swift Dzire 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 Swift Dzire Variants and Prices

The Maruti Suzuki Swift Dzire comes in a range of variants designed to suit every type of driver, from budget-conscious commuters to those seeking premium features. With options across petrol and CNG, manual and automatic transmissions, there is a Dzire for everyone’s needs and preferences -

Maruti Suzuki Swift Dzire Variants	Price (as of September 2025)*
Dzire LXi MT (Manual \| Petrol)	₹6,83,999
Dzire VXi MT (Manual \| Petrol)	₹7,84,000
Dzire VXi AMT (Automatic \| Petrol)	₹8,34,000
Dzire VXi CNG (Manual \| S-CNG)	₹8,79,000
Dzire ZXi MT (Manual \| Petrol)	₹8,94,000
Dzire ZXi AMT (Automatic \| Petrol)	₹9,44,000
Dzire ZXi CNG (Manual \| S-CNG)	₹9,89,000
Dzire ZXi+ AMT (Automatic \| Petrol)	₹10,19,001

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 Suzuki Swift Dzire continues to hold its position as one of India’s top-selling sedans, with an impressive 16,509 units sold in August 2025 alone. Its stylish design, spacious interiors, fuel-efficient engine and advanced safety features make it a car that caters to everyone, from city commuters and office-goers to families and long-distance travellers. Reliability and affordability further cement its popularity across diverse lifestyles, making the Dzire a trusted choice on Indian roads. While the Dzire is built with dependable engineering and holds a strong 5-star Bharat NCAP rating, it still deserves the security of IndusInd car insurance to keep it flawless.

Buying a car insurance policy with us ensures that your Dzire remains protected against damages from accidents, natural calamities, theft, fire and even collisions with animals. We not only help you keep your Dzire looking and running its best while covering the cost of unexpected repairs but also protect you against third-party liabilities, ensuring complete protection on the road.

With IndusInd Maruti Suzuki Swift Dzire Insurance (formerly known as Reliance Maruti Suzuki Swift Dzire Insurance), you also gain access to a host of benefits. These include 24/7 roadside assistance*, a network of over 11,000 network garages*, free towing services* and the convenience of instant claim filing via the IndusInd Insurance app.

Do not let accidents catch you off guard! Insure your Swift Dzire at just ₹308/month* and protect every journey, from city commutes to long highway drives.

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.

Dzire insurance starting at just ₹308 per month*

Get full-circle protection for your Dzire!

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

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Prashant Test

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Quick policy issuance

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

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Seamless digital experience

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

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Noida

Limited policy options

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

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

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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.

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Frequently Asked Questions (FAQs)

Is the Maruti Dzire a good car?

Yes, the Maruti Suzuki Swift Dzire is a dependable and fuel-efficient compact sedan. Offering spacious interiors, modern safety features and strong resale value, it is a practical yet stylish choice for city driving, family trips and long journeys across India.

Is Swift expensive to maintain?

Swift is generally considered to be one of the most affordable cars to maintain in its class. Routine service costs are relatively low due to the widespread availability of spare parts and Maruti Suzuki's large service network. However, in case of damage from an accident, repair costs can be expensive. To avoid unpredictable costs and protect your investment, purchasing car insurance is a smart decision. It helps cover repair expenses, keeping your Swift running smoothly without a major financial burden.

Which category of car insurance is best?

The best category of car insurance depends on your individual needs, vehicle type and budget. Comprehensive car insurance is ideal for new or high-value cars as it covers third-party liabilities and provides coverage against theft, natural disasters and more. A third-party car insurance policy is suitable for older or low-value vehicles as it covers only damages or injuries caused to others. Own-damage insurance is useful if you already have an active third-party plan but want additional protection for repairs or damages to your own vehicle.

Is third-party insurance enough for Maruti Suzuki Swift?

This will depend on your coverage needs. If you live in a low-risk area with less traffic and low crime rates or are on a budget, a third-party plan may be enough. However, if you have live in a large metropolitan city, we recommend getting a comprehensive plan since the likelihood of filing an own damage claim goes up with these factors.

Does Dzire have a sunroof?

Yes, the Maruti Suzuki Dzire ZXi+ variants, both Manual Transmission (MT) and Automated Manual Transmission (AMT), are equipped with an electric sunroof.

How much insurance for the Suzuki Dzire?

The insurance cost for a Maruti Suzuki Dzire in India varies based on factors like variant, fuel type and coverage level. At IndusInd General Insurance (formerly known as Reliance General Insurance), we offer car insurance plans starting from ₹308 per month. To determine the exact premium, get in touch with us.

What is zero dep insurance?

Zero depreciation (zero dep) insurance is a type of car insurance policy where the insurer pays the full cost of repairing or replacing damaged parts without deducting depreciation, ensuring maximum claim coverage.

How to calculate IDV of car?

The Insured Declared Value (IDV) of a car is calculated based on its current market value. To calculate a car’s IDV (Insured Declared Value), take the vehicle’s ex-showroom price and subtract depreciation based on its age.