Maruti Suzuki Swift Car Insurance

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

The Maruti Suzuki Swift is a popular hatchback car in India, known for its comfort and durability. Due to its promising mileage, which ranges between 24.8 and 25.75 kmpl, it is an ideal choice for both urban and rural commutes. However, despite its efficient mileage, the car remains vulnerable to various road hazards that can lead to costly repairs or losses.

For example, consider a scenario where a family takes the Maruti Suzuki Swift for an outing. After a fun day out, while returning home, the car hits a pothole on the road. This accident can cause damage to the car's suspension or undercarriage. Repairing such damages without insurance could lead to significant out-of-pocket expenses. However, with car insurance, you can cover such repair and replacement expenses.

At IndusInd General Insurance (formerly known as Reliance General Insurance), we offer an affordable Maruti Suzuki Swift insurance price that starts at ₹308/month*.

In addition to standard insurance coverage for the Maruti Suzuki Swift, several unique add-ons enhance protection and convenience for the car owner. Not only this, but with the IndusInd Insurance app, managing insurance for your Maruti Suzuki Swift becomes extremely convenient. Through this app, you can carry out essential tasks such as buying a new policy, renewing an existing insurance plan, and filing claims in just a couple of minutes.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (formerly known as Reliance General Insurance) combines pocket-friendly premiums with a simple claim process, ensuring comprehensive protection for your Swift that keeps you financially secure at every turn.

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Swift 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 Insurance?

Legal Mandate

Whether you are driving a Maruti Suzuki Swift or any other car, having a car insurance plan in India is a mandatory requirement. Driving without third-party car insurance can invite fines and penalties from the authorities. The fine ranges between ₹ 2,000* to ₹4,000* and, in some cases, it may even lead to imprisonment for up to 3 months.

Covers Repairs Expenses

Maruti Suzuki Swift is known for its comfortable ride, making it a favourite among urban and rural drivers alike. However, despite these strengths, the Swift is not immune to damage from potholes and rough roads. Our car insurance helps cover these repair costs, protecting owners from unexpected expenses and ensuring the vehicle remains reliable.

Covers Car Theft

Car theft is a common issue in many Indian cities, such as Delhi and Chennai, with numerous cases reported regularly. Maruti Suzuki Swift, being one of the most popular cars on the road, can also be a target for theft. IndusInd car insurance ensures protection against such losses by covering the cost of theft.

Covers Natural Disasters

Incidents of natural disasters, such as floods and earthquakes, are common in many parts of India. These incidents can cause severe damage to vehicles. For instance, flood water can cause damage to the Maruti Suzuki Swift engine. However, with our car insurance plan, you can easily protect your vehicle against such hefty expenses.

Covers Fire and Fire-Related Damage

Fire damage to a vehicle like the Maruti Suzuki Swift can be devastating and often irreparable. Our car insurance coverage protects against losses caused by fire, including accidental fires or related incidents, ensuring that owners are compensated for the damage without having to bear the full financial burden.

Network Garages and Spare Parts

Being a widely used car, the Maruti Suzuki Swift deserves repair and maintenance at trusted and reliable garages that use genuine parts. With our extensive network of over 11,000 garages* nationwide, we guarantee timely and seamless repair services, ensuring the best care for your Swift.

Types of Maruti Suzuki Swift Insurance Plans

Comprehensive Car Insurance

This plan offers complete coverage to the Maruti Suzuki Swift against own vehicle damage and third-party damage. For instance, while parking your Maruti Suzuki Swift in a narrow lane, you accidentally hit another vehicle. This minor collision causes damage to your vehicle as well as others. In such a scenario, IndusInd's comprehensive car insurance plan covers the repair costs of both vehicles.

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Pay As You Drive Car Insurance

This insurance plan is designed for Maruti Suzuki Swift owners who don’t clock high mileage regularly. This insurance option calculates premiums based on the actual distance driven. You can select a yearly kilometre cap that suits your usage, with an allowance for extra kilometres beyond the chosen limit. Unused kilometres can be rolled over to the next year, and you can also top up if you exceed your plan.

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Third Party Car Insurance

This car insurance plan is legally mandatory in India, no matter what car you own. This plan is not only affordable but also crucial. It covers third-party and property damages caused by insured vehicles. At IndusInd General Insurance, we offer third-party car insurance with options ranging from 1 to 3 years* for new car owners. This ensures that you remain compliant without the worry of annual renewals.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance protects your vehicle from financial losses caused by accidents, theft, fire, floods, and storms. The policy helps manage repair and replacement costs arising from unforeseen events. Coverage duration can be aligned with your existing TP insurance tenure.

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Key Features

Key Features of Car Insurance in Maruti Suzuki Swift

IndusInd General Insurance offers various car insurance plans with a unique set of features that align with your Maruti Suzuki Swift driving experience.

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 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 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 Swift Insurance Add-On Covers

Being widely used, the Maruti Suzuki Swift is prone to various damages, such as engine damage from flood water and tyre damage from driving on poor roads. In such situations, basic insurance coverage is often not enough. That’s why we offer a unique range of add-ons to protect your Maruti Suzuki Swift in various scenarios.

Nil Depreciation

Nil depreciation cover offers reimbursement to the fibre, plastic and rubber parts without factoring in depreciation. With this add-on, you can save hefty out-of-pocket expenses for Maruti Suzuki Swift repairs.

Pay As You Drive

It is for owners who occasionally drive their car. The premium is based on the kilometres driven. You can select the 2,500–10,500 km* with a 125 km* buffer; carry forward unused kilometres or top up if needed.

Return to Invoice

In the event of total loss or damage, this cover helps in receiving the full invoice amount of your Suzuki Swift car. The add-on not only covers the vehicle ex-showroom price but also the registration and taxation fees.

Engine & Gearbox Protection

Though the Swift is reliable, engine repairs can still be expensive, increasing your personal costs. This cover takes care of repair or replacement expenses for engine damage caused by water ingress, oil leaks, etc.

Car Tyre Protection Cover

This add-on protects your Maruti Suzuki Swift by covering the repair or replacement costs for damaged tyres. It is especially useful for damage caused to tyres by rough roads, punctures, bursts, or bulges.

Key & Lock Replacement

This coverage takes care of the cost to replace lost, stolen, or damaged keys, including smart-key reprogramming and lock set repairs. It is ideal for modern vehicles which come with valuable key fobs.

Consumable Expenses

It covers the cost of consumable items such as nuts, bolts, oils and brake fluids, which usually increase repair expenses. It’s especially helpful if your Maruti Suzuki Swift often drives on rough or dusty roads.

RIM Protection

It safeguards the stylish alloys or steel wheels of your Maruti Suzuki Swift, which are not covered by standard policies. It covers the repair or replacement costs of rims damaged due to curbs, rough roads, or accidents.

Roadside Assistance

Whenever you need assistance, whether it is emergency towing or on-site repairs, you can reach out through our helpline or the IndusInd Insurance app. This round-the-clock support is ideal for frequent Maruti Suzuki Swift drivers.

Personal Belongings

Protects expensive items like laptops or phones valued above ₹5,000* if they are stolen from your locked Maruti Suzuki Swift. This coverage is ideal for professionals who carry essential work devices in their vehicles.

Daily Allowance Benefit

If the vehicle requires repairs at an authorised workshop that last more than three days*, this add-on offers a daily cash allowance. It helps cover the cost of alternative transportation, such as cabs or public transit.

EMI Protection Cover

In case your Swift is under repair for an extended period exceeding 21, 42, or 63 days*, this add-on covers your monthly car loan EMIs. Covering these payments alleviates financial stress during long repair durations.

No Claim Bonus (NCB) Retention Cover

It allows you to retain your valuable no claim bonus discount even after making up to 2 claims* in the policy year. It protects your premium savings by ensuring that a single claim does not affect your renewal benefits.

Electrical Accessories Cover

This add-on protects the electrical fittings you have installed in your Swift, such as audio systems, parking sensors, etc. Such accessories are excluded from the standard plan, but this add-on offers enhanced security.

Non‑Electrical Accessories Cover

This add-on provides coverage to vehicle owners for items such as alloy wheels, custom seat covers, bumper guards, and decorative trims against theft or damage. This add-on keeps your car’s unique style intact.

How to Buy

How to Buy/Renew Maruti Suzuki Swift 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 Insurance Premium

Several factors contribute to the Maruti Suzuki Swift insurance price, including the vehicle's age, the car's IDV, and others. Let us understand these factors in detail.

Maruti Suzuki Swift IDV

IDV, also known as Insured Declared Value, is basically the current market value of the car. Vehicle owners need to choose an IDV at the time of purchasing a plan. It plays a crucial role in determining the premium. The higher the IDV of the car, the higher the car insurance premium.

Car Make and Model

The car make and model also play a significant role in car insurance premiums. This generally includes engine capacity, fuel type, model, and other relevant details. A car with a higher engine capacity generally has a higher premium due to the hefty repair costs in case of an accident.

Type of Coverage

When considering insurance for the Maruti Suzuki Swift, the type of coverage significantly impacts the cost. Third-party insurance is usually more affordable, whereas comprehensive plans have higher premiums due to the broader protection they offer.

Add-on Covers

While add-ons increase your insurance premium slightly, they extend coverage to important components like tyres, rims, keys, and locks that basic policies often exclude. These additions can save you from large repair bills by covering parts based on your needs.

Claim History

A claim history also plays a crucial role in deciding the Maruti Suzuki Swift insurance price. A frequent claim indicates a higher-risk driver, resulting in a higher premium. Therefore, it is crucial to maintain the claim history.

Anti-theft Device

Using an IRDAI-approved anti-theft device on your car also helps in reducing the car insurance premium. An anti-theft device enhances the security of the Maruti Suzuki Swift, which lowers the insurance provider's risk, and they reward this by offering a discount on the premium.

Maruti Suzuki Swift Key USPs

Maruti Suzuki Swift is known for its dynamic design. With its muscular wrap-around shoulder lines, sharp grille, precision-cut alloy wheels, and LED headlamps all contribute to a visually dynamic and stylish exterior that appeals to modern tastes. While the Swift’s design is robust, car insurance offers financial security to vehicle owners for unexpected events that could affect their car's appearance.

Because of its agile handling, responsive steering and stiffer suspension, Maruti Suzuki Swift is able to handle urban and rural commutes. The car offers an enjoyable riding experience to all passengers. Despite its smooth handling, sudden bumps and potholes on the road can disturb the experience and cause damage to the car. However, with car insurance in place, you do not have to think about finances when a car gets damaged by hitting a pothole.

Maruti Suzuki Swift is recognised for its excellent fuel efficiency, making it an ideal choice for daily commuting and long drives. Despite its excellent fuel efficiency, the car engines get damaged due to unexpected events such as water ingress, fuel leakage, etc., which require costly repairs. Under such a situation, a comprehensive car insurance plan with an engine protection add-on will provide you with security.

The car is value for money because of its low maintenance and affordable ownership. With prices starting at ₹6.49 lakh, the Maruti Suzuki Swift is comfortably within the reach of many buyers in India. However, vehicle owners take their protection to another level by insuring the car from unexpected accidents or component faults.

How to File?

How to File a Maruti Suzuki Swift 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 - Models and Prices

The Maruti Suzuki Swift is available in various variants, depending on the fuel type and transmission. Each of these variants is known for its stylish design and performance. Let us have a look at the different Maruti Suzuki Swift models and prices.

Maruti Suzuki Swift	Price (as of August 2025)#
Maruti Suzuki Swift LDI (Diesel)	₹5,99,000
Maruti Suzuki Swift LXI (Petrol)	₹5,99,450
Maruti Suzuki Swift LDI Optional (Diesel)	₹6,19,000
Maruti Suzuki Swift VXI (Petrol)	₹6,95,000
Maruti Suzuki Swift ZXI (Petrol)	₹ 7,63,000
Maruti Suzuki Swift ZXI AMT (Petrol)	₹8,18,000
Maruti Suzuki Swift ZXI Plus (Petrol)	₹8,34,000
Maruti Suzuki Swift ZXI Plus Dual Tone (Petrol)	₹8,35,000
Maruti Suzuki Swift ZXI Plus AMT Dual Tone (Petrol)	₹8,85,000
Maruti Suzuki Swift ZXI Plus AMT (Petrol)	₹8,89,000

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

The Maruti Suzuki Swift, being an ideal hatchback for small and middle-class Indian families, requires proper car insurance coverage. The insurance coverage protects cars against various types of damage and loss. Whether it is flood damage to a car engine or a tree branch that fell on your Swift, the insurance plan will cover the unexpected expenses.

When it comes to affordable car insurance plans, we at IndusInd General Insurance (previously known as Reliance General Insurance) offer customised plans based on your vehicle needs. With over 11,000+ network garages* spread across the country, getting your Maruti Suzuki Swift ready after damage is easy without paying any upfront fees.

Not only this, but the IndusInd Insurance app also makes the buying and renewing process seamless. You can also use the video call feature for self-inspection for registering a claim through the app. With this application, you will be able to access all your policy documents in one single place. Secure your Maruti Suzuki Swift now with our cost-effective car insurance plans.

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.

Swift insurance starting at just ₹308 per month*

Your Swift, our priority!

Comprehensive coverage for damage, fire, and theft, with 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)

Can I claim the Maruti Suzuki Swift Insurance if I forgot to renew the policy?

If you forgot to renew the car insurance policy, then you cannot raise a claim for accidental or other kinds of damage. Under such a situation, the policy is considered lapsed, and policyholders won’t get any benefit.

Can a no-claim bonus be rejected?

Yes, a no-claim bonus can be rejected or lost if you file a claim during the policy tenure. It is a reward only offered when the policyholder does not file a claim during policy tenure. However, if you have a no-claim protection cover, then you can file one claim during policy tenure without losing your accumulated bonus.

Does the Maruti Suzuki Swift come with the ADAS feature?

No, the current version of Maruti Suzuki Swift in India does not come with ADAS features like lane assist, blind spot monitor, adaptive cruise control and traffic sign recognition.

Can I transfer the Maruti Suzuki Swift insurance?

Yes, it is possible to transfer your Maruti Suzuki Swift insurance when you sell or transfer ownership of the car. In India, transferring the insurance policy to the new owner is mandatory to ensure legal compliance and avoid future liabilities.