Maruti Suzuki Wagon R Car Insurance

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

A The Maruti Suzuki Wagon R is a popular hatchback that comes with unique features and a sporty design, making it perfect for city drivers, young families, and daily commuters. Its 1197 cc engine and practical features are ideal for weaving through traffic or running errands. However, despite its safety features, the car is not entirely immune to unexpected incidents.

Picture this: You are navigating a tight lane and accidentally end up scraping another car’s bumper. Repairs for both vehicles can cost a lot and put an additional burden on your pocket. But if you have an IndusInd car insurance policy, we make sure you are protected against such unexpected costs.

We at IndusInd General Insurance (formerly known as Reliance General Insurance) offer customised car insurance plans that start at ₹308/month*. With our unique add-ons like roadside assistance, you will get the car assistance service even in remote areas. Other add-ons, like engine security, protect you from hefty expenses for engine repair.

Beyond extensive coverage, we offer the IndusInd Insurance app to our policyholders, which allows quick access to their car policy from filing a claim, downloading the policy, locating network garages and more.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

We at IndusInd General Insurance (previously known as Reliance General Insurance) offer various handy features, including 24/7 customer support, an efficient claim process, and a wide network of garages, all designed to keep your Maruti Suzuki Wagon R protected.

Model Car

15 plus add-on covers

Customise your Maruti Suzuki Wagon R 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 Wagon R Insurance?

Legal Mandate

No matter what kind of vehicle you own, whether a luxury car or a basic car for daily commuting, you need to have a mandatory third-party car insurance plan. Driving your Maruti Suzuki Wagon R without mandatory coverage can invite a fine and penalty from the traffic authority. The fines range between ₹2,000 and ₹4,000 based on the severity of the violation, and in some cases, it can also lead to a 3-month imprisonment.

Covers Car Repairs

The Maruti Suzuki Wagon R’s compact yet spacious design makes it a favourite for city drivers and small families. Its light steering and peppy engine make squeezing through narrow lanes or busy markets effortless. However, frequent stop-and-go traffic or parking in tight spaces can increase the likelihood of damage. With Wagon R car insurance, those costs are taken care of, letting you enjoy drives without any worry.

Covers Car Theft

Wagon R is a budget-friendly car that costs around ₹5,78,500 for the petrol variant and ₹6,68,500 for the CNG variant. Due to its higher demand for day-to-day commuting, it is an easy target for theft. To safeguard your vehicle against auto theft, it is crucial to have a comprehensive car insurance plan with add-ons like Return to Invoice cover. With this add-on, you will get the full amount for your vehicle.

Covers Flood Storms

During India’s heavy monsoons, waterlogged streets are a common sight in many cities and towns. For a car like the Maruti Suzuki Wagon R, which is popular with city commuters and small families, driving through deep puddles can put the engine at risk. Water damage can lead to expensive repairs. A comprehensive car insurance plan with an engine protection add-on can safeguard your Wagon R from such monsoon-related troubles.

Covers Fire Damage

For Wagon R owners, mishaps like accidental fires or damage caused by electrical faults are not uncommon. A spark from faulty wiring or an overheated component can quickly spread and harm vital parts of the car. Repairing or replacing these parts can cost a lot if you don’t have insurance. Choosing comprehensive car insurance ensures your Wagon R is protected against fire-related losses.

Network Garages and Spare Parts

Finding the repair garage for the Maruti Suzuki Wagon R is not a daunting task since the car is widely used. Many local and authorised garages can do their servicing. However, the concern is that vehicle owners can not fully voice where the parts or materials used for repair are sourced from. This confusion can be easily avoided if you take your vehicle to a network garage of insurance providers.

Types of Maruti Suzuki Wagon R Car Insurance Plans

Comprehensive Car Insurance

A comprehensive car insurance is a type of car insurance that offers dual coverage to Maruti Suzuki Wagon R owners. With this car insurance plan, vehicle owners not only cover the third party and bodily injury but also vehicle own damage. For instance, if your vehicle is involved in a minor collision, then our comprehensive car insurance plan will cover repair expenses for your and third-party vehicles.

Buy Now

Pay As You Drive Car Insurance

Pay-as-you-drive is another type of car insurance where you pay the premium based on your vehicle usage. If you rarely drive your Maruti Suzuki Wagon R, then this is a suitable plan for you. With our PAYD plan, you will get the kilometres ranging from 2,500 to 10,500 km*. Not just this, you can also carry forward the unused kilometres or top up the plan if the kilometres exceed.

Buy Now

Third Party Car Insurance

Third-party car insurance is a budget-friendly car insurance option for Wagon R vehicle owners who are looking for basic coverage. With this plan, you can protect your financial assets in case of third-party and bodily damage by insured vehicles. Also, this car insurance is mandatory by law. We at Indusland General Insurance offer third-party car insurance with options ranging from 1 to 3 years*.

Buy Now

Own Damage Car Insurance

Standalone Own Damage (SAOD) cover safeguards your vehicle against losses arising from accidental damage, floods, storms, theft, and fire. It ensures better financial security by covering costly repair expenses and damages. The policy is available only with valid third-party insurance.

Buy Now

Key Features

Key Features of IndusInd Maruti Suzuki Wagon R Insurance

No matter where you drive your Maruti Suzuki Wagon R, whether on a busy city road or long highways or village roads, IndusInd car insurance plans will keep your vehicle covered for every occasion.

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 Wagon R 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.

Model Car

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 Wagon R 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.

Protection That Matches Your Wagon R's Style

Our plans suit your Wagon R perfectly, because every Wagon R deserves the best care!

Call Us

Maruti Suzuki Wagon R Insurance Add-On Covers

Add-ons are a great way to enhance your Maruti Suzuki Wagon R coverage, where the basic policy may fall short. For example, if you live in an area prone to heavy rains and waterlogging, an engine protection add-on can save you from paying steep repair bills. We at IndusInd General Insurance offer a unique set of add-ons to choose from based on your vehicle needs.

Nil Depreciation Cover

We offer reimbursement for replacing plastic, fibre, etc., without any depreciation value. It is useful for Wagon R owners, as these parts tend to lose value over time and reduce the payout on a claim.

Pay As You Drive

This is a money-saver add-on for Wagon R owners who drive occasionally. With this, you can pay the premium based on the actual kilometres used. You can select the range 2,500 to 10,500 km* and top-up if required.

Return to Invoice Cover

You will get the full invoice value of the Wagon R if the vehicle is lost and damaged beyond repair. The add-on also provides reimbursement for the taxation and registration fees paid by vehicle owners.

Engine Protection Cover

Wagon R’s 1197 cc engine and smooth gearbox are built for everyday drives, but they can suffer costly damage from waterlogging, oil leaks, etc. This cover helps pay for repairs or replacements of these key parts.

Tyre Protection Cover

Frequent city drives and uneven roads can damage the Wagon R’s tyres through punctures, cuts, etc. With this add-on, you can pay for repairs or replacement, saving you from expenses caused by poor road conditions.

Key & Lock Replacement

We will cover the cost of replacement of the Wagon R key if it is lost or stolen. The add-on includes coverage for smart‑key reprogramming. With this add-on, vehicle owners can save a huge amount on key fobs.

Consumable Expenses

We reimburse the cost of consumables like nuts, bolts, engine oil, filters, etc., used during repairs. For Wagon R owners who drive daily on busy or dusty roads, this cover helps manage the expenses.

RIM Protection Cover

Protects your alloy and steel wheels. The standard car insurance excludes coverage for this. But by incorporating this add-on, you protect RIMs if they get damaged by frequently driving on poor roads.

24/7 Roadside Assistance

Breakdowns can happen anytime, whether you’re navigating city traffic or taking your Maruti Wagon R on a weekend trip. With this add-on, you are covered for arranging help for tyre punctures, fuel shortages, etc.

Loss of Personal Belongings

Many Wagon R owners use the vehicle for work commutes. Such individuals keep their belongings, such as laptops and phones, in vehicles. This add-on offers coverage for accessories worth 5,000+* if it is lost or stolen.

Daily Allowance Benefit

If your Wagon R’s repair and services exceed 3 days* in the network garages, then this add-on will provide a daily allowance benefit. With this cover, the alternate transportation expenses like cab, train, etc, are covered.

EMI Protection Cover

If you’ve purchased your Wagon R through a loan, long repair timelines can affect your monthly instalments. With this add-on, you can pay the EMIs mentioned in your policy when repairs stretch beyond 21, 42, or 63 days*.

No Claim Bonus Cover

Vehicle owners can claim a no-claim bonus discount even after making up to 2 claims* during the policy year. Usually, the no-claim Discount is set to zero when a policyholder claims during policy tenure.

Electrical Accessories Cover

Standard car insurance does not include aftermarket electrical fittings such as music systems, parking sensors, etc. By adding this cover to your Wagon R policy, you can safeguard these gadgets against theft or damage.

Non‑Electrical Accessories Cover

We will provide coverage for non-electrical accessories such as bumper guards, alloy wheels, seat covers, etc. This add-on keeps the vehicle's personalised items safe from damage and loss.

How to Buy

How to Buy/Renew Maruti Suzuki Wagon R 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.

Homepage Curated Plans Client Extension

Factors Affecting Maruti Suzuki Wagon R Premium

The Maruti Suzuki Wagon R insurance price is determined by considering various factors, such as the type of coverage, vehicle add-ons, car make and model, and others. Let us discuss these factors in detail that affect the Maruti Suzuki Wagon R's premium.

Maruti Suzuki Wagon R IDV

IDV is the insured declared value, which is the current market value of the Maruti Suzuki Wagon R chosen by you at the time of buying the plan. The higher the IDV of the vehicle, the higher the car insurance premium.

Type of Coverage

The type of coverage also affects the Maruti Suzuki Wagon R insurance price. For instance, the basic third-party car insurance price is comparatively lower than the comprehensive car insurance price.

Including Add-Ons

Add-ons are optional features you can include in your car insurance policy for extra protection. While they slightly increase the premium, they give coverage that suits your specific needs.

Vehicle Make and Model

The make, model, fuel type, variant, and engine capacity of your car play a key role in determining the insurance premium. Cars with larger engines or premium variants usually attract higher premiums, while smaller engines have lower premiums.

Car Claim History

The car's claim history also affects the car insurance premium. If you have made frequent claims during policy tenure, then the insurance company will consider you a high-risk driver, resulting in a higher premium.

Installing Anti-Theft Devices

Maruti Suzuki Wagon R insurance price can be reduced if you have installed the anti-theft device on your vehicle. Insurance providers reward vehicle owners with safety devices by offering discounts that lower premiums.

Maruti Suzuki Wagon R Key USPs

Maruti Suzuki Wagon R comes in both petrol and CNG variants, which offer excellent mileage of 23.56 kmpl to 25.19 kmpl. The car is ideal for everyday use without stretching your fuel budget. Despite its unbelievable mileage, mishaps like engine repairs can still occur, which can be expensive. With a solid car insurance plan from IndusInd General Insurance and add-ons like engine protection, you’re safeguarded from unexpected repair bills.

The tall-boy design and light steering of the Maruti Suzuki Wagon R make weaving through city lanes effortless. Its compact footprint also makes parking easy, a blessing on crowded streets. However, frequent stop-and-go driving or congested parking can leave scratches or dents on your car. A comprehensive IndusInd General Insurance policy helps cover such damages, saving you from sudden out-of-pocket costs. With comprehensive car insurance coverage, you can keep your Maruti Suzuki Wagon R in top condition.

The Wagon R has long been a value-for-money choice for families and first-time buyers. Its affordable price, low maintenance, and strong resale value make ownership easy on the wallet. But even budget-friendly cars aren’t immune to accidental damage or natural calamities. A reliable plan from IndusInd General Insurance protects your Wagon R against hefty repair bills or losses, ensuring unforeseen events don’t wipe out your savings. With the right cover, you can focus on enjoying economical drives.

The all-new Maruti Suzuki Wagon R comes with modern features like a touchscreen infotainment system, steering-mounted controls, and smartphone connectivity. These upgrades add comfort and fun to your journeys, but repairing or replacing damaged electronic parts can cost a lot. Choosing a car insurance policy from IndusInd General Insurance, along with an electrical accessories add-on, helps in protecting your Wagon R’s tech features from damage, theft, or short circuits.

How to File?

How to File a Maruti Suzuki Wagon R 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 Wagon R - Models and Prices

The Maruti Suzuki Wagon R is available in multiple variants to suit different preferences. You can pick a budget petrol model for smooth city commutes or choose the CNG version for enhanced mileage. Each option combines comfort, practicality, and efficiency for everyday driving.

Maruti Suzuki Wagon R	Price (as of August 2025)*
Wagon R LXi MT	₹578500
Wagon R VXi MT	₹623500
Wagon R ZXi MT	₹652000
Wagon R LXi CNG	₹668500
Wagon R VXi AGS	₹673500
Wagon R ZXi+	₹699500
Wagon R ZXi AGS	₹702000
Wagon R VXi CNG	₹713499
Wagon R ZXi+ AGS	₹749500

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 Wagon R is an ideal car for day-to-day commuting. Whether you are a first-time buyer or a small family, the car can easily navigate through city traffic. With its practical features and modern design, it appeals to every kind of consumer, from young ones to older ones.

Despite the long list of features like adjustable steering, colour variants and more, the car is not immune to unexpected damage and loss. Even a minor incident, such as a collision, can affect the car's appearance and incur additional expenses. To save yourself in such a situation, it is best to have a car insurance plan.

We at IndusInd General Insurance (previously known as Reliance General Insurance) offer a well-curated plan for your Maruti Suzuki Wagon R, starting at ₹308/month*. With unique add-ons like electrical accessories cover, safeguard items such as the infotainment system, while the non-electrical accessories cover protects seat covers, bumper guards, and other fittings.

With the right mix of coverage, you can keep both the interior and exterior of your Wagon R protected. Additionally, we have a vast network of over 11,000 garages* spread across the country, offering you cashless repair services. Using a IndusInd Insurance app, you can locate the network garage in your area in just a couple of minutes. Secure your Maruti Suzuki Wagon R with our customised car insurance plan now!

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.

Wagon R insurance starting at just ₹308 per month*!

Your Wagon R deserves premium care!

Enjoy protection against damage, fire, and theft, with add-ons for extra benefits.

Buy Car Insurance

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

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.

Homepage alternate CX

Relevant Links for Car Insurance

Car Insurance

Pay As You Drive Insurance

Third Party Insurance

Comprehensive Insurance

Long Term Car Insurance

Own Damage Insurance

Car Insurance for Top Car Brands

Tata Car Insurance

Maruti Car Insurance

Hyundai Car Insurance

Toyota Car Insurance

Kia Car Insurance

Ford Car Insurance

Car Insurance - Disclaimer

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

Can I use my Maruti Suzuki Wagon R for daily rural commuting?

Yes, you can use the Maruti Suzuki Wagon R for rural commuting because of its reliable performance on the Indian roads. The car comes with a good ground clearance of 165mm, which can handle the village's uneven roads, potholes, etc.

Is a bumper-to-bumper add-on for the Maruti Suzuki Wagon R suitable?

Yes, bumper-to-bumper or zero depreciation cover with a comprehensive car insurance plan is suitable for Maruti Suzuki Wagon R. It offers security to vehicle owners that in case of accident or damage, they will receive the full cost of replacing or repairing fibre, metal, and plastic car parts without considering their depreciation.

Can I port my existing car insurance plan to the new Maruti Suzuki Wagon R?

No, the car insurance plan is tied to the vehicle based on its specific car’s registration number, make, and model. So if you buy a new Maruti Suzuki Wagon R, you’ll need to take a fresh policy for it. However, you can usually transfer the No Claim Bonus from your old car’s policy to the new one.

What is the safety rating of the Maruti Suzuki Wagon R?

The Glocap NCAP rating of the Maruti Suzuki Wagon R is not that great. The car has scored one star for adult occupant protection and zero stars for child occupant protection.

Is the insurance cost of the Maruti Suzuki Wagon R CNG variant lower?

The insurance premium for a Maruti Suzuki Wagon R CNG variant isn’t automatically lower just because it runs on CNG. The cost depends on factors like the car’s Insured Declared Value (IDV), location, claim history, and the type of coverage you choose.