BUY OR RENEW MARUTI SUZUKI CAR INSURANCE ONLINE

Maruti Suzuki is one of the top car brands in India and is loved by customers since 1981. If you have noticed around, and you’ll spot a Maruti Suzuki in almost every parking lot through product reviews it's that popular! This brand is a partnership between Maruti Udyog and Suzuki.

By focusing on producing small, high-quality cars that fit perfectly with what Indian drivers want, Maruti Suzuki stays at the top of the market with its cars regularly taking the best-seller spots. Models like Alto, Swift, Wagon R, Baleno, and Brezza have become household names, trusted and loved for their reliability, affordability, and great performance.

 

Maruti Suzuki Car Insurance

Maruti Suzuki car insurance keeps your car protected with solid coverage options. As protection depends on the insurance plan you choose. Ensure you choose Third-Party Maruti Car Insurance to cover damages your car may cause to others.

However, for complete protection, consider the Comprehensive Maruti Car Insurance Plan, which covers both third-party liabilities and any damage to your own car. Maruti Suzuki Car Insurance is the easiest way to keep your Maruti Suzuki model safe on the road!

 

Different Types of Maruti Car Insurance

When you’re getting insurance for your Maruti, there are two main options:

 

1. Third-Party Liability Insurance

Third-Party Liability car Insurance is basic coverage. Third-Party Liability policy is required by law for every car insurance. It covers any damage your car causes to other people or their property.

For example, if you accidentally hit another car, the third-party liability insurance will help you to pay for all the damages. 

 

2. Comprehensive Car Insurance

Comprehensive insurance for Maruti Suzuki cars provides complete coverage for your car. It covers not only third-party damage but also damage to your own car. It includes protection against accidents, theft, and natural events like floods.

If you want to fully protect your Maruti car, a comprehensive plan is a good choice to ensure the security of the car.

 

key highlights of Maruti Suzuki Car Insurance

• Provides protection against accidents, theft, natural disasters, and third-party liabilities.
• Offers cashless repair services at a network of authorized service centers.
• Fast and hassle-free claim settlement to reduce inconvenience.
• Provides support for breakdowns, towing, and emergency repairs at any time.
• Covers injuries or fatalities for the driver and passengers in case of an accident.
• Additional add-on options like zero depreciation, engine protection, and return to invoice for extra security.
• Discounts on premiums for every year without making a claim.
• Competitive pricing for coverage that fits your budget.
• Flexible options to tailor coverage based on your specific requirements.
• Quick and easy online policy issuance for immediate protection.

 

Benefits of Buying Maruti Car Insurance Online

1. Convenience

Buying Maruti Suzuki car insurance online offers you the flexibility and ease to make a purchase anytime, from anywhere. Without the need to visit a physical office, you can complete the process quickly, saving both time and effort. The online process is simple and user-friendly, allowing you to compare plans, check premium costs, and select the coverage that best suits your needs all from the comfort of your home or on the go. This hassle-free approach makes it easier than ever to protect your Maruti Suzuki vehicle.

 

2. Quick Comparison

Online platforms let you easily compare different car insurance plans for coverage options, and prices. This makes it much simpler to find the best insurance policy for your Maruti Suzuki car that fits your needs and budget.

 

3. Instant Policy Issuance

One of the biggest advantages of buying Maruti car insurance online is instant policy issuance. Once you complete your purchase, your policy document is immediately sent to your email. This eliminates the traditional waiting period, giving you immediate proof of insurance coverage for your Maruti car.

4. Exclusive Discounts

Online purchases often come with exclusive discounts, allowing you to save on your Maruti car insurance premium. Many insurers offer these special discounts to encourage online transactions, which can significantly reduce your overall insurance cost.

5. Simple Renewals and Claims

Renewing your policy or filing a claim is usually straightforward online, allowing you to manage everything from your phone or computer.

6. Tax Benefits

When you purchase Maruti car insurance, you may be eligible for tax deductions under Section 80D of the Income Tax Act. This provision allows you to claim deductions on premiums paid for specific types of insurance, which can help reduce your taxable income.

While Section 80D primarily applies to health insurance, if your Maruti car insurance includes a personal accident cover for the driver, this portion of the premium may qualify for tax benefits. This added advantage makes securing Maruti car insurance not only essential for protection but also beneficial for your financial planning.

 

Benefits of Buying Maruti Car Insurance Offline

1. Personal Assistance

When you buy insurance offline, you will get to speak directly with an agent. This personal touch can make a big difference, as they can help explain every detail of the policy.

2. Tailored Help

An agent can help you customize your insurance plan to suit your specific needs, ensuring you have the right coverage.

3. Flexible Payment Options

Buying offline means you can pay in cash or choose other methods that might be more convenient for you.

4. Immediate Document Verification

You get help right away with checking your documents, which reduces the chances of making mistakes on your application.

5. Guidance for Claims

If you need to file a claim, having an agent by your side can be really helpful. They guide you through the process, making it easier and less stressful.

6. Hands-on Support in Emergencies

In the event of an accident, having a local agent can provide immediate support. They can help you navigate the claims process and offer assistance when you need it most.

 

Premium Rates of Popular Maruti Car Models

 

Sr. No	Model Name	Variant	Insured Declared Value (IDV) in Rs.	Comprehensive Plan Amount in Rs. Approx	Zero Depreciation Plan Amount in Rs.	Coverage
1	Maruti Suzuki Alto	VXI	Rs. 1,44,000	Rs. 9,000	Rs. 1,280	Covers damages of your car and third-party liability.
2	Maruti Suzuki Alto K10	VXI	Rs. 3,41,344	Rs. 13,500	Rs. 1,900	Covers damages and third-party liability.
3	Maruti Suzuki Celerio	ZXI	Rs. 4,84,606	Rs. 25,060	Rs. 2,669	Comprehensive coverage for your vehicle and third-party.
4	Maruti Suzuki S-Presso	VXI	Rs. 5,22,977	Rs. 13,290	Rs. 2,250	Includes accident, theft, and third-party coverage.
5	Maruti Suzuki Wagon R	VXI	Rs. 2,15,305	Rs. 4,000	Rs. 9,540	protects against damages to your car and third-party liabilities.
6	Maruti Suzuki Swift	ZXI	Rs. 4,42,820	Rs.16,000	Rs. 3,490	Protection for your vehicle and covers third-party claims.
7	Maruti Suzuki Dzire	ZXI	Rs. 6,71,759	Rs. 12,900	Rs. 2,780	Comprehensive protection for damages and third-party claims.
8	Maruti Suzuki Baleno	Zeta	₹ 3,78,700	Rs. 14,000	Rs. 3,525	Protects against damages to your car and third-party liabilities.
9	Maruti Suzuki Ignis	Zeta	Rs. 6,38,000	Rs. 16,500	Rs. 3,536	Includes coverage for accidents, theft, and third-party damages.
10	Maruti Suzuki Ciaz	Alpha	Rs. 10,42,152	Rs. 15,500	Rs. 4,607	Protects against vehicle and third-party damages.
11	Maruti Suzuki Ertiga	ZXI	Rs. 8,54,052	Rs. 22,000	Rs. 4,697	Covers accident, theft, and third-party liabilities.
12	Maruti Suzuki XL6	Alpha	Rs. 9,84,381	Rs. 14,000	Rs. 5,414	Comprehensive coverage for your car and third-party claims.
13	Maruti Suzuki Brezza	ZXI	Rs. 11,45,700	Rs. 21,520	Rs. 6,461	Comprehensive coverage for your vehicle and third-party claims.
14	Maruti Suzuki Swift	ZXI	₹ 4,42,820	Rs. 16,000	Rs. 3,490	Offers protection for your vehicle and covers third-party claims.
15	Maruti Suzuki Eeco	5-seater AC	Rs 3,26,610	Rs. 11,900	Rs.1,441	Includes basic protection and third-party coverage.
16	Maruti Suzuki Jimny	Alpha	Rs. 13,00,550	Rs. 12,740	Rs. 3,902	Covers damages, theft, and third-party claims.
17	Maruti Suzuki Grand Vitara	Alpha	Rs. 9,92,750	Rs. 20,320	Rs. 7,118	Comprehensive coverage with zero depreciation benefits

 

 

Maruti Suzuki Car Insurance Add-On Covers

You can buy add-ons with car insurance which provide extra protection beyond a basic insurance policy. Let’s understand the add-ons and how they work, with examples to help clarify.

• Zero Depreciation Cover

If your Maruti car’s parts need replacing, the claim amount reduces based on the part's age. But with zero depreciation cover, the insurer doesn’t factor in depreciation, and you get the full amount for repairs or replacements. For instance, if your bumper is damaged in an accident, you’d receive the full replacement cost, not a reduced amount.

• Engine Protection Cover

This cover safeguards your car engine against damages caused by water or lubricant leakage, which can happen if you drive through a flooded road. Imagine you drive through a deep puddle, and water gets into the engine, causing serious damage. An engine protection cover will take care of those repair costs.

• Roadside Assistance

With this add-on, you will get help for breakdowns, towing, fuel delivery, or flat tires. If you’re on a road trip and your car suddenly stops working, roadside assistance sends help, whether you need towing or minor repairs on the spot.

• Return to Invoice Cover

In cases of total loss (where repair costs are more than the car’s value) or theft, this add-on covers the entire invoice price of the car, including registration fees and road tax. So, if your new Maruti car is stolen, instead of just the current market value, you receive the exact amount you initially paid for it.

• Consumables Cover

This cover includes items like engine oil, nuts, bolts, and lubricants which are often excluded from standard policies. For instance, if your car is in an accident, and consumables are needed for repairs, this cover ensures you don’t have to pay for these costs out-of-pocket.

What is Covered in Maruti Car Insurance?

• Damage to Your Car

Maruti insurance covers repair costs if your car is damaged due to an accident, fire, or even natural disasters like floods. For example, if your car is dented in an accident, your insurance will pay for the repairs.

• Theft

If someone steals your car, the insurance will cover the loss, helping you recover the car’s value. So, if your Maruti is stolen, the insurer will pay you the car’s current market price.

• Third-Party Liability

If your car accidentally damages another car or injures someone, this cover ensures you’re not personally liable to pay for repairs or medical expenses. Say you accidentally bump into another car, causing a dent; third-party insurance will cover the costs.

• Personal Accident Cover

Personal accidental cover in car insurance offers financial support if the driver is injured in an accident. For example, if you sustain injuries and need medical treatment, this cover helps pay for your expenses.

 

What is Not Covered in Maruti Car Insurance?

 

• Regular Wear and Tear

Insurance doesn’t cover normal wear like worn-out tires or aging parts. For instance, if your tires are bald from regular use, replacing them won’t be covered.

• Drunk Driving

Any accidents that occur under the influence of alcohol or drugs won’t be covered. So, if an accident happens while driving intoxicated, you’ll have to bear all costs.

• Mechanical or Electrical Breakdown

Purely mechanical or electrical issues unrelated to accidents aren’t covered. For example, if the car’s air conditioning stops working, repairs for this issue aren’t included in coverage.

• Driving Without a License

Damages occurring while driving without a valid license aren’t covered. If an accident happens and the driver doesn’t have a license, the insurer won’t cover repair costs.

 

How to Buy Maruti Car Insurance Online

If you are looking for the best Maruti car insurance online and thinking of buying car insurance online, then here are the simple steps you can follow;

• Step 1: Visit Our Maruti Insurance Car Page or click here!
• Step 2: Enter your Maruti Suzuki Car Details
  (Type in basic details, like your car model, registration number and year.)
• Step 3: Choose Your Coverage
  (Pick between third-party or comprehensive coverage. You can also add extras, like zero depreciation or roadside assistance.)
• Step 4: Get a Quote

The website shows the premium based on your choices. Review the amount and what it covers.

• Step 5: Add Your Information

Enter your personal details, like your name and contact info.

• Step 6: Make the Payment

Once everything looks good, pay the premium securely online.

Finally! Receive Your Policy: After payment, your policy document arrives in your email. Save it for future use.

 

How to Buy Maruti Car Insurance Offline

If you prefer buying insurance in person, then you must follow the below steps:

• Step 1: Visit a Branch or Dealership

Go to a nearby insurance office or Maruti dealership.

• Step 2: Discuss Your Needs

Talk to the agent about the coverage you want—basic third-party or comprehensive.

• Step 3: Share Car Details

Give details about your car, such as model, year, and registration number.

• Step 4: Review the Quote

The agent provides a premium quote based on your choices. Make sure you understand what’s included.

• Step 5: Submit Documents

Bring along any required documents, like ID and address proof.

• Step 6: Make the Payment

Pay the premium using cash, card, or other available options.

• Step 7: Get Your Policy Document

The agent will give you the policy document, or they may mail it to you.

 

How to Renew Your Maruti Car Insurance Policy

Renewing your Maruti car insurance is simple and quick by following the below step:

 

• Step 1: Start by going to the website of your insurer or Quickinsure.
• Step 2:  Find the renewal section, and enter your current policy details like your policy number and car registration number.
• Step 3: You can renew with the same coverage or explore add-ons like zero depreciation, engine protection, or roadside assistance.
• Step 4: The system provides an updated premium based on your coverage choices. Take a moment to review it.
• Step 5: Once you’re satisfied with the quote, pay the premium online securely.
• Step 6:  Your renewed policy will arrive by email, ready for you to download and keep on hand.

 

What is the Maximum Passing Age Limit of Car to Buy Insurance?

In car insurance, most insurers impose a maximum age limit for the vehicle to be eligible for coverage, typically ranging from 10 to 15 years, depending on the insurer. This limit is often set because older cars may require more frequent repairs and can be more prone to breakdowns, leading to increased claims for the insurer.

After a vehicle crosses this age limit, it may become challenging to get a standard car insurance policy, especially comprehensive coverage. However, some insurers offer special policies for older vehicles, but these might have limited coverage options.

If you’re close to reaching your insurer’s age limit for your vehicle, it’s a good idea to explore renewal options early. Some insurers may allow renewals on a case-by-case basis or offer third-party liability coverage even for older cars.

 

Requirements of Car Passing Fitness Test to Renew Car Insurance

If you mean the requirements for passing a fitness test or inspection to renew car insurance for an older vehicle then,

• Vehicle Fitness Certificate

For older vehicles, especially those over a certain age (often 15 years in many regions), a fitness certificate from an authorized testing center may be needed. This certificate proves that the car meets safety and emission standards.

• Inspection

Insurers may ask for an inspection of the vehicle to assess its condition. An authorized agent typically checks for issues such as body damage, engine performance, braking system, and lights.

• Pollution Under Control (PUC) Certificate

Most countries require a valid PUC certificate for vehicle insurance. This document shows that the car meets pollution norms.

• Maintenance Records

Having a history of regular maintenance and servicing can improve the chances of passing the inspection, as it shows the vehicle has been well cared for.

• Repair or Replace Damaged Parts

If the inspection highlights any specific issues, repairing or replacing damaged parts may be necessary for approval.

Once your car passes these checks, you’ll likely be eligible to renew your insurance. Always check with your insurer for any specific requirements.

 

Compare Maruti Car Insurance Online with Quickinsure

Looking to get the best insurance deal? Quickinsure makes comparing Maruti car insurance plans easy. Here’s how:

• Step 1: Visit Quickinsure’s Website

 

• Step 2: Enter your car’s information, like model, year, and registration number.

 

• Step 3: Quickinsure gathers quotes from various insurers, allowing you to compare prices and benefits in one place.

 

• Step 4: Review what each policy covers, along with add-ons like roadside assistance or engine protection.

 

• Step 5: Once you find the plan that fits your needs, you can buy directly through Quickinsure.

 

How to Apply for a Claim for Maruti Suzuki Car Insurance Online

Applying for a claim for your Maruti Suzuki car insurance is easy. Follow the below steps:

• Step 1:

Start by visiting your insurance provider’s website or Quickinsure.

• Step 2:

If you have an account, log in using your username and password. If not, just enter your policy number and car registration details.

• Step 3:

Look for the “Claim” option on the website. It’s usually easy to find.

• Step 4:

Next, fill out the claim form. Just tell them what happened, including the date and where it took place. Keep it simple and clear!

• Step 5:

You might need to upload some documents like a police report (if it’s an accident), photos of the damage, and your car’s registration. This is just to show proof of what happened.

• Step 6:

Once everything looks good, hit that submit button! You’ll get a claim reference number, so save that for later.

 

The insurance team will review your claim. They might contact you for more info or send updates via email or text. Keep an eye on your messages!

 

How to Download Your Maruti Suzuki Insurance Policy

If you want to download your Maruti Suzuki insurance policy; Just follow these steps:

• Step 1: Go to the website of your insurance provider or Quickinsure.
• Step 2: If you have an account, log in with your details. If you don’t, just enter your policy number to access it.
• Step 3: After logging in, look for the section that says “Policy Document.” It should be easy to spot.
• Step 4: Click on that option, and you’ll see a button to download your policy. Just click it, and it will save to your device.
• Step 5: Make sure to keep a copy saved somewhere safe, like your computer or phone. You’ll want to have it handy if you need it later!

 

FAQs on Maruti Suzuki Car Insurance

Q1. What is Maruti Car insurance renewal?

Ans: Maruti Car insurance renewal refers to the process of extending your Maruti Suzuki car insurance policy to ensure continued coverage after the policy expires.

 

Q2. How can I download my Maruti Car insurance policy?

Ans: You can download your Maruti Car Insurance policy by logging into your insurance provider’s website and navigating to the policy document section.

 

Q3. What does Maruti car insurance cover?

Ans: Maruti car insurance typically covers damages to your vehicle, third-party liabilities, theft, and other risks depending on the plan you choose.

 

Q4. Can I buy Maruti Car insurance online?

Ans: Yes, you can purchase Maruti Car insurance online through various insurance providers, including Quickinsure.

 

Q5. What is the price of Maruti Car insurance?

Ans: The price of Maruti Car insurance varies based on the model, coverage options, and other factors. It’s best to check with your insurer for exact quotes.

 

Q6. How do I file a Maruti Car insurance claim?

Ans: To file a Maruti Car insurance claim, visit your insurer's website, fill out the claim form, and submit the required documents.

 

Q7. What documents are required for Maruti Car insurance renewal?

Ans: For Maruti Car insurance renewal, you typically need to provide your current policy details, identification, and any other documents specified by your insurer.

 

Q8. Is there a grace period for Maruti Car insurance renewal?

Ans: Yes, many insurers provide a grace period for policy renewal, allowing you to renew without a penalty for a short time after the policy expires.

 

Q9. Can I compare Maruti Car insurance prices online?

Ans: Yes, you can compare Maruti Car insurance prices online through various platforms to find the best deal and coverage options for your needs.

 

Q10. Is there any car age limit for getting Maruti Car insurance on an old car?

Ans: Yes, most insurers set a limit, usually around 10-15 years. After that, getting full coverage can be harder.

 

Q11. What papers do I need to renew Maruti Car insurance for my old car?

Ans: You’ll typically need your car's registration, a Pollution Under Control (PUC) certificate, and sometimes a fitness certificate if the car is very old.

 

Q12. Do I have to get my Maruti car inspected for insurance renewal?

Ans: Yes, many insurers want an inspection for older cars to check their condition and see if they’re safe to cover.

 

Q13. What is a Maruti car fitness certificate, and why do I need it?

Ans: A fitness certificate shows your old car meets safety and emission standards. For cars over a certain age, it’s often required for insurance.

 

Q14. What if my Maruti car fails the insurance inspection?

Ans: If your car doesn’t pass, you’ll need to fix any issues found, then get it reinspected to qualify for insurance.

 

Q15. Is there any way to insure my car if it’s too old for regular insurance?

Ans: Yes, some insurers offer basic third-party coverage even for older cars. It provides minimal protection for third-party damage.