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  • Maruti Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    A number of insurance firms provide car insurance for Maruti Suzuki. Maruti has tied up with these insurers under Maruti Insurance Broking Private limited, also known as Maruti Insurance, to assure that the best insurance coverage is provided to all the Maruti car owners. Maruti Insurance has partnered with 11 most popular general Insurance firms of India.

    Why is it Important to have Maruti Insurance?

    In India, it is mandatory to have a car insurance by law. Every vehicle plying on the roads should be insured with at least a third-party liability cover. If you drive an uninsured vehicle, you are breaking the law and can be subjected to fines or other penalties. So, if you own a Maruti Suzuki car, it is of vital importance to get the right car insurance policy that protects you and your vehicle against any liabilities caused due to a mishap.

    Maruti Suzuki has a pan-India network of service centres that are fully equipped with top-notch facilities, infrastructure and A-class mechanics. The Maruti Suzuki service centres assure quality repairs, replacement with the original spare parts and service from highly trained and skilled technicians. Maruti Insurance also has an outstanding customer care team that provides you with 24X7 assistance in case of a mishap.

    Benefits and Key Features of Maruti Car Insurance

    Below listed are some of the reasons why you should opt for a Maruti car insurance:

    • Provides a hassle-free insurance experience
    • Transparent claim settlement process
    • There are no hidden charges
    • Guarantees top quality repairs
    • Constantly reviews and upgrades the processes
    • Cashless claim settlement available at more than 2,000 network garages across the country
    • Acts as the one-stop-shop for all your motor insurance needs
    • Instant policy issuance
    • Dealer-assisted towing facility
    • Dedicated customer care team

    Maruti Car Insurance Partners

    Maruti insurance has formed an alliance with 11 of the well reputed insurance firms in India:

    • Bajaj Allianz General Insurance
    • ICICI Lombard General Insurance
    • Iffco-Tokio General Insurance
    • SBI General Insurance
    • Oriental Insurance Company
    • United India Insurance
    • National Insurance Company
    • The New India Assurance Co. Ltd.
    • Royal Sundaram General Insurance
    • Universal Sompo General Insurance Co. Ltd.
    • HDFC ERGO General Insurance Company Limited

    Maruti Car Insurance Calculator For Premium

    You can buy Maruti car insurance from a number of third-party websites as well as the official websites of the partnered insurance firms as well as Maruti’s. The websites have a built-in tool called premium calculator for determining your insurance premium when you purchase the Maruti Car Insurance for your vehicle online.

    When on the premium calculator page, follow the below steps:

    • Update/provide the accurate details regarding the make and model of your car, date of car registration/purchase, the city of car registration/purchase, the Insured Declared Value (IDV) of your car, your mobile number and email address
    • Agree to the terms and conditions provided below the calculator in order to receive a quote on your car insurance premium.

    Maruti Car Insurance Inclusions and Exclusions

    Maruti Car Insurance comes with a number of inclusions and exclusions as mentioned below:

    • Inclusions:
      • Fire, explosion, lightning, etc.
      • Man-made calamities like terrorism, riots, etc.
      • Burglary, theft, etc.
      • Natural Calamities like earthquake, storms, hurricanes, etc.
    • Exclusions:
      • Regular wear and tear of the vehicle
      • Electrical or mechanical breakdown of the vehicle
      • Damage to the tyres
      • Driving the vehicle without a valid driving license
      • Driving the vehicle under the influence of liquor/drugs
      • Vehicle being used for illegal purposes
      • Using car outside of the agreed geographical area
      • Vehicle being used for hire or as a reward
      • Vehicle used as a carrier of goods
      • Vehicle used for organised racing
      • Vehicle used for speed testing or reliability trials
      • Damages to the vehicle caused during nuclear wars and other perils

    The above information can be found under the Own Damage (OD) section of the insurance policy document.

    Maruti Car Insurance Add-ons

    Maruti Car Insurance provides the following optional add-ons in order to extend the insurance coverage:

    • Zero Depreciation Cover
    • Engine Protect Cover
    • Return to Invoice Cover
    • No Claim Bonus (NCB) Protect Cover
    • Roadside Assistance Cover
    • Accident coverage for car passengers
    • Daily Allowance Cover
    • Key Replacement Cover
    • Consumables Cover

    Maruti Car Insurance Renewal Online

    To renew your existing Maruti Car Insurance, you need to submit the below details in the customer portal of the website:

    • Your Name
    • Your Mobile No.
    • Your E-mail Id
    • Your Registration No.

    After you provide the above details, you will be directed to the webpage that has the premium calculator. As mentioned before, the tool will calculate your insurance premium after which you will be redirected to the payment page where you can pay for the insurance policy and complete the purchase.

    Maruti Car Insurance Endorsements

    An insurance endorsement refers to the corrections or changes made to your existing insurance policy. Endorsements are made in instances where there is a change in the car ownership, if a CNG/LPG kit has been added, insurance coverage has increased, changes in geographical area, etc. These changes or corrections are not made to the original policy document, instead an Endorsement Certificate is given to the policyholder.

    Endorsements are basically classified into Premium bearing and Non-Premium bearing Endorsements. Premium bearing endorsements are those changes for which an additional premium will be charged while Non-Premium bearing endorsements will not have any additional premium charges.

    • Premium bearing Endorsement:
      • Endorsement of Ownership Transfer (IMT 3)
      • Removal of Anti-Theft Device (IMT 10)
      • Correction of Vehicle Ex-showroom Price
      • Installation of Electrical Accessories (IMT 24)
      • Addition of LPG/CNG Kit (IMT 25)
      • Extension of Geographical Area (IMT 1)
      • Addition of Personal Accident Cover (IMT 16)
      • Endorsement for Rally Participation
      • Removal of Recognised Automobile Association Membership (IMT 8)
      • Installation of Non-Electrical Accessories
    • Non-Premium bearing Endorsement:
      • Correction of Registration Number
      • Changes in Hire Purchase Agreement, Lease Agreement, Hypothecation Agreement (IMT 5/6/7)
      • Correction in Customer Type
      • Change in Contact Details, Mobile Number
      • Correction in Prefix, Customer Name/Corporate Name
      • Correction in Nominee Details
      • Correction in Gender, Customer’s Address, City

    Maruti Car Insurance Claim Process

    Maruti Car Insurance Claim Process involves the following steps:

    1. Claim intimation
    2. Claim estimation
    3. Surveyor appointment
    4. Loss assessment by the surveyor
    5. Car repair post insurer’s approval
    6. Vehicle re-inspection
    7. Vehicle delivery
    8. Claim settlement

    No Claim Bonus (NCB) On Your Maruti Car Insurance

    NCB is a discount provided to you by the insurer for every claim-free year. The NCB can be accumulated upto a maximum of 50% on Own Damage (OD) premium.

    Your existing NCB is transferable from your previous policy to a new policy for the vehicle of same class but cannot be transferred from a private policy to a commercial policy.

    The standard rates of NCB are as given below:

    No Claim Period Discount Rates on Own Damage Premium
    1 year 20%
    2 consecutive years 25%
    3 consecutive years 35%
    4 consecutive years 45%
    5 consecutive years 50%

    Discount on Maruti Car Insurance

    There are several ways by which you can avail discounts on your insurance premium such as:

    1. By declaring the correct Insured Declared Value (IDV)
    2. By making no claim for small expenses
    3. By accumulating No claim bonuses
    4. By installing ARAI approved security devices
    5. By becoming a member of the Automobile Associations of India
    6. By opting for a higher voluntary deductible
    7. By purchasing a less expensive car
    8. If you have a good driving record
    9. If you renew your insurance policy in a timely manner

    How to Buy Maruti Car Insurance

    You can purchase your car insurance either offline or online depending on your convenience:

    • Online:

    You can visit any of the official or third-party insurance websites and get a quote on your insurance premium via the premium calculator. Once you get the quote, you can purchase the insurance policy from the website itself.

    • Offline:

    You can visit purchase your insurance policy offline by visiting the insurer’s nearest office or meeting with an insurance agent to discuss, get the premium quote and making the payment after submitting the relevant documents.

    Types of car insurance you should opt for your Maruti Suzuki Car

    There are two kinds of car insurance policies available in the market:

    • Liability Only Policy

    Under this policy, third-party liabilities for bodily injuries and/or Death, and Property damage are covered. Personal Accident cover for the policyholder is also included.

    • Comprehensive/Package Policy

    Under this policy, third-party liabilities as well as own damage liabilities are covered.

    Maruti Car Insurance FAQs:

    1. Is it mandatory to insure my vehicle?

    2. Yes, as per the Motor Vehicles Act, every vehicle that is being used must be insured with at least a third-party liability cover.

    3. Can the cheque date be later than the date of the policy issuance?

    4. No, cheque date should be the same or a date prior to the date of policy issuance.

    5. Can I transfer the existing No Claim Bonus (NCB) on my present insurance policy to my new Maruti Insurance policy?

    6. Yes, the NCB can be carried forward to your new Maruti Insurance policy.

    7. Does Maruti Insurance charge additional premium for the unique benefits they offer?

    8. No, the insurance policy does not charge any additional premium.

    9. The chassis/engine has been changed in my vehicle, how can I now renew the policy with the new engine/chassis numbers?

    10. You can use the existing policy number to renew your policy as long as you get the same changed in the RC book and intimate the Maruti Insurance regarding the same.