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    Maruti Suzuki Alto 800 Car Insurance

    Maruti Suzuki is one of the top automobile manufacturers in India. The Alto 800 is a hatchback from Maruti Suzuki’s production line. The car gives high performance via its thermal gasoline engine and has inbuilt safety features.

    Why is it Important to Insure Your Maruti Suzuki Alto 800?

    As per the Motor Vehicles Act, it is mandatory for every car plying on the roads to be insured with at least a third-party liability cover. Having a car insurance also protects you from third-party as well as own damage liabilities that you may incur as a result of a mishap.

    Maruti Suzuki Alto 800 Insurance Providers

    A number of insurers provide Maruti Suzuki Alto 800 insurance in India, a few of them are listed below:

    • Reliance General Insurance Co. Ltd.
    • HDFC ERGO General Insurance Co. Ltd.
    • Royal Sundaram India Insurance Co. Ltd.
    • Bharti AXA General Insurance Co. Ltd.
    • ICICI Lombard GIC Ltd.

    Maruti Suzuki Alto 800 Models

    The below table exhibits various models of Maruti Suzuki Alto 800 along with their starting *prices

    Type Maruti Suzuki Alto 800 Variants *Ex-Showroom Price (Bangalore)
    Metallic NEW ALTO 800 STD Rs.2,73,569.00
    NEW ALTO 800 STD (O) Rs.2,79,512.00
    NEW ALTO 800 LX Rs.3,05,540.00
    NEW ALTO 800 LX (O) Rs.3,11,482.00
    NEW ALTO 800 LXI Rs.3,31,624.00
    NEW ALTO 800 LXI (O) Rs.3,37,566.00
    NEW ALTO 800 VXI Rs.3,50,794.00
    NEW ALTO 800 VXI (O) Rs.3,56,737.00
    NEW ALTO 800 LXI CNG Rs.3,93,722.00
    NEW ALTO 800 LXI (O) CNG Rs.3,99,665.00
    Non-Metallic NEW ALTO 800 STD Rs.2,69,853.00
    NEW ALTO 800 STD (O) Rs.2,75,796.00
    NEW ALTO 800 LX Rs.3,01,823.00
    NEW ALTO 800 LX (O) Rs.3,07,766.00
    NEW ALTO 800 LXI Rs.3,27,907.00
    NEW ALTO 800 LXI (O) Rs.3,33,850.00
    NEW ALTO 800 VXI Rs.3,47,078.00
    NEW ALTO 800 VXI (O) Rs.3,53,020.00
    NEW ALTO 800 LXI CNG Rs.3,90,006.00
    NEW ALTO 800 LXI (O) CNG Rs.3,95,949.00

    *Please note that the above prices are exclusively for Bangalore and are subject to change with respect to the city you purchase the vehicle from.

    Specifications of the Maruti Suzuki Alto 800 Models

    The below table exhibits *engine specifications of the Maruti Suzuki Alto 800 Models

      For All Models as Applicable* For All Models as Applicable*
    Engine type F8D F8D
    Displacement (cc) 796 796
    Max. Power (Kw/rpm) 35.3 Kw @ 6000 rpm (LPG)/ 35.1 Kw @ 6000 rpm (CNG) 35.3 Kw @ 6000 rpm (LPG)/ 35.1 Kw @ 6000 rpm (CNG)
    Max. Torque (kg·m/rpm) 69 Nm @ 3500 rpm(LPG)/ 60 Nm @ 3500 rpm (CNG) 69 Nm @ 3500 rpm(LPG)/ 60 Nm @ 3500 rpm (CNG)

    No. of Cylinders

    3 3

    Number of Valves

    12 12

    *The above-given table provides the basic engine information and may vary with each vehicle.

    Types of Maruti Suzuki Alto 800 Car Insurance

    There are two kinds of car insurance available for Maruti Suzuki Alto 800:

    • Comprehensive Car Insurance

    Comprehensive car insurance provides third-party liability coverage and own damage coverage at the time of the mishap.

    • Third-party Liability Cover

    Third-party Liability cover offers third-party liability coverage alone.

    Buying/renewing Maruti Suzuki Alto 800 Car Insurance

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

    • Online:

    You can visit third-party insurance website or insurer’s official website to purchase or renew car insurance.

    • Offline:

    You can visit the insurer’s nearest branch office or meet with an insurance agent to purchase or renew car insurance.

    Maruti Suzuki Alto 800 Car Insurance Claim Process

    The claim process for Maruti Suzuki Alto 800 car insurance involves the following steps:

    • Inform the insurer as soon as the mishap happens and register your claim request.
    • File an FIR at the nearest police station and obtain a copy of the same.
    • An authorised surveyor will be sent to inspect your vehicle and assess the total loss/damage.
    • You will have to submit the necessary documents, both copies and originals to the surveyor or the insurer for verification.
    • Post document submission, take your car to the nearest garage and get it fixed.
    • In case of a cashless claim, the insurer will pay the garage directly for the repairs.
    • In case of a reimbursement claim, you will have to pay the garage for the repairs and submit the invoice/payment receipt to the insurer to get the amount you spent on repairs reimbursed.

    Inclusions and Exclusions of Maruti Suzuki Alto 800 Car Insurance

    Maruti Suzuki Alto 800 Car Insurance comes with a number of inclusions and exclusions, a few of them are listed below:

    • Inclusions:
      • Loss/damage due to natural calamities
      • Total loss due to of fire/terrorist attack/theft
      • Own Damage liabilities
      • Third-party liabilities
    • Exclusions:
      • Regular wear and tear of the vehicle
      • Electrical/mechanical failure of the vehicle
      • Damage to tyres alone
      • Loss/damage incurred when the person was driving the vehicle without a valid licence at the time of the mishap

    Add-ons Offered with Maruti Suzuki Alto 800 Car Insurance

    There are a number of add-ons available in the market for Maruti Suzuki Alto 800 Car Insurance, a few of them are listed below:

    • Zero Depreciation Cover
    • Passenger Cover
    • Engine Protect Cover
    • No Claim Bonus Protect Cover

    Discounts Offered with Maruti Suzuki Alto 800 Car Insurance

    The insurers offer a number of discounts to Maruti Suzuki Alto 800 car owners, a few of them are listed below:

    • Professional Discount
    • No Claim Bonuses
    • If you have installed ARAI approved security devices in your car you can avail a discount on your insurance premium
    • If you are a member of any automobile associations of India, you are eligible for a discount on your insurance premium

    Maruti Suzuki Alto 800 Car Insurance FAQs:

    1. Are the No Claim Bonuses I earned in another country acceptable in India?

      The No Claim Bonuses you have earned outside of India is acceptable provided you purchase an insurance policy in India within 3 years of your overseas policy expiry.

    2. What is a voluntary deductible in car insurance?

      A voluntary deductible is a part of the insurance amount that you opt to pay at the time of claim settlement.

    3. What is an IDV?

      IDV stands for Insured Declared Value and is the maximum market value of your car with respect to its age.

    4. What is a No Claim Bonus (NCB)?

      NCB is a discount on insurance premium awarded by the insurer to the policyholder for every claim-free year. You can accumulate the NCBs for up to 5 years.

    5. What should I do after I add an LPG/CNG kit in my car?

      You have to inform the insurer and the RTO after you install an LPG/CNG kit in your car as it is a premium bearing endorsement and has to be added to your insurance policy.