Maruti Suzuki Alto K10 Car Insurance

Maruti Suzuki Alto K10 is one of the top-selling cars in India. The car is known for its cutting-edge technology and built-in safety features. The car is designed to ensure a hassle-free drive especially in heavy traffic.

Insurance Providers for Maruti Suzuki Alto K10

There are a number of insurers who offer car insurance for Maruti Suzuki Alto K10, a few among them are listed below:

• Bharti AXA General Insurance Co. Ltd.
• Royal Sundaram General Insurance Co. Ltd.
• Reliance General Insurance Co. Ltd.
• Bajaj Allianz General Insurance Co. Ltd.
• HDFC ERGO General Insurance Co. Ltd.

It’s always a good practice to compare the different insurance policies available before buying one.

Price range of Maruti Suzuki Alto K10

Type	Variants of Maruti Suzuki Alto K10	*Ex-Showroom price for Bengaluru
Metallic	NEW ALTO K10 LX	Rs.3,46,470
	NEW ALTO K10 LX(O)	Rs.3,52,465
	NEW ALTO K10 LXI	Rs.3,63,055
	NEW ALTO K10 LXI(O)	Rs.3,69,050
	NEW ALTO K10 VXI	Rs.3,79,726
	NEW ALTO K10 VXI (O)	Rs.3,99,378
	NEW ALTO K10 LXI CNG	Rs.4,25,322
	NEW ALTO K10 VXI AGS	Rs.4,25,769
	NEW ALTO K10 LXI CNG(O)	Rs.4,31,317
	NEW ALTO K10 VXI AGS(O)	Rs.4,31,764
Nonmetallic	NEW ALTO K10 LX	Rs.3,42,753
	NEW ALTO K10 LX(O)	Rs.3,48,748
	NEW ALTO K10 LXI	Rs.3,59,339
	NEW ALTO K10 LXI(O)	Rs.3,65,334
	NEW ALTO K10 VXI	Rs.3,76,009
	NEW ALTO K10 VXI (O)	Rs.3,95,662
	NEW ALTO K10 LXI CNG	Rs.4,21,605
	NEW ALTO K10 VXI AGS	Rs.4,22,053
	NEW ALTO K10 LXI CNG(O)	Rs.4,27,601
	NEW ALTO K10 VXI AGS(O)	Rs.4,28,048

*Please note that the above prices are exclusively for Bangalore, the prices will vary with the geographical location.

Mileage of Maruti Suzuki Alto K10

The company claimed mileage for the petrol variants of Maruti Suzuki Alto K10 is 24.07 km/l and for that of CNG variants is 32.26km/kg.

Engine Specifications of Maruti Suzuki Alto K10

Variants	LX/LX(O)/LXI/LXI(O)/VXI/VXI(O)/VXI AGS (O)/VXI AGS (O) MT	LXI CNG (O) / VXI AGS (O) CNG
Emission Type	BS IV + OBD II	BS IV + OBD II
Engine (Cubic Capacity)	K10B (998cc)	K10B (998cc)
Maximum Power	68 PS @ 6000 rpm	59 PS @ 6000 rpm
Maximum Torque	90 Nm @ 3500 rpm	78 Nm @ 3500 rpm
Fuel	Petrol	CNG+Petrol
Transmission	5 MT	5 MT

Inclusions and Exclusions of Maruti Suzuki Alto K10 Car Insurance

Car insurance policies come with certain inclusions and exclusions such as:

• Inclusions:
  • Third-party Liability Cover:
    • Third-party liabilities towards accidental injury
    • Third-party liabilities towards external property damage
    • Third-party liabilities towards vehicle damage
  • Comprehensive Cover:
    • Liabilities towards own accidental injuries
    • Liabilities towards own vehicle damage
    • Third-party liabilities towards accidental injury
    • Third-party liabilities towards external property damage
    • Third-party liabilities towards vehicle damage
• Exclusions:
  • Third-party Liability Cover:
    • Doesn’t cover own accidental injuries
    • Doesn’t cover own vehicle damage
  • Permanent Exclusions:

Your claim will be denied under any of the below circumstances:

• If your car insurance policy expires
• If you were driving under the influence of alcohol when the accident took place
• If you drive without a valid license or break the traffic rules
• If you use a commercial vehicle as a private vehicle and vice-versa
• If you stage accidents or try fraudulent means to avail the claim amount
• Regular wear and tear of the vehicle

Factors that affect Maruti Suzuki Alto K10 Insurance Premium:

Your car insurance premium is calculated based on a number of factors such as:

• Your geographical area
• Your car’s age
• Your driving experience
• Your car’s Insured Declared Value (IDV)
• Use of your vehicle - private or commercial purpose
• Details of your previous car insurance policy
• The model and make of your car

Easy Steps To Apply for Maruti Suzuki Alto K10 Car Insurance

You can buy car insurance for your Maruti Suzuki Alto K10 either online or offline depending on your comfort.

• Online:

Insurers have launched their own official websites and apps, making it easier for consumers to buy/renew car insurance anytime, anywhere. You can compare various insurance policies online and buy the one that favours your insurance needs the most.

• Offline:

Insurers can also buy insurance policies offline by meeting with various insurers and collecting information on different insurance policies. Then use the gathered information to compare the insurance policies and choose the right one based on your insurance needs.

Add-on covers for Maruti Suzuki Alto K10 Car Insurance

Insurers provide a number of add-on covers to increase the insurance policy coverage such as:

• Accident cover for car passengers
• Engine Protect cover
• Return to Invoice cover
• Consumables cover
• No Claim Bonus (NCB) protect
• Roadside assistance 24X7
• Daily allowance cover
• Key replacement cover
• Zero depreciation cover

Trim your Maruti Suzuki Alto K10 Car Insurance Premium:

You can trim your car insurance premium by:

• Providing accurate details when buying/renewing your car insurance policy
• Accumulating No Claim Bonuses (NCB)
• Not extending coverage for old cars
• Applying for loyalty discount
• Being a member of Automobile Association of India (AAI)
• Opting for high voluntary deductibles
• Not raising claims for small expenses
• Renewing insurance policy on time
• Installing safety and navigation devices in your car

Insured Declared Value for Maruti Suzuki Alto K10 Car Insurance:

Insured Declared Value (IDV) is the market value of your car depending on the car model, make, age of your car, etc. The IDV varies from car to car, the higher the IDV of your car, higher will be the car insurance premium.

Claim Process for Maruti Suzuki Alto K10 Car Insurance

Raising a claim post any calamity involves the following steps:

1. You need to get in touch with your insurer and inform them about the mishap. Raise a claim request for the same.
2. File a FIR report at the nearest police station.

You can opt for either a cashless claim or a reimbursement claim.

Cashless Claim Process

The insurers have tie-ups with a list of garages called cashless garages where you can get your car repaired post a mishap. After the repairs are done, your insurer will settle the bills directly with the garage without you having to pay for the repairs yourself.

Reimbursement Claim Process

In case you are unable to locate a cashless garage near you, you need to inform the insurer and raise a reimbursement claim request. Then, take your car to the nearest garage and get it repaired. You need to pay the garage for the repairs done on your car and later submit the invoices for the same to the insurer to claim the reimbursement.

Maruti Suzuki Alto K10 Car Insurance FAQs:

1. When should I opt for the RoadSide Assistance service?

   You can opt for Roadside Assistance service when your car breaks down.

2. What is Roadside Assistance (RSA)?

   It is a service provided by the insurer in case your vehicle breaks down or needs mechanical assistance post a mishap.

3. What are the changes I'm allowed to make in my policy?

   Changes such as updating personal information, vehicle information, adding add-ons and changing insurance coverage are allowed. You need to submit an endorsement for the same.

4. How are electrical and non-electrical accessory values are calculated?

   The value of the accessories are calculated from their respective invoices. With each consecutive year the value is depreciated as per the fixed depreciation rates.

5. Can a customer cancel his/her policy during the tenure of his/her policy?

   Yes, the policy can be cancelled by the policyholder. You will have to submit a 7 day notice to the to the insurer and they will cancel the policy and refund of premium.