• Car Insurance For Maruti Suzuki Wagon R

    Car Insurance
    • Get third party cover at low premiums
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Maruti Suzuki Wagon R is one of the most famous car models in India. The model’s brilliant interiors and exteriors are beautiful to look at and it is one of those cars which a middle-class family can purchase. This model provides a brilliant mileage, has a strong engine, sturdy tires, comfortable seats, and boasts of other brilliant features.

    Types of insurance coverage that you can purchase

    According to a mandate passed by the Government of India, it is mandatory for a car owner to have a third-party liability cover.

    There are generally two types of insurance covers that a person can purchase. They are comprehensive car insurance cover and third-party insurance cover.

    Comprehensive car insurance cover: This type of insurance covers you against any types of losses or damages that can affect you or your car. The compensation you will get will depend on the level of loss or damage incurred.

    Type of injury Compensation
    Death 100%
    Permanent disability caused due to an accident 100%
    Loss of both the limbs, or eyes 100%
    Loss of one limb or eye 50%

    What is covered under a comprehensive car insurance cover?

    The certain circumstances which result in your Wagon R model getting damaged for which you can avail your comprehensive car insurance cover include:

    • If your car is damaged or stolen
    • If your car is damaged due to a natural calamity
    • If your car is damaged due to an act of terror
    • If your car is damaged due to your own fault
    • In case the car has other passengers in it, you will get a personal accident cover
    • Third-party liability cover

    Third-party insurance cover: According to The Motor Vehicles Act, 1988, all the owners driving their cars on Indian roads must have a third-party liability cover. In case the driver caused injury or damage to a third party or his/her vehicle, then the victim is liable to receive compensation up to Rs.7.5 lakh.

    Add-on covers: In order to enhance your motor insurance cover, there are various types of add-on covers which you can avail for yourself. These add-on covers provide extra protection to your vehicle and also helps you in saving money as well. Some of the add-on covers that you can purchase are:

    • Zero depreciation cover: This type of cover helps you save on the cost of repaired or replaced parts of your vehicle such as the plastic, rubber, glass, fiber parts, etc.
    • No claim bonuses: If you have not filed for any claim, you will be able to enjoy certain discounts on your premium. The number of times you do not file a claim unless necessary will determine the discounts on your premiums.
    • Hydrostatic lock cover: This type of add-on provides you cover in case the engine of your car gets damaged due to heavy rains or floods. It covers the cost of the replacement of the engine part. However, this cover is only applicable if your car is less than 5 years old.
    • Co-passenger cover: In a standard policy, the owner/driver of the car receives a cover of Rs.2 lakh as a personal accident cover in case the car is damaged. However, if there is a co-passenger who suffers an injury or dies due to an accident, then his/her family member will receive a cover of Rs.1 lakh.
    • Roadside assistance: In case you are stranded somewhere because your car broke down, this cover can be extremely helpful. You can call a Maruti Suzuki center and they will help you get your car in order. The cover includes changing of tyres, towing facility, repairing, emergency fuel refilling, etc.
    • Ambulance cover: In case of an accident, post which the victim is being driven to a hospital via an ambulance, this cover helps in covering the cost of transportation.
    • Medical expenses: This type of cover provides additional coverage of Rs.10,000 as medical expenses in case of an accident due to which the victim is to be hospitalised.
    • Invoice price cover: When you make a claim you generally get the depreciation value of your car. However, if you have availed this cover, you will receive the invoice value of your vehicle along with road tax, insurance, registration fees, etc.
    • Hospital cash: In case the victim has to spend a considerable amount of time in the hospital due to an accident, he/she will receive a hospital cash of Rs.1,000 on a daily basis.
    • Key replacement: This type of add-on cover takes care of the cost incurred by you in case you lose your car keys or it gets stolen. However, you can avail this cover only two times in a policy year.
    • Engine and gearbox cover: This type of add-on takes care of the cost incurred by you in case the engine or any other internal part of your car gets damaged resulting in the breaking down of your vehicle.
    • Consumable cover: It provides cover for the cost incurred by you for the purchasing of consumable items such as nuts, bolts, oil, etc.

    Hence, if you are planning to purchase a Wagon R, you can be assured that it is one of the best cars in India currently. However, it is important to have proper insurance. You can purchase certain add-on covers depending on the age of your vehicle and how it can be beneficiary for you.

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