Maruti Car Insurance

Maruti Suzuki is a popular name in India as the company produces some of the best-selling budget cars. It is the Indian subsidiary of the Japanese auto giant Suzuki Motor Corporation. Maruti Suzuki has grabbed the highest market share in India, and its cars always feature in the list of best-selling cars in India. Some of the popular cars from Maruti Suzuki include the Maruti Suzuki Alto, Maruti Suzuki Swift, Maruti Suzuki Wagon R, Maruti Suzuki Baleno, Maruti Suzuki Brezza, etc.

Getting insurance for your Maruti Suzuki car is one of the most important steps after you buy your car. It provides a safety net against unexpected events, such as accidents, theft, fire, natural disasters, or damage to others in a crash. In India, third-party car insurance is legally required, so at a minimum, your car must be insured to avoid legal penalties.

With ACKO car insurance, you can pick between basic Third-Party insurance (to meet the legal requirement) or a full Comprehensive plan that also covers your own car’s damage, theft, fire, and other risks. The process is simple and online, making it quick and easy to buy or renew without lengthy paperwork or waiting, which is helpful if you value convenience.

If you own a new or high-value Maruti Suzuki car, a comprehensive policy, possibly with add-ons, is often the smarter choice, providing you with peace of mind and genuine protection when things go wrong.

Finally, it’s always a good idea to read the policy carefully, checking what’s covered, what’s excluded, and any add-on options, so you know exactly how protected you are.

The following table provides the premium rates for popular Maruti car models. Please note that the premium rates are applicable to brand-new Maruti car models, and the premiums are region-specific (Bangalore).

Here are the different types of insurance plans available for Maruti cars in India.

Third Party Maruti Car Insurance

Third Party Car Insurance is a law-mandated policy for all motor vehicles in India. It provides basic third-party liability coverage. The policy benefits include coverage against third-party property damage and injury or death of a third party due to the insured Maruti car. However, it does not cover damages to your vehicle. Driving your Maruti Suzuki car without this basic policy is a punishable offence.

Comprehensive Maruti Car Insurance

Comprehensive Maruti car insurance offers the dual benefit of third-party coverage and own damage, i.e. damage to your Maruti car due to accidents, natural disasters, fire, etc. You can also enhance the coverage with add-ons. Add-ons will allow you to buy additional coverages and services at a nominal premium.

Zero Depreciation Maruti Car Policy

Zero Depreciation Maruti can insurance cover, also known as bumper-to-bumper cover, is an add-on that can be purchased with a comprehensive policy. Under a standard comprehensive policy, depreciation is deducted from the claim amount based on the age and wear and tear of car parts. However, with zero depreciation cover, you receive the full claim amount without any depreciation deductions on parts like rubber, plastic, fibre, and metal components. Since you don’t have to bear the depreciation cost of these parts, you will enjoy lower out-of-pocket expenses during repairs.

Stand-alone Own Damage Cover Policy for Maruti Cars

A Standalone Own Damage Cover policy offers coverage exclusively for damages to your Maruti car, without including third-party liability coverage. This policy is ideal for car owners who already have a valid long-term third-party insurance policy and only need to renew their own damage cover. The premium is lower compared to comprehensive cover, as it doesn’t offer the same extensive coverage as a comprehensive policy.  

Buying a Comprehensive Maruti Car Insurance Policy is beneficial as it provides wider coverage and additional benefits. The following sections provide more details on the inclusions and exclusions of Maruti car insurance.

Here are the inclusions for Comprehensive Maruti car insurance.

Damages to the car due to the following reasons are not covered under Maruti car insurance.

You can enhance your ACKO Maruti Suzuki car insurance policy with additional coverage and drive confidently by choosing these add-on covers offered by ACKO.

1. Roadside Assistance Cover

If you opt for the Roadside Assistance Cover (RSA) for your Maruti Suzuki car, you can get access to 24x7 emergency roadside assistance, including towing services during vehicle breakdowns. If you get stranded on the road due to a breakdown, help will just be a phone call away.

2. No Claim Bonus (NCB) Protection

The No Claim Bonus (NCB) Protection add-on helps you retain your non-claim bonus even if you make a claim on your insurance policy. With this add-on, you can get your car repaired, make a claim and still retain your NCB discount (up to 50%) on Maruti car insurance renewals.

3. Engine Protection Cover

This add-on covers the cost of repair or replacement due to damage caused to the internal parts of your Maruti car's engine, gearbox, and differential assembly arising from water ingression, hydrostatic lock, and leakage of coolant or lubricating oil due to accidental means.

4. Consumables Cover

In most cases, the cost of consumables like engine oil, gearbox oil, lubricants, nuts and bolts, screws, distilled water, grease, oil filters, bearings, washers, clips, brake oil, and air conditioner gas are not covered during claim settlement. If you opt for the Consumables add-on, these costs will be covered when settling claims for your Maruti car.

5. Compulsory Personal Accident (Owner-Driver)

Personal Accident Cover is mandatory by law in India along with Third-party Insurance. It provides coverage for permanent disability and death of the car’s owner-driver while driving the Maruti car.

6. Personal Accident Cover for Passengers

This add-on allows you to insure passengers in your Maruti car in the event of an unfortunate accident resulting in permanent disability or death. It offers a sum insured of up to ₹1 lakh per passenger.

7. Paid Driver Protection

This cover provides financial protection for your paid driver in the event of serious injuries or death in an accident while they are employed by you and driving your Maruti vehicle.

8. Return to Invoice Cover

The Return to Invoice (RTI) cover ensures that you receive the full original purchase price of your Maruti car in the event of total loss or theft, compensating for the depreciation that would otherwise be applied.

9. Extra Car Protection

Extra Car Protection Cover offers enhanced coverage for your Maruti vehicle, including benefits like free roadside assistance, key repair or replacement, and other additional services beyond standard car insurance.

10. Electrical Accessories Cover

This add-on provides coverage for electrical accessories installed in your Maruti car, including AC switches, headlights, odometers, indicators, and other electrical components.

11. Non-electrical Accessories Cover

The non-electrical accessories cover provides protection for non-electrical accessories and components, including the gearbox, window glass, and other non-electrical parts installed in your Maruti vehicle.

Buying car insurance for your Maruti car online or renewing from ACKO is quick, simple, and hassle-free.

1. Enter Vehicle Details: 
Scroll to the top of this page, enter your car registration number and click on “Check Price”

2. Select the Plan and Add-ons:
Select the car insurance plan and add-ons, and customise the IDV if required.

3. Pay Online and get Insured Instantly:
Review the plan and pay the premium online to buy Maruti car insurance online.

If your car is insured by ACKO, then follow these steps. All you need is a smartphone or a computer with an active internet connection, along with the necessary details related to the claim.

Step 1: Download the ACKO app or website our website.

Step 2: Log in to your account and click “Register Claim” on the policy card.

Step 3: Fill in all the required details, upload the relevant documents and submit the claim request.