Maruti Baleno RS Car insurance

How to Buy

1. You can purchase via our website or mobile app. Enter your Maruti Baleno RS registration number at the top of this page and click on ‘Get Price’.
2. Enter your car-related details and personal information when requested.
3. Select the policy type and Insured Declared Value (IDV), and include add-ons as per your needs.
4. Pay the premium amount via UPI, credit/debit card, net banking or EMI.
5. You will receive your Maruti Baleno RS car insurance online policy delivered to your email.

Important: A vehicle inspection may be required to buy/renew insurance for a second-hand Maruti Baleno RS.

How to Renew

1. You can renew via our website or mobile app. To renew from here, scroll to the top of this page and click on ‘Renew your existing TATA AIG policy’.
2. Enter your Maruti Baleno RS car registration number or your existing policy number.
3. Check the renewal premium price and applicable No Claim Bonus (NCB).
4. Upgrade your insurance coverage or include add-ons.
5. Pay the applicable premium to renew your Maruti Baleno RS car insurance. Renew within 90 days (grace period) of your policy expiry to avoid penalties.

Important: A vehicle inspection may be required to renew an expired policy.

Get a customised insurance plan for your Maruti Baleno RS with a few clicks

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Third-Party Insurance Is a Legal Requirement

Driving your Baleno without third-party insurance coverage is a punishable offence under the Motor Vehicles Act, 1988. Whether you are the driver or car owner, you are liable to pay fines from ₹2,000 to ₹4,000 or face jail for up to 3 months. Avoid trouble with traffic authorities by getting Baleno RS third-party insurance.

No-Surprise Repair Bills

Frequent city driving with a medium-sized hatchback like Baleno carries the risk of body dents, scratches, cracked windshields, bumper damage and accidents. A broken or cracked bumper from a minor accident can cost ₹2700 to ₹3400, while accidental damage to the alternator can cost over ₹12,000 for repairs and parts. These costs can quickly add up to your cost of ownership, making insurance necessary.

Access Authorised Maruti Service Centres in Our Network

Maruti Suzuki operates 6000+ service centres in India, including authorised service stations and rural workshops, most of which are also TATA AIG network partners. Our extensive network ensures you can easily find a Maruti authorised garage near any accident location while providing a smooth claim process.

Covers Fire, Natural & Man-Made Disasters

The Baleno RS is vulnerable to water damage from flooding due to its low ground clearance and natural events like cyclones, earthquakes, landslides and heavy snowfall, depending on where you live. While you cannot control these risks, you can cover repair costs and recover from total vehicle loss due to natural calamities, man-made disasters, and fire with insurance for the Maruti Baleno RS.

Covers Theft & Total Loss

With second-hand prices starting from ₹9.13 lakhs, your Maruti Baleno RS is a major household asset. If this car is stolen from your home or office parking lot, or damaged beyond repair, it’s a substantial, irrecoverable loss. The best car insurance plans cover your Baleno’s Insured Declared Value for theft and total losses, helping you get a replacement.

Car Insurance Policy Types We Offer

Comprehensive Car Insurance - Best Overall Fit

Our Comprehensive Car Insurance provides all-round protection against accidents, fire, theft, transit damage, natural disasters and man-made disasters. It also covers liabilities due to third-party injuries, fatalities and property damage, making it perfect for new and expensive vehicles.

Key Highlights:

• Broad protection under a single policy
• 8+ add-ons including roadside assistance and zero depreciation cover
• Plan duration from one to three years

Third-Party Car Insurance - Best for Low-Value/Older Maruti Baleno RS

Our Third-Party Car Insurance is the most affordable plan that covers only injuries, fatalities and property damage caused to someone else using your Baleno RS. It’s suitable for old and occasionally used vehicles.

Key Highlights:

• Covers legal compensation payable to third parties
• Includes standalone, bundled, annual and multi-year plans

Standalone Own-Damage Car Insurance - Useful in Specific Situations

Our Standalone Own-Damage Car Insurance protects your Baleno RS against accidents, theft, fire, and other risks to your Maruti Baleno RS. It’s the best car insurance for car owners with an active third-party insurance policy.

Key Highlights:

• Covers natural and man-made disasters
• Pays for repairs and replacement
• Offers several add-ons for customisation

Which Policy Do I Buy?

What’s Covered

What’s Not Covered

• Normal Wear and Tear

No coverage for gradual damage due to wear and tear, depreciation, or failures or breakages due to ageing.

• Accessories and Modifications After Purchase

Accessories and vehicle modifications done after policy purchase aren’t covered unless you declare them via car insurance endorsements. Non-factory-fitted parts and aftermarket upgrades are excluded.

• Mechanical or Electrical Breakdown

Internal mechanical failures and electrical malfunctions due to regular usage or ageing are not covered.

• Consequential Loss

No coverage for secondary or indirect damage that happens later from a problem or incident, such as hydrostatic lock from starting a water-filled engine.

• War and War-Like Events

Excludes any damage, loss or liabilities arising out of war, invasions, rebellions, revolts, war-like operations, etc.

• Loss or Damage Outside of India

The policy is valid in India, and any loss or damage outside the geographical coverage area is not covered.

Best General Use Add-ons

Depreciation Reimbursement

The Zero Depreciation add-on covers the amount of depreciation deducted on the insured parts replaced in an own damage claim. It preserves the value of your Baleno RS and ensures higher payouts.

Roadside Assistance

The Roadside Assistance cover provides access to 24/7 services for breakdowns, flat tyres and minor repairs. It’s useful if you are driving at night, in remote areas or for long distances.

NCB Protection Cover

If you are a long-term car owner, this add-on lets you preserve your accumulated No Claim Bonus from sudden, unavoidable claims. It prevents the loss of a single claim during the policy period.

For Specific Perils

Engine Secure

The Engine Secure add-on covers repairs and replacement of engine and gearbox parts for ingress of water and oil. It’s useful if you regularly drive your Baleno RS in flood-prone or heavy rainfall areas.

Consumable Expenses

The consumables cover replenishes consumables, including distilled water, engine oil, gearbox oil, lubricants, nuts, bolts, etc. It covers the cost of high-grade oils and lubricants, lowering your out-of-pocket costs during major repairs.

Tyre Secure

The Baleno’s low-profile tyres are vulnerable to accident damage from road obstacles, potholes and craters. If you regularly drive in accident-prone areas, a punctured tyre can cost ₹10,000 per replacement.The Tyre Secure covers repairs and up to four replacements of these expensive tyres in the policy period.

Daily Allowance Plus

The Daily Allowance Plus add-on is a useful add-on if you heavily rely on your Maruti Baleno RS for work or transport. It provides either a fixed cash allowance or a courtesy/hired car.

Please note: Add-on availability is subject to the vehicle age and applicable policy terms. Some add-ons may be unavailable for older vehicles or may become unavailable when the policy is renewed.

Secure your Maruti Baleno RS against specific driving risks with the right add-ons.

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Cashless Claims

Step 1: Get to safety and gather evidence and details of your loss or damage. Then, notify TATA AIG via our customer support (022-6489-8282 ), email (general.claims@tataaig.com) or WhatsApp (9136160375).

Step 2: Register a claim on our claims page or mobile app with the necessary details, including policy number, your Baleno RS details, and incident details. We will assign you a dedicated claims handler to assist you with the next steps.

Step 3: Find a TATA AIG network garage using our Garage Locator tool. Take your Maruti Baleno RS to one of our garages or use our pick-up and drop-off service.

Step 4: We will assign a surveyor to inspect your car and determine the repair estimate. Do not start any repairs until the survey is complete.

Step 5: After verification and processing, we will directly pay the approved amount to the network garage. You need to pay the non-covered expenses.

Reimbursement Claims

Step 1: Ensure your and your passengers’ safety and collect all necessary evidence. Then, notify us and register a claim via our helpline (022-6489-8282), email address (general.claims@tataaig.com), WhatsApp (9136160375 ), claim portal or mobile app.

Step 2: We will assign you a dedicated claim handler and appoint a surveyor to inspect your Maruti Baleno RS. Coordinate with the surveyor and do not start repairs until you receive our approval.

Step 3: Take your Baleno RS to any authorised garage or Maruti service centre. Pay for the repairs on your own and collect all documents.

Step 4: Submit the supporting documents, including bills, repair estimates, payment receipts, and GST invoices. Submit all the correct documents as soon as possible to avoid delays.

Step 5: We will verify the details and process your claim within 7 days of receiving the last required document. You will receive the approved amount in your bank account minus any deductions, as applicable.

• Claim Form: Duly filed and signed application
• Policy Documents: Copy of your active policy documents
• Registration Certificate: Copy of your Baleno RS’s registration certificate
• Driving Licence: Copy of driving licence held by the person driving your Maruti Baleno RS during the incident
• FIR or Police Report: FIR or police report copy for theft, third-party damage and major accident claims
• Photos and Videos: Photographs and videos of damaged vehicle and accident location
• Repair Estimates: Provided by the network garage
• Bills and receipts: Original invoices and receipts for reimbursement claims
• Identity and Address: Government-issued ID and residential proof
• Car Keys: Original vehicle keys for total loss and theft claims
• No Trace Report: Issued by the police after being unable to locate your stolen vehicle
• RTO Forms: RTO forms 28, 29 and 30 for theft and total loss claims
• Financier’s NOC: For theft and total loss of a loaned vehicle
• Medical Bills: For personal accident or third-party injury claims
• Additional Documents: As and when required by us